CN108428122B - Trade financing method and system on distributed account book - Google Patents
Trade financing method and system on distributed account book Download PDFInfo
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Abstract
The invention provides a trade financing method and a system on a distributed account book, which are based on a block chain technology and comprise the following steps: the core enterprise generates a rights and interests voucher; and splitting and circulating the rights and interests voucher among the multi-stage suppliers stage by stage. Specifically, the core enterprise and the multi-level suppliers create a distributed account book account number, select a certificate to log in, and perform certificate signature verification by a server of the distributed account book; the core enterprise generates a rights and interests voucher; splitting and circulating the rights and interests voucher among the multi-stage suppliers stage by stage; carrying out trade financing based on the rights and interests voucher and generating a trade financing record; and the core enterprise transfers and cashes the assets of the payer and the receiver according to the contract content in the right certificate. The invention avoids the problem of financial trade system breakdown, and the trade process is safer; the execution efficiency of the financial trade process is improved, the trade time delay is reduced, and the processing cost is also reduced; the wind control risk is effectively reduced; the robustness of the trade system is guaranteed.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a trade financing method and system on a distributed account book.
Background
The current supply chain financial system has the problem of difficulty in financing of multiple levels of suppliers, while the traditional supply chain financial logic only solves the problem of financing of one level of suppliers, and financing of more than two levels of suppliers is difficult to solve. Firstly, because the information is asymmetric, the information data of each party is maintained respectively, and the problems of low tampering cost, low data reliability and the like exist. Secondly, credit can not be transmitted, and for financing enterprises, circulation and financing information are mainly completed on the basis of offline, so that the problems of repeated authentication and low efficiency exist; for loan institutions or manufacturing enterprises, the problems of large wind control difficulty and high cost exist due to the lack of uniform and reliable credit investigation; for investors, the authenticity of financial information is difficult to verify, and the problems of information opaqueness and high risk exist.
The Chinese patent publication No. CN107194801A discloses a supply chain financial block chain application method based on a master right block chain technology, which solves the problems that the supply chain financing rate is low, the supply chain can not play the credit function efficiently, and the supply chain financial ecosphere collaborative development is restricted. Based on the ownership block chain technology, the block chain application platform suitable for supply chain finance in China is built, the safety and traceability of supply chain finance application are improved, mutual trust is established, the transaction cost is reduced, the productivity and the fund utilization rate of each node of the whole supply chain are improved, a supervision node is provided for a supervision institution, and the whole supply chain finance process link is supervised.
However, the above-mentioned patent still does not solve the problem of difficulty in financing multi-level suppliers.
Disclosure of Invention
In order to solve the above problems, the present invention provides a trade financing method on a distributed book, which applies core technologies of a block chain, such as distributed book, book encryption, intelligent contract, etc., and shows a complete process of financial trade through a block chain storage record for supply chain finance participated by multiple parties.
Specifically, according to an aspect of the present invention, there is provided a trade financing method on a distributed book, which is used for a core enterprise, and is based on a block chain technology, including:
generating a rights voucher and sending a request to verify the rights voucher;
sending the rights voucher to a primary supplier;
verifying a child credential of the multi-level vendor;
performing trade financing based on the rights and interests voucher and generating a trade financing record;
clearing the account of the trade financing related party according to the contract rules in the right certificate.
Preferably, the method further comprises the steps of:
and creating a distributed account book account number, and selecting a certificate for logging in.
Preferably, the process of creating a distributed ledger account and selecting a certificate for login includes the following steps:
performing unit real-name registration and providing necessary registration information;
selecting a certificate for identity authentication;
associating primary account and/or virtual account information of the distributed ledger;
and establishing an account authority tree.
Preferably, the generating the rights voucher and sending the request for verifying the rights voucher includes the steps of:
generating a rights and interests certificate which is a block structure and is block data to be identified and verified;
and after the rights and interests voucher is generated, carrying out private key signature on voucher data, issuing the certificate data to a distributed account book, and sending a request for verifying the rights and interests voucher.
