WO2020010926A1

WO2020010926A1 - Blockchain credit or digital certificate-based financing mode method

Info

Publication number: WO2020010926A1
Application number: PCT/CN2019/088170
Authority: WO
Inventors: 程玉亮
Original assignee: 山东小岛网络科技有限公司
Priority date: 2018-07-13
Filing date: 2019-05-23
Publication date: 2020-01-16
Also published as: CN109598610A; CN109191275A

Abstract

A blockchain credit or digital certificate-based financing mode method, comprising: firstly acquiring and combining information about a financing party to acquire industry data; then assessing the industry data; a risk management guarantee agency receiving a financing request application from a platform, performing offline inspection and assessment of the financing party, and determining whether the financing party meets a financing condition; if the financing party meets the financing request condition, signing a guarantee and insurance contract; the financing party paying related fees; the financing party being required to apply for a blockchain initial account, and then choosing, according to a requirement thereof, to trade by using a digital certificate or a credit, wherein a trading rule stipulates that the digital certificate or the credit is paid to a platform party, and then a supply party performs delivery; and after the financing party confirms successful reception, the digital certificate or the credit being transferred by the platform to the supply party for payment or receiving of credit . The invention combines a risk management guarantee agency (or a financial agency) and an advance payment fund or insurance, thereby reducing financial costs by means of "disintermediation", and improving efficiency.

Description

A financing mode method based on blockchain credit coins or digital deposit certificates

Technical field

The invention belongs to the field of financial financing, and specifically relates to a financing mode method based on a block chain credit coin or digital certificate.

Background technique

Small and medium-sized enterprises have difficulties in financing, expensive financing, and slow financing, and financial support for the real economy is still insufficient. The important reason behind this phenomenon is that there are still serious information asymmetries between financial institutions and physical enterprises, and the information that the real economy can provide is not enough to support financial investment decisions. It is difficult for financial institutions to accurately obtain the real operating information of real enterprises. The process of establishing trust between financial institutions and physical enterprises is tortuous, and the management cost and risk premium of credit to small, medium and micro enterprises are high. Therefore, it is necessary to establish a mechanism to ensure the accurate transmission of business information of the real industry to financial institutions, in order to promote finance to better serve the real economy and achieve realisation.

In the existing industrial ecological chain finance, credit sales have become the mainstream mode of B2B industry transactions. According to the Internet thinking, the process of "shattering" and "restructuring" of corporate financing forms is adopted to solve the "difficult financing, expensive financing, and automatic repair of risks" of SMEs The financing mode of many outstanding small and medium-sized enterprises has become an important factor restricting the development of the national economy.

The industrial ecological chain is a kind of management behavior between enterprises, the purpose of which is to realize the efficiency and benefits of enterprises. The current industrial chain has undergone profound changes in structure, processes, and factors, presenting new ecological features across industries, platforms, and industries. It is difficult for the traditional banking industry to control the funds of the entire process.

Summary of the invention

The invention provides a new financing mode method based on credit currency or digital certificate, which is used to solve the existing block chain technology due to the limitation of the industrial chain data comprehensive ability and the difficulty of mutual trust between enterprises, resulting in a low financing rate of the entire industrial chain and the industry The industrial chain cannot play its credit role, and at the same time, it also restricts technical issues such as the coordinated development of the industrial chain financial ecosystem.

The present invention is achieved through the following technical solutions:

A new financing mode method based on credit currency or digital depository finance includes the following steps:

Step 1: Collect and integrate financing party (or purchaser) information to obtain industry data;

Step 2: Combining the big data model and the risk control analysis model, perform rating model risk pricing on the industrial data and assess the risk control of the movable property pledge;

Step 3: The risk control guarantee institution (or financial institution) receives an application for financing needs from the financing party (or purchaser) from the platform, retrieves the analysis information of the financing party (or purchaser), and conducts the financing (or purchaser) analysis. Offline inspection and comprehensive assessment to determine whether it has the financing conditions;

