CN115375464A - Financing authorization method, system, computer device and readable storage medium - Google Patents
Financing authorization method, system, computer device and readable storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention provides a financing credit granting method, a financing credit granting system, computer equipment and a readable storage medium, wherein the financing credit granting method comprises the following steps: the loan bank initiates a collection and payment pipelining statistic task for each account opening bank on the block chain; each account opening bank performs homomorphic encryption on the first receiving and paying pipelining of the corresponding enterprise to obtain corresponding first receiving and paying pipelining ciphertexts; the block chain performs homomorphic addition on the first receiving and paying flow ciphertext of the enterprise returned by each account opening bank to obtain a first common receiving and paying flow ciphertext of the enterprise; and the loan bank receives and decrypts the first common receiving and paying flow ciphertext to obtain the first common receiving and paying flow of the enterprise so as to credit the enterprise. By the method and the system, data of enterprises and various institutions cannot be leaked, information safety is guaranteed, and loan banks can give credit to the enterprises according to the first common balance of income and expenditure on the premise that the enterprise fund flow data is not exported from a warehouse.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a financing trust method, a financing trust system, a computer device, and a readable storage medium.
Background
The receivable financing means that the enterprise transfers the self receivable to the bank and applies for loan, the credit amount of the bank is generally 50% -90% of the face value of the receivable, and after the enterprise transfers the receivable to the bank, the enterprise sends a transfer notice to the buyer and requires the buyer to pay to the financing bank.
At present, the traditional supply chain mode needs to provide a large amount of enterprise transaction information to financial institutions such as banks, and enterprises worry that the information can be leaked by the financial institutions, so that business secrets are known by competitors; meanwhile, in the traditional supply chain mode, the financial institution needs to perform information interaction with core enterprises and upstream and downstream enterprises for many times, and the process is long, so that the whole application time is long, and the enterprises needing financing cannot acquire funds quickly.
Disclosure of Invention
In view of the above, it is an object of the present invention to provide a financing authorization method, system, computer device and readable storage medium, so as to solve the above-mentioned deficiencies in the prior art.
In order to achieve the above object, the present invention provides a method for financing credit, which comprises:
the method comprises the steps that an enterprise sends loan application materials to a block chain, wherein the loan application materials comprise enterprise streamline inquiry authorization books, and the enterprise streamline inquiry authorization books are used for authorizing loan banks to inquire first income and expense streamers of the enterprise in different opening banks with enterprise accounts;
the loan bank initiates a receiving and paying pipelining statistic task to each account opening bank through an intelligent contract on the block chain;
each account opening bank performs homomorphic encryption on the corresponding first receiving and paying flow of the enterprise to obtain a corresponding first receiving and paying flow ciphertext, and returns the first receiving and paying flow ciphertext to the block chain;
the block chain performs homomorphic addition on the first income and expenditure flow ciphertext of the enterprise returned by each account opening bank through the intelligent contract to obtain a first common income and expenditure flow ciphertext of the enterprise;
and the loan bank receives the first common receiving and paying flow ciphertext acquired from the block chain, decrypts the first common receiving and paying flow ciphertext to acquire a first common receiving and paying flow of the enterprise, and trusts the enterprise according to the first common receiving and paying flow.
In some embodiments, the homomorphic adding, by the blockchain, the first balance flow ciphertext of the enterprise returned by each of the banks that open an account via the intelligent contract comprises:
the block chain receives a first balance and expenditure running water cipher text of the enterprise returned by the bank of opening an account through the intelligent contract;
the intelligent contract calls a precompiled contract of a paillier library to perform homomorphic addition on each first balance flow ciphertext;
the function expression of homomorphic addition of each of the first receive-and-branch pipeline ciphertexts is as follows:
wherein C is the first common receive-and-branch pipeline ciphertext;
respectively representing first receiving and paying running ciphertext of different banks; n is a component of the public key.
In some embodiments, after the enterprise is trusted according to the first common receival flow, the method further includes:
each account opening bank performs homomorphic encryption on the second receiving and paying flow in the preset time range of the enterprise in a business layer to obtain a second receiving and paying flow ciphertext of each account opening bank, and the second receiving and paying flow ciphertext of each account opening bank is returned to the block chain;
the intelligent contracts on the block chains perform homomorphic addition on the second receiving and paying flow ciphertext returned by each account opening bank so as to count the second common receiving and paying flow ciphertext of the enterprise within the preset time range;
decrypting the second common receiving and paying streamline cipher text of the loan bank behavior to obtain a second common receiving and paying streamline of the enterprise within the preset time range;
and judging the management operation after the enterprise loan according to the second common balance.
