CN112950203A - Bill financing method, system, equipment and medium based on intelligent matching platform - Google Patents
Bill financing method, system, equipment and medium based on intelligent matching platform Download PDFInfo
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Abstract
The invention discloses a bill financing method, a bill financing system, bill financing equipment and bill financing media based on an intelligent matching platform. The intelligent matching platform is used for splitting, integrating and matching bills, so that bill holders and the whole bill market can reasonably allocate bills, bill acceptance speed is increased, information asymmetry condition is reduced, financing efficiency is increased, and financing cost is reduced. Meanwhile, the discount rate and the pledge cost of a fund demander are saved, and the settlement cost and the potential compliance risk of the fund demander are reduced. The method integrates the advantages of electronization, detachability and matchability of the bills by combining the blockchain technology and the intelligent matching platform, and realizes the mutual benefit coexistence of the fund demander, the fund supplier and the commodity supply chain in the bill market, thereby realizing the win-win situation.
Description
Technical Field
The invention relates to the technical field of bill financing, in particular to a bill financing method and system based on an intelligent matching platform, equipment and a computer readable storage medium.
Background
The bill financing refers to a method for the bill holder to obtain the commercial draft in a non-trade way, apply for cash withdrawal and collect fund from the bank by the bill, and realize the financing purpose. As shown in fig. 1, the conventional bill financing business process is that when a small or medium-sized enterprise has a capital demand, a commercial acceptance bill is held and goes to a bank to handle the bill pasting procedure. Under the background that the interest rates of the withdrawal and the transfer withdrawal are basically marketized, the cost of acquiring capital for bill financing is greatly lower than that of a common loan, so that the financing cost of an enterprise is reduced.
However, the existing bill financing model has the following disadvantages:
1. the existing bill financing system does not benefit medium and small enterprises, the interest rate of direct bank posting is high, the procedure is complicated, the time consumption is long, the information of both capital and demand parties is difficult to match, and the like, so that the information searching cost of the medium and small enterprises is high, and the enterprises are difficult to finance and are expensive to finance.
2. Not only are the two parties of the fund supply and demand difficult to match at the information level, but also at the amount level, the nominal amount held by the fund demand party (the ticket holder) and the fund amount which can be provided by the fund supply party (the acceptor) are difficult to match, and the ticket holder is difficult to find the acceptor which just provides the nominal amount, namely, the two parties of the fund supply and demand can be completely matched, the conditions are few and few, sometimes the nominal amount is large and the acceptance amount is small, and sometimes the nominal amount is small and the acceptance amount is large.
3. In the process of drawing a bill, a transaction contract can be forged between a drawer and a payee, so that false bills with a re-sale relationship and the like occur, and the authenticity of the transaction is influenced.
4. In the link of verifying the bill information, checking the essential elements of the bill contract form and determining whether to cash or pledge the bill, a large amount of labor cost is needed, the operation efficiency is low, and meanwhile, the operation risk is possibly caused.
5. When the cash is transacted or the pledge is signed, a certain commission fee exists, the ticket holder needs to bear settlement costs such as cash payment expense or pledge fee, and the economic burden of small and medium-sized enterprises is increased.
Disclosure of Invention
The invention provides a bill financing method based on an intelligent matching platform, a system, equipment and a computer readable storage medium, which are used for solving the technical problems that a small and medium-sized enterprise is difficult to finance, financing is expensive and two fund demand parties are difficult to accurately match in the existing bill financing mode.
According to one aspect of the invention, a bill financing method based on an intelligent matching platform is provided, which comprises the following steps:
step S1: the fund demand side node and the fund supply side node perform identity registration, and record the identity registration to the block chain after the identity registration is successful;
step S2: the fund demander node marks the bill information into a bill pool of the intelligent matching platform node;
step S3: the intelligent matching platform node splits and integrates the bills listed by the capital demander nodes;
step S4: the intelligent matching platform node performs intelligent matching according to the split and integrated new tickets, generates order information according to matching results and transmits the order information to the fund demander node;
step S5: after matching is successful, the fund supplier node picks the bill and carries out Hash signature by using a private key;
step S6: the fund demand side node and the fund supply side node sign a bill acceptance contract on the block chain and perform whole network broadcasting;
step S7: and (4) performing transfer transaction between the fund demand side node and the fund supply side node, and recording a transfer result on the block chain after the transfer result is confirmed by Hash signatures of the two side nodes.