Step 4: Meet the financing requirements, sign the corresponding digital deposit certificate guarantee contract (or paper guarantee contract), the financing party (or purchaser) pays the relevant costs, and the financing party (or purchaser) needs to apply for a blockchain initial Account, then choose to use digital certificate transactions or credit currency transactions according to their own needs, choose digital certificate transactions, the financing platform uses the hash algorithm combined with public and private key signature methods to generate a "note" after timestamping the consensus account based on the purchase information Contract "digital deposit certificate; choose credit currency transactions, risk control guarantee institutions (or financial institutions), financing platforms and insurance institutions, coordinate through the nodes of the alliance chain, use hash algorithms combined with public and private key signature methods to reach consensus accounts , Issue the same amount of credit coins generated by the blockchain technology alliance chain to the granted credit line enterprises, and calculate the deduction of interest expenses through smart contracts based on (supply and demand dynamic index interest rate) or (agreement interest rate) and credit digital currency account balance;

Step 5: According to the transaction mode selected by the financing party (or purchaser), the supplier can make the following processing methods:

I. Digital deposit transaction:

The supplier has the following three processing methods after receiving the digital deposit certificate of the bill contract:

1. The first smart contract that executes the blockchain program will transfer the company's capital account to the expiration date stipulated in the smart contract; if the corporate account has no funds, the company will be in a default swap; the second smart contract will be initiated by the advance compensation fund. Account transfers;

2. The digital contract of the bill contract can transfer the purchased goods;

3. Discount business of digital deposit of bill contract;

Second, credit currency transactions:

After receiving the credit, the supplier has the following three processing methods:

1. Deposit to the initial account opened to the blockchain, and the smart contract account that executes the blockchain program will calculate and pay the corresponding interest income according to the account balance and (supply and demand dynamic index interest rate) or (agreed interest rate) to calculate the corporate credit currency account allocation turn;

2. Credit coins can also be used to purchase purchased goods; as exchange equivalents for payments;

3. Credit currency and corresponding currency are used as equivalent exchange;

Step 6: The transaction rules stipulate that whether the digital certificate transaction or credit currency transaction is adopted, the digital contract of the bill contract or the credit currency should be paid to the platform party first, and the supplier will ship the product; the financing party (or the purchaser) ) After the receipt is confirmed without error, the digital contract of the bill contract or the credit currency is transferred from the platform to the supplier to pay or receive the credit currency.

As described above, a financing mode method based on blockchain credits or digital deposit certificates, the financing party (or purchaser) is an enterprise or an individual.

As described above, based on a blockchain credit coin or digital deposit financing method, the offline inspection and comprehensive assessment of the financing party (or purchaser) mentioned in step 3 mentioned above include warehouse receipt pledge.

As described above, based on the blockchain credit currency or digital deposit financing method, the issue of the digital deposit of the financing contract (or purchaser) bill contract will form each sub-blockchain record, which has the following characteristics :

1.1 Any one of the participating nodes calls the digital contract of the bill contract, and then uses an asymmetric encryption algorithm to encrypt the bill contract containing the transaction data and broadcasts it to other participating nodes in the blockchain network alliance. The consensus mechanism generates new blocks and writes them into the blockchain;

1.2. Make the risk control guarantee institution (or financial institution) and the platform node join and run the blockchain network, and the blockchain network assigns a pair of secret keys to the alliance nodes;

1.3 When any participating node calls the digital deposit certificate of the bill contract, an asymmetric encryption algorithm is used to encrypt the bill contract containing transaction data, so that only relevant parties can view it.

As mentioned above, a financing mode method based on a blockchain credit coin or digital certificate, the financing node (or purchaser) pays the supplier's blockchain node according to the credit currency to form each sub-block chain Records, which have the following characteristics:

1.1 When any participating node calls a credit, it uses an asymmetric encryption algorithm to encrypt the blockchain credit that contains transaction data and broadcasts it to other participating nodes in the blockchain network alliance. The consensus mechanism generates new blocks and writes them into the blockchain;

1.3 When any participating node calls credit, it uses an asymmetric encryption algorithm to encrypt the transaction credit, so that only relevant parties can view it.

As described above, a financing model method based on blockchain credits or digital deposits, the financing party (or purchaser) needs funds and needs to issue an application to the risk control guarantee institution (or financial institution) on the platform. The risk control guarantee institution (or financial institution) conducts comprehensive risk control assessment through offline and online big data risk control models, and determines whether to grant financing requirements. Those who meet the requirements for financing need to sign guarantee and insurance agreements and pay. Relevant expenses are purchased online through digital deposit transactions or credit currency transactions.

As mentioned above, based on the blockchain credit currency or digital deposit certificate financing method, the risk control and guarantee must be unified, and the responsibilities and rights reflected are highly unified. The purpose is to improve efficiency and avoid responsibilities. clear.

