CN110910137A - Credit digital certificate transfer method, terminal and readable storage medium - Google Patents
Credit digital certificate transfer method, terminal and readable storage medium Download PDFInfo
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- CN110910137A CN110910137A CN201911163512.9A CN201911163512A CN110910137A CN 110910137 A CN110910137 A CN 110910137A CN 201911163512 A CN201911163512 A CN 201911163512A CN 110910137 A CN110910137 A CN 110910137A
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The application discloses a credit digital certificate transfer method, a terminal and a readable storage medium, wherein the method comprises the steps of building a block chain architecture platform; acquiring a service digital contract and a credit digital voucher contract in a block chain architecture platform and/or an external service platform connected with the architecture platform; confirming accounts payable information to the buyer when the settlement period of the business digital contract expires; and according to the credit digital contract, obtaining a credit limit; according to the credit digital voucher contract, a first credit digital voucher and a first performance promise book are opened according to the account information to be paid, and the corresponding credit limit is deducted and separated; the first credit digital voucher and the first performance commitment are communicated to the provider. The block chain architecture platform is built, the information credibility is guaranteed by using the block chain characteristics, the corresponding credit limit is deducted and separated, and the credit digital voucher is issued and transmitted to a supplier through intelligent contracts in different platforms to realize the circulation of the credit digital voucher in the platform.
Description
Technical Field
The invention relates to the technical field of supply chain finance, in particular to a credit digital certificate transfer method, a terminal and a readable storage medium.
Background
The block chain is a special data structure formed by combining data block chains in a chain mode according to the time sequence, ensures a non-falsifiable and non-falsifiable decentralized shared general account in a password mode, and can safely store simple data which have a precedence relationship and can be verified in a system.
With the activity of commercial activities and the use of internet technologies and mobile internet technologies, buying and selling transactions and payment of goods of people are more and more widely realized on the internet or a mobile internet platform or a cloud platform or a large data platform, but the internet, the mobile internet or the cloud platform have the defects of poor information confidentiality and easy data tampering, are easy to attack by external hackers, and have no guarantee on security, so that digital assets are difficult to transfer transactions in the electronic platforms to realize the value of the digital assets.
Disclosure of Invention
The application mainly aims to provide a credit digital certificate transfer method, a terminal and a readable storage medium, and aims to solve the technical problem of safety in the transfer process of the credit digital certificate on an electronic platform.
In order to achieve the above object, an embodiment of the present application provides a method for transferring a credit digital certificate, where the method for transferring a credit digital certificate includes the following steps:
building a block chain architecture platform;
acquiring a service digital contract and a credit digital voucher contract in the block chain architecture platform and/or an external service platform connected with the architecture platform;
confirming accounts payable information to a buyer when a settlement period of the business digital contract expires;
acquiring a credit line according to the credit digital contract;
according to the credit digital voucher contract, a first credit digital voucher and a first performance promise book are opened according to the account information to be paid, and deduction and separation are carried out on the corresponding credit limit;
communicating the first digital voucher for credit and the first performance commitment to a vendor.
Optionally, the step of building a blockchain architecture platform includes:
building a block chain architecture platform, wherein the architecture platform comprises a settlement payment platform, a service platform and an interface connected with the external service platform;
generating a business digital contract and a credit digital voucher contract according to the block chain architecture platform;
and establishing a trust relationship between the block chain nodes on the block chain architecture platform.
Optionally, the step of confirming the payable information to the buyer when the settlement period of the business digital contract expires comprises:
acquiring service information from the service platform and/or an external service platform connected with the architecture platform;
when the settlement period of the business digital contract expires, judging whether goods delivery information in the business information is in a finished state;
if the goods delivery information is in a finished state, confirming accounts payable information according to the service information;
confirming the accounts payable information to a buyer.
Optionally, the step of obtaining a credit line according to the credit contract comprises:
uploading credit information to a third party to handle and/or add credit procedures according to the credit number contract;
digitizing the credit according to the credit procedure and/or adding the credit procedure to obtain a corresponding credit limit;
and storing the credit limit to the settlement payment platform.
Optionally, the step of issuing a first credit digital voucher and a first performance promise according to the accounts payable and deducting and separating the corresponding credit line according to the credit digital voucher contract comprises:
obtaining the credit line from the settlement payment platform;
judging the authenticity of the credit line according to the trust relationship between the nodes;
if the credit line is real, judging whether the credit line can pay accounts payable in the accounts payable information;
if the account payable can pay, according to the credit digital voucher contract, opening a first credit digital voucher and a first performance acceptance letter and deducting and separating the corresponding credit limit.
Optionally, the step of communicating the first credit digital voucher and the first fulfillment commitment to a vendor is followed by:
receiving a second credit number voucher and a second performance commitment book;
establishing a virtual clearing account in a clearing center, wherein the virtual clearing account is associated with a bank entity account;
and settling money to a clearing center through the virtual clearing account according to the amount netting of the expired issued first credit digital certificate and the expired received second credit digital certificate.
