CN107220896A - A kind of financing by accounts receivable based on block chain technology - Google Patents

A kind of financing by accounts receivable based on block chain technology Download PDF

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Publication number
CN107220896A
CN107220896A CN201710268612.2A CN201710268612A CN107220896A CN 107220896 A CN107220896 A CN 107220896A CN 201710268612 A CN201710268612 A CN 201710268612A CN 107220896 A CN107220896 A CN 107220896A
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CN
China
Prior art keywords
financing
accounts receivable
enterprise
block chain
chain technology
Prior art date
Application number
CN201710268612.2A
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Chinese (zh)
Inventor
吴思进
Original Assignee
杭州复杂美科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 杭州复杂美科技有限公司 filed Critical 杭州复杂美科技有限公司
Priority to CN201710268612.2A priority Critical patent/CN107220896A/en
Publication of CN107220896A publication Critical patent/CN107220896A/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/64Protecting data integrity, e.g. using checksums, certificates or signatures
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Investment, e.g. financial instruments, portfolio management or fund management
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/125Finance or payroll

Abstract

The invention discloses a kind of financing by accounts receivable based on block chain technology, the each behavior financed with signature hash mode to sales contract and funds on account, which is all recorded, saves from damage to get off, and record, financing record will write block chain per transaction, it is ensured that it can not be forged, distort.Traditional accounts receivable Xi System data can be changed by the platform side of centralization, reliability it cannot be guaranteed that, and can ensure the beneficial effect that data can not be changed arbitrarily using block chain.

