CN107977811A - A kind of logistics finance management system and method based on block chain technology - Google Patents

A kind of logistics finance management system and method based on block chain technology Download PDF

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CN107977811A
CN107977811A CN201711173605.0A CN201711173605A CN107977811A CN 107977811 A CN107977811 A CN 107977811A CN 201711173605 A CN201711173605 A CN 201711173605A CN 107977811 A CN107977811 A CN 107977811A
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block chain
platform
information
credit
fund
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冯雷
杜兵
杨浩峰
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Hefei Weitian Yuntong Information Science & Technology Co Ltd
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Hefei Weitian Yuntong Information Science & Technology Co Ltd
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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
    • G06Q10/00Administration; Management
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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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention discloses a kind of logistics finance management system based on block chain technology, it is related to logistics financing management technical field.Including block chain underlying platform, block chain underlying platform foretells that machine carries out information exchange with credit investigation system, supervisory systems, service platform, Oracle respectively by data transfer and memory module;Credit investigation system is connected with bank reference system, ant credit investigation system and personal credit system respectively;Service platform carries out the transmission of data by data transmission module and terminal device.The effect that the present invention passes through block chain underlying platform, credit investigation system, supervisory systems and service platform, the problem of solving recycling risk height, information that is opaque, being difficult to more inexpensive, the safer fund aspect of acquisition, the shortage regulatory measure of loan market information of existing debt-credit principal and interest, and causing to be unfavorable for local economic development.

Description

A kind of logistics finance management system and method based on block chain technology
Technical field
The invention belongs to logistics financing management technical field, finances more particularly to a kind of logistics based on block chain technology Management system and method.
Background technology
2016, Chinese social logistics total cost was 11.1 trillion yuans;But in logistic industry, account for the medium and small thing of main body Stream company and individual practitioner are because the ability and management state of itself, and be in a disadvantageous position position in the industry, and in addition, industry is universal General rule with account phase length;Most of medium and small loglstics enterprise and individual practitioner are general lack of turnover and circulating fund;Greatly Amount resident and enterprise gather around to have much idle capital and nowhere invest again, or investment return is poor;Logistic industry can be to possessing fund Enterprise and personal debt-credit among the people, because opaque, the shortage of two-sided information are trusted, also still have certain money to fund owning side Golden risk, carries capital loan side excessive capital use cost.
Analysis is that the nongovernmental fund that full-service bank system is unwilling to set foot in circulates above, and this debt-credit is to a certain extent Solve the problems, such as the circulation of loglstics enterprise short-term capital, but in operation, there is also it is many defects of, be described below:
1st, first, this nongovernmental fund debt-credit is free on state supervision border always, carries out excessive interest, forms usury Borrow, cause bad, pernicious debt-credit environment;
2nd, secondly, for fund lending side, fund security hardly results in guarantee, although can be to debt-credit when lending fund Object carries out most tune, but is difficult to obtain comprehensive, real debtor's effective information, so, borrow or lend money the recycling of principal and interest It often cannot be guaranteed, add capital use cost and close rule risk;
3rd, for credit requirement side, the interest cost height of fund is on the one hand obtained, it is at compound interest, along with enterprise in itself Business risk, tends not to repay capital with interest, and the bankruptcy for accelerating loglstics enterprise on the contrary is managed in debt-credit;On the other hand, because debt-credit Market information it is opaque, loglstics enterprise contact surface is limited, it is difficult to obtains more inexpensive, safer fund side's information.
4th, for government organs, because personalized lending information is opaque, regulatory measure is lacked, it is difficult to supervise, often Generation is social, mass-sending sexual behavior event, influences social stability, is unfavorable for the development of local economy.
The content of the invention
It is an object of the invention to provide a kind of logistics finance management system and method based on block chain technology, for thing The huge potential market in popular industry legitimate loan market among the people and demand, while based on the analysis to the market status, pass through block Chain technology, has the advantages that logistics capital loan both sides reference and loan market, security, can trace and can supervise, and leads to The effect of block chain underlying platform, credit investigation system, supervisory systems and service platform is crossed, solves existing debt-credit principal and interest Information that is opaque, being difficult to more inexpensive, the safer fund aspect of acquisition, the shortage of recycling risk height, loan market information Regulatory measure, and the problem of cause to be unfavorable for local economic development.
