CN112767185A - Reverse warranty financing method and device based on block chain and storage medium - Google Patents
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Abstract
The invention discloses a block chain-based reverse guarantee financing method, equipment and a storage medium, wherein the block chain-based reverse guarantee financing method completely publishes the information of the whole reverse guarantee financing process on a chain through a block chain, thereby realizing the digitization of bills and the automatic circulation in a block chain network, improving the authenticity of data and reducing the investment risk of a maintainer caused by the information authenticity problem. In addition, the invention realizes the multi-party cooperation of the reverse warranty business by utilizing the block chain technology, reduces a large number of intermediate links, simplifies the processes of transmitting and checking the documents, saves the manpower, material resources, financial resources and time cost, and ensures that the financing process is more rapid and intelligent. The electronic document can not be falsified and forged, the authenticity of various documents used in the business is ensured, the trust relationship among all parties is strengthened, and the financing process is safer and more efficient.
Description
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a reverse warranty financing method and apparatus based on blockchain, and a storage medium.
Background
The reverse warranty, also called buyer warranty, refers to a warranty applied by a debtor (core enterprise) initiating or leading a business. The maintainer selects a core enterprise with larger scale and better credit standing to achieve a reverse insurance agreement, and provides insurance financing for medium and small enterprises which supply goods and are positioned on the supply chain.
As shown in fig. 1, the conventional reverse-insurance financing business system, however, the above-mentioned reverse-insurance financing business process has the following problems:
in the traditional reverse insurance financing activity, a large amount of paper materials are drafted and verified, and a mailing mode is often adopted in the material transfer process, so that the financing activity efficiency is greatly reduced, and a large amount of manpower and financial resources are wasted.
Secondly, the paper materials have the possibility of counterfeiting, are easy to lose and are difficult to store.
And thirdly, the reverse warranty contract is signed based on risk assessment of the warranty provider for the buyer, and the warranty provider underestimates default risk of the buyer due to incomplete information control of the buyer or data counterfeiting of the buyer.
Disclosure of Invention
The invention provides a reverse warranty financing method based on a block chain, and aims to solve the technical problems of low efficiency, high cost and high risk of the conventional reverse warranty financing activity.
The technical scheme adopted by the invention is as follows:
a reverse warranty financing method based on block chains comprises the following steps:
the buyer node signs the enterprise information verified by the Oracle node with a private key and then issues the enterprise information to the block chain network;
the method comprises the steps that a buyer node and a seller node form a transaction contract, the buyer node executes an intelligent contract for generating accounts payable, and generates a digital accounts receivable bill comprising a set field by utilizing enterprise information verified by an Oracle node and transaction content, and the digital accounts receivable bill is signed by a private key and then issued to a block chain network, wherein the current state of the accounts receivable bill is set as a first state in the complete life cycle of the accounts receivable bill;
the seller node sends the goods to the buyer after verifying the signature of the buyer node and the relevant set field of the receivable bill, uploads a goods sending voucher to the Oracle node, fills the relevant set field of the receivable bill, and finally signs and issues the goods to the blockchain network;
verifying the signature and the delivery voucher of the seller node by the buyer node, issuing the receivable bill signature to the blockchain network after the verification is passed, transferring the receivable bill to the seller node at the moment, and converting the current state of the receivable bill into a second state in the complete life cycle of the seller node;
after the seller node and the policy holder node reach an assignment agreement, the seller node signs the account receivable bill and then issues the account receivable bill to the blockchain network;
the policy holder node verifies the signature of the seller node and the content of the accounts receivable bill, transfers the account to the seller node, uploads a transfer certificate to the Oracle node, fills in a related set field of the accounts receivable bill, and finally signs and issues the account to the block chain network;
the seller node verifies the signature and the transfer certificate of the policy holder node, and issues the account receivable bill signature to the block chain network after the verification is passed, at the moment, the account receivable bill is transferred to the policy holder node, and the current state of the account receivable bill is converted into a third state in the complete life cycle of the account receivable bill;
the policy holder node executes an intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the bill to the block chain network;
the buyer node verifies the signature of the manager node, transfers the account to the manager node, uploads the account transfer voucher to the Oracle node, fills in the related set field of the receivable bill, and issues the signed account to the block chain network;
the policy manager node verifies the signature and transfer certificate of the buyer node, issues the account receivable bill signature to the blockchain network after the verification is passed, transfers the account receivable bill to the buyer node at the moment, and converts the current state of the account receivable bill to a fourth state in the complete life cycle of the account receivable bill.