Description

A kind of financing by accounts receivable based on block chain technology
Technical field
The present invention relates to technical field of data processing, more particularly to a kind of method and system of transaction record.
Background technology
Core enterprise's upstream and downstream firms are numerous, the statistics, maintenance cost for data such as the accounts receivable of every enterprise compared with It is high.Every financing application of supply enterprise is, it is necessary to set up under real trade background, by writing block chain, it is ensured that core Enterprise, fund provider, every transaction record of supply enterprise can not be forged, distorted.
The content of the invention
The technical solution adopted in the present invention is:The invention discloses a kind of financing by accounts receivable block catenary system, with label Each behavior that name hash mode is financed to sales contract and funds on account, which is all recorded, saves from damage to get off, and will record, melt per transaction Money record write-in block chain, it is ensured that it can not be forged, distort.
The technical solution adopted in the present invention is:
1st, the whole financing by accounts receivable pattern based on block chain technology, by operator(Operate the role that token granting is withdrawn)、 Core enterprise, financing enterprise, credit requirement side(Core enterprise's upstream and downstream firms)And fund provider(Bank or financial machine Structure)Constitute.
2nd, platform operation side's distribution accounts receivable token and clearing token, as settling accounts coin in system.Different cores Enterprise, the different accounts receivable token of correspondence;Different financing enterprises, the different accounts receivable token of correspondence;Settle accounts token pair Answer RMB fund be used for and accounts receivable token exchange;The accounts receivable token of financing enterprise is non-assignable, and only enterprise is in itself Use.
3rd, all participants need registration to log in credit financing platform institute, real-name authentication, and binding public key completes ca authentication.
4th, core enterprise and financing enterprise can all upload accounts receivable and contract and confirm to other side, and other side checks accounts receivable Information and contract carry out Signature Confirmation to it, and both sides sign the then execution of contract.Accounts receivable key message(Credits enterprise, debt It is engaged in enterprise, funds on account date, due date etc.)And uploader identity Hash and contract cryptographic Hash write-in block chain.
5th, by block chain technology, unique contract cryptographic Hash will be calculated per a contract with AES.If will Contract at discretion content is distorted, the contract cryptographic Hash after change will be different with contract cryptographic Hash before.
6th, the receivables record come into force submits platform to audit automatically, and its authenticity is investigated by platform, confirms errorless rear careful Core passes through, and accounts receivable token is provided to the public key address of financing enterprise.
7th, financing enterprise applies financing to fund provider, may be selected to push scope:Orient enterprise, buddy list, whole.
8th, fund provider offers for it(Fill in the information such as finance, date of making loans, interest rate of making loans), financing enterprise determine with Which enterprise strikes a bargain.
9th, after reaching an agreement, financing enterprise notifies core enterprise's accounts receivable credits to transfer the possession of, and fund provider is financing Enterprise makes loans, and the core enterprise that expires pays accounts receivable and gives fund provider.
10th, fund provider/core enterprise supplements platform bank card number with money, can be sent out after detecting to the public key address of user Corresponding clearing token is put, fund provider is used to make loans to loan enterprises, core enterprise is used to refund to fund provider.
11st, fund provider obtains the clearing token selection drawing of core enterprise's refund, and platform deducts it and settles accounts token simultaneously To be withdrawn deposit remittance abroad.
12nd, funds on account financing record.Financing enterprise applies for that generation accounts receivable is melted after both sides reach an agreement to fund provider Money record.Record cryptographic Hash and financing record key message(Credits enterprise, debt enterprise, fund side, the amount of money of making loans, deal with Date, state etc.)Write block chain.
If the 13, core enterprise, which refunds, overdue not also accounts receivable behavior, will be overdue record(Overdue number of days, overdue profit Breath, default interest, repayment amount etc.)Write block chain.
14th, the overdue record of core enterprise(Overdue number of days, delayed repayment interest, default interest, repayment amount etc.)It can be carried as evidence Give judicial department's prosecution.
Compared with prior art, the beneficial effects of the invention are as follows
The purpose of the present invention is that each behavior when being merchandised using the mode for the hash that signs to merchandising or signing a contract all records guarantor Get off entirely, effectively save the real processes of whole trading activity, it is ensured that authenticity and integrity.Traditional accounts receivable system System data can be changed by the platform side of centralization, reliability it cannot be guaranteed that, and can ensure that data can not be random using block chain The beneficial effect of modification.
Brief description of the drawings
Fig. 1 is a kind of explanation figure of block chain financing by accounts receivable system.
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.Based on the embodiment in the present invention, those of ordinary skill in the art The every other embodiment obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
The present invention is further described below in conjunction with the accompanying drawings.
Step 1, each behavior financed with signature hash mode to sales contract and funds on account, which is all recorded, saves from damage to get off, and Record, financing record block chain will be write per transaction, it is ensured that it can not be forged, distort.
Step 2, the financing by accounts receivable pattern entirely based on block chain technology, by operator(Token granting is operated to withdraw Role), core enterprise, financing enterprise, credit requirement side(Core enterprise's upstream and downstream firms)And fund provider(Bank or Financial institution)Constitute.
Step 3, platform operation side's distribution accounts receivable token and clearing token, as settling accounts coin in system.Different Core enterprise, the different accounts receivable token of correspondence;Different financing enterprises, the different accounts receivable token of correspondence;Settle accounts generation Coin correspondence RMB fund is used for and accounts receivable token is exchanged;The accounts receivable token of financing enterprise is non-assignable, only enterprise Itself is used.
Step 4, all participants need registration to log in credit financing platform institute, real-name authentication, and binding public key completes CA Certification.
Step 5, core enterprise and financing enterprise can all upload accounts receivable and contract and give other side's confirmation, and other side checks receivable Accounts receivable information and contract carry out Signature Confirmation to it, and both sides sign the then execution of contract.Accounts receivable key message(Credits are looked forward to Industry, debt enterprise, funds on account date, due date etc.)And uploader identity Hash and contract cryptographic Hash write-in block chain.
Step 6, by block chain technology, treaty content, the digital signature of user, signing temporal calculation are gone out to close with algorithm Same cryptographic Hash.Because the value that the different particulars of a contract, contractor, time produce is unique, if so to distort contract letter Breath, the contract cryptographic Hash after change will be different with contract cryptographic Hash before.
Step 7, the receivables record come into force submits platform to audit automatically, and its authenticity is investigated by platform, confirms errorless Examination & verification passes through afterwards, and accounts receivable token is provided to financing enterprise.
Step 8, financing enterprise applies financing to fund provider, may be selected to push scope:Orient enterprise, buddy list, All.
Step 9, fund provider offers for it(Fill in the information such as finance, date of making loans, interest rate of making loans), financing enterprise is true Fixed and which enterprise strikes a bargain.
Step 10, after reaching an agreement, financing enterprise notifies core enterprise's accounts receivable credits to transfer the possession of, and fund provider is Financing enterprise is made loans, and the core enterprise that expires pays accounts receivable and gives fund provider.
Step 11, fund provider/core enterprise supplements platform bank card number with money, public key that can be to user after detecting Corresponding clearing token is provided in location, and fund provider is used to make loans to loan enterprises, and core enterprise is used for fund provider also Money.
Step 12, fund provider obtains the clearing token selection drawing of core enterprise's refund, and platform deducts clearing token And the remittance abroad that will withdraw deposit.
Step 13, funds on account financing record.Financing enterprise applies for that receipt on account is answered in generation after both sides reach an agreement to fund provider Money financing record.Record cryptographic Hash and financing record key message(Credits enterprise, debt enterprise, fund side, the amount of money of making loans, Due date, state etc.)Write block chain.
Step 14, will be overdue record if core enterprise, which refunds, overdue not also accounts receivable behavior(Overdue number of days, exceed Phase interest, default interest, repayment amount etc.)Write block chain.
Step 15, the overdue record of core enterprise(Overdue number of days, delayed repayment interest, default interest, repayment amount etc.)Card can be used as Prosecuted according to judicial department is submitted to.
Compared with prior art, the beneficial effects of the invention are as follows
The purpose of the present invention is that each behavior when being merchandised using the mode for the hash that signs to merchandising or signing a contract all records guarantor Get off entirely, effectively save the real processes of whole trading activity, it is ensured that authenticity and integrity.Traditional accounts receivable system System data can be changed by the platform side of centralization, reliability it cannot be guaranteed that, and can ensure that data can not be random using block chain The beneficial effect of modification.