In some embodiments, determining the post-loan administration action for the enterprise based on the second common payoff line comprises:
when the second common collection and payment streamline meets a repayment threshold and the enterprise has overdue unpaid behavior, the block chain initiates online collection urging to the enterprise;
and when the second common receiving and paying streamline does not meet the repayment threshold and the enterprise has overdue unpaid behavior, the loan bank carries out offline collection on the enterprise.
In some embodiments, the first common revenue and expenditure flow comprises balances, economic efficiency analysis, tax information, and liability information of the enterprise, and the step of crediting the enterprise according to the first common revenue and expenditure flow comprises:
comprehensively scoring the balance of the first common income and expense running water, the enterprise economic efficiency analysis, the enterprise tax information and the liability information to obtain a comprehensive scoring value;
and performing credit loan on the enterprise according to the comprehensive scoring value, and determining the credit loan amount.
In some embodiments, the overall score value is calculated as follows:
wherein Q is the integrated value of the credit of the enterprise,
respectively, are the weight coefficients of the image data,
and analyzing the credit values of the enterprise tax information and the liability information for the first common income and expenditure running water balance and the enterprise economic benefit respectively.
In order to achieve the above object, the present invention further provides a financing trust system, which comprises:
the system comprises a sending module, a block chain and a block processing module, wherein the sending module is used for sending loan application materials to the block chain by an enterprise, the loan application materials comprise enterprise pipelining query authorization books, and the enterprise pipelining query authorization books are used for authorizing loan banks to query first receiving and paying pipelining of the enterprise in different issuing banks which open enterprise accounts;
the initiating module is used for initiating a receiving and paying streamline statistic task to each account opening bank through an intelligent contract on the block chain by the loan bank;
the first returning module is used for performing homomorphic encryption on the corresponding first receiving and distributing flow line of the enterprise by each account opening bank to obtain a corresponding first receiving and distributing flow line ciphertext and returning the first receiving and distributing flow line ciphertext to the block chain;
a first obtaining module, configured to perform homomorphic addition on the first revenue and expenditure streamline ciphertexts of the enterprise, which are returned by each account opening bank, by the block chain through the intelligent contract to obtain a first common revenue and expenditure streamline ciphertext of the enterprise;
and the credit granting module is used for receiving the first common receiving and paying flow ciphertext acquired from the block chain by the loan bank, decrypting the first common receiving and paying flow ciphertext to acquire a first common receiving and paying flow of the enterprise, and granting credit to the enterprise according to the first common receiving and paying flow.
In some embodiments, the first obtaining module comprises:
a receiving unit, configured to receive, by the blockchain, a first revenue and expenditure streamline ciphertext of the enterprise returned by the account opening bank through the intelligent contract;
a statistical unit, which is used for the intelligent contract to call the precompiled contract of the paillier library to carry out homomorphic addition on each first receiving and dispatching flow ciphertext,
the function expression of homomorphic addition of each of the first receive-and-branch pipeline ciphertexts is as follows:
wherein C is the first common receive-and-branch pipeline ciphertext;
respectively representing first receiving and payment flow ciphertext of different account opening banks; n is a component of the public key.
To achieve the above object, the present invention further provides a computer device, which includes a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the financing trust method as described in any one of the above when executing the computer program.
To achieve the above object, the present invention also provides a readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method of financing credit as described in any one of the above.
The invention provides a financing and crediting method, a financing and crediting system, a computer device and a readable storage medium, wherein an enterprise is connected with each organization such as a loan bank through a block chain to carry out information interaction, the enterprise can chain financing loan application materials for each organization to be used by each organization, so that information is shared safely, meanwhile, the characteristics of strict block chain identity verification and high node admission safety degree are utilized, the data of the enterprise and each organization cannot be leaked out on the block chain, and the safety of information on the chain is ensured.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
FIG. 1 is a flow chart of a financing method according to a first embodiment of the present invention;
FIG. 2 is a block diagram of a financing system according to a second embodiment of the present invention;
fig. 3 is a hardware configuration diagram of a computer device according to a third embodiment of the present invention.
The following detailed description will further illustrate the invention in conjunction with the above-described figures.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more clearly understood, the present application is described and illustrated below with reference to the accompanying drawings and embodiments. 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. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments provided in the present application without any inventive step are within the scope of protection of the present application.
It is obvious that the drawings in the following description are only examples or embodiments of the application, and that it is also possible for a person skilled in the art to apply the application to other similar contexts on the basis of these drawings without inventive effort. Moreover, it should be appreciated that in the development of any such actual implementation, as in any engineering or design project, numerous implementation-specific decisions must be made to achieve the developers' specific goals, such as compliance with system-related and business-related constraints, which may vary from one implementation to another.
Reference in the specification to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the specification. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is to be expressly and implicitly understood by one of ordinary skill in the art that the embodiments described herein may be combined with other embodiments without conflict.