Further, the set fields of the accounts receivable ticket include:
the payer: a buyer in a transaction;
enterprise information: enterprise information which is needed to be provided by the buyer enterprise;
document numbering: the number of accounts receivable is determined according to the number of times of generating accounts receivable by the buyer;
the payee: a seller or a reseller receiving accounts receivable;
transaction content: the materials, products or services that the buyer needs to purchase;
the amount to be charged: an amount that the buyer should pay;
payment date: a date on which the buyer is expected to redeem accounts receivable;
a delivery certificate: the seller provides the buyer with the proof of delivery already;
the policy holder: a mechanism for providing a warranty service for accounts receivable;
the current pasting rate: the receivables cash-out rate given by the policy holder;
and (4) cash pasting amount: an amount of accounts receivable cash;
transfer voucher: the account holders provide the seller, or the account transfer certificates of the current accounts receivable provided by the account holders mutually;
the current holder: a current holder of accounts receivable;
remaining expiration days: the remaining days for which the account is to be collected are paid for by the buyer;
the current state is as follows: the current status of the accounts receivable ticket in its life cycle.
Further, the accounts receivable item is uniquely identified by the payer with a document number field; the specific status of the accounts receivable ticket is determined by the current holder and the current status two fields.
Further, the first state is a payable state, and the payable state is a state in which the buyer node generates the accounts receivable bill.
Further, the second state is an account receivable state, and the account receivable state is a state where the account receivable bill held by the seller node is located after the transaction is completed by the buyer and the seller node.
Further, the third state is a posted state, the posted state being a state in which accounts receivable tickets are posted by the seller node and transferred between the policy holder nodes.
Further, the fourth state is a failure state, and the failure state is a state where the collected accounts receivable bills are located after the buyer node repays the money from the policy holder node.
Further, the posting pricing model of the receivable bill is embedded into a business process of posting the receivable bill as part of the content of the intelligent contract to realize the automatic execution of the posting business, and the posting pricing model of the receivable bill is defined as follows:
sum of money to be paid-sum of money to be paid x rate of money to be paid ÷ 360 x number of remaining days to be due
Wherein the discount rate is the risk-free interest rate rfAnd a reproduction rate rrThe discount period t and the buyer credit risk interest rate r based on the block chainBFunction of (c):
current rate f (r)f，rr，t，rB)。
Another aspect of the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the block chain-based reverse insurance financing method.
Another aspect of the present invention provides a storage medium, where the storage medium includes a stored program, and when the program runs, the apparatus on which the storage medium is located is controlled to execute the block chain-based reverse financing method.
The invention has the following beneficial effects:
the reverse insurance policy financing method based on the block chain completely publishes the information of the whole reverse insurance policy financing process on the chain through the block chain, breaks through information isolated islands among the participants, realizes information sharing, deepens the trust degree among the participants, reasonably designs the complete life cycle and the state transfer process of accounts receivable bills, and realizes the digitization of the bills and the automatic circulation in the block chain network; in the transaction process, each participant repeatedly confirms and verifies the signature and the data, so that the authenticity of the data is improved, and the investment risk of a maintainer caused by the information authenticity problem is reduced; the block chain technology is used for accurately recording the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, once a problem occurs in a transaction link, the source of the problem can be traced very easily, and the transaction process can be monitored conveniently; the automatic execution of the intelligent contract replaces the processes of ordering, filling, mailing, auditing and the like which occupy a large amount of manpower and time in the traditional reverse insurance business process, so that the manpower, material resources, financial resources and time cost are saved; the combination of technologies such as block chains, asymmetric encryption, intelligent contracts and the like realizes the multi-party cooperation of reverse warranty services, reduces a large number of intermediate links and enables the financing process to be faster, safer and more intelligent.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic diagram of a payment by pad business network in the existing logistics financing.
Fig. 2 is a flow chart of a reverse-direction insurance financing method based on block chains according to a preferred embodiment of the present invention.
Fig. 3 is a schematic diagram of a service timing sequence of the preferred embodiment of the present invention.
Fig. 4 is a data model diagram of an accounts receivable ticket in accordance with a preferred embodiment of the present invention.
Fig. 5 is a schematic view of the complete life cycle of an accounts receivable ticket in accordance with the preferred embodiment of the present invention.
Fig. 6 is a block chain ledger design diagram of accounts receivable tickets in accordance with a preferred embodiment of the present invention.