In order to solve the above technical problems, the present invention is achieved by the following technical solutions:
The present invention is a kind of logistics finance management system based on block chain technology, including block chain underlying platform;
The block chain underlying platform carries out information exchange by data transfer and memory module with credit investigation system;The sign Letter system is connected with bank reference system, ant credit investigation system and personal credit system respectively;The block chain underlying platform leads to Cross data transfer and memory module and carry out information exchange with supervisory systems;The block chain underlying platform is by data transfer and deposits Store up module and carry out information exchange with service platform;The block chain underlying platform passes through data transfer and memory module and Oracle Prophesy machine carries out information exchange;The service platform carries out the transmission of data by data transmission module and terminal device.
Further, the credit investigation system exports personal Query Information, the bank reference system to bank reference system Personal reference information is exported to credit investigation system;The credit investigation system exports personal Query Information, the ant to ant credit investigation system Ant credit investigation system exports personal reference information to credit investigation system;The credit investigation system exports personal inquiry letter to personal credit system Breath, the personal credit system export personal reference information to credit investigation system.
Further, the supervisory systems receives the flow-data information of the fund of block chain underlying platform;Supervisory systems Effect be that national structure by open supervision port, can in real time, effectively supervise the flow condition of fund, in time It was found that illegal, money laundering class and the Capital Flow for having security risk, effectively ensure state fund safety and social stability.
Further, Oracle prophesy machine by block chain underlying platform, credit investigation system establish fund lending side and The reference information of credit requirement side, and carry out determining for final information.
Further, the service platform is provided to exchange for fund lending side and credit requirement side by terminal device and put down Platform;The fund lending side and credit requirement side carry out online exchange, negotiation condition by terminal device, service platform;Handing over During easy both sides' negotiation, Oracle foretells that machine passes through block chain underlying platform calling backstage bank, the transaction data pair of transaction platform The true and false judgement of Transaction Information, there is provided trade decision is supported.
Further, the block chain underlying platform includes backstage bank and transaction platform;The backstage bank with Oracle prophesy machines carry out the transmission of data;The transaction platform carries out the transmission of data with Oracle prophesy machines;
The block chain underlying platform uses ether side's platform of distributed mobile application;The block chain underlying platform leads to Cross the page end of terminal device and APP modes carry out logistics fund supply and demand information and issue, bring together, merchandise.
Further, block chain Floor layer Technology uses ether mill platform;Application layer can use unified and open interface platform, All kinds of reference platforms and train of mechanism are docked, front end can use page end or APP;With guarantee fund lending side and debt-credit side Supply-demand information is issued whenever and wherever possible, exchange in real time, is inquired about the characteristics of each side's reference information.
Further, block chain underlying platform is a kind of based on cryptological technique, in a manner of decentralization, to big Amount data carry out tissue and the data structure safeguarded, it is possible to understand that into distributed an account book or database, each block Some or all of newest Transaction Informations can be all included above.Block chain is substantially to solve person to person by teaching aid puzzle Between be worth interaction trust and fairness problem.
Further, the point-to-point means of payment that block chain underlying platform can be carried by system realize fund flow; Block chain underlying platform can know together according to both sides of supply and demand, form certain intelligent contract, realize that interest calculates and by about automatically Timing is imitated realizes that breath is repaid in the fund repayment of principal automatically;Block chain underlying platform can receive fund both sides of supply and demand certain guarantor that honours an agreement initial stage Card is golden (can be token form), to ensure that effective capital loan circulates.
Further, block chain underlying platform can use distributed service technology, and supplementing original capital loan can only collect In in state-owned and business bank's system, effectively release substantial amounts of nongovernmental fund, realize that social capital effectively circulates, increase money Golden mobility and social economy's vigor, while can solve to be dispersed in various regions again, have the logistics company generally existing of different demands Lack of capital and finance without door, financing risk is big, interest is high the problem of;By distributed page end and APP operation systems, Fund both sides of supply and demand can issue supply-demand information, system and centralization pipe of the information independent of any centralization whenever and wherever possible Mechanism is managed, ensures maximization and the marketization that supply and demand information is propagated;The rights and duties of arbitrary node are all impartial in the present invention , the data block in system is safeguarded jointly by the node with maintenance function in whole system.
Further, block chain underlying platform is open, in addition to the private information of fund both sides of supply and demand is encrypted, its It merchandise reach data, reputation data discloses owner, anyone can by disclosed interface polls collage-credit data and Develop related application, therefore whole system information highly transparent.
Further, block chain underlying platform uses the institute caused based on consensus specification and agreement in whole system There is node can be in the exchange data of the free safety of the environment that going to trust so as to make the letter to machine into the trust of " people " Appoint, any artificial intervention does not work, the problem of having prevented reference fraud, artificial corruption.