Optionally, the step of receiving a second credit number voucher and a second performance commitment is followed by:
when a financing request is detected, applying financing to a funding party according to the first credit digital certificate and/or the second credit digital certificate and the corresponding performance promise book;
and receiving funds released by the funding party according to the first credit digital certificate and/or the second credit digital certificate.
Optionally, the step of receiving a second credit number voucher and a second performance commitment is followed by:
upon detecting a payment request, communicating the first and/or second credit digital vouchers and the corresponding performance commitment book, partially or fully, to a vendor.
Optionally, the step of receiving a second credit number voucher and a second performance commitment is followed by:
when a reservation request is detected, saving the first credit number voucher and/or the second credit number voucher and the corresponding performance commitment book;
when the opened first credit digital certificate and/or the received second credit digital certificate expires, payment is received to a clearing center according to the first credit digital certificate and/or the second credit digital certificate.
The present application further provides a terminal, the terminal including: the credit digital certificate circulation program is stored on the memory and can run on the processor, and when being executed by the processor, the credit digital certificate circulation program realizes the steps of the credit digital certificate circulation method.
The present application also provides a readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the above-described method for transferring credit digital certificates.
The method comprises the steps of constructing a block chain architecture platform; acquiring a service digital contract and a credit digital voucher contract in the block chain architecture platform and/or an external service platform connected with the architecture platform; confirming accounts payable information to a funding party when a settlement period of the business digital contract expires; acquiring a credit line according to the credit digital contract; according to the credit digital voucher contract, a first credit digital voucher and a first performance promise book are opened according to the account information to be paid, and deduction and separation are carried out on the corresponding credit limit; communicating the first digital voucher for credit and the first performance commitment to a vendor. Through building the block chain architecture platform, because the consensus mechanism and the non-falsification of the block chain ensure the credibility of information, particularly the credit line, a buyer performs deduction and separation operation on the corresponding credit line after using the credit line to issue a credit digital certificate and a performance commitment book, and simultaneously issues the credit digital certificate and the performance commitment book through a service digital contract and a credit digital certificate contract in the block chain architecture platform and/or a connected external service platform and transfers the credit digital certificate and the performance commitment book to a supplier to realize the circulation of the credit digital certificate in the platform so as to pay corresponding goods payment.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.
Fig. 1 is a schematic diagram of a hardware structure of a terminal according to the present application;
FIG. 2 is a flowchart illustrating a first embodiment of a credit digital voucher transfer method according to the present invention;
FIG. 3 is a flowchart illustrating a detailed process of step S10 in FIG. 2 according to a second embodiment of the credit digital voucher circulation method of the present application;
FIG. 4 is a block chain hierarchy diagram illustrating a second embodiment of a credit digital voucher transfer method according to the present application;
FIG. 5 is a flowchart illustrating a detailed process of step S30 in FIG. 2 according to a third embodiment of the credit digital voucher circulation method of the present application;
FIG. 6 is a flowchart illustrating a detailed process of step S40 in FIG. 2 according to a fourth embodiment of the credit digital voucher circulation method of the present application;
FIG. 7 is a flowchart illustrating a detailed process of step S50 in FIG. 2 according to a fifth embodiment of the credit digital voucher circulation method of the present application;
FIG. 8 is a block chain distributed shared ledger structure diagram in the fifth embodiment of the credit digital voucher transfer method of the present application;
fig. 9 is a flowchart illustrating steps after step S60 in fig. 2 according to a sixth embodiment of the method for transferring a credit digital voucher of the present application.
The implementation, functional features and advantages of the objectives of the present application will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.
The terminal may be implemented in various forms. For example, the terminal described in the present invention may include a mobile terminal such as a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a Personal Digital Assistant (PDA), a Portable Media Player (PMP), a navigation device, a wearable device, a smart band, a pedometer, and the like, and a fixed terminal such as a Digital TV, a desktop computer, and the like.
The following description will be given taking a mobile terminal as an example, and it will be understood by those skilled in the art that the configuration according to the embodiment of the present application can be applied to a fixed type terminal in addition to elements particularly used for mobile purposes.
Referring to fig. 1, which is a schematic diagram of a hardware structure of a mobile terminal for implementing various embodiments of the present application, the mobile terminal 100 may include: RF (Radio Frequency) unit 101, WiFi module 102, audio output unit 103, a/V (audio/video) input unit 104, sensor 105, display unit 106, user input unit 107, interface unit 108, memory 109, processor 110, and power supply 111. Those skilled in the art will appreciate that the mobile terminal architecture shown in fig. 1 is not intended to be limiting of mobile terminals, which may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
The following describes each component of the mobile terminal in detail with reference to fig. 1:
the radio frequency unit 101 may be configured to receive and transmit signals during information transmission and reception or during a call, and specifically, receive downlink information of a base station and then process the downlink information to the processor 110; in addition, the uplink data is transmitted to the base station. Typically, radio frequency unit 101 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 101 can also communicate with a network and other devices through wireless communication. The wireless communication may use any communication standard or protocol, including but not limited to GSM (Global System for Mobile communications), GPRS (General Packet Radio Service), CDMA2000(Code Division Multiple Access 2000), WCDMA (Wideband Code Division Multiple Access), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access), FDD-LTE (Frequency Division duplex-Long Term Evolution), and TDD-LTE (Time Division duplex-Long Term Evolution).