Further, the splitting and integrating the ticket in step S3 includes the following steps:
splitting a large-amount bill into at least two small-amount bills; or integrating a plurality of small-amount bills into at least one large-amount bill; or, the bill is subjected to standardized operation and is converted into a standardized bill convenient for market circulation.
Further, the process of splitting a large note into at least two small notes comprises the following steps:
splitting according to the amount provided by the fund supplier, or directly converting into multiple reference bills with the denomination of 1 according to the bill amount.
Further, the process of performing intelligent matching in step S4 specifically includes:
selecting a new bill from the sub-bill pool, subtracting the amount of the new bill and the subsidy amount given by the plurality of fund provider nodes one by one, screening out the minimum absolute value in the plurality of difference values, and finding out the fund demander node and the fund provider node corresponding to the minimum absolute value to match.
Further, the step S6 is specifically:
the fund demand side node deploys a request of a bill acceptance contract on a block chain, carries out Hash signature confirmation by using a private key, then encrypts and sends the request to the fund supply side node, after receiving the encrypted file, the fund supply side node firstly verifies the encrypted file, confirms that the request is sent by the fund demand side node, and carries out Hash signature confirmation by using the private key after the verification passes.
Further, the step S7 is specifically:
and the fund supplier node remits money to the account of the fund demand side node in a token transfer mode, Hash signature is carried out on the transfer record, the fund demand side node receives the remittance and then carries out Hash signature confirmation on the transfer record, and the transfer record is recorded on the block chain.
Further, the step S1 is specifically:
and uploading enterprise operation information to the Oracle node by the fund demand side node and the fund supply side node, carrying out Hash signature by using a private key, carrying out Hash signature confirmation after the verification of the Oracle node, and recording the Hash signature confirmation to the block chain.
In addition, the invention also provides a bill financing system based on the intelligent matching platform, which comprises
The identity registration module is used for carrying out identity registration on the fund supply demand side node and the fund supplier node and recording the successful registration result to the block chain;
the listing module is used for listing the bill information to a bill pool of the intelligent matching platform node by the fund supply demander node;
the intelligent matching platform is used for splitting and integrating the tickets listed by the fund demander node, intelligently matching the split and integrated new tickets and generating order information according to matching results and transmitting the order information to the fund demander node;
the card picking module is used for picking the bills by the fund supply side node;
the contract signing module is used for signing the bill acceptance contract on the block chain by the fund demand side node and the fund supply side node and carrying out whole-network broadcasting;
and the transfer module is used for carrying out transfer transaction between the fund supply demand side node and the fund supply side node, and recording the transfer result on the block chain after the transfer result is confirmed by Hash signatures of the two side nodes.
In addition, the present invention also provides an apparatus comprising a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method by calling the computer program stored in the memory.
In addition, the invention also provides a computer readable storage medium for storing a computer program for carrying out bill financing based on the intelligent matching platform, wherein the computer program executes the steps of the method when running on a computer.
The invention has the following effects:
the bill financing method based on the intelligent matching platform completely publishes the information on the whole bill industry chain through the block chain, and through multiple confirmation of enterprises, banks and the like, the authenticity problems of trade backgrounds and data such as forged contracts, transactions and the like are solved by utilizing the distributed accounting technology of the block chain and the characteristic that data cannot be falsified, the authenticity and the validity of the information are ensured, and meanwhile, the occurrence of operation risks caused by the fact that the banks manually check contract files improperly is also reduced. In addition, the flexibility of the bills is improved through a splitting and integrating algorithm and a matching algorithm in the intelligent matching platform, so that not only are the bill holders enabled, but also the whole bill market can reasonably allocate the bills, the bill acceptance speed is accelerated, a fund demand party (the bill holders) can be quickly helped to find a fund supply party (the acceptors), the information asymmetry condition is reduced, the financing efficiency of medium and small enterprises is accelerated, and the financing cost is reduced. In addition, in the process of verifying the note discount, the labor cost and the time cost of a fund supplier (a receiver) are saved, so that the note financing process is more intelligent, quicker and safer, and the occurrence of the manual operation risk is reduced. Meanwhile, the discount rate and the pledge cost of a fund demander (a ticket holder) are saved, and the settlement cost and the potential compliance risk of the fund demander are reduced. According to the bill financing method based on the intelligent matching platform, the blockchain technology and the intelligent matching platform are combined, the advantages of electronization, detachability and matching of bills are integrated, and the method realizes mutual benefit coexistence of a fund demander, a fund supplier and a commodity supply chain in a bill market, and realizes a win-win situation.
