Summary of the invention
In view of deficiency of the prior art, it is proposed that the present invention, in order to provide one to overcome the problems referred to above or at least part of
Ground solves a kind of bill processing system of the problems referred to above and improves the method that bill processes safety.
According to an aspect of the present invention, it is provided that a kind of improve bill process safety method, described method include as
Lower step:
Uniquely identify and key information to the bill process side distribution the whole network having verified that, and receive pending bill;
Described pending bill is carried out credit rating calculating;
Bill after credit rating is generated unique number, and described bill rating result and ticket contents are write block
Chain, in described block chain, all users issue.
Further, described method also comprises the steps: uniquely to identify and before key information at described distribution the whole network, right
Application for registration user carries out authentication and assessment, obtains bill by verifier and processes qualification.
Further, described method also comprises the steps:, before the credit rating of described calculating bill, to hold bill
The credit information of the person of having is collected.
Further, described credit rating calculating process specifically includes:
Generate grading specialist list;
Choose rating element and set rating element weight;
Rating element is given a mark by each expert;
Collect the described each expert marking to rating element, and carry out weighted average, the credit rating score drawn.
Further, the described grading specialist list that generates specifically includes:
Region according to bill holder place and the field related to, in described region and neighbouring region, described field and
One group of specialist list of stochastic generation in association area, the expert in this group specialist list pushes credit rating request, specially automatically
Grading request is responded by family, i.e. receives or refuses, and according to expert's response results, generates final credit rating expert row
Table.
Further, choose rating element described in and setting rating element weight farther includes: grading can be wanted by expert
Element and weight propose amending advice, and be sent to other experts carry out ballot confirm, once the poll of certain expert exceedes threshold
Value, then amending advice is adopted, and writes block chain storage common recognition.
Further, described method also comprises the steps: before described paper credit is graded, or described paper credit
After grading, pending bill carrying out bill trustship and generates trustship record, described trustship record is issued in described block chain
And storage of knowing together.
Further, described method also comprises the steps: the behavior that described bill processes, all in the supervision of regulator
Under carry out.
According to a further aspect in the invention, also provide for a kind of bill processing system, calculate including authentication module, credit rating
Module and input/output module module, wherein:
Described authentication module, for uniquely identifying and key information to the bill process side distribution the whole network having verified that, and connects
Receive pending bill;
Described credit rating computing module, for carrying out credit rating calculating to described pending bill;
Described input/output module, for writing data or reading data from described block chain in block chain.
Further, described system also includes:
Trustship module, before grading in described paper credit, or after the grading of described paper credit, to bill trusteeship party
Carry out bill trustship, generate trustship record;
Transfer the possession of module, for pending bill is transferred the possession of, generate and transfer the possession of record.
A kind of high bill that the present invention proposes processes method and the bill processing system of safety, is possible not only to promote credit
Grading computational efficiency, it is also possible to promote transparency, standardization that bill processes, and bill supervision cost can be reduced.
Detailed description of the invention
Describe in more detail the exemplary embodiment of the present invention below with reference to accompanying drawings.Although accompanying drawing shows the present invention
Exemplary embodiment, it being understood, however, that may be realized in various forms the present invention, and should be by embodiments set forth here
Limited.On the contrary, it is provided that these embodiments are to enable the more thorough explanation present invention, and can be complete by the scope of the present invention
Whole conveys to those skilled in the art.
Block chain technology has the features such as the storage of data decentration, common recognition checking, transparent, behavior is irreversible, for solving
Certainly in prior art, present in bill processing procedure, problem has unique advantage.As depicted in figs. 1 and 2, the present invention provides one
Planting the method improving bill process safety based on block chain technology, described method comprises the steps:
Step S110, uniquely identifies and key information to the bill process side distribution the whole network having verified that, and receives pending
Bill.Bill process side includes that enterprise and investment institution, pending bill are such as bills to be read or to be released.Specifically
, any bill such as enterprise, investment institution processes direction bill processing system and submits application for registration to, and bill processing system is to application
Person carries out authentication and assessment, obtains bill by verifier and processes qualification, and distributes the whole network unique ID, bill process
Required public private key information.Bill holder submits pending bill to bill processing system, and ticket contents includes that bill is detailed
Information, bill whether trustship and other requirements etc..
Step S120, carries out credit rating calculating to pending bill.When bill processing system receives pending bill
After, according to the grading rule set, automatically calculate the credit rating of bill, and by rating result in block chain to all users
Issue.Before automatically calculating the credit rating of bill, the credit information of bill holder can be collected, in order to carry out
Grading calculates.Credit information include basis financial information, production and operation situation, financing situation, lending bank be correlated with credit data,
The information such as data after loan.
Concrete, it is as follows that credit rating calculates process:
First, grading specialist list is generated.Bill processing system can be according to the region at bill holder place with relate to
Field, one group of specialist list of stochastic generation in this region and neighbouring region, this field and association area, to this group specialist list
In expert automatically push credit rating request, grading request is responded, i.e. receives or refuse by expert.Ring according to expert
Should result, generate final credit rating specialist list.Further, bill processing system is by final credit rating expert row
Every expert that table is pushed in list.
Secondly, choose rating element and set rating element weight.Generally, bill processing system can be used for reference existing
Ripe credit system arranges rating element and the weight thereof of acquiescence, and is sent to each expert.Further, expert can be to commenting
Level key element and weight propose amending advice, and be sent to other experts carry out ballot confirm.Once the poll of certain expert surpasses
Cross threshold value, then amending advice is adopted, and writes block chain storage common recognition.
And then, rating element is given a mark by expert.Such as basis financial information, production and operation situation, financing situation, loan
Money bank be correlated with credit data, borrow after data etc., every data information all has storage in block chain and passes through common recognition.