WiFi belongs to short-distance wireless transmission technology, and the mobile terminal can help a user to receive and send e-mails, browse webpages, access streaming media and the like through the WiFi module 102, and provides wireless broadband internet access for the user. Although fig. 1 shows the WiFi module 102, it is understood that it does not belong to the essential constitution of the mobile terminal, and may be omitted entirely as needed within the scope not changing the essence of the invention.
The audio output unit 103 may convert audio data received by the radio frequency unit 101 or the WiFi module 102 or stored in the memory 109 into an audio signal and output as sound when the mobile terminal 100 is in a call signal reception mode, a call mode, a recording mode, a voice recognition mode, a broadcast reception mode, or the like. Also, the audio output unit 103 may also provide audio output related to a specific function performed by the mobile terminal 100 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 103 may include a speaker, a buzzer, and the like.
The a/V input unit 104 is used to receive audio or video signals. The a/V input Unit 104 may include a Graphics Processing Unit (GPU) 1041 and a microphone 1042, the Graphics processor 1041 Processing image data of still pictures or video obtained by an image capturing device (e.g., a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 106. The image frames processed by the graphic processor 1041 may be stored in the memory 109 (or other storage medium) or transmitted via the radio frequency unit 101 or the WiFi module 102. The microphone 1042 may receive sounds (audio data) via the microphone 1042 in a phone call mode, a recording mode, a voice recognition mode, or the like, and may be capable of processing such sounds into audio data. The processed audio (voice) data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 101 in case of a phone call mode. The microphone 1042 may implement various types of noise cancellation (or suppression) algorithms to cancel (or suppress) noise or interference generated in the course of receiving and transmitting audio signals.
The mobile terminal 100 also includes at least one sensor 105, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 1061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 1061 and/or a backlight when the mobile terminal 100 is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when stationary, and can be used for applications of recognizing the posture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured on the mobile phone, further description is omitted here.
The display unit 106 is used to display information input by a user or information provided to the user. The Display unit 106 may include a Display panel 1061, and the Display panel 1061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.
The user input unit 107 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the mobile terminal. Specifically, the user input unit 107 may include a touch panel 1071 and other input devices 1072. The touch panel 1071, also referred to as a touch screen, may collect a touch operation performed by a user on or near the touch panel 1071 (e.g., an operation performed by the user on or near the touch panel 1071 using a finger, a stylus, or any other suitable object or accessory), and drive a corresponding connection device according to a predetermined program. The touch panel 1071 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 110, and can receive and execute commands sent by the processor 110. In addition, the touch panel 1071 may be implemented in various types, such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 1071, the user input unit 107 may include other input devices 1072. In particular, other input devices 1072 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like, and are not limited to these specific examples.
Further, the touch panel 1071 may cover the display panel 1061, and when the touch panel 1071 detects a touch operation thereon or nearby, the touch panel 1071 transmits the touch operation to the processor 110 to determine the type of the touch event, and then the processor 110 provides a corresponding visual output on the display panel 1061 according to the type of the touch event. Although the touch panel 1071 and the display panel 1061 are shown in fig. 1 as two separate components to implement the input and output functions of the mobile terminal, in some embodiments, the touch panel 1071 and the display panel 1061 may be integrated to implement the input and output functions of the mobile terminal, and is not limited herein.
The interface unit 108 serves as an interface through which at least one external device is connected to the mobile terminal 100. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 108 may be used to receive input (e.g., data information, power, etc.) from external devices and transmit the received input to one or more elements within the mobile terminal 100 or may be used to transmit data between the mobile terminal 100 and external devices.
The memory 109 may be used to store software programs as well as various data. The memory 109 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 109 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The processor 110 is a control center of the mobile terminal, connects various parts of the entire mobile terminal using various interfaces and lines, and performs various functions of the mobile terminal and processes data by operating or executing software programs and/or modules stored in the memory 109 and calling data stored in the memory 109, thereby performing overall monitoring of the mobile terminal. Processor 110 may include one or more processing units; preferably, the processor 110 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.
The mobile terminal 100 may further include a power supply 111 (e.g., a battery) for supplying power to various components, and preferably, the power supply 111 may be logically connected to the processor 110 via a power management system, so as to manage charging, discharging, and power consumption management functions via the power management system.
Although not shown in fig. 1, the mobile terminal 100 may further include a bluetooth module or the like, which is not described in detail herein.
Based on the above mobile terminal hardware structure, various embodiments of the present application are provided.
The application provides a credit digital certificate transfer method.