In addition, the intelligent matching platform-based bill financing system, the intelligent matching platform-based bill financing equipment and the computer-readable storage medium have the advantages.
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 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 conventional ticket financing business process.
Fig. 2 is a flow chart diagram of a bill financing method based on an intelligent matching platform according to the preferred embodiment of the invention.
Fig. 3 is a schematic diagram of bill splitting and matching in the preferred embodiment of the invention.
FIG. 4 is a schematic logic flow diagram for performing note matching in the preferred embodiment of the present invention.
Fig. 5 is a schematic block diagram of a bill financing system based on an intelligent matching platform according to another embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
As shown in fig. 2, a preferred embodiment of the present invention provides a method for financing bills based on an intelligent matching platform, which includes the following steps:
step S1: the fund demand side node and the fund supply side node perform identity registration, and record the identity registration to the block chain after the identity registration is successful;
step S2: the fund demander node marks the bill information into a bill pool of the intelligent matching platform node;
step S3: the intelligent matching platform node splits and integrates the bills listed by the capital demander nodes;
step S4: the intelligent matching platform node performs intelligent matching according to the split and integrated new tickets, generates order information according to matching results and transmits the order information to the fund demander node;
step S5: after matching is successful, the fund supplier node picks the bill and carries out Hash signature by using a private key;
step S6: the fund demand side node and the fund supply side node sign a bill acceptance contract on the block chain and perform whole network broadcasting;
step S7: and (4) performing transfer transaction between the fund demand side node and the fund supply side node, and recording a transfer result on the block chain after the transfer result is confirmed by Hash signatures of the two side nodes.
It can be understood that the network main bodies involved in the intelligent matching platform-based bill financing method of the preferred embodiment are as follows:
(1) oracle node (prophetic machine): 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 the information about the network main body on the block chain, thereby realizing the dynamic acquisition of the information;
(2) fund demander node: also known as a seller enterprise, or a ticket holder. Selling goods, holding commercial acceptance draft or bank acceptance draft (collectively called as bill), and applying for the bill to be presented to obtain fund support when fund transfer is needed;
(3) the fund provider node: also called buyer enterprise, or contractor. The financial institutions can be banks or other financial institutions or companies, and the financial institutions or the companies are funds in the bill market for providing people and are institutions for realizing bill posting;
(4) platform node is matchd to intelligence: the system is an intelligent matching platform for commercial drafts, a fund demander can release bill information at any time by depending on the platform, the platform can split bills according to market demands, 1 to 1 mode under the line is changed into 1 to N, N modes or N to N modes on the line, the modes are flexibly split, intelligently matched, bargained immediately and circulated at any time, the information asymmetry is reduced by matching the fund demander and a fund supplier, the settlement cost and the financing cost are reduced, the high-efficiency financing of funds is realized, and the trading efficiency of the bill circulation demander and the fund circulation demander is rapidly increased;
(5) and (4) bill pool nodes: the fund demander uploads the bills in hands to the online from the offline, and in the process, the related information such as the amount, the period, the interest rate and the like of the bills needs to be uploaded, and a plurality of bills are gathered on one node, so that the bill pool is called;
(6) sub-bill pool node: the intelligent matching platform node is used for splitting the bills to form sub-bills, and the sub-bills are stored in the node, so that the intelligent matching platform node is called as a sub-bill pool and can also be called as a new bill pool;
(7) intelligent financing contract node: the fund supply and demand parties reach an agreement about the bill amount, interest rate, term and the like, and sign a computer agreement of a fund transfer contract, and the trading contract can be traced and can not be reversed after being signed, and the credible trading is allowed to be carried out without a third party.
(8) Block node: each transaction contract is recorded in a log in the form of data, and a plurality of transactions form a block, and when one block is full, the transactions are transmitted to the next block, and the blocks are linked to form an industry chain related to the financing contract of the bill.