Fig. 7 is a schematic diagram of network deployment of the preferred embodiment of the present invention.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
For the sake of understanding, the technical terms and the multi-party nodes involved in the blockchain-based reverse-policy financing method will be explained first.
Oracle (Oracle): a platform for providing external information, which can allow the block chain to be connected to any existing API, and can import, store and export information related to network nodes on the block chain, thereby realizing dynamic acquisition of the information;
the buyer node: refers to a buyer enterprise in a transaction;
third, the seller node: refers to a seller enterprise in a transaction;
fourthly, the policy manager node: refers to a financial institution that provides warranty services.
The reverse warranty, also called buyer warranty, refers to a warranty applied by a debtor (core enterprise) initiating or leading a business. The maintainer selects a core enterprise with larger scale and better credit standing to achieve a reverse insurance agreement, and provides insurance financing for medium and small enterprises which supply goods and are positioned on the supply chain.
The block chain technology is an emerging technology which is characterized in that a point-to-point distributed network is formed by a plurality of computer devices and a complete distributed database is maintained together. The block chain technology has the characteristics of decentralization, openness and transparency, difficulty in data tampering, difficulty in data loss and the like, and is widely applied to a plurality of fields.
The intelligent contract technology is essentially a program written in a certain computing programming language, which runs on the nodes of a block chain network and automatically runs when a trigger condition is met. As an abstraction of a real scene, the intelligent contract realizes rules set by multiple parties in the real world by using a computer language, and when some real conditions mapped in a program occur, the computer automatically executes a preset intelligent contract, so that the occurrence of default conditions is avoided.
The asymmetric encryption technology is characterized in that a group of public and private keys are used for encrypting and decrypting data, the public and private keys can decrypt the encryption of the other side, and the public key encryption and the private key decryption are encryption schemes; the private key encryption and the public key decryption are signature schemes. Currently, the asymmetric encryption algorithm is usually used as RSA algorithm and elliptic curve algorithm (ECSDA).
The Hash algorithm can map binary plaintext strings with any length into binary strings (Hash values) with short fixed lengths, and the probability that different plaintext strings are mapped into the same Hash value is extremely low. An excellent Hash algorithm can implement the following functions: forward fast, reverse difficult, input sensitive, collision avoidance, and therefore, the Hash algorithm is also called fingerprint (fingerprint) or digest (digest).
The digital identity is authenticated by adopting a digital signature technology, the digital signature utilizes the principle of cryptography, has uniqueness relative to a signer during use, and is computationally infeasible to forge a digital signature, so that the real identity of the signer can be identified through the digital signature, and the identity cannot be repudiated.
As shown in fig. 2, a reverse-direction insurance financing method based on block chain includes the following steps:
s1, the buyer node sends enterprise information and the like to an Oracle node, the Oracle node verifies that the information is true, signs the information with a private key and then issues the information to a block chain network;
s2, a buyer node and a seller node form a transaction contract, the buyer node executes an intelligent contract for generating accounts payable, and generates a digital accounts receivable bill comprising a set field by utilizing enterprise information verified by an Oracle node and transaction content, and the digital accounts receivable bill is signed by a private key and then issued to a block chain network, wherein the current state of the accounts receivable bill is set as a first state in the complete life cycle of the accounts receivable bill;
s3, after verifying the fields of the signature, the transaction content, the receivable amount and the like of the buyer node, the seller node delivers goods to the buyer node and uploads a goods delivery voucher to the Oracle node;
s4, filling a delivery voucher field of the bill to be billed by the seller node through the Oracle node, signing and then issuing the bill to the block chain network;
s5, verifying the signature and the delivery certificate of the seller node by the buyer node, issuing the account receivable bill signature to the block chain network after the verification is passed, transferring the account receivable bill to the seller node at the moment, and converting the current state of the account receivable bill into a second state in the complete life cycle of the account receivable bill;
s6, after the seller node and the insurance manager node reach an assignment agreement, the seller node signs the account receivable bill and then issues the account receivable bill to the blockchain network;
s7, verifying the signature and the receivable bill content of the seller node by the policy holder node, transferring accounts to the seller node, and uploading a transfer certificate to the Oracle node;
s8, filling the cashing amount and the transfer certificate field by the policy holder node through an Oracle node, and finally signing and then issuing to a block chain network;
s9, the seller node verifies the signature and the account transfer certificate of the policy holder node, and issues the account receivable bill signature to the block chain network after the verification is passed, at the moment, the account receivable bill is transferred to the policy holder node, and the current state of the account receivable bill is converted into a third state in the complete life cycle of the account receivable bill;
s10, executing an intelligent contract for cashing receivable accounts by a policy holder node, signing the receivable account bill and then issuing the signed receivable account bill to a block chain network;
s11, the buyer node verifies the signature of the manager node, transfers money to the manager node and uploads a transfer certificate to the Oracle node;
s12, filling a transfer certificate field by a buyer node through an Oracle node, signing and then issuing to a block chain network;
and S13, the policy and care provider node verifies the signature and the transfer certificate of the buyer node, issues the account receivable bill signature to the block chain network after the verification is passed, transfers the account receivable bill to the buyer node at the moment, and converts the current state of the account receivable bill to a fourth state in the complete life cycle of the account receivable bill.
