CN107194778A - Equipment leasing method and system based on block chain - Google Patents

Equipment leasing method and system based on block chain Download PDF

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Publication number
CN107194778A
CN107194778A CN201710377492.XA CN201710377492A CN107194778A CN 107194778 A CN107194778 A CN 107194778A CN 201710377492 A CN201710377492 A CN 201710377492A CN 107194778 A CN107194778 A CN 107194778A
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block chain
tenant
account
node
equipment
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金立彦
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0645Rental transactions; Leasing transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction

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Abstract

The present invention provides a kind of equipment leasing method and system based on block chain, and method includes:Lessor's node generates intelligent contract, and the intelligent contract of deployment on industry block chain according to the Tenancy Agreement of lessor and tenant;Device node obtains the block chain accounts information of the tenant of the record on industry block chain, and judges whether the block chain account volume of tenant is less than account specified threshold;When account balance is less than account specified threshold, the operation function for leasing equipment is limited;When account virtual currency balance is not less than account specified threshold, control, which allows to lease equipment, normally to be run;Device node triggers intelligent contract according to the running situation for leasing equipment and carries out corresponding rents diversion operation to the block chain account of tenant and lessor.In this way, realizing disclosure, the transparent, record that can review, can not distort of the automation and intelligentification management for leasing equipment and Rent Trading and process of exchange, the efficiency of lease trade management or audit can be improved.

Description

Equipment leasing method and system based on block chain
Technical field
The present invention relates to technical field of electronic commerce, in particular to a kind of equipment leasing method based on block chain And system.
Background technology
Equipment leasing refers to that the right to use of equipment is given tenant by lessor, and collects corresponding usage charges to tenant With.In the existing Managed Solution to leasing equipment, after lessor leases equipment, it is impossible to which effectively the use of equipment is leased in control Power, such as when tenant fails to act rental agreement corresponding contents, lessor timely and effective can not limit tenant to be made to equipment With causing the recovery of rent or equipment difficult.And transaction record is opaque in rental agreement fulfillment processes, and transaction record is easy Lack or be forged.Thus cause that the transfer of the leased assets in later stage needs to expend a large amount of manpowers and energy goes to check transaction record Authenticity.
The content of the invention
In order to overcome above-mentioned deficiency of the prior art, it is an object of the invention to provide a kind of equipment based on block chain Rent method, applied to the equipment leasing system including tenant's node, lessor's node and device node, tenant's section Point, lessor's node and device node carry out distributed book keeping operation and form industry block chain, and the device node is used for according to described Accounting information on industry block chain is managed to leasing equipment;Methods described includes:
Lessor's node generates intelligent contract according to the Tenancy Agreement of lessor and tenant, and in the industry area The intelligent contract is disposed on block chain, the intelligent contract includes a default account specified threshold;
The device node obtains the block chain accounts information of the tenant of the record on the industry block chain, and judges Whether the block chain account virtual currency balance of the tenant is less than the account specified threshold;
The device node is less than the account specified threshold in the block chain account virtual currency balance of the tenant When, the operation function for leasing equipment is limited;
The device node is not less than the account in the block chain account virtual currency balance of the tenant and specifies threshold Equipment is leased during value, described in control permission normally to run;
The device node leases the intelligent contract of running situation triggering of equipment to the tenant and taxi according to The block chain account of people carries out corresponding rent ideal money transfer operation, and the book keeping operation of the ideal money transfer operation is believed Breath is published to the industry block chain.
Further, in the above-mentioned methods, the equipment leasing system also includes bank node, and methods described also includes:
The bank node obtains the accounting information on the industry block chain, according to the accounting information to lessor and The bank account of tenant performs corresponding actual rent transfer operation.
Further, in the above-mentioned methods, methods described also includes:
The bank node obtains the true fund transition information of tenant's bank account, is changed according to the true fund Information generates accounting information and is published to the industry block chain, and the block chain accounts information of the tenant is carried out more Newly.
Further, in the above-mentioned methods, methods described also includes:
Bank node obtains the block chain accounts information of the tenant and lessor in advance, by the tenant and taxi The block chain account of people is associated with the bank account of the tenant and lessor respectively.