Finally, collect each expert marking to rating element, and carry out weighted average, the credit rating score drawn.Tool
Body, making M is rank score, and rating element score is respectively A1, A2 ... An, and key element weight is respectively K1, K2 ... Kn.Then M=
A1K1+A2K2+…+AnKn。
Step S130, generates unique number to the bill after credit rating, and bill rating result and ticket contents is write
Entering block chain, in block chain, all users issue.Ticket contents information include proprietary information that bill relates to, trustship information,
Rating information, plan information etc..As in figure 2 it is shown, the composition signal of the exemplary ticket contents information that gives of the present invention, including
Bill record identification, the amount of the instrument, bill status information, hold information, trustship information, rating information, financing information, timestamp
And signature, wherein signature is the coalition signature of all related sides.
As the further improvement of above-described embodiment, described raising bill processes the method for safety and also includes walking as follows
Rapid:
Before paper credit is graded, or after paper credit grading, bill processing system carries out bill to bill trusteeship party
Trustship, trustship record is issued and knows together storage in block chain.Concrete, for paper-bill, first bill trusteeship party checks
Bill verity, then completes trustship formality, issues bill trustship information to all users in bill processing system simultaneously;Right
In electronic bill, bill trusteeship party, after completing trustship formality, directly issues to all Role Users in bill processing system
Bill trustship information.
As the further improvement of above-described embodiment, described raising bill processes the method for safety and also includes walking as follows
Rapid:
All corelation behaviours that bill processes, are all carried out under the supervision of the third-party institutions such as regulator.Supervisor
Structure can be inquired about bill and processes historical information and collect evidence.
As the further improvement of above-described embodiment, described raising bill processes the method for safety and also includes walking as follows
Rapid:
Pending bill is transferred the possession of, and storage that transfer record is issued in block chain and known together.Assign an application note
Record includes assign an application record identification, granter's mark, recipient's mark, transfer object identity (such as coupon identification), transfer
Type, volume assignment, granter's signature, timestamp etc..
Based on above-mentioned principle, according to a further aspect in the invention, also provide for a kind of bill processing system, due to this system with
The principle of above-mentioned processing method is corresponding, the most too much repeats.
As it is shown on figure 3, a kind of bill processing system 300, including authentication module 310, credit rating computing module 320 and defeated
Enter output module 330, wherein:
Authentication module 310, for uniquely identifying and key information to the bill process side distribution the whole network having verified that, and receives
Pending bill.Bill process participant, except bill holder, investor, trusteeship party, credit support side, also has supervisor
Gou Deng department carries out inquiry supervision to bill processing procedure, ensures legal effective operation.Uniquely identify and key at distribution the whole network
Before information, the user that authentication module 310 is additionally operable to submitting application for registration to carries out authentication and assessment, is obtained by verifier
Obtain bill and process qualification.
Credit rating computing module 320, for carrying out credit rating calculating to pending bill.
Input/output module 330, for writing data or reading data from block chain in block chain.Concrete, right
Bill after credit rating generates unique number, and bill rating information and ticket contents information write bill block chain is gone forward side by side
Row is issued, and issues credit rating result.Further, input/output module 330 can be to each operation note all at block chain
In issue or read.
Further, also include trustship module 340, before grading in paper credit, or after paper credit grading, ticket
According to processing system, bill trusteeship party is carried out bill trustship, generate trustship record.
Further, also include transferring the possession of module 350, for pending bill is transferred the possession of, generate and transfer the possession of record.
Owing to the present invention utilizes block chain technology to carry out registering and data backup by bill, all bills all number can look into,
Truly, transparent, such as inquire about the structure of deal of product, earning rate, management of liquidity, auditor's information, guarantee main body and guarantee
Letter content, bill survival cash the cycle etc., the most all bills process participant, either issuer, issue organization are also
Being monitoring party, both participate in block chain bill processing procedure, therefore, what the present invention was carried improves the method that bill processes safety
It is possible not only to promote transparency, the standardization that bill processes, and bill supervision cost can be reduced.
Each embodiment in this specification all uses the mode gone forward one by one to describe, identical similar portion between each embodiment
Dividing and see mutually, what each embodiment stressed is the difference with other embodiments.Especially for device or
For system embodiment, owing to it is substantially similar to embodiment of the method, so describing fairly simple, relevant part sees method
The part of embodiment illustrates.Apparatus and system embodiment described above is only schematically, wherein said conduct
The unit of separating component explanation can be or may not be physically separate, the parts shown as unit can be or
Person may not be physical location, i.e. may be located at a place, or can also be distributed on multiple NE.Can root
Factually border need select some or all of module therein to realize the purpose of the present embodiment scheme.Ordinary skill
Personnel, in the case of not paying creative work, are i.e. appreciated that and implement.
It should be understood that
Algorithm and display are not intrinsic to any certain computer, virtual system or miscellaneous equipment relevant provided herein.
Various general-purpose systems can also be used together with based on teaching in this.As described above, construct required by this kind of system
Structure be apparent from.Additionally, the present invention is also not for any specific programming language.It is understood that, it is possible to use each
Plant programming language and realize invention described herein content.
Those skilled in the art be appreciated that module each in embodiment can be carried out adaptivity change and
They are arranged in one or more equipment different from this embodiment.Unless otherwise being expressly recited, disclosed in this specification
Each feature can be replaced by providing identical, equivalent or the alternative features of similar purpose.
The all parts embodiment of the present invention can realize with hardware, or to run on one or more processor
Software module realize, or with combinations thereof realize.
The foregoing is only the preferred embodiments of the invention, be not limited to the claims of the present invention.
The most described above, for those skilled in the technology concerned it would be appreciated that and implement, therefore other are based on institute of the present invention
The equivalent that disclosure is completed changes, and should be included in the covering scope of the claims.