Claims (15)

1. a kind of financing by accounts receivable based on block chain technology, it is characterised in that:With signature hash mode to sales contract The each behavior financed with funds on account, which is all recorded, saves from damage to get off, and record, financing will record write-in block chain per transaction, it is ensured that its It can not be forged, distort.
2. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Entirely it is based on block The financing by accounts receivable pattern of chain technology, by operator(Operate the role that token granting is withdrawn), core enterprise, financing enterprise, Credit requirement side(Core enterprise's upstream and downstream firms)And fund provider(Bank or financial institution)Constitute.
3. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Send out platform operation side Row accounts receivable token and clearing token, as settling accounts coin in system.Different core enterprises, the different accounts receivable of correspondence Token;Different financing enterprises, the different accounts receivable token of correspondence;Clearing token correspondence RMB fund is used for and answers receipt on account Money token is exchanged;The accounts receivable token of financing enterprise is non-assignable, and only enterprise uses in itself.
4. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:All participants exist Registration is needed to log in credit financing platform institute, real-name authentication, binding public key completes ca authentication.
5. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Core enterprise and Financing enterprise can all upload accounts receivable and contract and confirm to other side, and other side checks that accounts receivable information and contract are signed to it Name confirms that both sides sign the then execution of contract.Accounts receivable key message(Credits enterprise, debt enterprise, the funds on account date, deal with Date etc.)And uploader identity Hash and contract cryptographic Hash write-in block chain.
6. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Pass through block chain skill Art, unique contract cryptographic Hash will be calculated with AES per a contract.If contract at discretion content is distorted, after change Contract cryptographic Hash will be different with contract cryptographic Hash before.
7. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:What is come into force is receivable Funds on account record is automatic to submit platform examination & verification, investigates its authenticity by platform, examination & verification passes through after confirmation is errorless, to financing enterprise granting Accounts receivable token.
8. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Financing enterprise is to money Golden provider's application financing, may be selected to push scope:Orient enterprise, buddy list, whole.
9. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Fund provider is It is offered(Fill in the information such as finance, date of making loans, interest rate of making loans), financing enterprise is determined and which enterprise strikes a bargain.
10. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:After reaching an agreement, Financing enterprise notifies core enterprise's accounts receivable credits to transfer the possession of, and fund provider makes loans for financing enterprise, and expire core enterprise Pay accounts receivable and give fund provider.
11. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Fund provider/ Core enterprise supplements platform bank card number with money, can provide corresponding clearing token after detecting to user, and fund provider is used for Made loans to loan enterprises, core enterprise is used to refund to fund provider.
12. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Fund provider The clearing token selection for obtaining core enterprise's refund is withdrawn deposit, and platform deducts clearing token and the remittance abroad that will withdraw deposit.
13. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Funds on account financing note Record.Financing enterprise applies for that generation financing by accounts receivable is recorded after both sides reach an agreement to fund provider.Record cryptographic Hash and Financing record key message(Credits enterprise, debt enterprise, fund side, the amount of money of making loans, due date, state etc.)Write block Chain.
14. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:If core enterprise Refund has overdue not also accounts receivable behavior, will be overdue record(Overdue number of days, delayed repayment interest, default interest, repayment amount etc.)Write Enter block chain.
15. the financing by accounts receivable according to claim 1 based on block chain technology, it is characterised in that:Core enterprise Overdue record(Overdue number of days, delayed repayment interest, default interest, repayment amount etc.)Judicial department's prosecution can be submitted to as evidence.
CN201710268612.2A 2017-04-23 2017-04-23 A kind of financing by accounts receivable based on block chain technology CN107220896A (en)