Further, in the above-mentioned methods, ideal money of the device node in the block chain account of the tenant When remaining sum is less than the account specified threshold, the step of limiting the operation function for leasing equipment, including:
The block chain account virtual currency balance that the device node detects the tenant is specified less than the account During threshold value, early warning information is sent, notifies tenant to restore balance, and starts the first timing;
When first timing reaches the first preset duration, the block chain account of the tenant is detected again;
If the block chain account virtual currency balance of the tenant is not less than the account specified threshold, cancel described pre- Alert prompt message, maintain described in lease the normal operation of equipment;
If the block chain account virtual currency balance of the tenant is less than the account specified threshold, described lease is set Standby part operation function is limited, and is sent early warning information, is notified tenant to restore balance again, and starts the Two timing;
When second timing reaches the second preset duration, the block chain account of the tenant is detected again;
If the block chain account virtual currency balance of the tenant is not less than the account specified threshold, cancel to institute State the limitation for leasing equipment operation function;
If the block chain account virtual currency balance of the tenant is less than the account specified threshold, leased to described Whole operation functions of equipment are limited.
Further, in the above-mentioned methods, methods described also includes:
The device node detects whether the node can enter with least one other node in the industry block chain Row communication;
Detect the device node can not be with any node communication in the industry block chain when, limitation described in lease All operation functions of equipment.
Further, in the above-mentioned methods, methods described also includes:
The block chain account of tenant is created on the industry block chain;
The initial value of the block chain account of the tenant is set according to the bank account balances of the tenant.
Further, in the above-mentioned methods, the block chain account of the tenant includes being generated according to Digital Signature Algorithm Public key;Lessor's node generates intelligent contract simultaneously according to the agreement of lessor and tenant on the industry block chain The step of announcement, including:
Generate on the industry block chain intelligent contract according to the agreement of lessor and tenant, and by each issue rent, The public key information of the block chain account of term of a lease and the lessor and tenant and other described intelligent contracts of agreement write-in.
Further, in the above-mentioned methods, methods described also includes:
The device node obtains the health information for leasing equipment, and by the running situation information announcement described in On industry block chain.
Another object of the present invention is to provide a kind of equipment leasing system based on block chain, the system includes chartering People's node, lessor's node, bank node and device node, tenant's node, lessor's node, bank node and equipment Node carries out distributed book keeping operation and forms industry block chain, and the device node is used to be believed according to the book keeping operation on the industry block chain Breath is managed to leasing equipment;
Lessor's node is used to generate intelligent contract according to the Tenancy Agreement of lessor and tenant, and in the row The intelligent contract is disposed on industry block chain, the intelligent contract includes a default account specified threshold;
The device node obtains the block chain accounts information of the tenant of the record on the industry block chain, and judges Whether the block chain account virtual currency balance of the tenant is less than the account specified threshold;In the block of the tenant When chain account virtual currency balance is less than the account specified threshold, the operation function for leasing equipment is limited; When the block chain account virtual currency balance of the tenant is not less than the account specified threshold, leases and set described in control permission Standby normal operation;And block of the intelligent contract to the tenant and lessor is triggered according to the running situation for leasing equipment Chain account carries out corresponding rent ideal money transfer operation, and the accounting information of the ideal money transfer operation is published to The industry block chain;
The bank node obtains the accounting information on the industry block chain, according to the accounting information to lessor and The bank account of tenant performs the transfer operation of corresponding real money fund.
In terms of existing technologies, the invention has the advantages that:
The equipment leasing method and system based on block chain that the present invention is provided, using block chain technology, according to industry area The intelligent contract generated on block chain is to lessor's account, tenant's account and leases the right to use of equipment and automatically controls, together When, industry block chain truly pellucidly have recorded the transaction record of lease term, and can not change or delete.In this way, realizing Lease the automation and intelligentification management of equipment and Rent Trading and the disclosure of process of exchange, the transparent, note that can review, can not distort Record, can improve the efficiency of lease trade management or audit.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be attached to what is used required in embodiment Figure is briefly described, it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, therefore is not construed as pair The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can also be according to this A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 is one of interaction schematic diagram of equipment leasing system provided in an embodiment of the present invention;
Fig. 2 is the step flow chart of the equipment leasing method provided in an embodiment of the present invention based on block chain;
Fig. 3 is the interaction schematic diagram two of equipment leasing system provided in an embodiment of the present invention;
Fig. 4 is the sub-step schematic flow sheet of step S130 shown in Fig. 2 of the embodiment of the present invention
Fig. 5 is the interaction schematic diagram three of equipment leasing system provided in an embodiment of the present invention.
Icon:10- equipment leasing systems;100- tenant's node;200- lessor's node;300- device nodes;400- Lease equipment;500- bank nodes;600- regulators node;700- investor's nodes;900- networks.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is A part of embodiment of the present invention, rather than whole embodiments.The present invention implementation being generally described and illustrated herein in the accompanying drawings The component of example can be arranged and designed with a variety of configurations.