Unless defined otherwise, technical or scientific terms referred to herein shall have the ordinary meaning as understood by those of ordinary skill in the art to which this application belongs. Reference to "a," "an," "the," and similar words throughout this application are not to be construed as limiting in number, and may refer to the singular or the plural. The use of the terms "including," "comprising," "having," and any variations thereof herein, is meant to cover a non-exclusive inclusion; for example, a process, method, system, article, or apparatus that comprises a list of steps or modules (elements) is not limited to only those steps or elements but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus. Reference to "connected," "coupled," and the like in this application is not intended to be limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. The term "plurality" as referred to herein means two or more. "and/or" describes an association relationship of associated objects, meaning that three relationships may exist, for example, "A and/or B" may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. Reference herein to the terms "first," "second," "third," and the like, are merely to distinguish similar objects and do not denote a particular ordering for the objects.
Referring to fig. 1, a financing and credit granting method according to a first embodiment of the present invention is provided, where the method builds an account receivable and financing platform between financial institutions and enterprises based on characteristics of decentralization, uniqueness, traceability and non-falsification of a blockchain, and breaks a data island between each financial institution and an enterprise, so as to implement secure sharing of data between the financial institutions and the enterprise by using the blockchain as a carrier, and meanwhile, by using a homomorphic encryption manner, on the premise of guaranteeing the fund privacy of the enterprise, the financial institutions are allowed to accurately master the fund flow of the enterprise, thereby granting credit and being able to master the repayment capability of the enterprise in real time, and ensuring that the enterprise can repay on time. As shown in fig. 1, the method of financing credit comprises the following steps:
step S101, an enterprise sends loan application materials to a block chain, wherein the loan application materials comprise enterprise streamline inquiry authorization books, and the enterprise streamline inquiry authorization books are used for authorizing loan banks to inquire first income and expenditure streamlines of the enterprise in different account-opening banks which open enterprise accounts;
the block chain can initiate the collection and payment flow report query of the enterprise to each account bank according to the enterprise flow query authorization book, and query a first collection and payment flow of the enterprise in each account bank by using a preset enterprise organization code.
Step S102, the loan bank initiates a collection and payment flow statistic task to each account opening bank through an intelligent contract on the block chain;
the first income and expenditure flow of the enterprise comprises account opening information of the enterprise, daily average/flow ratio analysis (comparison of common and daily average deposits), balance of the first income and expenditure flow, stable analysis of enterprise fund flow, inflow analysis of enterprise funds, outflow analysis of enterprise funds and economic benefit analysis, the first income and expenditure flow is used as a main index for credit granting and loan amount judgment, and enterprise tax information acquired from a tax institution by a bank is additionally combined to be used as an auxiliary judgment index for comprehensive judgment.
Step S103, each account opening bank performs homomorphic encryption on the corresponding first receiving and paying flow of the enterprise to obtain a corresponding first receiving and paying flow ciphertext, and the first receiving and paying flow ciphertext is returned to the block chain;
and the service layer of each account opening bank calls a pailler library to encrypt the original data of the first receiving and paying flow corresponding to the enterprise to obtain a corresponding first receiving and paying flow ciphertext, and then calls the intelligent contract to send the corresponding first receiving and paying flow ciphertext to the block chain and perform homomorphic addition calculation.
It should be noted that, before the first receipting/paying flow ciphertext is obtained, an encryption key used for each issuing bank to encrypt the first receipting/paying flow and a decryption key used for the loan bank to decrypt the ciphertext calculated by the homomorphic addition need to be randomly generated, where the encryption key is a public key and is a key common to each issuing bank, and the decryption key is a private key and is a key unique to the loan bank.
Specifically, by randomly selecting two large prime numbers p and q, both p and q satisfy gcd (pq, (p-1) (q-1)) =1, and p and q are equal in length; defining a public key: (n, g) and private Key: (lambda, mu).
Wherein n = pq; λ = lcm (p-1, q-1), lcm representing the least common multiple, | n | being the bit length of n; then from n 2 Set of positive integers within a range
In which the integer g is randomly chosen, i.e.
Wherein Z is * Represents a positive integer set; defining an objective function L:
where x is an argument in the objective function L, and is defined for the calculation of μ
And calculate
Thus, the public key: (n, g), private key: (lambda, mu).
It will be appreciated that each bank opening an account can exchange the public key: (n, g) encrypting the corresponding first receiving and paying flow to obtain first receiving and paying flow ciphertexts of each bank of the account opening, and adding the first receiving and paying flow ciphertexts of each bank of the account opening through homomorphic addition to obtain a corresponding result, wherein the loan bank can use a private key to: (λ, μ) the result of homomorphic addition is decrypted, so that the loaning bank can obtain the summary result of the first receiving and paying flow of the enterprise in each of the issuing banks without knowing the corresponding first receiving and paying flow of the enterprise in each of the issuing banks.