Further, the capital loan information in block chain underlying platform is verified once passing through and is added to block chain, just Permanent it can store, unless the node in system more than 51% can be controlled, otherwise to data on individual node at the same time The modification in storehouse is invalid, therefore the data stability and reliability merchandised are high.So this be also one kind with technological means solution The method for contract dispute of having determined.
Further, block chain underlying platform follows fixed algorithm due to the exchange between node, its data interaction is Without what is trusted, therefore counterparty need not allow other side to produce trust to oneself by way of public identity, and credit is tired out Product is very helpful;It is, there are the unit of demand, government organs, individual obtaining node mandate to capital loan data In the case of, debt-credit data are directly inquired about or called to the key that can be distributed by system, can effectively realize that fund compliance is supervised.
A kind of logistics financing management method based on block chain technology, including management method are as follows:
SS01 funds lending side by terminal device, service platform to block chain underlying platform finance of export information provision, Credit requirement side is by terminal device, service platform respectively to block chain underlying platform finance of export demand information;
Block chain underlying platform described in SS02 carries out credit to fund lending side, credit requirement side by credit investigation system and comments Estimate, the information of the block chain underlying platform offer to fund lending side, credit requirement side respectively is verified;
Block chain underlying platform described in SS03 carries out the supply and demand of logistics fund by the page end and APP modes of terminal device to be believed Breath issue;
Service platform described in SS04 is according to logistics fund supply and demand information to credit requirement side's finance of export information provision;It is described Service platform is according to logistics fund supply and demand information to fund lending side's finance of export demand information;
SS05 funds lending side and credit requirement side carry out online exchange, negotiation condition by terminal device, service platform, Oracle foretell machine by block chain underlying platform call backstage bank, transaction platform transaction data to the true and false of Transaction Information Judge, there is provided trade decision is supported;
Block chain underlying platform described in SS06 completes the friendship of logistics fund by the page end and APP modes of terminal device Easily;
Supervisory systems described in SS07 receives the flow-data information of the fund of block chain underlying platform, and block chain bottom is put down The Capital Flow situation of platform is supervised.
The invention has the advantages that:
1st, the present invention is by block chain technology, have logistics capital loan both sides reference and loan market, security, The advantages of can tracing and can supervising, pass through the effect of block chain underlying platform, credit investigation system, supervisory systems and service platform, solution Determined existing debt-credit principal and interest recycling risk it is high, it is loan market information it is opaque, be difficult to that acquisition is more inexpensive, more pacifies The information of full fund aspect, lack regulatory measure, and the problem of cause to be unfavorable for local economic development.
2nd, fund supplier is saved to a large amount of dam site investigations of loglstics enterprise reference, verification personnel, before lending fund before To the greatest extent adjust, need to take a significant amount of time, manpower and materials carry out the investigation of credit requirement side, but because its credit data be dispersed in it is multiple and different Mechanism body, it is impossible to effectively obtain, meanwhile, limited time is adjusted to the greatest extent at scene, it is impossible to which effectively discovery is true, comprehensively borrows or lends money Fang Zheng Letter and operation information;By using the prophesy machine technology based on ether mill block chain, we can not intervene each credit information service, In the case of company's core profit, data ownership, corresponding reference, the management data of logistics company are rationally and effectively introduced.
3rd, the conjunction rule nongovernmental fund debt-credit under controllable:With price rise, effective use of fund is to preserving value, rising in value to pass It is important, in the case where tradition deposit, investment return are limited, fund is lent public to the business entity for having active demand such as logistics Department so needs the company of fund, between being borrowed between tradition deposit and illegal interest among the people, can obtain one it is relatively preferable Ground income, lacks effective risk control and income mechanism before;By the technology based on block chain, center is gone with one kind The operation system of change and intelligent contract automated execution mechanism, can effectively realize the security and income of use of funds.
4th, the fair capital loan of the marketization under controllable:For credit requirement side as logistics company, between because Capital market it is opaque, often can not find suitable debt-credit object, block finiteness, the individual for being embodied in debt-credit object are limited Property and cost right to speak missing;So, this balance system based on block chain now, what it is independent of any centralization is System and mechanism, all kinds of fund sides that credit requirement side can be limited towards no region, time, type, fund supply side embodies A kind of socialization, maximization, this necessarily leads to a kind of fair competition, so as to effectively realize the loan interest marketization and cost drop It is low.