Therefore, the detailed description of embodiments of the invention below to providing in the accompanying drawings is not intended to limit claimed The scope of the present invention, but be merely representative of the present invention selected embodiment.Based on the embodiment in the present invention, this area is common The every other embodiment that technical staff is obtained under the premise of creative work is not made, belongs to the model that the present invention is protected Enclose.
It should be noted that:Similar label and letter represents similar terms in following accompanying drawing, therefore, once a certain Xiang Yi It is defined in individual accompanying drawing, then it further need not be defined and explained in subsequent accompanying drawing.
In the description of the invention, it is necessary to which explanation, term " first ", " second ", " the 3rd " etc. are only used for differentiation and retouched State, and it is not intended that indicating or implying relative importance.
In the description of the invention, in addition it is also necessary to explanation, unless otherwise clearly defined and limited, term " setting ", " installation ", " connected ", " connection " should be interpreted broadly, for example, it may be fixedly connected or be detachably connected, or one Connect body;Can be mechanical connection or electrical connection;Can be joined directly together, can also be indirect by intermediary It is connected, can is the connection of two element internals.For the ordinary skill in the art, on being understood with concrete condition State the concrete meaning of term in the present invention.
Fig. 1 is refer to, Fig. 1 is the interaction for the equipment leasing system 10 based on block chain that present pre-ferred embodiments are provided Schematic diagram.The equipment leasing system 10 at least includes tenant's node 100, lessor's node 200, bank node 500 and set Slave node 300.Tenant's node 100, lessor's node 200, bank node 500 and device node 300 pass through network 900 It is in communication with each other, tenant's node 100, lessor's node 200, bank node 500 and device node 300 carry out distributed note Account formation industry block chain, the device node 300 is managed according to the accounting information on industry block chain to leasing equipment 400 Reason.Wherein, the node in the equipment leasing system 10 can include but not limited to computer equipment, mobile terminal, insertion Node installation in formula equipment or virtual machine etc., the equipment leasing system 10 has block chain client-side program.
It is understood that when lessor is bank side, lessor's node 200 and the bank node 500 can be same node.The equipment leasing system 10 can include to tenant's nodes 100 of multiple various combinations, go out Renting people's node 200 or device node 300, book keeping operation forms industry block chain jointly.
In the present embodiment, book keeping operation is traded in the form of block chain, and rent is realized in the form of intelligent contract The automatic of contract of renting is fulfiled.
Block chain is the distributed data base being collectively forming using the different nodes being in communication with each other, i.e. block chain is one Realize the open public account book of distributed book keeping operation.A kind of (cryptography skill is calculated by cryptographic Hash in block chain accounting procedure Art) Transaction Information encryption is given, then encryption information data all in the same period are packaged with, an area is formed Block, then the block of different time sections is chained up, it is formed block chain.There is block chain accounting information to disclose, it is transparent, can The features such as reviewing, can not distort.
Intelligent contract is a program being stored in block chain, is existed in the form of program code, can be by special Ether mill dedicated virtual machine (Ethereum-specific Virtual Machine) is performed, and the node in block chain can be adjusted With application programming interface open inside program.Intelligent contract is once uploaded, and is just permanently present in block chain.
In this way, based on block chain and intelligent contract inherent transparency, security, can not distort, irrevocable property, can be with Ensure the authentic and valid of lease transaction record.
Fig. 2 is refer to, Fig. 2 is a kind of equipment rent based on block chain applied to the equipment leasing system 10 shown in Fig. 1 The flow chart for method of renting, methods described will be described in detail including each step below.
Step S110, lessor's node 200 generates intelligent contract according to the Tenancy Agreement of lessor and tenant, and The intelligent contract is disposed on the industry block chain, the intelligent contract includes a default account specified threshold.
In the present embodiment, the block chain account of tenant is created on the industry block chain in advance.The tenant Block chain account can use digital signature, such as standard ellipse Curve Digital Signature algorithm (SECP256K1) algorithm also may be used To be other algorithms.Generating a public key and private key respectively by signature algorithm, (length of public key and private key is regarded according to not With signature algorithm and it is different).Tenant holds private key, not external disclosure.The public key then external disclosure on industry block chain, and By the intelligent contract being written into.