Preferably, the conducting trade financing based on the rights and interests voucher and generating trade financing record comprises the following steps:
performing trade financing based on the rights and interests voucher and generating a trade financing record;
and issuing the trade financing record to a distributed account book, and applying for consensus verification to take effect.
Preferably, clearing the account of the trade financing related party according to the contract rules in the equity certificate comprises the following steps:
completing the deposit and withdrawal operation, cashing all the right and interest vouchers related to the deposit and withdrawal operation, and carrying out asset transfer cashing of the payer and the receiver according to contract contents in the right and interest vouchers;
all voucher contracts are cleared to generate records, and the records are recorded to the distributed ledger after consensus verification.
According to another aspect of the present invention, there is also provided a trade financing system on a distributed book for a core enterprise, based on a block chain technology, including:
the right and interest certificate generating module is used for generating a right and interest certificate and sending a request for verifying the right and interest certificate;
the sending module is used for sending the rights and interests certificate to a primary supplier;
a verification module for verifying child credentials of the multi-level vendor;
the trade financing module is used for carrying out trade financing based on the rights and interests voucher and generating a trade financing record;
and the clearing module is used for clearing the account of the trade financing related party according to the contract rules in the equity certificate.
Preferably, the system further comprises:
and the account login module is used for creating a distributed account book account and selecting a certificate to log in.
Preferably, the account creating module includes the following units:
the registration unit is used for performing unit real-name registration and providing necessary registration information;
the identity authentication unit is used for selecting the certificate to carry out identity authentication;
the account association unit is used for associating the information of the main account and/or the virtual account of the distributed account book;
and the authority establishing unit is used for establishing an account authority tree.
Preferably, the rights and interests voucher generating module comprises the following units:
the generating unit is used for generating a rights and interests certificate which is a block structure and is block data to be identified and verified;
and the sending unit is used for carrying out private key signature on the certificate data after the rights and interests certificate is generated, issuing the certificate data to a distributed account book and sending a request for verifying the rights and interests certificate.
Preferably, the trade financing module comprises the following units:
the financing unit is used for carrying out trade financing based on the rights and interests voucher and generating a trade financing record;
and the issuing unit is used for issuing the trade financing record to a distributed account book and applying for consensus verification to take effect.
Preferably, the clearing module comprises the following units:
the cashing unit is used for completing the deposit and withdrawal operation, cashing all the interest vouchers related to the deposit and withdrawal operation, and carrying out asset transfer cashing of the payer and the receiver according to contract contents in the interest vouchers;
and the recording unit is used for clearing all the certificate contracts to generate records and recording the records to the distributed account book after consensus verification.
According to another aspect of the present invention, there is also provided a trade financing method on a distributed ledger for a level 1 supplier, based on a blockchain technique, comprising:
receiving and verifying the rights and interests voucher of the core enterprise;
splitting the rights and interests voucher to generate a plurality of sub-vouchers;
signing the plurality of child credentials and sending a request to verify the plurality of child credentials;
verifying the validity of the sub-certificates of other suppliers;
sending the plurality of sub-certificates to a next-level provider for next-level splitting;
and carrying out trade financing based on the right and interest voucher and the sub-voucher, and generating a trade financing record.
Preferably, the method further comprises the steps of:
and creating a distributed account book account number, and selecting a certificate for logging in.
Preferably, the process of creating a distributed ledger account and selecting a certificate for login includes the following steps:
performing unit real-name registration and providing necessary registration information;
selecting a certificate for identity authentication;
associating primary account and/or virtual account information of the distributed ledger;
and establishing an account authority tree.
Preferably, after the plurality of child vouchers are verified, the splitting operation takes effect formally.
Preferably, the verifying the validity of the sub-certificate of the other supplier includes the following steps:
firstly, verifying the legality of the parent certificate ID of the child certificate of the other supplier based on the data of the distributed account book;
secondly, verifying whether the validity period of the certificate accords with the agreement of the effective time in the parent certificate;
it is then verified whether the quantity of asset types in the child vouchers of the other vendors meets the requirements.