As mentioned above, a financing mode method based on blockchain credits or digital certificates of deposit, the advance compensation fund or insurance company is the last measure to prevent and control risks and ensure the safety of funds.

The advantages of the invention are:

1. The present invention can improve the production capacity and capital utilization rate of each node in the entire industrial chain, and provide risk control guarantee institutions (or financial institutions) with technical support for the entire process management of the industrial chain, while combining the use of risk control guarantee institutions (or financial institutions) First, the combination method of compensation fund or insurance should be carried out in advance to achieve the purpose of "de-intermediation" to reduce financing costs and improve efficiency;

2. The present invention uses a credit coin (or digital certificate) as a method of sending and receiving information. The most basic principle of a credit coin (or digital certificate) is to use the blockchain encryption technology (including Ethereum) to generate the generated credit. Currency assets to protect them from tampering; and the blockchain-based credit currency system is an emerging technology means. The application in the credit currency business means the enjoyment of the credit currency (or digital certificate) system. It is also superimposed with an unbreakable confidence guarantee, which greatly improves the thoroughness and security; the application to the field of industrial finance will greatly improve efficiency and reduce business transaction costs.

3. In the present invention, the financing party (or purchaser) can freely choose a digital certificate transaction or a credit currency transaction according to its own situation, which is convenient for the financing party (or purchaser) to conduct financing:

The advantages of using digital certificate transactions are: it can reduce the financial costs for buyers, and purchase materials or equipment required by the company through "digital certificate"; it can avoid the risk of receivables, improve the reliability of capital withdrawal, and supply After receiving the digital certificate, you can discount the funds if you need them;

The advantages of using credit currency transactions are: obtaining credits through credit granting, for buyers, they can purchase the required materials or equipment, and pay the balance interest on the account; suppliers can enjoy interest income or use them for repurchasing goods.

BRIEF DESCRIPTION OF THE DRAWINGS

In order to more clearly explain the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings in the following description These are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without paying creative labor.

FIG. 1 is a schematic flowchart of the present invention;

FIG. 2 is a schematic diagram of the relationship between the units in the digital certificate transaction in the present invention; FIG.

FIG. 3 is a schematic diagram of the interrelationship of units in a credit currency transaction in the present invention.

detailed description

In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part, but not all, of the embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

I. Digital deposit transaction:

2. The digital contract of the bill contract can transfer the purchased goods;

3. Discount business of digital deposit of bill contract;

Second, credit currency transactions:

3. Credit currency and corresponding currency are used as equivalent exchange;

Preferably, the financing party (or purchaser) is an enterprise or an individual.

Preferably, each sub-blockchain record is formed when the digital deposit certificate of the financing party (or purchaser) bill contract is issued, which has the following characteristics:

Preferably, the blockchain node that the financier (or purchaser) pays to the supplier according to the credit currency will form each sub-blockchain record, which has the following characteristics:

Preferably, the financier (or purchaser) needs funds to issue an application to the risk control guarantee institution (or financial institution) on the platform, and the risk control guarantee institution (or financial institution) adopts the offline and online big data risk control model Carry out comprehensive risk control assessment, and determine whether to grant financing needs. Those who meet the financing requirements need to sign guarantee and insurance agreements, and pay related fees for online purchases through digital deposit transactions or credit currency transactions.

Preferably, both risk control and guarantee must be unified, and the responsibilities and rights reflected are highly unified. The purpose is to improve efficiency and avoid unclear responsibilities.

Preferably, the compensation fund or insurance company is paid first; it is the last measure to prevent and control risks to ensure the safety of funds.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention, but not limited thereto. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still Modifications to the technical solutions described in the foregoing embodiments, or equivalent replacements of some of the technical features thereof; and these modifications or replacements do not depart the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

A new financing model method based on credit currency or digital certificate is characterized by the following steps:

Step 1: Collect and integrate financing party (or purchaser) information to obtain industry data;

Step 2: Combine the big data model and the risk control analysis model to perform risk model pricing and asset pledge risk control assessment on the industrial data;

Step 3: The risk control guarantee institution (or financial institution) receives an application for financing needs from the financing party (or purchaser) from the platform, retrieves the analysis information of the financing party (or purchaser), and conducts the financing (or purchaser) analysis. Offline inspection and comprehensive assessment to determine whether it has the financing conditions;