After the block chain account for creating the tenant, chartered according to being set the bank account balances of the tenant The initial value of the block chain account of people.The bank node 500 can obtain the block chain of the tenant and lessor in advance Accounts information, by the bank account phase of the block chain account of the tenant and lessor respectively with the tenant and lessor Association, to be grasped accordingly to the true fund in actual bank account according to the accounting information on the industry block chain Make.For example, the bank node 500 obtains address information (that is, the account of the block chain account of the tenant and lessor in advance The public key information at family), then by the address of the tenant and the block chain account of lessor respectively with the tenant and going out Renting the account of the bank account of people is associated.
Carry out after account association, the true fund that the bank node 500 can obtain tenant's bank account becomes Dynamic information, generates accounting information according to the true fund transition information and is published to the industry block chain, and held to described The block chain accounts information for renting people is updated.For example, tenant prestores in its bank account after rent, the bank node 500, according to the true fund transition information of tenant's bank account, issue accounting information, simultaneously in the industry block chain Update the block chain account virtual currency balance of the tenant.
Then lessor's node 200 creates intelligent contract according to the Tenancy Agreement of tenant and lessor on block chain. In the present embodiment, the related content of Tenancy Agreement, the block of such as lessor and tenant can be included in the intelligent contract Public key address, term of a lease and the rent of chain account, and other side informations.The intelligent contract is stamped and deposited after timestamp On the industry block chain, all nodes are disclosed, or it is public according to the about orientation part of nodes in advance of tenant and lessor Open.
Further, the bank node 500 can be periodically to the tenant and lessor on the industry block chain The corresponding bank account of block chain account carry out reconciliation, reconciliation content includes remaining sum reconciliation and transaction details reconciliation.Such as This, it is ensured that the funds transfer between funds transfer and block chain account between real bank account is consistent, bank account True the balance of funding and virtual the balance of funding of block chain account are consistent.
Based on above-mentioned design, Tenancy Agreement exists in the form of intelligent contract, and is handed over by the industry block chain The distributed book keeping operation of easy content, it is possible to achieve open and clearization of transaction.When needing to carry out securitisation to leased assets, investment People, third party censorship and regulator can be obtained true complete by accessing the node of the industry block chain Transaction record is leased, facilitates assets audit work.
Step S120, the device node 300 obtains the block chain account of the tenant recorded on the industry block chain Information, and judge whether the block chain account virtual currency balance of the tenant is less than the account specified threshold.If described The block chain account virtual currency balance of tenant enters step S130 less than the account specified threshold, if the tenant Block chain account virtual currency balance is not less than the account specified threshold into step S140.
In an embodiment of the present embodiment, referring once again to Fig. 1, the device node 300 can be rented to be described Go out preassembled program or software in equipment 400, for realizing the access industry block chain and according to the industry block Equipment 400 is leased described in accounting information control on chain.
In the another embodiment of the present embodiment, refer to Fig. 3, the device node 300 can also be independently of The control device (such as single-chip microcomputer and embedded device) for leasing the presence of equipment 400, by connecting with the equipment 400 of leasing Connect, and access the industry block chain, equipment 400 is leased according to the accounting information control on the industry block chain.
In the present embodiment, the device node 300 detects whether the node accesses the industry block chain in advance.In inspection When measuring the device node 300 and not accessing the industry block chain, the operation function of equipment 400 is leased described in limitation.Specifically Ground, the device node 300 detects whether the node can be carried out with least one other node in the industry block chain Communication.Detect the device node 300 can not be with any node communication in the industry block chain when, limitation described in lease All operation functions of equipment 400.
In the present embodiment, the device node 300 can be held in described lease when equipment 400 starts described in perform detection The action of the block chain accounts information of people is rented, such as switching on and shutting down more frequently lease equipment 400, can lease equipment described Detection operation is carried out during 400 start.The device node 300 can also be in tenant described in preset time point perform detection The action of block chain accounts information, for example, the equipment for needing to be always maintained at start operation, daily 00:00 moment performed Detection operation.
Step S130, is limited the operation function for leasing equipment 400.
In an embodiment of the present embodiment, the device node 300 is detecting the block chain of the tenant When account virtual currency balance is less than the account specified threshold, and all operation functions for leasing equipment 400 are carried out Limitation, e.g., leases the operation of equipment 400 at once described in stopping.
In the another embodiment of the present embodiment, for needing to maintain operation, shutdown is likely to result in considerable influence Equipment 400 is leased, the device node 300 can limit the operation function for leasing equipment 400 stage by stage.