Preferably, the conducting trade financing based on the right voucher and the sub-voucher and generating the trade financing record comprises the following steps:
performing trade financing based on the rights and interests voucher and the sub-voucher, and generating a trade financing record;
and issuing the trade financing record to a distributed account book, and applying for consensus verification to take effect.
According to another aspect of the present invention, there is also provided a trade financing system on a distributed ledger for a level 1 supplier, based on a blockchain technique, comprising:
the receiving module is used for receiving and verifying the rights and interests voucher of the core enterprise;
the splitting module is used for splitting the rights and interests voucher to generate a plurality of sub-vouchers;
a signature module for signing the plurality of sub-certificates and sending a request for verifying the plurality of sub-certificates;
the verification module is used for verifying the legality of the sub-certificates of other suppliers;
the sending module is used for sending the plurality of sub-certificates to a next-level supplier for next-level splitting;
and the trade financing module is used for carrying out trade financing based on the rights and interests voucher and the sub-voucher and generating a trade financing record.
Preferably, the system further comprises:
and the account login module is used for creating a distributed account book account and selecting a certificate to log in.
Preferably, the account creating module includes the following units:
the registration unit is used for performing unit real-name registration and providing necessary registration information;
the identity authentication unit is used for selecting the certificate to carry out identity authentication;
the account association unit is used for associating the information of the main account and/or the virtual account of the distributed account book;
and the authority establishing unit is used for establishing an account authority tree.
Preferably, after the plurality of child vouchers are verified, the splitting operation takes effect formally.
Preferably, the verification module includes the following units:
the parent certificate verification unit is used for verifying the legality of the parent certificate ID of the child certificate based on the data of the distributed account book;
the validity period verifying unit is used for verifying whether the validity period of the certificate accords with the agreement of the validation time in the parent certificate;
and the asset verification unit is used for verifying whether the number of the asset types in the sub-certificates of other suppliers meets the requirement.
Preferably, the trade financing module comprises the following units:
the financing unit is used for carrying out trade financing on the basis of the rights and interests voucher and the sub-voucher and generating a trade financing record;
and the issuing unit is used for issuing the trade financing record to a distributed account book and applying for consensus verification to take effect.
According to another aspect of the present invention, there is also provided a trade financing method on a distributed ledger, based on a blockchain technique, for an nth-level supplier, where N is greater than or equal to 2, including:
receiving and verifying a sub-credential of a level N-1 vendor;
splitting the sub-certificates of the N-1 level supplier to generate a plurality of N-level sub-certificates;
signing the plurality of nth level sub-credentials and sending a request to verify the nth level sub-credentials;
verifying the legality of the sub-certificates of other suppliers except the Nth-level supplier;
sending the plurality of nth-level sub-certificates to an N + 1-level supplier for next-level splitting;
and carrying out trade financing based on the rights and interests voucher and the Nth-level sub-voucher of the core enterprise, and generating a trade financing record.
Preferably, the method further comprises the steps of:
and creating a distributed account book account number, and selecting a certificate for logging in.
Preferably, the process of creating a distributed ledger account and selecting a certificate for login includes the following steps:
performing unit real-name registration and providing necessary registration information;
selecting a certificate for identity authentication;
associating primary account and/or virtual account information of the distributed ledger;
and establishing an account authority tree.
Preferably, after the plurality of nth-level sub-credentials are all verified, the splitting operation formally takes effect.
Preferably, the verifying the validity of the sub-certificates of other suppliers besides the nth-level supplier includes the following steps:
firstly, verifying the legality of the parent certificate ID of the child certificate of the other supplier based on the data of the distributed account book;
secondly, verifying whether the validity period of the certificate accords with the agreement of the effective time in the parent certificate;
then, it is verified whether the number of asset types in the child voucher of the other vendor meets the requirement.