It can be understood that the bill financing method based on the intelligent matching platform of the embodiment completely publishes the information on the whole bill industry chain through the block chain, and through multiple confirmation of enterprises, banks and the like, the authenticity problems of trade backgrounds and data such as forged contracts, transactions and the like are solved by utilizing the distributed accounting book technology of the block chain and the characteristic that data cannot be tampered, the authenticity and the validity of the information are ensured, and meanwhile, the occurrence of operation risks caused by the fact that the banks manually check contract files are incorrect is also reduced. In addition, the flexibility of the bills is improved through a splitting and integrating algorithm and a matching algorithm in the intelligent matching platform, so that not only are the bill holders enabled, but also the whole bill market can reasonably allocate the bills, the bill acceptance speed is accelerated, a fund demand party (the bill holders) can be quickly helped to find a fund supply party (the acceptors), the information asymmetry condition is reduced, the financing efficiency of medium and small enterprises is accelerated, and the financing cost is reduced. In addition, in the process of verifying the note discount, the labor cost and the time cost of a fund supplier (a receiver) are saved, so that the note financing process is more intelligent, quicker and safer, and the occurrence of the manual operation risk is reduced. Meanwhile, the discount rate and the pledge cost of a fund demander (a ticket holder) are saved, and the settlement cost and the potential compliance risk of the fund demander are reduced. According to the bill financing method based on the intelligent matching platform, the blockchain technology and the intelligent matching platform are combined, the advantages of electronization, detachability and matching of bills are integrated, and the method realizes mutual benefit coexistence of a fund demander, a fund supplier and a commodity supply chain in a bill market, and realizes a win-win situation.
It can be understood that step S1 specifically includes:
and uploading a request of enterprise management information such as enterprise name, legal person, tax number and the like to the Oracle node by the fund demand side node and the fund supply side node, and carrying out Hash signature on the request by using own private keys. After receiving the requests of the fund demand side node and the fund supplier node, the Oracle node firstly verifies the requests, determines that the requests are sent by the fund demand side node or the fund supplier node, carries out Hash signature on enterprise operation information of the fund demand side node or the fund supplier node by using a private key of the Oracle node or the fund supplier node, and records the Hash signature on a block chain, thereby completing identity registration of the fund demand side node and the fund supplier node. After the identity registration is completed, the fund demand side node and the fund supply side node have the authority to participate in the block chain for transaction.
In step S2, the fund demander node sends a request for uploading the bill information such as the type of each bill, the acceptance mechanism, the drawer, the date of drawing the bill, the amount of the bill, the discount rate, and the discount deadline to the Oracle node, and posts the bill information to the bill pool of the intelligent matching platform. After receiving the request, the Oracle node firstly verifies the request, and after determining that the request is sent by the fund demander node, records the bill information uploaded by the fund demander node on the block chain after carrying out Hash signature on the bill information by using a private key.
In the step S3, the intelligent matching platform node splits and integrates the tickets listed by the fund demander node to enhance flexibility of the tickets, so as to help the fund demander node to find out the matched fund demander node quickly, and speed up financing efficiency. As shown in fig. 3, the splitting and integrating the ticket in step S3 includes the following three cases:
the first case is "complete splitting zero", i.e. splitting a large note into several small notes, and recording the small notes as new notes. The intelligent matching platform divides the original bill into a small-amount bill with the denomination of 300 ten thousand yuan and two small-amount bills with the denomination of 100 ten thousand yuan according to market demands; the other is to directly change the standard bill with the denomination of 1 according to the sum of the bills, for example, two bills are provided, the sum is 100 ten thousand yuan and 50 ten thousand yuan, at this time, the options provided by the fund supplier are 54 ten thousand yuan, 56 ten thousand yuan and 40 ten thousand yuan, the intelligent matching platform firstly splits the two bills into 100 ten thousand bills and 50 ten thousand standard bills with the denomination of 1, and then matches the fund supplier.
The second case is "zero change", i.e. several small bills are integrated into one large bill, and the large bill is recorded as a new bill. The intelligent matching platform collects a plurality of bills with scattered money and short term in the same bill holder, and packages the bills into a large and tidy bill; and the other mode is that a plurality of ticket holders hold a plurality of scattered tickets, and the intelligent matching platform purposefully packs the scattered tickets into a plurality of large-amount tickets respectively according to market demands.
The third case is "standardization", that is, one or several bills are standardized to become a standardized bill which can be circulated in the market, and the standardized bill is recorded as a new bill. This method of splitting is somewhat similar to the second but differs in that the standardized operations are more of a standard for interbank market circulation and interbank endorsement transfer.
It can be understood that, as shown in fig. 4, the process of performing intelligent matching in step S4 specifically includes:
selecting a new bill from the sub-bill pool, subtracting the amount of the new bill and the subsidy amount given by the plurality of fund provider nodes one by one, screening out the minimum absolute value in the plurality of difference values, and finding out the fund demander node and the fund provider node corresponding to the minimum absolute value to match.