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Cited By (13)

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CN107341730A (en) * 2017-07-14 2017-11-10 贵阳翼帆金融科技股份有限公司 A kind of method and device that fund is declared using digital draft
CN108038781A (en) * 2017-12-05 2018-05-15 安徽海汇金融投资集团有限公司 A kind of accounts receivable credits voucher(Contract)Flow system
CN108399510A (en) * 2018-04-16 2018-08-14 法信公证云(厦门)科技有限公司 A kind of Contract Risk management-control method and equipment
CN108876615A (en) * 2018-06-11 2018-11-23 腾讯科技(深圳)有限公司 Credits date storage method, device, equipment and medium
CN109034999A (en) * 2018-06-15 2018-12-18 杭州复杂美科技有限公司 Loan method and system, equipment and storage medium
CN109087190A (en) * 2018-06-08 2018-12-25 阿里巴巴集团控股有限公司 A kind of financing loan method and apparatus
CN109377208A (en) * 2018-10-24 2019-02-22 天津理工大学 A kind of wisdom chemical industrial park credit payment based on block chain and circulation method
CN109377352A (en) * 2018-10-24 2019-02-22 天津工业大学 A kind of wisdom chemical industrial park data increasing letter method based on block chain
CN109559233A (en) * 2019-01-16 2019-04-02 杭州趣链科技有限公司 A kind of real estate supply chain accounts receivable transfer system based on block chain
CN109767219A (en) * 2019-01-11 2019-05-17 深圳市链联科技有限公司 A kind of accounts receivable circulation method based on block chain technology
CN109785145A (en) * 2019-01-24 2019-05-21 易保互联医疗信息科技(北京)有限公司 Fixed point pharmacy financing method, storage medium and computer equipment based on block chain
CN109977274A (en) * 2019-03-31 2019-07-05 杭州复杂美科技有限公司 A kind of data query and verification method, system, equipment and storage medium
CN112232949A (en) * 2020-12-07 2021-01-15 国网电子商务有限公司 Block chain-based loan risk prediction method and device

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Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107341730A (en) * 2017-07-14 2017-11-10 贵阳翼帆金融科技股份有限公司 A kind of method and device that fund is declared using digital draft
CN108038781A (en) * 2017-12-05 2018-05-15 安徽海汇金融投资集团有限公司 A kind of accounts receivable credits voucher(Contract)Flow system
CN108399510A (en) * 2018-04-16 2018-08-14 法信公证云(厦门)科技有限公司 A kind of Contract Risk management-control method and equipment
WO2019233126A1 (en) * 2018-06-08 2019-12-12 阿里巴巴集团控股有限公司 Financing and loaning method and device
CN109087190A (en) * 2018-06-08 2018-12-25 阿里巴巴集团控股有限公司 A kind of financing loan method and apparatus
CN110363665A (en) * 2018-06-11 2019-10-22 腾讯科技(深圳)有限公司 Credits data processing method, device, equipment and medium
CN108876615A (en) * 2018-06-11 2018-11-23 腾讯科技(深圳)有限公司 Credits date storage method, device, equipment and medium
CN109034999A (en) * 2018-06-15 2018-12-18 杭州复杂美科技有限公司 Loan method and system, equipment and storage medium
CN109377208A (en) * 2018-10-24 2019-02-22 天津理工大学 A kind of wisdom chemical industrial park credit payment based on block chain and circulation method
CN109377352A (en) * 2018-10-24 2019-02-22 天津工业大学 A kind of wisdom chemical industrial park data increasing letter method based on block chain
CN109767219A (en) * 2019-01-11 2019-05-17 深圳市链联科技有限公司 A kind of accounts receivable circulation method based on block chain technology
CN109559233A (en) * 2019-01-16 2019-04-02 杭州趣链科技有限公司 A kind of real estate supply chain accounts receivable transfer system based on block chain
CN109785145A (en) * 2019-01-24 2019-05-21 易保互联医疗信息科技(北京)有限公司 Fixed point pharmacy financing method, storage medium and computer equipment based on block chain
CN109785145B (en) * 2019-01-24 2021-03-23 易保互联医疗信息科技(北京)有限公司 Fixed-point drugstore financing method based on block chain, storage medium and computer equipment
CN109977274A (en) * 2019-03-31 2019-07-05 杭州复杂美科技有限公司 A kind of data query and verification method, system, equipment and storage medium
CN112232949A (en) * 2020-12-07 2021-01-15 国网电子商务有限公司 Block chain-based loan risk prediction method and device

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Application publication date: 20170929