5th, the capital market supervision under controllable:For government monitoring agencies, on the one hand to realize that social funds are effective Circulation, produces best business efficiency, promotes socio-economic development, on the other hand ensures legal, the safety of social funds again Circulation, safeguards economic and social stability;Traditional nongovernmental fund is borrowed or lent money, many circulations are all undergrounds;It is this to be based on block chain Distributed business system, government monitoring agencies are opened with supervision port, it is possible to achieve trans-regional, real-time, come into the open, can not usurp The supervision changed, can be better achieved nongovernmental fund and disclose, safely, effectively supervise.
Certainly, implement any of the products of the present invention and do not necessarily require achieving all the advantages described above at the same time.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, embodiment will be described below required Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for ability For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached Figure.
Fig. 1 is to disclose a kind of logistics finance management system figure based on block chain technology.
Embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, those of ordinary skill in the art are obtained all other without creative efforts Embodiment, belongs to the scope of protection of the invention.
Refering to Figure 1, the present invention is a kind of logistics finance management system based on block chain technology, including block chain Underlying platform;
Block chain underlying platform carries out information exchange by data transfer and memory module with credit investigation system;Credit investigation system point It is not connected with bank reference system, ant credit investigation system and personal credit system;Block chain underlying platform by data transfer and Memory module carries out information exchange with supervisory systems;Block chain underlying platform passes through data transfer and memory module and service platform Carry out information exchange;Block chain underlying platform foretells that machine carries out information exchange by data transfer and memory module with Oracle; Service platform carries out the transmission of data by data transmission module and terminal device.
Wherein, credit investigation system exports personal Query Information to bank reference system, and bank reference system is defeated to credit investigation system Go out personal reference information;Credit investigation system exports personal Query Information to ant credit investigation system, and ant credit investigation system is to credit investigation system The personal reference information of output;Credit investigation system exports personal Query Information to personal credit system, and personal credit system is to reference system The personal reference information of system output.
Wherein, supervisory systems receives the flow-data information of the fund of block chain underlying platform;The effect of supervisory systems is, National structure by open supervision port, can in real time, effectively supervise the flow condition of fund, find in time illegal , money laundering class and the Capital Flow for having security risk, effectively ensure state fund safety and social stability.
Wherein, Oracle foretells that machine establishes fund lending side and credit requirement by block chain underlying platform, credit investigation system The reference information of side, and carry out determining for final information.
Wherein, service platform provides intercommunion platform by terminal device for fund lending side and credit requirement side;Fund goes out Debit and credit requirement side carry out online exchange, negotiation condition by terminal device, service platform;When both parties consult, Oracle foretell machine by block chain underlying platform call backstage bank, transaction platform transaction data to the true and false of Transaction Information Judge, there is provided trade decision is supported.
Wherein, block chain underlying platform includes backstage bank and transaction platform;Backstage bank carries out with Oracle prophesy machines The transmission of data;Transaction platform carries out the transmission of data with Oracle prophesy machines;
Block chain underlying platform uses ether side's platform of distributed mobile application;Block chain underlying platform is set by terminal Standby page end and APP modes carries out logistics fund supply and demand information and issues, brings together, merchandises.
Wherein, block chain Floor layer Technology uses ether mill platform;Application layer can use unified and open interface platform, docking All kinds of reference platforms and train of mechanism, front end can use page end or APP;With guarantee fund lending side and debt-credit side at any time Supply-demand information is issued everywhere, exchange in real time, is inquired about the characteristics of each side's reference information.
Wherein, block chain underlying platform is a kind of based on cryptological technique, in a manner of decentralization, to a large amount of numbers According to the data structure for carrying out tissue and safeguarding, it is possible to understand that into distributed an account book or database, above each block Some or all of newest Transaction Informations will be included.Block chain is solved between men by teaching aid puzzle It is worth the trust and fairness problem of interaction.
Wherein, the point-to-point means of payment that block chain underlying platform can be carried by system realize fund flow;Block Chain underlying platform can know together according to both sides of supply and demand, form certain intelligent contract, realize that interest calculates and by about timing automatically Effect is automatic to realize that breath is repaid in the fund repayment of principal;Block chain underlying platform can receive fund both sides of supply and demand certain performance bond initial stage (can be token form), to ensure that effective capital loan circulates.