In the reverse insurance policy financing method based on the blockchain, the information of the whole reverse insurance policy financing process is completely published on the chain through the blockchain, an information island between participants is broken, information sharing is realized, the trust degree between the participants is deepened, the complete life cycle and the state transfer process of accounts receivable bills are reasonably designed, the digitalization of the bills and the automatic circulation in the blockchain network are realized, and the interaction time sequence between the nodes is shown in fig. 3; in the transaction process, each participant repeatedly confirms and verifies the signature and the data, so that the authenticity of the data is improved, and the investment risk of a maintainer caused by the information authenticity problem is reduced; the block chain technology is used for accurately recording the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, once a problem occurs in a transaction link, the source of the problem can be traced very easily, and the transaction process can be monitored conveniently; the automatic execution of the intelligent contract replaces the processes of ordering, filling, mailing, auditing and the like which occupy a large amount of manpower and time in the traditional reverse insurance business process, so that the manpower, material resources, financial resources and time cost are saved; the combination of technologies such as block chains, asymmetric encryption, intelligent contracts and the like realizes the multi-party cooperation of reverse warranty services, reduces a large number of intermediate links and enables the financing process to be faster, safer and more intelligent. Fig. 7 is a block chain network deployment diagram of the preferred embodiment of the present invention.
Specifically, the data model design is a premise for realizing the state transition and the life cycle of the receivable account bills, and the receivable account data model based on the block chain not only needs to meet the requirement of the uplink of the digital asset information and embody the business process of the reverse warranty in reality, but also needs to accurately represent the state and the current attribution of the receivable account bills in the life cycle, and based on this, as shown in fig. 4, the setting fields of the receivable account bills of this embodiment include:
the payer: a buyer in a transaction;
enterprise information: enterprise information which is needed to be provided by the buyer enterprise;
document numbering: the number of accounts receivable is determined according to the number of times of generating accounts receivable by the buyer;
the payee: a seller or a reseller receiving accounts receivable;
transaction content: the materials, products or services that the buyer needs to purchase;
the amount to be charged: an amount that the buyer should pay;
payment date: a date on which the buyer is expected to redeem accounts receivable;
a delivery certificate: the seller provides the buyer with the proof of delivery already;
the policy holder: a mechanism for providing a warranty service for accounts receivable;
the current pasting rate: the receivables cash-out rate given by the policy holder;
and (4) cash pasting amount: an amount of accounts receivable cash;
transfer voucher: the account holders provide the seller, or the account transfer certificates of the current accounts receivable provided by the account holders mutually;
the current holder: a current holder of accounts receivable;
remaining expiration days: the remaining days for which the account is to be collected are paid for by the buyer;
the current state is as follows: the current status of the accounts receivable ticket in its life cycle.
Wherein the accounts receivable item is uniquely identified by the payer and the document number field; the specific status of the accounts receivable ticket is determined by the current holder and the current status two fields. The remaining fields describe the attributes of the accounts receivable in different ways. The receivables implement a digital transformation through the data model.
Specifically, the first state is a payable state, and the payable state is a state in which the buyer node generates the accounts receivable bill. The second state is a receivable state, and the receivable state is a state of a receivable bill held by the seller node after the transaction is completed by the buyer and the seller node. The third state is a posted state, the posted state being a state in which accounts receivable tickets are posted by the seller node and transferred between the policy holder nodes. The fourth state is a failure state, and the failure state is the state of the recovered accounts receivable bill after the buyer node repays the account from the insurance manager node.
The life cycle of the accounts receivable bill is an abstract description of the actual reverse warranty business process and is a necessary analysis link for realizing digitization of the accounts receivable bill. For the business process of reverse warranty, the life cycle of the accounts receivable note is as shown in fig. 5, and the accounts receivable note undergoes an accounts payable state, an accounts receivable state, a cash-in state, and a failure state from generation to redemption, thereby constituting a complete life cycle. Meanwhile, the state transition is promoted by several actions of generation, transaction, deposit (transfer) and payment.