The calculation formula of the first receiving and distributing pipeline ciphertext is as follows:
wherein c is the first receive-and-branch pipeline ciphertext; r is a random number, and r satisfies 0 or more and less than n, an
Belongs to the symbol as epsilon; m is the first receiving and dispatching flow, and other characters are the same as above, which are not described herein again.
Step S104, the block chain performs homomorphic addition on the first receiving and paying flow ciphertext of the enterprise returned by each account opening bank through the intelligent contract to obtain the first common receiving and paying flow ciphertext of the enterprise;
the intelligent contract carries out homomorphic addition on all the first receiving and paying flow ciphertexts by calling a paillier precompilation contract to calculate the first common receiving and paying flow ciphertexts of the enterprise, and it needs to be explained that the intelligent contract carries out homomorphic encryption on specific fields such as specific amounts in the first receiving and paying flow, and corresponding ciphertexts are used when counting the fields to ensure that data privacy is not leaked.
It should be noted that, a formula for performing homomorphic addition on the first common receive/branch pipeline ciphertext is as follows:
wherein C is the first common balanceRunning a water cipher text;
respectively representing first receiving and paying running ciphertext of different banks; other characters are the same as above, and are not described herein again.
And step S105, the loan bank receives the first common receiving and paying flow ciphertext obtained from the block chain, decrypts the first common receiving and paying flow ciphertext to obtain a first common receiving and paying flow of the enterprise, and grants the enterprise according to the first common receiving and paying flow.
The service layer of the loan bank can obtain the first common receiving and paying flow ciphertext calculated by the addition homomorphism in the intelligent contract and decrypt the first common receiving and paying flow ciphertext to obtain a plaintext of a calculation result, wherein the plaintext is a sum of balance of each first receiving and paying flow.
It should be noted that, the function expression for decrypting the first common receive/distribution pipeline ciphertext is as follows:
the characters in the above formula are the same as above, and are not described herein again.
Through the steps, the enterprise is connected with each mechanism such as a loan bank through the block chain to carry out information interaction, the enterprise can carry out chain connection on financed loan application materials and provide the financed loan application materials for each mechanism to use, so that information is safely shared, and meanwhile, the characteristics of strict verification of the block chain and high node admission safety degree are utilized, so that the data of the enterprise and each mechanism cannot be leaked on the block chain and the safety of information on the chain is ensured.
In some embodiments, the homomorphic adding, by the blockchain, the first balance flow ciphertext of the enterprise returned by each of the banks that open an account via the intelligent contract comprises:
the block chain receives a first balance and expenditure running water cipher text of the enterprise returned by the bank of opening an account through the intelligent contract;
each mechanism sends the encrypted ciphertext of the original data to the block chain, and the ciphertext can be sent to the block chain only by calling the intelligent contract, namely, the ciphertext is sent to the block chain by calling the intelligent contract.
And the intelligent contract calls a precompiled contract of a paillier library to perform homomorphic addition on each first balance flow ciphertext.
The block chain realizes a precompilation contract of a Paillier library, and the Paillier encryption algorithm is an addition homomorphic encryption algorithm based on the difficult problem of compound residue classes.
In some embodiments, after the enterprise is trusted according to the first common receival flow, the method further includes:
the second receiving and paying running water of each account opening bank is subjected to homomorphic encryption in a business layer within the preset time range of the enterprise to obtain a second receiving and paying running water cipher text of each account opening bank, and the second receiving and paying running water cipher text of each account opening bank is returned to the block chain;
and after homomorphic encryption is carried out on the balance of the enterprise in the last month by each account opening bank in a corresponding business layer to obtain a ciphertext, the ciphertext is spread to the block chain, so that the loan bank carries out post-loan monitoring on the enterprise.
The intelligent contracts on the block chains perform homomorphic addition on second receiving and paying flow ciphertexts returned by the account opening banks so as to count second common receiving and paying flow ciphertexts of the enterprises within the preset time range;
and the intelligent contract carries out homomorphic addition on the ciphertext returned by each account opening bank by calling a paillier pre-compiling contract so as to count the total balance of the enterprise in the last month.
The loan bank behavior decrypts the second common receiving and paying pipelining cipher text to obtain a second common receiving and paying pipelining of the enterprise within the preset time range;
and the business layer of the loan bank obtains the calculation result after the homomorphic addition operation and decrypts the calculation result to obtain a plaintext of the calculation result, namely the total balance of the enterprise in a month, so that the loan bank can perform post-loan monitoring on the enterprise.
And judging the management operation after the enterprise loan according to the second common balance.
In some embodiments, determining the post-loan administration action for the enterprise based on the second common payoff line comprises:
when the second common receiving and paying streamline meets a repayment threshold and the enterprise has overdue unpaid behavior, the block chain initiates online collection to the enterprise;
the repayment threshold value is drawn up according to the credit loan amount and the turnover days of the accounts to be received, the block chain initiates online collection prompting information to the enterprise, namely, initiates means such as notification mail and notification telephone to the enterprise, lasts for three days, and when the enterprise is not yet repayed, offline collection prompting management is implemented.