Wherein, block chain underlying platform can use distributed service technology, and supplementing original capital loan can only concentrate on State-owned and business bank's system, effectively releases substantial amounts of nongovernmental fund, realizes that social capital effectively circulates, and increases cash flow Dynamic property and social economy's vigor, at the same can solve to be dispersed in again various regions, have different demands logistics company generally existing fund It is short and financing without door, financing risk is big, interest is high the problem of;Pass through distributed page end and APP operation systems, fund Both sides of supply and demand can issue supply-demand information, system and centralized management machine of the information independent of any centralization whenever and wherever possible Structure, ensures maximization and the marketization that supply and demand information is propagated;The rights and duties of arbitrary node are all impartial in the present invention, are Data block in system is safeguarded jointly by the node with maintenance function in whole system.
Wherein, block chain underlying platform is open, in addition to the private information of fund both sides of supply and demand is encrypted, Qi Tajiao Easily reach data, reputation data discloses owner, anyone can pass through disclosed interface polls collage-credit data and exploitation Related application, therefore whole system information highly transparent.
Wherein, block chain underlying platform uses all sections caused based on consensus specification and agreement in whole system Point can be in the exchange data of the free safety of the environment that going to trust so that make the trust to machine into trusts of " people ", times The intervention that who is does not work, the problem of having prevented reference fraud, artificial corruption.
Wherein, block chain, Jiu Huiyong are verified and be added to the capital loan information in block chain underlying platform once passing through Long stores, unless the node in system more than 51% can be controlled, otherwise to database on individual node at the same time Modification is invalid, therefore the data stability and reliability merchandised are high.Solved so this is also one kind with technological means The method of contract dispute.
Wherein, block chain underlying platform follows fixed algorithm due to the exchange between node, its data interaction is need not Trust, therefore counterparty need not allow other side to produce trust to oneself by way of public identity, the accumulation to credit is non- It is often helpful;It is, there are the unit of demand, government organs, the personal situation in acquisition node mandate to capital loan data Under, debt-credit data are directly inquired about or called to the key that can be distributed by system, can effectively realize that fund compliance is supervised.
Wherein, block chain underlying platform is using distributed account book:All units for participating in capital loan, personal common maintenance The system, is completed jointly by the multiple nodes for being distributed in different places, and what each node recorded is complete account, Therefore they can participate in supervision transaction legitimacy, while can also testify jointly for it;Pass through a kind of distributed business System, solves the problems, such as the marketization of nongovernmental fund circulation and comes into the open;By a kind of distributed operation system, solve the people Between a large amount of idle moneys of fund effective use.
Wherein, block chain underlying platform uses asymmetric encryption and authorization technique:It is stored on capital loan block chain Transaction Information is disclosed, but account identity information is highly encrypted, the ability only in the case where data owner authorizes It can have access to, so as to ensure that the safety of data and personal privacy.
Wherein, block chain underlying platform uses common recognition mechanism:It is to illustrate how to reach common understanding between all accounting nodes Assert the validity of a creditor-debtor entry, be both the means of identification, and prevent the means distorted.
Wherein, block chain underlying platform is using intelligent contract technology:, can be with based on these believable data that can not be distorted Automation performs rule and the clause that some are pre-defined.
A kind of logistics financing management method based on block chain technology, including management method are as follows:
SS01 funds lending side by terminal device, service platform to block chain underlying platform finance of export information provision, Credit requirement side is by terminal device, service platform respectively to block chain underlying platform finance of export demand information;
SS02 block chain underlying platforms carry out credit evaluation, area by credit investigation system to fund lending side, credit requirement side The information of the block chain underlying platform offer to fund lending side, credit requirement side respectively is verified;
SS03 block chain underlying platforms carry out logistics fund supply and demand information by the page end and APP modes of terminal device and send out Cloth;
SS04 service platforms are according to logistics fund supply and demand information to credit requirement side's finance of export information provision;Service platform According to logistics fund supply and demand information to fund lending side's finance of export demand information;
SS05 funds lending side and credit requirement side carry out online exchange, negotiation condition by terminal device, service platform, Oracle foretell machine by block chain underlying platform call backstage bank, transaction platform transaction data to the true and false of Transaction Information Judge, there is provided trade decision is supported;
SS06 block chain underlying platforms complete the transaction of logistics fund by the page end and APP modes of terminal device;
SS07 supervisory systems receives the flow-data information of the fund of block chain underlying platform, to block chain underlying platform Capital Flow situation is supervised.