Referring to fig. 2, in a first embodiment of a credit digital voucher streaming method, the method comprises:
step S10, building a block chain architecture platform;
the block chain architecture platform of the Ethernet workshop consists of a physical layer, a data layer, a network layer, a consensus layer, an excitation layer and an application layer. A service platform and a settlement payment platform are developed on an application layer, and supply chain transaction parties participated by all the capital parties of the transaction parties, logistics, services, banks and similar financial institutions, and an alliance chain for realizing services such as equity and obligation including payment are realized through the two application platforms. Meanwhile, the block chain architecture platform also comprises a credit number voucher contract and a service number contract.
Step S20, acquiring a service digital contract and a credit digital voucher contract in the blockchain architecture platform and/or an external service platform connected with the architecture platform;
the business digital contract comprises business information related to business transaction, such as transaction information, logistics, service information, goods delivery information, reconciliation invoice information and the like of both parties of the transaction. The credit digital voucher contract comprises an expired credit digital voucher protocol and an issued credit digital voucher protocol. The business information of both transaction parties can be obtained through the business digital contract, such as when the business of both transaction parties is fulfilled, when the goods delivery is completed and when the payment of the goods is needed; the credit digital voucher contract can complete the operation related to the credit digital voucher, such as how to open the credit digital voucher and how to process the credit digital voucher. The business digital contract and the credit digital voucher contract can ensure the normal circulation of credit digital vouchers on the electronic platform. The service digital contracts and credit digital voucher contracts, especially the service digital contracts, can come from a self-built block chain architecture platform and also can come from a connected external service platform, such as other block chain platforms or transaction platforms.
Step S30, confirming accounts payable information to the buyer when the settlement period of the business digital contract expires;
when the settlement account period specified in the business digital contract expires, namely when payment is due, inquiring whether goods delivery of both transaction parties is completed, if the goods delivery is completed, the buyer should pay corresponding goods, acquiring accounts payable information from the business digital contract, and sending the accounts payable information to the fund party, wherein the fund party generally comprises a bank, a similar bank mechanism and other mechanisms, and the fund party confirms whether the buyer can open credit digital certificates of corresponding amount and confirms whether the fund can be released to a supplier (seller).
Step S40, obtaining credit limit according to the credit digital contract;
and the nodes in the block chain evaluate the credit information provided by the nodes according to the credit number contract through the credit information of the nodes or credit information of credit investigation, and give the corresponding credit limit to the nodes.
Step S50, according to the credit number voucher contract, opening a first credit number voucher and a first performance promise book according to the accounts payable and carrying out deduction and separation on the corresponding credit limit;
the buyer needs to perform credit evaluation and authentication procedures on his/her actual credit information, including but not limited to personal credit, enterprise credit, national credit, his/her own credit information, third-party credit information, etc., and then digitize the credit after credit evaluation and authentication to obtain a digitized credit limit, store it in the blockchain platform, each node in the block chain may read the digitized credit line, each node, and particularly the funding party, may verify the credit line to determine the authenticity of the credit information provided by the buyer, upon confirming the authenticity of the credit line and that the buyer's credit line is able to pay the accounts payable in the accounts payable information, the buyer is allowed to issue credit-numeral vouchers with the same value as the accounts payable, and at the same time, a corresponding performance commitment is provided to ensure that the buyer pays the corresponding assets to the seller according to the corresponding credit-numeral vouchers. After the buyer opens the first credit digital certificate with corresponding value according to the credit line of the buyer, the corresponding requirement of the first credit digital certificate in the credit line is deducted and separated, namely the credit digital certificate can not be opened again by using the part of the credit line.
Step S60, transmitting the first credit number voucher and the first fulfillment commitment to a supplier;
the credit digital voucher and the performance promise are transmitted to the supplier for payment of the goods. The credit digital voucher is generally matched and corresponding to the fulfillment promise book, and the fulfillment promise book is also correspondingly circulated in the process of circulating the credit digital voucher. After the supplier receives the credit digital voucher issued by the buyer and the performance promise book, the supplier has different processing methods, can receive corresponding goods payment after the credit digital voucher expires, can also apply for financing by using the received credit digital voucher, and can also transfer or split the credit digital voucher again to other suppliers to pay accounts payable thereof.
In the embodiment, a block chain architecture platform is constructed; acquiring a service digital contract and a credit digital voucher contract in the block chain architecture platform and/or an external service platform connected with the architecture platform; confirming accounts payable information to a funding party when a settlement period of the business digital contract expires; according to the credit digital voucher contract, a first credit digital voucher and a first performance promise book are opened according to the account information to be paid, and the corresponding credit limit is deducted and separated; communicating the first digital voucher for credit and the first performance commitment to a vendor. Through building the block chain platform, because of the common recognition mechanism and the non-falsification of the block chain, the credibility of information, particularly credit line is ensured, necessary deduction and separation operations are carried out on the related credit line, and meanwhile, through a service digital contract and a credit digital certificate contract in the block chain architecture platform and/or a connected external service platform, a credit digital certificate and a first performance commitment book are issued and transmitted to a supplier to realize the circulation of the credit digital certificate in the platform.