Specifically, in the present embodiment, Fig. 4 is refer to, step S130 can include sub-step S131 to sub-step S137。
Sub-step S131, the block chain account virtual currency balance that the device node 300 detects the tenant is low When the account specified threshold, early warning information is sent, notifies tenant to restore balance, and start the first timing.
Sub-step S132, when first timing reaches the first preset duration, detects the block chain of the tenant again Account, and judge whether the block chain account virtual currency balance of the tenant is less than the account specified threshold.If described The block chain account virtual currency balance of tenant is not less than the account specified threshold into sub-step S133, if described charter The block chain account virtual currency balance of people enters sub-step S134 less than the account specified threshold.
Sub-step S133, cancels the early warning information, maintain described in lease the normal operation of equipment 400.
If tenant has supplied the remaining sum of its bank account, the bank node 500 in first preset duration Accounting information can be generated according to the true fund transition information of its bank account and be published to the industry block chain, and held to described The block chain accounts information for renting people is updated.The device node 300 first timing reach described first it is default when The block chain account virtual currency balance that the tenant is detected after length is no longer below the account specified threshold, then cancels The early warning information, maintain described in lease the normal operation of equipment 400.
Sub-step S134, limits the part operation function for leasing equipment 400, sends early warning information, Notify tenant to supply bank account balances again, and start the second timing.
If tenant does not supply the remaining sum of its bank account, the device node 300 in first preset duration After first timing reaches first preset duration, the block chain account virtual currency balance of the tenant is detected It still is below the account specified threshold.Now, the part operation function of equipment 400 is leased described in 300 pairs of the device node Limited, send early warning information, notify tenant to supply bank account balances again, and start the second timing.
Further, in the present embodiment, now can be with if tenant and bank's sealed contract financing agreement contract in advance Start account overdraw service or the mobility raising money support of other forms that tenant gives in bank.
The device node 300 can record regulation in this stage to which funtion part for leasing equipment 400 Limited, the device node 300 is limited the operation function of these parts.Subsequently into sub-step S135.
Sub-step S135, when second timing reaches the second preset duration, detects the block chain of the tenant again Account, and judge whether the block chain account virtual currency balance of the tenant is less than the account specified threshold.If described The block chain account virtual currency balance of tenant is not less than the account specified threshold into sub-step S136, if described charter The block chain account virtual currency balance of people enters sub-step S137 less than the account specified threshold.
Sub-step S136, if tenant supplies its account balance in second preset duration, cancels to described The limitation of the operation function of equipment 400 is leased, and cancels the early warning.
Sub-step S137, whole operation functions that equipment 400 is leased described in 300 pairs of the device node are limited.
Based on above-mentioned design, when the block chain account virtual currency balance of tenant is unsatisfactory for requiring, it is believed that hold The agreement that rent people does not fulfil lease in time removes payment or rent, then the device node 300 limits the function of leasing equipment 400, To limit the use of tenant, tenant is supervised to fulfil lease agreement.
Step S140, controls to lease the normally operation of equipment 400 described in permission.Subsequently into step S150.
Step S150, the device node 300 triggers intelligent contract to institute according to the running situation for leasing equipment 400 The block chain account for stating tenant and lessor carries out corresponding virtual rents diversion operation, and ideal money transfer is grasped The accounting information of work is published to the industry block chain.
In the present embodiment, the device node 300 can it is described lease the end of run of equipment 400 after trigger the intelligence Energy contract carries out rents diversion or in preset time point (such as daily 00:00 moment) the intelligent contract progress rent of triggering Transfer.
The accounting information for carrying out rents diversion is published to the industry block chain, in this way, accessing the industry block chain All nodes, or the part of nodes arranged in advance according to tenant, lessor and bank can be inquired about during lease All true complete transaction records.
Further, in the present embodiment, the device node 300 can also obtain the operation conditions for leasing equipment 400 Information, and by the running situation information announcement to the industry block chain.
The device node 300 can record the service data for leasing equipment 400 on the industry block chain, including But be not limited to operation duration, start and close down the time, geographical coordinate, device temperature and humidity, the image information of operator etc., match somebody with somebody Machine learning techniques are closed, realize that artificial intelligence recognizes abnormal operation, such as operating habit occurs significant changes, geographical position and occurred Anomalous variation, operating personnel change.Risk-warning information is sent to lessor in time, realizes that risk does sth. in advance strick precaution.
Further, in the present embodiment, the overdue record of tenant's payment or rent can also be published to the industry area Block chain, the People's Bank's reference center and other third party's credit evaluation mechanisms can access the industry block chain, according to described Accounting information on industry block chain carries out credit evaluation to tenant and leased assets.