Introduction of each action:
generating: the buyer executes the account and generates accounts receivable;
trading: the buyer and the seller complete the transaction, and the receivable is held by the seller after the transaction;
paying: the warranty manager executes the payment, and the receivable accounts are held by the warranty manager after the payment is placed;
repayment: the buyer executes the payment, and the receivable is collected by the buyer after the payment is made.
Since a series of processes and results of accounts receivable cash-out and transaction are recorded by using the blockchain technology based on reverse warranty of the blockchain, the design of the blockchain account book for accounts receivable is shown in fig. 6. The ledger contains two components, the world state and the blockchain. The world state is a database used for storing a set of current states of the accounts, namely the condition that all accounts hold accounts receivable; the blockchain is a transaction log that records all changes that contribute to the current world state, i.e., the flow records of accounts receivables between all accounts. Transactions recorded in the blockchain change the state of certain accounts, and thus change the world state of the ledger.
The receivables cash-out is a key link for returning funds in the reverse warranty business by sellers, and the default risk of buyers is taken as an important calculation index and is incorporated into a pricing model of cash-out rate. In the reverse warranty financing method based on the block chain, because the enterprise information, the transaction content and other key information of the buyer enterprise are accurately and irrevocably recorded in the data model of the receivable accounts, and the use of the intelligent contract technology also ensures the automatic execution of the cashing of the receivable accounts, the default risk of the buyer enterprise and the investment risk of the warranty provider are greatly reduced, and meanwhile, the liquidity of the receivable accounts is relatively enhanced, so that the receivable accounts cash pricing model based on the block chain is also changed correspondingly compared with the traditional cash pricing model.
Therefore, in a preferred embodiment of the present invention, the posting pricing model of the receivable bill is embedded into the business process of posting the receivable bill as part of the content of the intelligent contract to realize the automatic execution of the posting business, and the posting pricing model of the receivable bill is defined as follows:
sum of money to be paid-sum of money to be paid x rate of money to be paid ÷ 360 x number of remaining days to be due
Wherein the discount rate is the risk-free interest rate rfAnd a reproduction rate rrThe discount period t and the buyer credit risk interest rate r based on the block chainBFunction of (c):
current rate f (r)f，rr，t，rB)。
Another preferred embodiment of the present invention provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the block chain-based reverse insurance financing method.
In another aspect, a preferred embodiment of the present invention provides a storage medium, where the storage medium includes a stored program, and when the program runs, the apparatus on which the storage medium is located is controlled to execute the block chain-based reverse insurance financing method.
The reverse warranty financing method based on the block chain completely publishes the information of the whole reverse warranty financing process on the chain through the block chain, realizes the digitization of bills and the automatic circulation in the block chain network, improves the authenticity of data, and reduces the investment risk of a warranty caused by the information authenticity problem. In addition, the invention realizes the multi-party cooperation of the reverse warranty business by utilizing the block chain technology, reduces a large number of intermediate links, simplifies the processes of transmitting and checking the documents, saves the manpower, material resources, financial resources and time cost, and ensures that the financing process is more rapid and intelligent. The electronic document can not be falsified and forged, the authenticity of various documents used in the business is ensured, the trust relationship among all parties is strengthened, and the financing process is safer and more efficient.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
The functions of the method of the present embodiment, if implemented in the form of software functional units and sold or used as independent products, may be stored in one or more storage media readable by a computing device. Based on such understanding, part of the contribution of the embodiments of the present invention to the prior art or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device, a network device, or the like) to execute all or part of the steps of the method described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A reverse warranty financing method based on a block chain is characterized by comprising the following steps:
the buyer node signs the enterprise information verified by the Oracle node with a private key and then issues the enterprise information to the block chain network;
the method comprises the steps that a buyer node and a seller node form a transaction contract, the buyer node executes an intelligent contract for generating accounts payable, and generates a digital accounts receivable bill comprising a set field by utilizing enterprise information verified by an Oracle node and transaction content, and the digital accounts receivable bill is signed by a private key and then issued to a block chain network, wherein the current state of the accounts receivable bill is set as a first state in the complete life cycle of the accounts receivable bill;
the seller node sends the goods to the buyer after verifying the signature of the buyer node and the relevant set field of the receivable bill, uploads a goods sending voucher to the Oracle node, fills the relevant set field of the receivable bill, and finally signs and issues the goods to the blockchain network;