And when the second common receiving and paying streamline does not meet the repayment threshold and the enterprise has overdue unpaid behavior, the loan bank carries out offline collection on the enterprise.
The loan bank carries out offline collection urging on the enterprise, the enterprise is visited through corresponding staff, collection urging reminding is carried out, the collection urging is continued for three days, and forced collection urging processing is carried out through legal means when the enterprise is still not paid.
In some embodiments, the first common revenue and expenditure circuitry includes balance of the first common revenue and expenditure circuitry of the enterprise, economic efficiency analysis of the enterprise, tax information of the enterprise, and liability information, and the step of crediting the enterprise according to the first common revenue and expenditure circuitry includes:
comprehensively scoring the first common balance, the enterprise economic benefit analysis, the enterprise tax information and the liability information to obtain a comprehensive scoring value;
wherein, the calculation formula of the comprehensive score value is as follows:
wherein Q is the integrated value of the credit of the enterprise,
respectively, are the weight coefficients of the image data,
and analyzing the credit values of the enterprise tax information and the liability information for the first common income and expenditure running water balance and the enterprise economic benefit respectively.
In the present embodiment, four indexes, namely, the first common balance, the enterprise economic benefit analysis, the enterprise tax information, and the liability information in the above formula, are used as main indexes to calculate an evaluation composite score, so as to credit the enterprise.
It should be noted that, the full score of the integrated score value is 100,
the sum of (1) and the determination mode of the credit value of the first common revenue and expenditure running water balanceSpecifically, the balance of the first common balance and branch flow is matched with a first preset rule, where the first preset rule includes 5 balance threshold ranges, each balance threshold range corresponds to a score, the scores corresponding to the 5 balance threshold ranges are arithmetic progression, and a tolerance between the scores corresponding to adjacent balance threshold ranges is 20.
That is to say, when the first common balance running water balance is within any balance threshold range in the first preset rule, the score value of the first common balance running water balance is the score value of the corresponding balance threshold range.
The enterprise economic benefit analysis comprises economic benefit data of the enterprise in 12 months, and the latest economic benefit of the enterprise is generally analyzed to obtain the enterprise economic benefit analysis, wherein the grade value of the enterprise economic benefit analysis is determined by fitting the economic benefit data in the enterprise economic benefit analysis to form a first curve relation, predicting the latest economic benefit data according to the first curve relation, when the predicted latest economic benefit data is greater than or equal to the economic benefit data of the adjacent month, the grade value of the enterprise economic benefit analysis is 100, and when the predicted latest economic benefit data is smaller than the economic benefit data of the adjacent month, the index of the enterprise economic benefit analysis is graded according to a second preset rule to obtain a corresponding grade value.
It should be noted that, the second preset rule specifically is to use the economic benefit data of the enterprise in the latest month as initial data, and decrease the predicted latest economic benefit data by 20 points every time the predicted latest economic benefit data is lower than a threshold gradient of the initial data.
The enterprise tax information comprises the enterprise tax rate and overdue tax payment times, wherein the value of credit of the enterprise tax information is determined to be evaluated mainly according to the overdue tax payment times, and specifically, every time the overdue tax payment times of the enterprise increase, the value of credit is deducted by 5, so that the value of credit of the enterprise tax information is determined.
The determination method of the credit value of the liability information specifically includes that the liability information is matched with a third preset rule, wherein the third preset rule comprises 5 preset threshold value ranges, each preset threshold value range corresponds to a score, the 5 scores corresponding to the preset threshold value ranges are in an arithmetic progression, and the tolerance between the scores corresponding to the preset threshold value ranges is 20.
That is to say, when the corporate liability data in the liability information reaches any preset threshold range in the third preset rule, the score of the liability information is the score corresponding to the preset threshold range.
And performing credit loan on the enterprise according to the comprehensive scoring value, and determining the credit loan amount.
The credit loan amount calculation formula is as follows:
wherein, b is the credit loan amount, s is the comprehensive credit value, a is the maximum credit loan amount of the enterprise, and m is a deduction amount.
The maximum credit line of the enterprise is determined according to the industry of the enterprise and the scale of the enterprise, and the deduction line is the currently existing credit line of the enterprise.
In some embodiments, the loan application material further comprises enterprise qualification information, enterprise principal certification information and place of business certification information, wherein the enterprise qualification information comprises business licenses, arrestment code certificates, tax registration and other related documents capable of certifying enterprise qualification, the enterprise principal certification information comprises identification of legal representatives of the enterprise or main principals of the enterprise, and the place of business certification information comprises title certificates or lease contracts of a factory building or office building, warehouse and the like.