Step S160, the bank node 500 obtains the accounting information on the industry block chain, is believed according to the book keeping operation Cease and corresponding actual rent transfer operation is performed to the bank account of lessor and tenant.
In the present embodiment, in order to realize the transition from virtual fund to true fund, the bank node 500 can root The transfer operation of true fund is carried out according to the accounting information on the industry block chain.
The method provided based on above-mentioned design, the present embodiment, can effectively realize the lessor to leasing equipment 400 Remote management, and true and reliable intactly record transaction, greatly reduce the risk in lease transaction.
Further, the transparency and digital asset of the equipment leasing method based on block chain provided due to the present embodiment Easy segmentation, effective securitisation can be carried out to leased assets.Lessor can select several to have the charter business back of the body The intelligent contract of scape is simultaneously combined together, forms an Assets Pool so that the rent during their overall each observations Cash flow is equal.The assets bag that several time limits are consistent, cash flow is consistent is divided into again.Fig. 5 is refer to, the equipment is rented System of renting 10 can also include regulator's node 600 and investor's node 700.Regulator and financial institution can pass through institute State regulator's node 600 or investor's node 700 accesses the industry block chain to carry out responsible investigation to these assets bags And audit, confirm its authenticity.These assets bags are placed on financial asset exchange by final financial institution transfer-listed, Huo Zhezhi Connect and recommend and sell these assets bags to qualified investor.Lessor obtains the income that leased assets are sold, and investor is determined The rental income of phase.
Further, in the present embodiment, investor's node 700 can be carried by page end or mobile terminal APP For an assets displayed page, the real-time current and tired of the securitization assets that investor is bought is shown in the assets displayed page The situation of Profit of meter, real-time update.The assets displayed page can provide the total revenue of purchased assets, can also support to get by drilling The detailed situation of Profit of bottom assets.The assets displayed page, which can also be shown, corresponding leases the current operation of equipment 400 Condition information, the equipment operation condition is shown by modes such as form, image or videos.
Based on above-mentioned design, the method that the present embodiment is provided can solve the following of existing equipment Lease way presence and lack Fall into:
1. existing equipment Lease way is when carrying out securitisation because information asymmetry causes transaction cost high.It is all at present Asset securitization activity all includes supervision and intermediary, and activity all includes following link, including responsible investigation, product are stepped on Note, securities issue and transaction, information announcing and fund trustship etc..These links and supervision and the presence of intermediary are provided to Solve trust problem between asset sales side and investor problem of information asymmetry in other words.And the cost of these links all can Marry again with seller or investor, therefore raise transaction cost.
The equipment leasing method based on block chain that the present embodiment is provided, because block chain is an open public account Book, and can review and can not distort by the record on cryptological technique support chain.This allows for investor and supervision Mechanism can easily obtain the complete real information relevant with leased assets very much, so that in reducing during asset securitization Jie mechanism quantity, reduces the link of responsible investigation and information announcing, further, reduces the cost of leased assets securitisation.
2. existing equipment Lease way can not complete parttion when carrying out securitisation, it is ensured that standardization.Due to securitisation money Production must be the product of standardization, i.e., require equal income per a security.But this condition is met to be accomplished by renting Assets of renting carry out cutting combination.But the ownership of physical assets can not be split, it is impossible to be sold to many people.If by lease future Rent receivable as assets, there is the potential risk of repetition sale.
The equipment leasing method based on block chain that the present embodiment is provided, it is different according to the rent of different leased assets, can Different cash flows are obtained, by block chain technology, (substantially, intelligent contract is represented the intelligent contract of different leased assets One future profits power, i.e. lease receivable) packed, become a numeral Assets Pool.And it is digital on block chain Assets can be with limitless defense right, therefore these digital asset ponds days on block chain are born with and can be divided into the assets of standardization, so Circulated afterwards on block chain, i.e., arbitrary transaction, mortgage and transmission.Whole process of exchange can be by based on block chain Decentralization transaction in assets system, can also pass through legacy asset exchange.Finally, by cryptological technique, block chain can be with Ensure the uniqueness of digital asset, be not in the feelings that repetition is sold with regard to the whole network publicity once a certain digital asset is sold Condition.
3. existing equipment Lease way is when carrying out securitisation, investor lacks to purchased assets to be controlled.Investor buys The assets of securitisation, but can't see the bottom assets touched less than it, do not know about bottom assets running situation, can not also control these Assets.Although investor have purchased the securitization assets, he has the part ownership of the assets in theory, and he does not have phase The corresponding right to use.So his power is incomplete.