verifying the signature and the delivery voucher of the seller node by the buyer node, issuing the receivable bill signature to the blockchain network after the verification is passed, transferring the receivable bill to the seller node at the moment, and converting the current state of the receivable bill into a second state in the complete life cycle of the seller node;
after the seller node and the policy holder node reach an assignment agreement, the seller node signs the account receivable bill and then issues the account receivable bill to the blockchain network;
the policy holder node verifies the signature of the seller node and the content of the accounts receivable bill, transfers the account to the seller node, uploads a transfer certificate to the Oracle node, fills in a related set field of the accounts receivable bill, and finally signs and issues the account to the block chain network;
the seller node verifies the signature and the transfer certificate of the policy holder node, and issues the account receivable bill signature to the block chain network after the verification is passed, at the moment, the account receivable bill is transferred to the policy holder node, and the current state of the account receivable bill is converted into a third state in the complete life cycle of the account receivable bill;
the policy holder node executes an intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the bill to the block chain network;
the buyer node verifies the signature of the manager node, transfers the account to the manager node, uploads the account transfer voucher to the Oracle node, fills in the related set field of the receivable bill, and issues the signed account to the block chain network;
the policy manager node verifies the signature and transfer certificate of the buyer node, issues the account receivable bill signature to the blockchain network after the verification is passed, transfers the account receivable bill to the buyer node at the moment, and converts the current state of the account receivable bill to a fourth state in the complete life cycle of the account receivable bill.
2. The blockchain-based reverse financing method according to claim 1, wherein the set fields of the accounts receivable ticket include:
the payer: a buyer in a transaction;
enterprise information: enterprise information which is needed to be provided by the buyer enterprise;
document numbering: the number of accounts receivable is determined according to the number of times of generating accounts receivable by the buyer;
the payee: a seller or a reseller receiving accounts receivable;
transaction content: the materials, products or services that the buyer needs to purchase;
the amount to be charged: an amount that the buyer should pay;
payment date: a date on which the buyer is expected to redeem accounts receivable;
a delivery certificate: the seller provides the buyer with the proof of delivery already;
the policy holder: a mechanism for providing a warranty service for accounts receivable;
the current pasting rate: the receivables cash-out rate given by the policy holder;
and (4) cash pasting amount: an amount of accounts receivable cash;
transfer voucher: the account holders provide the seller, or the account transfer certificates of the current accounts receivable provided by the account holders mutually;
the current holder: a current holder of accounts receivable;
remaining expiration days: the remaining days for which the account is to be collected are paid for by the buyer;
the current state is as follows: the current status of the accounts receivable ticket in its life cycle.
3. The blockchain-based reverse insurance policy financing method according to claim 2, characterized in that the accounts receivable item is uniquely identified by the payer with an item number field; the specific status of the accounts receivable ticket is determined by the current holder and the current status two fields.
4. The blockchain-based reverse financing method according to claim 1, wherein the first state is a payable state, the payable state being a state in which a buyer node generates an accounts receivable ticket.
5. The blockchain-based reverse financing method according to claim 1, wherein the second status is an accounts receivable status, and the accounts receivable status is a status of accounts receivable bills held by the seller node after the buyer and seller nodes complete the transaction.
6. The blockchain-based reverse warranty financing method according to claim 1 wherein the third state is a discounted state, the discounted state being a discounted by a seller node and a state in which accounts receivable tickets are transferred between the warranty nodes.
7. The reverse insurance policy financing method according to claim 1, wherein the fourth status is a failure status, and the failure status is a status of the accounts receivable bill being collected after the buyer node repays the bill from the insurance carrier node.
8. The block chain-based reverse-policy financing method according to claim 1, wherein the posting pricing model of the receivable bill is embedded into the business process of posting the receivable bill as part of the intelligent contract to realize the automatic execution of the posting business, and the posting pricing model of the receivable bill is defined as follows:
sum of money to be paid-sum of money to be paid x rate of money to be paid ÷ 360 x number of remaining days to be due
Wherein the discount rate is the risk-free interest rate rfAnd a reproduction rate rrThe discount period t and the buyer credit risk interest rate r based on the block chainBFunction of (c):
current rate f (r)f，rr，t，rB)。
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the blockchain-based reverse insurance financing method according to any one of claims 1 to 8.
10. A storage medium including a stored program, characterized in that the program, when executed, controls a device on which the storage medium is located to execute the block chain-based reverse financing method according to any one of claims 1 to 8.
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