Further, referring to fig. 2, fig. 3 and fig. 4, on the basis of the first embodiment of the credit digital voucher circulation method of the present application, a second embodiment of the credit digital voucher circulation method is provided, in which step S10 includes:
step S11, building a block chain architecture platform, wherein the architecture platform comprises a settlement payment platform, a service platform and an interface for connecting the external service platform;
referring to fig. 4, the block chain architecture of the etherhouse technology is composed of a physical layer, a data layer, a network layer, a consensus layer, a stimulus layer, and an application layer. The platform can be developed on the application layer, such as a service platform, a settlement payment platform and the like, the incentive layer comprises a content such as a publishing mechanism, a distribution mechanism and the like, the consensus layer comprises a content such as a verification mechanism and the like, the network layer comprises a content such as a P2P network and a propagation mechanism and the like, the data layer comprises a content such as block data, a digital signature, a hash function and the like, and the physical layer comprises a content such as various contract data in a block chain and the like. The supply chain transaction participated by multiple fund parties of upstream and downstream of transaction parties and each node, logistics, service, bank and similar financial institutions on a chain and the alliance chain of services of interest and obligation including payment are realized in a platform built and obtained by an application layer. The alliance chain is a block chain, is between public chain and private chain, only restricts the participation of alliance members, and authority and accounting rules are established according to alliance rules, and can be used for trade and settlement between enterprise level, industry association and institutions. The settlement payment platform can integrate and intercept the transaction information, logistics, service information, goods delivery information, reconciliation invoice information, receivable and payable rights and obligations of both parties of the transaction from the service platform. Meanwhile, the block chain has the characteristics of decentralization, multiple accounts, a common identification mechanism, encryption authorization, a common identification mechanism, non-tampering, traceability, verification and the like, and can ensure the credibility of information in the block chain. Meanwhile, an interface is provided to connect with an external service platform, so that the contact with other platforms is enhanced, and the expansibility of the platform is improved.
Step S12, generating a service digital contract and a credit digital voucher contract according to the block chain architecture platform;
the various nodes included in the blockchain jointly participate in generating a business digital contract and a credit digital voucher contract, the business digital contract can record and supervise the transaction processes of two transaction parties, and the credit digital voucher contract can stipulate how the credit digital voucher flows in various electronic platforms and how to open and use the credit digital voucher.
Step S13, establishing trust relationship between block chain nodes on the block chain architecture platform;
the application scene of the block chain technology is multi-party participation, a unified trust subject is lacked, and the condition of value circulation or trust transfer exists. In the business platform, upstream and downstream enterprises, financial institutions, similar financial institutions, banks and service providers of both transaction parties participate in accounting, data verification, storage, maintenance, transmission and other processes, and trust relationships among nodes are established through a mathematical method, so that the nodes can verify, maintain and other operations on data in a block chain through the trust relationships among the nodes under the condition that a unified trust subject does not exist.
In this embodiment, the architecture platform for building the blockchain can ensure the circulation of the credit digital voucher on the electronic platform only after the building of the blockchain architecture platform is completed according to the characteristics of the blockchain.
Further, referring to fig. 2 and 5, on the basis of the second embodiment of the credit digital voucher circulation method of the present application, a third embodiment of the credit digital voucher circulation method is provided, in which,
step S30 includes:
step S31, obtaining service information from the service platform and/or the external service platform connected with the architecture platform;
the business information comprises transaction information, logistics, service information, goods delivery information, reconciliation invoice information, receivable and payable rights and obligations of both transaction parties.
Step S32, when the settlement period of the business digital contract is due, judging whether the goods delivery information in the business information is in the completion state;
when the settlement account of both transaction parties is reached, the buyer needs to pay corresponding fees to the seller, in the supply chain, the transaction process often involves delivery of goods, and after the delivery of the goods is completed, the buyer really needs to pay corresponding payment to the seller.
Step S33, if the goods delivery information is in the finished state, the accounts payable information is confirmed according to the service information;
and acquiring the information related to the accounts payable from the business information to obtain the information of the accounts payable.
Step S34, confirming the accounts payable information to the buyer;
and sending the accounts payable information to a buyer for confirmation, wherein the confirmation mainly comprises whether the accounts payable is correct or not and whether a credit digital certificate with the same value as the accounts payable in the accounts payable information can be issued or not.
In this embodiment, when the settlement period arrives according to the business information of the business platform, after confirming that the goods delivery is completed, the accounts payable is confirmed to the fund side. In the event that the settlement account has expired and the transaction has been completed, confirmation of the due amount is made.