Step 4: In accordance with the financing requirements, sign the corresponding guarantee contract (or paper guarantee) of the credit currency (or digital deposit certificate), and the financing party (or purchaser) pays the relevant costs. The financing party (or purchaser) needs to apply A blockchain initial account, and then choose to use digital certificate transactions or credit currency transactions according to their own needs:

A: Select digital certificate transaction. The financing platform uses the hash algorithm combined with public and private key signature methods to generate a digital certificate of "bill contract" after timestamping the consensus account according to the purchase information;

B: Select credit currency transactions, risk control guarantee institutions (or financial institutions), financing platforms, and insurance institutions. Through the cooperation of the nodes of the alliance chain, the hash algorithm combined with the public and private key signature method is used to agree on the accounts that have reached a consensus. The enterprise (or individual) issues the same amount of credit coins generated by the blockchain technology alliance chain, and at the same time calculates the deduction of interest expenses through smart contracts based on (supply and demand dynamic index interest rate) or (appointed interest rate) and credit currency account balances;

Step 5: According to the transaction mode selected by the financing party (or purchaser), the supplier can make the following processing methods:

I. Digital deposit transaction:

The supplier has the following three processing methods after receiving the digital deposit certificate of the bill contract:

1) The first smart contract that executes the blockchain program will transfer the company's capital account to the expiration date stipulated in the smart contract; if the enterprise account has no funds, the company will be in a default swap; the second smart contract will be initiated by the advance compensation fund Account transfers;

2) The digital deposit certificate of the bill contract can transfer the purchased goods;

3) Discount business of digital deposit of bill contract;

Second, credit currency transactions:

After receiving the credit, the supplier has the following three processing methods:

1) Deposit to the initial account opened to the blockchain, and the smart contract account that executes the blockchain program will calculate and pay the corresponding interest income according to the account balance and (supply and demand dynamic index interest rate) or (agreement interest rate) to calculate the corporate credit currency account allocation turn;

2) Credit coins can also be used to purchase purchased goods; as exchange equivalents for payments;

3) Credit currency and corresponding legal currency are equivalently converted;

Step 6: The transaction rules stipulate that whether the digital certificate transaction or credit currency transaction is adopted, the digital contract of the bill contract or the credit currency should be paid to the platform party first, and the supplier will ship the product; the financing party (or the purchaser) ) After the receipt is confirmed without error, the digital contract of the bill contract or the credit currency is transferred from the platform to the supplier to pay or receive the credit currency.
The method of financing mode based on the blockchain credit currency or digital certificate according to claim 1, characterized in that the financing party (or purchaser) is an enterprise or an individual.
The method of financing mode based on blockchain credits or digital deposits according to claim 1, characterized in that the offline inspection and financing party (or purchaser) mentioned in step 3 mentioned above and Comprehensive assessment includes warehouse receipt pledge and factoring pledge of accounts receivable.
The method of financing mode based on blockchain credit currency or digital certificate according to claim 1, characterized in that each sub-block will be formed after the digital certificate of the financing party (or purchaser) bill contract is issued Chain records, which have the following characteristics:

1.1 Any one of the participating nodes calls the digital contract of the bill contract, and then uses an asymmetric encryption algorithm to encrypt the bill contract containing the transaction data and broadcasts it to other participating nodes in the blockchain network alliance. The consensus mechanism generates new blocks and writes them into the blockchain;

1.2. Make the risk control guarantee institution (or financial institution) and the platform node join and run the blockchain network, and the blockchain network assigns a pair of secret keys to the alliance nodes;

1.3 When any participating node calls the digital deposit certificate of the bill contract, an asymmetric encryption algorithm is used to encrypt the bill contract containing transaction data, so that only relevant parties can view it.
The method of financing mode based on blockchain credit currency or digital certificate according to claim 1, characterized in that: the financier (or purchaser) pays the blockchain node of the supplier according to the credit currency Each sub-blockchain record will be formed, which has the following characteristics:

1.1 When any participating node calls a credit, it uses an asymmetric encryption algorithm to encrypt the blockchain credit that contains transaction data and broadcasts it to other participating nodes in the blockchain network alliance. The consensus mechanism generates new blocks and writes them into the blockchain;

1.2. Make the risk control guarantee institution (or financial institution) and the platform node join and run the blockchain network, and the blockchain network assigns a pair of secret keys to the alliance nodes;

1.3 When any participating node calls credit, it uses an asymmetric encryption algorithm to encrypt the transaction credit, so that only relevant parties can view it.