The equipment leasing method based on block chain that the present embodiment is provided, can strengthen control of the investor to assets. The page end or mobile terminal APP displayed page to investor are provided in the present embodiment, the assets displayed page can be carried For the total revenue of purchased assets, it can also support to get the detailed situation of Profit of bottom assets by drilling.The assets displayed page can also Displaying it is corresponding leases the current health information of equipment 400, will lease the operation conditions of equipment 400 by form, image or The modes such as video are shown.
Further, because the digital asset on block chain can realize almost limitless Ground Split, it is possible to achieve one The right to use temporally granularity progress cutting of equipment 400 is leased, so it is bottom assets that each purchase leases equipment 400 with this The investor of security product, can be enjoyed the right to use of one section of clear and definite duration of the leased equipment by part.This right to use can be with Embodied by device node 400 and intelligent contract to leasing the progress remote control of equipment 400.So, this programme is by assets The investor of securitisation leases equipment 400 to purchased assets, and the ownership enjoyed truly has been assigned what is matched The right to use, makes the power of investor more complete.
In summary, the equipment leasing method and system based on block chain that the present invention is provided, using block chain technology, root According to the intelligent contract generated on industry block chain to lessor's account, tenant's account and lease equipment 400 the right to use carry out Automatically control, meanwhile, industry block chain truly pellucidly have recorded the transaction record of lease term.Set in this way, realizing and leasing Standby 400 and automation and intelligentification management and disclosure, the transparent, record that can review, can not distort of process of exchange of Rent Trading, The efficiency of lease trade management or audit can be improved.
, can also be by other in embodiment provided herein, it should be understood that disclosed apparatus and method Mode realize.Device embodiment described above is only schematical, for example, the flow chart and block diagram in accompanying drawing are shown According to the device, the architectural framework in the cards of method and computer program product, function of multiple embodiments of the present invention And operation.At this point, each square frame in flow chart or block diagram can represent one of a module, program segment or code Point, a part for the module, program segment or code is used to realize the executable of defined logic function comprising one or more Instruction.It should also be noted that in some implementations as replacement, the function of being marked in square frame can also be with different from attached The order marked in figure occurs.For example, two continuous square frames can essentially be performed substantially in parallel, they also may be used sometimes To perform in the opposite order, this is depending on involved function.It is also noted that each in block diagram and/or flow chart The combination of square frame and the square frame in block diagram and/or flow chart, can with function or action as defined in performing it is special based on The system of hardware is realized, or can be realized with the combination of specialized hardware and computer instruction.
In addition, each functional module in each embodiment of the invention can integrate to form an independent portion Point or modules individualism, can also two or more modules be integrated to form an independent part.
If the function is realized using in the form of software function module and is used as independent production marketing or in use, can be with It is stored in a computer read/write memory medium.Understood based on such, technical scheme is substantially in other words The part contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter Calculation machine software product is stored in a storage medium, including some instructions are to cause a computer equipment (can be individual People's computer, server, or network equipment etc.) perform all or part of step of each of the invention embodiment methods described. And foregoing storage medium includes:USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
It should be noted that herein, such as first and second or the like relational terms are used merely to a reality Body or operation make a distinction with another entity or operation, and not necessarily require or imply these entities or deposited between operating In any this actual relation or order.Moreover, term " comprising ", "comprising" or its any other variant are intended to Nonexcludability is included, so that process, method, article or equipment including a series of key elements not only will including those Element, but also other key elements including being not expressly set out, or also include being this process, method, article or equipment Intrinsic key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that Also there is other identical element in process, method, article or equipment including the key element.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.

Claims (10)

1. a kind of equipment leasing method based on block chain, it is characterised in that applied to including tenant's node, lessor's node And the equipment leasing system of device node, tenant's node, lessor's node and device node carry out distributed book keeping operation shape Into industry block chain, the device node is used to be managed to leasing equipment according to the accounting information on the industry block chain Reason;Methods described includes:
Lessor's node generates intelligent contract according to the Tenancy Agreement of lessor and tenant, and in the industry block chain The upper deployment intelligent contract, the intelligent contract includes a default account specified threshold;
The device node obtains the block chain accounts information of the tenant of the record on the industry block chain, and judges described Whether the block chain account virtual currency balance of tenant is less than the account specified threshold;
The device node is right when the block chain account virtual currency balance of the tenant is less than the account specified threshold The operation function for leasing equipment is limited;
The device node when the block chain account virtual currency balance of the tenant is not less than the account specified threshold, Equipment is leased described in control permission normally to run;
The device node leases the intelligent contract of running situation triggering of equipment to the tenant and lessor according to Block chain account carries out corresponding rent ideal money transfer operation, and the accounting information of the ideal money transfer operation is public Cloth is to the industry block chain.