Further, referring to fig. 2 and 6, on the basis of the third embodiment of the credit digital voucher circulation method of the present application, a fourth embodiment of the credit digital voucher circulation method is provided, in which,
step S40 includes:
step S41, according to the credit number contract, uploading credit information to a third party to handle credit procedure and/or add credit procedure;
the credit information includes, but is not limited to, the credit type of the buyer, such as personal credit, business credit, national credit. The credit information may include asset information, but the credit information is not limited to asset information and may include soft strength of an individual or an enterprise such as development prospects and relationship contexts. Wherein, the asset information in the credit information can be used for credit evaluation through trust and the like. The trust is a credit trust, the client trusts the property right of the client to the client based on the trust of the client, and the client manages and punishes the actions for the benefits or the specific purposes of the beneficiary on the own name according to the intention of the client. After the trust is completed, the trusted asset is isolated, and the buyer cannot freely trade the trusted asset, that is, the trusted asset becomes a part of the basis of the asset information in the credit information. Similarly, the property right is subject to the pledge registration or the isolation mark storage, so that the isolation of the corresponding property is realized, and the buyer cannot freely punish the corresponding property, so that the corresponding property becomes a part of the basis for issuing the credit information of the credit digital certificate. In addition, the credit information generally includes the buyer's own credit information and credit investigation information of a third party.
Step S42, digitizing the credit according to the credit procedure and/or adding the credit procedure to obtain the corresponding credit limit;
the credit information uploaded by the node and the credit information acquired by other sources, such as third-party credit information and the like, can be evaluated by a fund party to give the credit line of each node, the credit line of the node is digitalized to the credit, the node can use the corresponding credit line to give out a corresponding credit digital certificate, the credit line is a kind of digitalized representation of the credit, and the corresponding credit line of the node with good credit condition is high. Generally, the credit line obtained according to personal credit is lower than that of the enterprise, the credit line obtained according to enterprise credit is lower than national credit, and the node with better performance of self credit and third-party credit investigation also obtains a higher credit line.
Step S43, storing the credit limit to the settlement payment platform;
after the credit information is digitized, a corresponding credit limit is formed and stored in a settlement payment platform of the blockchain, the information in the settlement payment platform also comprises asset isolation information such as enterprise assets, enterprise trust assets, asset mortgage guarantees and the like, bank approval commission guarantee limit information, and the digitized credit limit is stored in the settlement payment platform, each node of the blockchain, particularly a financial institution or a similar financial institution node, can read related information, and the node can also issue a credit digital certificate according to the credit limit of the node.
The credit digitalization process is an important part in the application, corresponding credit limit is obtained by digitalizing the credit of the nodes, and meanwhile, the subsequent credit digital voucher also performs corresponding generation and circulation operations on the basis of the digitalized credit of each node of the block chain.
In the embodiment, the credit information is evaluated, the credit line of each node is obtained or the corresponding credit line is added, the credit line is digitally stored in the settlement payment platform, and the credit digital certificate is guaranteed to have a credit basis, namely, the credit information authenticated by a fund party is used as a generation basis. Meanwhile, the asset information is stored in a settlement payment platform, so that the authenticity and the openness and transparency of the asset information are ensured.
Further, referring to fig. 2, fig. 7 and fig. 8, on the basis of the fourth embodiment of the credit digital voucher circulation method of the present application, a fifth embodiment of the credit digital voucher circulation method is provided, in which step S50 includes:
step S51, obtaining the credit line from the settlement payment platform;
and obtaining a credit line corresponding to the buyer from the settlement payment platform, wherein the credit line can be obtained by evaluating the trusted asset information, the mortgage asset information or the isolation identification asset information.
Step S52, judging the authenticity of the credit line according to the trust relationship between the nodes;
referring to fig. 8, a distributed shared general ledger exists in a block chain structure platform, multiparty accounting is performed, and tampering is not performed, so that the authenticity of the credit line of the nodes is judged by using the mutual trust relationship, generally, each node can vote the authenticity of the credit line, and then the authenticity of the credit line is judged according to the principle that a minority obeys a majority.
Step S53, if the credit line is real, determining whether the credit line can pay accounts payable in the accounts payable information;
after the authenticity of the credit line is confirmed, the corresponding credit digital certificate is issued by using the credit line, wherein the usable credit line is the credit line which is not isolated, and after the credit digital certificate is issued, the credit line corresponding to the credit digital certificate in the credit line is isolated and cannot be reused.
Step S54, if the account payable can be paid, according to the credit digital voucher contract, opening a first credit digital voucher and a first performance promise book and deducting and separating the corresponding credit limit;
if the available credit line can pay the accounts payable, deducting the corresponding credit line from the credit line for isolation, and issuing a credit digital certificate and a performance promise on the settlement payment platform. The credit digital voucher records information of a payer, a line type, a line amount, a payee, an amount, payment time and the like, and a performance acceptance book is a supplement to the credit digital voucher and can ensure that a node can bear corresponding performance responsibility to the credit digital voucher issued by the node, so that the credibility of the credit digital voucher is further improved, and the credit digital voucher can be circulated in a block chain.
In this embodiment, after confirming the authenticity of the credit line according to the credit line stored in the block chain by the buyer, a corresponding credit digital certificate is issued according to the accounts payable.