Preferably, the method for conducting trade financing based on the rights and interests voucher and the nth level sub-voucher of the core enterprise and generating a trade financing record comprises the following steps:
performing trade financing based on the rights and interests voucher and the Nth-level sub-voucher, and generating a trade financing record;
and issuing the trade financing record to a distributed account book, and applying for consensus verification to take effect.
Preferably, when the nth level vendor is the last level vendor, the plurality of nth level sub-credentials are not sent to the N +1 th level vendor for the next level splitting.
According to another aspect of the present invention, there is also provided a trade financing system on a distributed ledger, based on a blockchain technique, for an nth level supplier, N being greater than or equal to 2, including:
the receiving module is used for receiving and verifying the sub-certificate of the N-1 level supplier;
the splitting module is used for splitting the sub-certificates of the N-1 level supplier to generate a plurality of N-level sub-certificates;
the signature module is used for signing the multiple Nth-level sub-certificates and sending a request for verifying the Nth-level sub-certificates;
the verification module is used for verifying the legality of the sub-certificates of other suppliers except the Nth-level supplier;
a sending module, configured to send the multiple nth-level sub-credentials to an N + 1-level provider for a next-level splitting;
and the trade financing module carries out trade financing based on the rights and interests voucher and the Nth-level sub-voucher of the core enterprise and generates a trade financing record.
Preferably, the system further comprises:
and the account login module is used for creating a distributed account book account and selecting a certificate to log in.
Preferably, the account creating module includes the following units:
the registration unit is used for performing unit real-name registration and providing necessary registration information;
the identity authentication unit is used for selecting the certificate to carry out identity authentication;
the account association unit is used for associating the information of the main account and/or the virtual account of the distributed account book;
and the authority establishing unit is used for establishing an account authority tree.
Preferably, after the plurality of nth-level sub-credentials are all verified, the splitting operation formally takes effect.
Preferably, the verification module includes the following units:
a parent certificate verification unit which verifies the validity of the parent certificate ID of the child certificate of the other supplier based on the data of the distributed account book;
the validity period verifying unit is used for verifying whether the validity period of the certificate accords with the agreement of the validation time in the parent certificate;
and the asset verification unit is used for verifying whether the number of the asset types in the sub-certificates of the other suppliers meets the requirement.
Preferably, the trade financing module comprises the following units:
the financing unit is used for carrying out trade financing on the basis of the rights and interests voucher and the Nth-level sub-voucher and generating a trade financing record;
and the issuing unit is used for issuing the trade financing record to a distributed account book and applying for consensus verification to take effect.
Preferably, when the nth level supplier is the last level supplier, the system does not have the sending module.
According to another aspect of the present invention, there is also provided a trade financing device on a distributed ledger, comprising:
one or more processors, storage devices storing one or more programs;
when the one or more programs are executed by the one or more processors, the one or more processors implement the methods as described above.
According to another aspect of the invention, there is also provided a trade financing device on a distributed ledger, the device comprising a system as described above.
According to another aspect of the invention, there is also provided a computer-readable storage medium, on which a computer program is stored, which computer program, when executed by a processor, implements the method as described above.
The invention has the following beneficial effects: firstly, the block chain storage ensures that the financial trade does not depend on a certain central institution or certain central institutions any more, thereby avoiding the problem of financial trade system breakdown caused by single-point failure or malicious behavior and ensuring that the trade process is safer; secondly, by bringing the multi-level suppliers, financing enterprises, production enterprises, loan institutions, investors and all related third-party institutions into the trade block chain consensus process, the execution efficiency of the financial trade process is improved, the trade time delay is reduced, and the processing cost is also reduced; meanwhile, all parties can maintain a unified certificate together, and guarantee that the certificate can not be tampered, the trade process is completely recorded, wind control risks can be effectively reduced, and a foundation is provided for unified and reliable credit investigation; finally, the method incorporates a third-party organization, deals with disputes and malicious behaviors possibly generated in the trade process, and guarantees the robustness of the trade system.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 is a schematic flow chart of a trade financing method on a distributed ledger of the present invention.