Before the comprehensively scoring the first common balance, the enterprise economic benefit analysis, the enterprise fund flow stability analysis and the liability information, the method further includes:
verifying and auditing the enterprise qualification information, the enterprise leader certification information and the management place certification information;
and returning the loan application of the enterprise when any one of the enterprise qualification information, the enterprise supervisor certification information and the operating place certification information has an error prompt.
It should be noted that, after the loan application of the enterprise is returned, the enterprise may re-send the error content to the block chain after correcting the error content within a preset time limit, so that the loan bank performs the review again.
It should be noted that the steps illustrated in the above-described flow diagrams or in the flow diagrams 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 flow diagrams, in some cases, the steps illustrated or described may be performed in an order different than here.
A second embodiment of the present application further provides a financing trust system, which is used to implement the first embodiment and the preferred embodiment, and the description of the system is omitted for brevity. As used below, the terms "module," "unit," "sub-unit," and the like may implement a combination of software and/or hardware of predetermined functions. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 2 is a financing trust system according to a second embodiment of the present application, and as shown in fig. 2, the system includes:
the system comprises a sending module 100, a block chain and a block chain, wherein the sending module is used for sending loan application materials to a block chain by an enterprise, the loan application materials comprise enterprise pipelining query authorization books, and the enterprise pipelining query authorization books are used for authorizing loan banks to query a first receiving and paying pipelining of the enterprise in different issuing banks which open enterprise accounts;
the initiating module 200 is used for initiating a receiving and paying streamline statistic task to each account-opening bank by the loan bank through an intelligent contract on the block chain;
a first returning module 300, configured to perform homomorphic encryption on the first revenue and expenditure flow of the corresponding enterprise by each bank of the account opening to obtain a corresponding first revenue and expenditure flow ciphertext, and return the first revenue and expenditure flow ciphertext to the block chain;
a first obtaining module 400, configured to perform homomorphic addition on the first revenue and expenditure streamline cipher texts of the enterprise, which are returned by each account opening bank, by using the block chain through the intelligent contract, so as to obtain a first common revenue and expenditure streamline cipher text of the enterprise;
and the credit granting module 500 is configured to receive the first common receiving and paying flow ciphertext obtained from the block chain, decrypt the first common receiving and paying flow ciphertext to obtain a first common receiving and paying flow of the enterprise, and grant credit to the enterprise according to the first common receiving and paying flow.
Through the steps, the enterprise is connected with each mechanism such as a loan bank through the block chain to carry out information interaction, the enterprise can carry out chain connection on financed loan application materials and provide the financed loan application materials for each mechanism to use, so that information is safely shared, and meanwhile, the characteristics of strict verification of the block chain and high node admission safety degree are utilized, so that the data of the enterprise and each mechanism cannot be leaked on the block chain and the safety of information on the chain is ensured.
In some embodiments, the first obtaining module comprises:
a receiving unit, configured to receive, by the blockchain, a first receiving and paying running-water ciphertext of the enterprise returned by the bank that opens an account through the intelligent contract;
a statistic unit, which is used for the intelligent contract to call the precompiled contract of the paillier library to perform homomorphic addition on each first receiving and distributing flow ciphertext,
the function expression of homomorphic addition of each first receiving and distributing pipeline ciphertext is as follows:
wherein C is the first common receiving and dispatching pipeline ciphertext;
respectively representing first receiving and payment flow ciphertext of different account opening banks; n is a component of the public key.
In some embodiments, the first common reimbursement schedule includes balances of the first common reimbursement schedule for the enterprise, an enterprise economic efficiency analysis, an enterprise fund flow stability analysis, and enterprise tax information, and the credit granting module includes:
the scoring unit is used for comprehensively scoring the balance of the first common income and expenditure flow, the economic efficiency analysis of enterprises, the stable analysis of enterprise fund flows and the enterprise tax information to obtain a comprehensive scoring value;
and the credit granting unit is used for granting credit to the enterprise according to the comprehensive scoring value and determining the credit granting loan amount.
In some embodiments, the overall score value is calculated as follows:
wherein Q is the integrated value of the credit of the enterprise,
respectively, are the weight coefficients of the image data,
and analyzing the credit values of the enterprise tax information and the liability information for the balance of the first common income and expenditure liquidity and the economic benefit of the enterprise respectively.
In some embodiments, the loan application material further comprises enterprise qualification information, enterprise principal certification information, and business place certification information, and the system further comprises, before the scoring unit:
the checking unit is used for checking and verifying the enterprise qualification information, the enterprise responsible person certification information and the operating place certification information;
and the returning unit is used for returning the loan application of the enterprise when any one of the enterprise qualification information, the enterprise supervisor certification information and the operating place certification information has an error prompt.