Further, referring to fig. 2 and 9, on the basis of the first embodiment of the credit digital voucher circulation method of the present application, a sixth embodiment of the credit digital voucher circulation method is provided, in which,
step S60 is followed by:
step S70, receiving a second credit number voucher and a second fulfillment promise;
the buyer may become a seller in another transaction and may receive credit digital certificates and performance commitments issued by other buyers.
Step S80, establishing a virtual clearing account in a clearing center, wherein the virtual clearing account is associated with a bank entity account;
besides the service platform and the settlement payment platform, a clearing platform is required to be established, the clearing platform can be put into the system together with other platforms, and can also be used as an independent platform, clearing is realized through connection with other platforms in the system, and at the moment, a bank can be used for managing the work of a clearing center instead. All parties to the transaction on the platform and the banks and similar financial institutions where the transaction occurs open virtual clearing accounts on the clearing center. The clearing center can communicate with a real bank and associate the virtual clearing account with the bank physical account.
Step S90, settlement of money is carried out to a clearing center through the virtual clearing account according to the amount difference of the expired issued first credit digital certificate and the expired received second credit digital certificate;
the credit digital voucher has a time limit and when the credit digital voucher expires, the credit digital voucher needs to be settled. All the transaction parties issuing and receiving the credit digital certificates and the due accounts are only settled and cleared with the clearing center, and the business is ended every day, the amounts of the credit digital certificates issued by the parties and the held due credit digital certificates are delayed, the difference amount is the amount payable or receivable on the day, at this time, the payment is made to the clearing center account or the payment paid by the clearing center is received, and the payment or the collection operation is correspondingly completed by the real bank. The simultaneous clearing manner includes synchronous clearing and asynchronous clearing.
This embodiment can be combined with the first embodiment, and also can be combined with the other embodiments.
In the embodiment, the clearing work of the transaction among all the nodes in the block chain is realized through the clearing platform, and the fund flow among all the nodes is really realized.
Further, on the basis of the sixth embodiment of the credit digital voucher circulation method of the present invention, there is provided a seventh embodiment of the credit digital voucher circulation method, wherein in the seventh embodiment,
step S,70 then comprises:
step A1, when detecting financing request, applying financing to fund party according to the first credit number voucher and/or the second credit number voucher and the corresponding performance promise book;
the credit digital voucher includes corresponding value, and financial institutions or similar financial institutions such as banks can verify the authenticity of the credit digital voucher based on a block chain consensus mechanism, and simultaneously need to transfer the corresponding performance commitment to a funding party, for example, when the funding party is applied with the first credit digital voucher, the first performance commitment is transferred to the funding party.
Step A2, receiving the fund issued by the fund party according to the first credit digital certificate and/or the second credit digital certificate;
after the authenticity of the credit digital voucher is verified, the fund party, such as a financial institution, a similar financial institution and the like, issues funds to the object applying for financing according to the value corresponding to the credit digital voucher.
In the embodiment, the credit value of the credit digital voucher is realized by applying financing of the credit digital voucher.
Further, on the basis of the sixth embodiment of the credit digital voucher circulation method of the present invention, an eighth embodiment of the credit digital voucher circulation method is provided, in which,
step S70 is followed by:
step B, when a payment request is detected, transmitting the first credit number voucher and/or the second credit number voucher and the corresponding performance commitment book to a supplier partially or completely;
for nodes that receive the credit digital voucher, whether the first digital voucher or the second digital voucher issued by other nodes is received, the received credit digital voucher can be used for transfer, in whole or in part, to other suppliers for payment.
In the present embodiment, the payment function is realized again through the circulation of the credit digital certificate again.
Further, on the basis of the sixth embodiment of the credit digital voucher circulation method of the present invention, there is provided a ninth embodiment of the credit digital voucher circulation method, wherein in the ninth embodiment,
step S70 is followed by:
step C1, when a reservation request is detected, saving the first credit number voucher and/or the second credit number voucher and the corresponding fulfillment commitment;
after the node receives the first credit digital certificate or the second credit digital certificate and the corresponding performance promise book, if the node selects to reserve, the node saves the first credit digital certificate or the second credit digital certificate and the corresponding performance promise book without other processing.
Step C2, when said issued first credit digital voucher and/or said received second credit digital voucher expires, receiving payment to a clearing centre according to said first credit digital voucher and/or said second credit digital voucher;
when the first credit digital voucher or the second credit digital voucher expires and is cleared with the clearing center at the end of every day of business, money of corresponding value can be collected or paid to the clearing center through the expired first credit digital voucher or second credit digital voucher.
Each node in the blockchain platform can perform corresponding processing on the received credit digital certificate according to the steps in the seventh embodiment, the eighth embodiment and/or the ninth embodiment, so as to realize the payment or circulation function of the credit digital certificate in the platform, and meanwhile, the processing processes on the credit digital certificate can be repeated continuously, and the credit digital certificate issued or received by the node per se and the performance commitment book can be processed according to the operations in the seventh embodiment to the ninth embodiment.
In this embodiment, by saving the credit digital voucher, the payment can be collected from the clearing house when the credit digital voucher expires, and the credit digital voucher completes a complete circulation process from generation to expiration for the owner to obtain the payment.