FIG. 2 is a schematic diagram illustrating a process of creating an account authority tree according to the present invention;
FIG. 3 is a diagram illustrating exemplary contents of a trade record according to the present invention;
FIG. 4 is an exemplary illustration of the contents of a financing record in accordance with the present invention;
FIG. 5 is a diagram illustrating an example of the contents of an asset transfer record in accordance with the present invention.
Detailed Description
Exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the invention are shown in the drawings, it should be understood that the invention can be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.
Fig. 1 is a schematic flow chart of a trade financing method on a distributed ledger. The invention provides a trade financing method on a distributed book, which is based on a block chain technology and is used between a core enterprise and a multi-level supplier, as shown in fig. 1: the core enterprise first generates a rights and interests voucher; and then the rights and interests voucher is split and circulated among the multi-stage suppliers stage by stage.
The participants of the distributed account book comprise various mechanisms such as core enterprises, first-level to N-level suppliers, supervision, banks, credit investigation, investment, guarantee and the like, and also comprise third-party certification mechanisms such as CFCA and the like. The method specifically comprises the following steps:
step S10, each participant creates a distributed account book account (primary account number/virtual account number), selects a certificate to log in the system, and performs certificate signature verification by a distributed account book server;
step S20, the core enterprise generates a rights and interests certificate to the primary supplier and inputs a distributed account book;
step S30, the first-level supplier (the subsequent suppliers with lower level, such as the second-level supplier, can split the equity voucher) splits and circulates, the process records the distributed account book;
step S40, each participant can do trade financing based on the equity voucher and generate trade financing record, the record can be intelligent contract and input distributed account book;
step S50, the core enterprise deposit and withdrawal operation triggers the clearing action, and the account of the related party is cleared according to the established clearing rule;
step S60, the guarantee agency provides guarantee service;
step S70, credit investigation organization carries out credit evaluation service;
and step S80, the third-party institution carries out financial trade supervision.
The following describes in detail the process of each participant in step S10 creating a distributed ledger account (primary account number/virtual account number), and selecting a certificate for system login, including the following steps:
and step S101, the participator comprises various organizations such as a core enterprise, a first-level to N-level supplier, a supervision organization, a bank, a credit investigation organization, an investment organization and the like to perform unit real-name registration and provide necessary registration information including information such as unit names, registration addresses, legal representatives, industrial and commercial tax certificates, introduction letters and the like.
When an enterprise registers, in order to ensure the identity validity and reliability of the distributed account book participants, a credit introduction mechanism is adopted to register a new user. The introduction mechanism is similar to a friend circle, and a new user can be qualified for system registration only through introduction of one or more existing users.
The introduction mechanism can be realized in various ways, and the principle is that the existing user can recognize and sign the identity of the new user. For example, in the first mode, a new user provides an introducer ID, the system sends new user registration information to a designated introducer for introduction confirmation, and user registration is completed after feedback is obtained; in the second mode, the new user provides a distributed account book record address, and the system automatically reads the distributed account book record, wherein the distributed account book record contains the key information, the introducer ID and the signature information of the new user, and can also conveniently perform identity verification.
Step S102, the registrant selects the certificate to carry out identity authentication. In order to ensure the validity of the transaction of the distributed ledger system, the optical introduction mechanism is not enough and must be approved by law, so a certificate verification mechanism is adopted to carry out user identity verification by means of a third party authority certificate authority (such as CFCA). The user submits the third party authority certificate, and the distributed account book system can verify the authenticity of the certificate by means of the public key of the third party authority certificate authority.