In the description of this specification, the description of reference term " one embodiment ", " example ", " specific example " etc. means At least one implementation of the present invention is contained in reference to the embodiment or example particular features, structures, materials, or characteristics described In example or example.In the present specification, schematic expression of the above terms may not refer to the same embodiment or example. Moreover, particular features, structures, materials, or characteristics described can close in any one or more embodiments or example Suitable mode combines.
Present invention disclosed above preferred embodiment is only intended to help and illustrates the present invention.Preferred embodiment is not detailed All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification, It can make many modifications and variations.This specification is chosen and specifically describes these embodiments, is in order to preferably explain the present invention Principle and practical application so that skilled artisan can be best understood by and utilize the present invention.The present invention is only Limited by claims and its four corner and equivalent.

Claims (7)

  1. A kind of 1. logistics finance management system based on block chain technology, it is characterised in that:Including block chain underlying platform;
    The block chain underlying platform carries out information exchange by data transfer and memory module with credit investigation system;The reference system System is connected with bank reference system, ant credit investigation system and personal credit system respectively;
    The block chain underlying platform carries out information exchange by data transfer and memory module with supervisory systems;
    The block chain underlying platform carries out information exchange by data transfer and memory module with service platform;
    The block chain underlying platform foretells that machine carries out information exchange by data transfer and memory module with Oracle;
    The service platform carries out the transmission of data by data transmission module and terminal device.
  2. 2. a kind of logistics finance management system based on block chain technology according to claim 1, it is characterised in that described Credit investigation system exports personal Query Information to bank reference system, and the bank reference system exports personal reference to credit investigation system Information;The credit investigation system exports personal Query Information to ant credit investigation system, and the ant credit investigation system is defeated to credit investigation system Go out personal reference information;The credit investigation system exports personal Query Information to personal credit system, the personal credit system to The personal reference information of credit investigation system output.
  3. 3. a kind of logistics finance management system based on block chain technology according to claim 1, it is characterised in that described Supervisory systems receives the flow-data information of the fund of block chain underlying platform.
  4. 4. a kind of logistics finance management system based on block chain technology according to claim 1, it is characterised in that described Oracle prophesy machines establish the reference information of fund lending side and credit requirement side by block chain underlying platform, credit investigation system, And carry out determining for final information.
  5. 5. a kind of logistics finance management system based on block chain technology according to claim 1, it is characterised in that described Service platform provides intercommunion platform by terminal device for fund lending side and credit requirement side;The fund lending side and fund Party in request carries out online exchange, negotiation condition by terminal device, service platform;When both parties consult, Oracle prophesies Machine calls true and false judgement of the transaction data to Transaction Information of backstage bank, transaction platform by block chain underlying platform, there is provided Trade decision is supported.
  6. 6. a kind of logistics finance management system based on block chain technology according to claim 1, it is characterised in that described Block chain underlying platform includes backstage bank and transaction platform;The backstage bank carries out the biography of data with Oracle prophesy machines It is defeated;The transaction platform carries out the transmission of data with Oracle prophesy machines;
    The block chain underlying platform uses ether side's platform of distributed mobile application;The block chain underlying platform passes through end The page end and APP modes of end equipment carry out logistics fund supply and demand information and issue, bring together, merchandise.
  7. 7. a kind of logistics financing management method based on block chain technology as described in claim 1-6 is any one, its feature exist In, including management method is as follows:
    SS01 funds lending side is by terminal device, service platform to block chain underlying platform finance of export information provision, fund Party in request is by terminal device, service platform respectively to block chain underlying platform finance of export demand information;
    Block chain underlying platform described in SS02 carries out credit evaluation, institute by credit investigation system to fund lending side, credit requirement side The information for stating the offer to fund lending side, credit requirement side respectively of block chain underlying platform is verified;
    Block chain underlying platform described in SS03 carries out logistics fund supply and demand information by the page end and APP modes of terminal device and sends out Cloth;
    Service platform described in SS04 is according to logistics fund supply and demand information to credit requirement side's finance of export information provision;The service Platform is according to logistics fund supply and demand information to fund lending side's finance of export demand information;
    SS05 funds lending side and credit requirement side carry out online exchange, negotiation condition by terminal device, service platform, Oracle foretell machine by block chain underlying platform call backstage bank, transaction platform transaction data to the true and false of Transaction Information Judge, there is provided trade decision is supported;
    Block chain underlying platform described in SS06 completes the transaction of logistics fund by the page end and APP modes of terminal device;
    Supervisory systems described in SS07 receives the flow-data information of the fund of block chain underlying platform, to block chain underlying platform Capital Flow situation is supervised.
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