The specific implementation of the mobile terminal and the readable storage medium (i.e., the computer readable storage medium) of the present invention is basically the same as the embodiments of the credit digital voucher transfer method, and is not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (11)
1. A credit digital certificate transfer method is characterized by comprising the following steps:
building a block chain architecture platform;
acquiring a service digital contract and a credit digital voucher contract in the block chain architecture platform and/or an external service platform connected with the architecture platform;
confirming accounts payable information to a buyer when a settlement period of the business digital contract expires;
acquiring a credit line according to the credit digital contract;
according to the credit digital voucher contract, a first credit digital voucher and a first performance promise book are opened according to the account information to be paid, and deduction and separation are carried out on the corresponding credit limit;
communicating the first digital voucher for credit and the first performance commitment to a vendor.
2. The method of claim 1, wherein the step of building a blockchain architecture platform comprises:
building a block chain architecture platform, wherein the architecture platform comprises a settlement payment platform, a service platform and an interface connected with the external service platform;
generating a business digital contract and a credit digital voucher contract according to the block chain architecture platform;
and establishing a trust relationship between the block chain nodes on the block chain architecture platform.
3. The credit digital voucher transfer method of claim 2, wherein the step of confirming the payable information to the buyer when the settlement period of the business digital contract expires comprises:
acquiring service information from the service platform and/or an external service platform connected with the architecture platform;
when the settlement period of the business digital contract expires, judging whether goods delivery information in the business information is in a finished state;
if the goods delivery information is in a finished state, confirming accounts payable information according to the service information;
confirming the accounts payable information to a buyer.
4. The method of claim 3, wherein the step of obtaining a credit line according to the credit contract comprises:
uploading credit information to a third party to handle and/or add credit procedures according to the credit number contract;
digitizing the credit according to the credit procedure and/or adding the credit procedure to obtain a corresponding credit limit;
and storing the credit limit to the settlement payment platform.
5. The method as claimed in claim 4, wherein the step of issuing a first credit voucher and a first performance commitment according to the payable account and deducting and separating the corresponding credit line according to the credit voucher contract comprises:
obtaining the credit line from the settlement payment platform;
judging the authenticity of the credit line according to the trust relationship between the nodes;
if the credit line is real, judging whether the credit line can pay accounts payable in the accounts payable information;
if the account payable can pay, according to the credit digital voucher contract, opening a first credit digital voucher and a first performance acceptance letter and deducting and separating the corresponding credit limit.
6. The method of claim 1, wherein the step of delivering the first credit digital voucher and the first fulfillment commitment to a vendor is followed by:
receiving a second credit number voucher and a second performance commitment book;
establishing a virtual clearing account in a clearing center, wherein the virtual clearing account is associated with a bank entity account;
and settling money to a clearing center through the virtual clearing account according to the amount netting of the expired issued first credit digital certificate and the expired received second credit digital certificate.
7. The method of claim 6, wherein the step of receiving the second credit digital voucher and the second performance commitment is followed by:
when a financing request is detected, applying financing to a funding party according to the first credit digital certificate and/or the second credit digital certificate and the corresponding performance promise book;
and receiving funds released by the funding party according to the first credit digital certificate and/or the second credit digital certificate.
8. The method of claim 6, wherein the step of receiving the second credit digital voucher and the second performance commitment is followed by:
upon detecting a payment request, communicating the first and/or second credit digital vouchers and the corresponding performance commitment book, partially or fully, to a vendor.
9. The method of claim 6, wherein the step of receiving the second credit digital voucher and the second performance commitment is followed by:
when a reservation request is detected, saving the first credit number voucher and/or the second credit number voucher and the corresponding performance commitment book;
when the opened first credit digital certificate and/or the received second credit digital certificate expires, payment is received to a clearing center according to the first credit digital certificate and/or the second credit digital certificate.
10. A terminal, characterized in that the terminal comprises: a memory, a processor, and a credit digital voucher transfer program stored on the memory and executable on the processor, which when executed by the processor implements the steps of the credit digital voucher transfer method of any of claims 1 to 9.
11. A readable storage medium, having stored thereon a computer program which, when executed by a processor, carries out the steps of the credit digital voucher streaming method according to any one of claims 1 to 9.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911163512.9A CN110910137A (en) | 2019-11-22 | 2019-11-22 | Credit digital certificate transfer method, terminal and readable storage medium |
| PCT/CN2020/102687 WO2021098249A1 (en) | 2019-11-22 | 2020-07-17 | Digital credit certificate circulating method, terminal, and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201911163512.9A CN110910137A (en) | 2019-11-22 | 2019-11-22 | Credit digital certificate transfer method, terminal and readable storage medium |
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| CN201911163512.9A Pending CN110910137A (en) | 2019-11-22 | 2019-11-22 | Credit digital certificate transfer method, terminal and readable storage medium |
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| WO (1) | WO2021098249A1 (en) |
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