After the bills are successfully split and integrated, the intelligent matching platform matches the bills with the new bill sum closest to the given sum of the fund supplier according to market demands and according to the principle of price priority, and sends order information to the fund demander. And the fund supply and demand parties carry out discussion on the specific information of the order, if the matching result is agreed, the trade contract of the intelligent matching platform node is achieved, and finally the information is recorded on the block chain.
It can be understood that step S6 specifically includes:
the fund demand side node deploys a request of a bill acceptance contract on a block chain, carries out Hash signature confirmation by using a private key, then encrypts and sends the request to the fund supply side node, after receiving the encrypted file, the fund supply side node firstly verifies the encrypted file, confirms that the request is sent by the fund demand side node, and carries out Hash signature confirmation by using the private key after the verification passes. After the two parties confirm the Hash signatures, the bill acceptance contract is deployed successfully, and at the moment, the bill acceptance contract is broadcasted in the whole network and recorded on a block chain.
It can be understood that step S7 specifically includes:
and the fund supplier node remits money to the account of the fund demand side node in a token transfer mode, performs Hash signature on the transfer record, performs Hash signature confirmation on the transfer record after receiving the remittance, performs whole network broadcasting at the moment, and records the transfer record on the block chain. At this point, the transaction is complete.
In addition, as shown in fig. 5, another embodiment of the present invention further provides a bill financing system based on an intelligent matching platform, and preferably adopts the bill financing method of the above embodiment, and the system includes
The identity registration module is used for carrying out identity registration on the fund supply demand side node and the fund supplier node and recording the successful registration result to the block chain;
the listing module is used for listing the bill information to a bill pool of the intelligent matching platform node by the fund supply demander node;
the intelligent matching platform is used for splitting and integrating the tickets listed by the fund demander node, intelligently matching the split and integrated new tickets and generating order information according to matching results and transmitting the order information to the fund demander node;
the card picking module is used for picking the bills by the fund supply side node;
the contract signing module is used for signing the bill acceptance contract on the block chain by the fund demand side node and the fund supply side node and carrying out whole-network broadcasting;
and the transfer module is used for carrying out transfer transaction between the fund supply demand side node and the fund supply side node, and recording the transfer result on the block chain after the transfer result is confirmed by Hash signatures of the two side nodes.
It can be understood that each module in the system of this embodiment corresponds to each step of the above embodiment, and therefore the working process of each module is not described herein again.
It can be understood that the bill financing system based on the intelligent matching platform of the embodiment completely publishes the information on the whole bill industry chain on the chain through the block chain, and through multiple confirmation of enterprises, banks and the like, the authenticity problems of trade backgrounds and data such as forged contracts, transactions and the like are solved by utilizing the distributed accounting book technology of the block chain and the characteristic that data cannot be falsified, the authenticity and the validity of the information are ensured, and meanwhile, the occurrence of operation risks caused by the fact that the banks manually check contract files improperly is also reduced. In addition, the flexibility of the bills is improved through a splitting and integrating algorithm and a matching algorithm in the intelligent matching platform, so that not only are the bill holders enabled, but also the whole bill market can reasonably allocate the bills, the bill acceptance speed is accelerated, a fund demand party (the bill holders) can be quickly helped to find a fund supply party (the acceptors), the information asymmetry condition is reduced, the financing efficiency of medium and small enterprises is accelerated, and the financing cost is reduced. In addition, in the process of verifying the note discount, the labor cost and the time cost of a fund supplier (a receiver) are saved, so that the note financing process is more intelligent, quicker and safer, and the occurrence of the manual operation risk is reduced. Meanwhile, the discount rate and the pledge cost of a fund demander (a ticket holder) are saved, and the settlement cost and the potential compliance risk of the fund demander are reduced. According to the bill financing method based on the intelligent matching platform, the blockchain technology and the intelligent matching platform are combined, the advantages of electronization, detachability and matching of bills are integrated, and the method realizes mutual benefit coexistence of a fund demander, a fund supplier and a commodity supply chain in a bill market, and realizes a win-win situation.
In addition, the present invention also provides an apparatus comprising a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method by calling the computer program stored in the memory.
In addition, the invention also provides a computer readable storage medium for storing a computer program for carrying out bill financing based on the intelligent matching platform, wherein the computer program executes the steps of the method when running on a computer.
The general form of computer readable media includes: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any of its magnetic media, CD-ROM, any of the other optical media, punch cards (punch cards), paper tape (paper tape), any of the other physical media with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any of the other memory chips or cartridges, or any of the other media from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.