In some embodiments, after the credit granting module, the system further includes:
the second returning module is used for performing homomorphic encryption on the second receiving and paying flow of the enterprise within the preset time range in a business layer by each account opening bank to obtain a second receiving and paying flow ciphertext of each account opening bank and returning the second receiving and paying flow ciphertext of each account opening bank to the block chain;
the statistical module is used for carrying out homomorphic addition on the second receiving and paying flow ciphertext returned by each bank of the account opening by the intelligent contract on the block chain so as to count the second common receiving and paying flow ciphertext of the enterprise within the preset time range;
the second obtaining module is used for decrypting the second common receival flow ciphertext of the loan bank behavior to obtain a second common receival flow of the enterprise within the preset time range;
and the management module is used for judging the management operation after the enterprise loan according to the second common receiving and paying running water balance.
In some of these embodiments, the management module comprises:
the first collection urging unit is used for initiating online collection urging to the enterprise by the block chain when the second common collection and payment streamline meets a repayment threshold and the enterprise has overdue unpaid behavior;
and the second collection urging unit is used for carrying out offline collection urging on the enterprise by the loan bank when the second common collection and payment streamline does not meet the repayment threshold and the enterprise has overdue unpaid behaviors.
The financing and credit granting system provided by the embodiment of the invention has the same implementation principle and the same technical effect as the method embodiment, and for the sake of brief description, the corresponding content in the method embodiment may be referred to where the device embodiment is not mentioned.
It should be noted that the above modules may be functional modules or program modules, and may be implemented by software or hardware. For a module implemented by hardware, the modules may be located in the same processor; or the modules can be respectively positioned in different processors in any combination.
In addition, the financing authorization method of the first embodiment of the present application described in connection with fig. 1 may be implemented by a computer device. Fig. 3 is a hardware structure diagram of a computer device according to an embodiment of the present application.
The computer device may include a processor 32 and a memory 33 storing computer program instructions.
Specifically, the processor 32 may include a Central Processing Unit (CPU), or A Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.
In some of these embodiments, the computer device may also include a communication interface 34 and a bus 31. As shown in fig. 3, the processor 32, the memory 33, and the communication interface 34 are connected via a bus 31 to complete communication therebetween.
The communication interface 34 is used for realizing communication among modules, devices, units and/or equipment in the embodiment of the present application. The communication interface 34 may also enable communication with other components such as: the data communication is carried out among external equipment, image/data acquisition equipment, a database, external storage, an image/data processing workstation and the like.
The bus 31 comprises hardware, software, or both coupling the components of the computer device to each other. Bus 31 includes, but is not limited to, at least one of the following: data Bus (Data Bus), address Bus (Address Bus), control Bus (Control Bus), expansion Bus (Expansion Bus), and Local Bus (Local Bus). By way of example and not limitation, bus 31 may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industry Standard Architecture (EISA) Bus, a Front-Side Bus (FSB), a Hyper Transport (HT) Interconnect, an ISA (ISA) Bus, an InfiniBand (InfiniBand) Interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a microchannel Architecture (MCA) Bus, a PCI (Peripheral Component Interconnect) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a vlslave Bus, a Video Bus, or a combination of two or more of these suitable electronic buses. Bus 31 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.
The computer device may execute the financing trust method in the embodiment of the present application based on the acquired computer program, thereby implementing the financing trust method described in conjunction with fig. 1.
In addition, in combination with the financing method in the foregoing embodiments, the embodiments of the present application may provide a readable storage medium to implement. The readable storage medium having stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the above-described embodiments of the financing method.
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is specific and detailed, but not to be understood as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.
Claims (10)
1. A method of financing credit, the method comprising:
sending loan application materials to a block chain by an enterprise, wherein the loan application materials comprise enterprise pipelining query authorization books which are used for authorizing loan banks to query a first balance flow of the enterprise in different issuing banks which open enterprise accounts;
the loan bank initiates a receiving and paying pipelining statistic task to each account opening bank through an intelligent contract on the block chain;
each account opening bank performs homomorphic encryption on the corresponding first receiving and paying flow of the enterprise to obtain a corresponding first receiving and paying flow ciphertext, and returns the first receiving and paying flow ciphertext to the block chain;
the block chain performs homomorphic addition on the first income and expenditure flow ciphertext of the enterprise returned by each account opening bank through the intelligent contract to obtain a first common income and expenditure flow ciphertext of the enterprise;
and the loan bank receives the first common receiving and paying flow ciphertext acquired from the block chain, decrypts the first common receiving and paying flow ciphertext to acquire a first common receiving and paying flow of the enterprise, and trusts the enterprise according to the first common receiving and paying flow.