2. according to the method described in claim 1, it is characterised in that the equipment leasing system also includes bank node, described Method also includes:
The bank node obtains the accounting information on the industry block chain, according to the accounting information is to lessor and charters The bank account of people performs corresponding actual rent transfer operation.
3. method according to claim 2, it is characterised in that methods described also includes:
The bank node obtains the true fund transition information of tenant's bank account, according to the true fund transition information Generation accounting information is simultaneously published to the industry block chain, and the block chain accounts information of the tenant is updated.
4. method according to claim 3, it is characterised in that methods described also includes:
Bank node obtains the block chain accounts information of the tenant and lessor in advance, by the tenant and lessor Block chain account is associated with the bank account of the tenant and lessor respectively.
5. according to the method described in claim 1, it is characterised in that block chain account of the device node in the tenant Virtual currency balance be less than the account specified threshold when, the step of limiting the operation function for leasing equipment, Including:
The block chain account virtual currency balance that the device node detects the tenant is less than the account specified threshold When, early warning information is sent, notifies tenant to restore balance, and starts the first timing;
When first timing reaches the first preset duration, the block chain account of the tenant is detected again;
If the block chain account virtual currency balance of the tenant is not less than the account specified threshold, cancels the early warning and carry Show information, maintain described in lease the normal operation of equipment;
If the block chain account virtual currency balance of the tenant is less than the account specified threshold, to the equipment of leasing Part operation function is limited, and is sent early warning information, is notified tenant to restore balance again, and starts the second meter When;
When second timing reaches the second preset duration, the block chain account of the tenant is detected again;
If the block chain account virtual currency balance of the tenant is not less than the account specified threshold, cancels and being rented to described Go out the limitation of equipment operation function;
If the block chain account virtual currency balance of the tenant is less than the account specified threshold, equipment is leased to described Whole operation functions limited.
6. according to the method described in claim 1, it is characterised in that methods described also includes:
The device node detects whether the node can be led to at least one other node in the industry block chain News;
Detect the device node can not any node communication in the industry block chain when, lease equipment described in limitation All operation functions.
7. according to the method described in claim 1, it is characterised in that methods described also includes:
The block chain account of tenant is created on the industry block chain;
The initial value of the block chain account of the tenant is set according to the bank account balances of the tenant.
8. method according to claim 7, it is characterised in that the block chain account of the tenant is included according to numeral label The public key of name algorithm generation;Lessor's node is generated according to the agreement of lessor and tenant on the industry block chain Intelligent contract and the step of announce, including:
Generate on the industry block chain intelligent contract according to the agreement of lessor and tenant, and by each issue rent, lease The public key information of the block chain account of time limit and the lessor and tenant and other described intelligent contracts of agreement write-in.
9. according to the method described in claim 1, it is characterised in that methods described also includes:
The device node obtains the health information for leasing equipment, and by the running situation information announcement to the industry On block chain.
10. a kind of equipment leasing system based on block chain, it is characterised in that the system includes tenant's node, lessor Node, bank node and device node, tenant's node, lessor's node, bank node and device node are distributed Formula keeps accounts to form industry block chain, and the device node is used for according to the accounting information on the industry block chain to leasing equipment It is managed;
Lessor's node is used to generate intelligent contract according to the Tenancy Agreement of lessor and tenant, and in the industry area The intelligent contract is disposed on block chain, the intelligent contract includes a default account specified threshold;
The device node obtains the block chain accounts information of the tenant of the record on the industry block chain, and judges described Whether the block chain account virtual currency balance of tenant is less than the account specified threshold;In the block chain account of the tenant When family virtual currency balance is less than the account specified threshold, the operation function for leasing equipment is limited;Described When the block chain account virtual currency balance of tenant is not less than the account specified threshold, equipment is being leased just described in control permission Often operation;And block chain account of the intelligent contract to the tenant and lessor is triggered according to the running situation for leasing equipment Family carries out corresponding rent ideal money transfer operation, and the accounting information of the ideal money transfer operation is published to described Industry block chain;
The bank node obtains the accounting information on the industry block chain, according to the accounting information is to lessor and charters The bank account of people performs corresponding actual rent transfer operation.
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Application publication date: 20170922