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 bill financing method based on an intelligent matching platform is characterized by comprising the following steps:
step S1: the fund demand side node and the fund supply side node perform identity registration, and record the identity registration to the block chain after the identity registration is successful;
step S2: the fund demander node marks the bill information into a bill pool of the intelligent matching platform node;
step S3: the intelligent matching platform node splits and integrates the bills listed by the capital demander nodes;
step S4: the intelligent matching platform node performs intelligent matching according to the split and integrated new tickets, generates order information according to matching results and transmits the order information to the fund demander node;
step S5: after matching is successful, the fund supplier node picks the bill and carries out Hash signature by using a private key;
step S6: the fund demand side node and the fund supply side node sign a bill acceptance contract on the block chain and perform whole network broadcasting;
step S7: and (4) performing transfer transaction between the fund demand side node and the fund supply side node, and recording a transfer result on the block chain after the transfer result is confirmed by Hash signatures of the two side nodes.
2. The intelligent matchmaking platform based bill financing method of claim 1,
the splitting and integrating of the ticket in the step S3 includes the following steps:
splitting a large-amount bill into at least two small-amount bills; or integrating a plurality of small-amount bills into at least one large-amount bill; or, the bill is subjected to standardized operation and is converted into a standardized bill convenient for market circulation.
3. The intelligent matchmaking platform based bill financing method of claim 2,
the process of splitting one large bill into at least two small bills comprises the following steps:
splitting according to the amount provided by the fund supplier, or directly converting into multiple reference bills with the denomination of 1 according to the bill amount.
4. The intelligent matchmaking platform based bill financing method of claim 1,
the process of performing intelligent matching in the step S4 specifically includes:
selecting a new bill from the sub-bill pool, subtracting the amount of the new bill and the subsidy amount given by the plurality of fund provider nodes one by one, screening out the minimum absolute value in the plurality of difference values, and finding out the fund demander node and the fund provider node corresponding to the minimum absolute value to match.
5. The intelligent matchmaking platform based bill financing method of claim 1,
the step S6 specifically includes:
the fund demand side node deploys a request of a bill acceptance contract on a block chain, carries out Hash signature confirmation by using a private key, then encrypts and sends the request to the fund supply side node, after receiving the encrypted file, the fund supply side node firstly verifies the encrypted file, confirms that the request is sent by the fund demand side node, and carries out Hash signature confirmation by using the private key after the verification passes.
6. The intelligent matchmaking platform based bill financing method of claim 1,
the step S7 specifically includes:
and the fund supplier node remits money to the account of the fund demand side node in a token transfer mode, Hash signature is carried out on the transfer record, the fund demand side node receives the remittance and then carries out Hash signature confirmation on the transfer record, and the transfer record is recorded on the block chain.
7. The intelligent matchmaking platform based bill financing method of claim 1,
the step S1 specifically includes:
and uploading enterprise operation information to the Oracle node by the fund demand side node and the fund supply side node, carrying out Hash signature by using a private key, carrying out Hash signature confirmation after the verification of the Oracle node, and recording the Hash signature confirmation to the block chain.
8. A bill financing system based on an intelligent matching platform is characterized by comprising
The identity registration module is used for carrying out identity registration on the fund supply demand side node and the fund supplier node and recording the successful registration result to the block chain;
the listing module is used for listing the bill information to a bill pool of the intelligent matching platform node by the fund supply demander node;
the intelligent matching platform is used for splitting and integrating the tickets listed by the fund demander node, intelligently matching the split and integrated new tickets and generating order information according to matching results and transmitting the order information to the fund demander node;
the card picking module is used for picking the bills by the fund supply side node;
the contract signing module is used for signing the bill acceptance contract on the block chain by the fund demand side node and the fund supply side node and carrying out whole-network broadcasting;
and the transfer module is used for carrying out transfer transaction between the fund supply demand side node and the fund supply side node, and recording the transfer result on the block chain after the transfer result is confirmed by Hash signatures of the two side nodes.
9. An apparatus comprising a processor and a memory, the memory having stored therein a computer program, the processor being configured to perform the steps of the method of any one of claims 1 to 7 by invoking the computer program stored in the memory.
10. A computer-readable storage medium for storing a computer program for financing a ticket based on an intelligent matching platform, characterized in that the computer program performs the steps of the method according to any one of claims 1 to 7 when running on a computer.
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