2. A financing crediting method as defined in claim 1, wherein the step of homomorphically adding by the blockchain the first income and expense flow ciphertext of the business returned by each of the issuing banks via the intelligent contract comprises:
the block chain receives a first balance and expenditure running water cipher text of the enterprise returned by the bank of opening an account through the intelligent contract;
the intelligent contract calls a precompilation contract of a paillier library to perform homomorphic addition on each first receiving and paying flow ciphertext;
the function expression of homomorphic addition of each of the first receive-and-branch pipeline ciphertexts is as follows:
wherein C is the first common receive-and-branch pipeline ciphertext;
respectively representing first receiving and paying running ciphertext of different banks; n is a component of the public key.
3. A method of financing crediting according to claim 1, wherein after crediting the enterprise according to the first common revenue and expenditure stream, the method further comprises:
the second receiving and paying running water of each account opening bank is subjected to homomorphic encryption in a business layer within the preset time range of the enterprise to obtain a second receiving and paying running water cipher text of each account opening bank, and the second receiving and paying running water cipher text of each account opening bank is returned to the block chain;
the intelligent contracts on the block chains perform homomorphic addition on the second receiving and paying flow ciphertext returned by each account opening bank so as to count the second common receiving and paying flow ciphertext of the enterprise within the preset time range;
the loan bank behavior decrypts the second common receiving and paying pipelining cipher text to obtain a second common receiving and paying pipelining of the enterprise within the preset time range;
and judging the management operation after the enterprise loan according to the second common balance.
4. A financing credit granting method according to claim 3, wherein the step of determining post-loan administration operations for the enterprise based on the second common receival flow comprises:
when the second common receiving and paying streamline meets a repayment threshold and the enterprise has overdue unpaid behavior, the block chain initiates online collection to the enterprise;
and when the second common receiving and paying streamline does not meet the repayment threshold and the enterprise has overdue unpaid behavior, the loan bank carries out offline collection on the enterprise.
5. The financing crediting method of claim 1, wherein the first common revenue stream includes a first common revenue stream balance, an enterprise economic efficiency analysis, enterprise tax information, and liability information of the enterprise, and the step of crediting the enterprise according to the first common revenue stream includes:
comprehensively scoring the balance of the first common income and expense running water, the enterprise economic efficiency analysis, the enterprise tax information and the liability information to obtain a comprehensive scoring value;
and performing credit and loan on the enterprise according to the comprehensive scoring value, and determining the credit and loan amount.
6. A financing crediting method according to claim 5, wherein the calculation formula of the comprehensive credit value is as follows:
wherein Q is the integrated value of credit of the enterprise,
respectively, are the weight coefficients of the image data,
and analyzing the credit values of the enterprise tax information and the liability information for the first common income and expenditure running water balance and the enterprise economic benefit respectively.
7. A financing credit system, the system comprising:
the system comprises a sending module, a block chain and a block processing module, wherein the sending module is used for sending loan application materials to the block chain by an enterprise, the loan application materials comprise enterprise pipelining query authorization books, and the enterprise pipelining query authorization books are used for authorizing loan banks to query first receiving and paying pipelining of the enterprise in different issuing banks which open enterprise accounts;
the initiating module is used for initiating a receiving and paying streamline statistic task to each account opening bank through an intelligent contract on the block chain by the loan bank;
the first returning module is used for performing homomorphic encryption on the corresponding first receiving and distributing flow line of the enterprise by each account opening bank to obtain a corresponding first receiving and distributing flow line ciphertext and returning the first receiving and distributing flow line ciphertext to the block chain;
a first obtaining module, configured to perform homomorphic addition on the first revenue and expenditure streamline ciphertexts of the enterprise, which are returned by each account opening bank, by the block chain through the intelligent contract to obtain a first common revenue and expenditure streamline ciphertext of the enterprise;
and the credit granting module is used for receiving the first common receiving and paying flow ciphertext acquired from the block chain by the loan bank, decrypting the first common receiving and paying flow ciphertext to acquire a first common receiving and paying flow of the enterprise, and granting credit to the enterprise according to the first common receiving and paying flow.
8. A financing credit system according to claim 7, wherein the first derivation module comprises:
a receiving unit, configured to receive, by the blockchain, a first receiving and paying running-water ciphertext of the enterprise returned by the bank that opens an account through the intelligent contract;
a statistic unit, which is used for the intelligent contract to call the precompiled contract of the paillier library to perform homomorphic addition on each first receiving and distributing flow ciphertext,
the function expression of homomorphic addition of each of the first receive-and-branch pipeline ciphertexts is as follows:
wherein C is the first common receive-and-branch pipeline ciphertext;
respectively representing first receiving and paying running ciphertext of different banks; n is a component of the public key.
9. A computer apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the financing method as claimed in any one of claims 1 to 6 when the computer program is executed.
10. A readable storage medium on which a computer program is stored which, when executed by a processor, carries out the method of financing as claimed in any one of claims 1 to 6.
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