Step S103, after the registration is successful, the user may associate the distributed ledger master account or associate the distributed ledger virtual account information, and one user only has one master account but may have multiple virtual accounts. The virtual account system is a mature mechanism adopted by the existing banks and is not detailed here. For example, when an enterprise opens a real account on a bank counter, a plurality of virtual accounts can be opened for sub-companies or built-in departments on a bank online banking platform, so that the inquiry, management and transfer functions of the virtual accounts are realized. And a centralized and unified financial management system is adopted, and the fund in an enterprise is uniformly regulated and controlled, so that the centralized management and the real-time monitoring of the fund are realized.
And step S104, establishing an account authority tree. After the account is created, under normal conditions, a signature of a private key is needed for one account to initiate a transaction. We allow the account to quantify and assign the rights of its signature to other private keys. When the system judges the validity of the signature, the system not only judges the signature of the system, but also judges the signatures distributed to other private keys. And adding the legal signature weights, and finally obtaining the weight value which is not less than the set weight, and considering that the transaction signature passes.
As shown in fig. 2, the weight threshold of account a is 50%, the access right of the account is simultaneously allocated to a plurality of signers, and account a transaction can be performed as long as the sum of the weights of the signers exceeds the threshold of a. And the calculation of the rights can take many forms. Such as a delivery method. The signature weights of user E, F, H are 30% × 30%, 50% × 30%, respectively, and the sum of the three is less than 50%, so the signatures of the three are not sufficient to make the transaction of account a. Another approach is hierarchical. If the thresholds for accounts B and D are also 50%. Then the simultaneous signatures of users E, F exceed the threshold of B and have all 30% of the permissions of level B. Similarly, H has all the rights of D. Thus, the sum of the signature weights of E, F, H is 30% + 30%, beyond the authority of A, the signature of user E, F, H is sufficient to initiate a transaction for account A under the hierarchy.
Describing step S20 in detail, the process of the core enterprise generating the equity voucher to the primary supplier and entering the distributed ledger (the process of the supplier generating the equity voucher is the same as the following process), includes the following steps:
step S201, the core enterprise serves as a core payer, and generates a rights and interests voucher, which is a block structure and is block data to be identified and verified in a distributed book using a block chain technique.
The structure of the rights voucher is as follows:
● credential ID: distributed account book distributed identification, each rights and interests voucher has a unique identification;
● payer ID: identification of the core enterprise;
● payer address: a distributed ledger asset address for a core enterprise;
● Payment asset quantity type: the type and the corresponding quantity of the assets paid by the core enterprise can be various types of assets;
● ID of the recipient: receiving an identification of a user;
● recipient address: receiving a distributed ledger asset address of a user;
● expanded options: extension items of the equity voucher, such as whether the core enterprise allows the equity to be split, split authority threshold requirements, and the like;
● certificate redemption time or redemption condition: the redemption time is the formal validation time for the payment of the rights and interests voucher; the cashing condition is the embodiment of the intelligent contract, and the cashing triggering condition and the cashing executing mode are appointed;
● Payment time stamp: and paying for the time.
Step S202, after the rights and interests voucher is generated, the user A signs a private key of the voucher data, issues the private key to the distributed account book, and applies for consensus verification to take effect.
Describing step S30 in detail, the process of splitting and circulating the equity voucher by the primary supplier (the subsequent suppliers with lower levels, such as the secondary supplier, can split the equity voucher), generating a trade record, and entering a distributed ledger includes the following steps;
step S301, the full-network distributed account book user performs consensus verification on the equity voucher of the core enterprise, and the equity voucher takes effect after the verification is passed. The agreed rights and interests of the rights and interests voucher can be used as the expected income of a user (a primary supplier) of a receiving party, and the rights and interests voucher can be converted as long as the core enterprise in the rights and interests voucher does not declare that the voucher is forbidden to be split and converted.
Step S302, the supplier performs a rights and interests voucher splitting operation to generate a plurality of sub-vouchers, as follows:
● ID of child voucher: unique identification of the sub-certificate in the distributed account book;
● parent credential ID: the rights voucher ID of the supplier as the receiver;
● payer ID: the vendor will split the existing rights voucher, thus becoming the payer identity;
● Payment asset quantity type: the type of the amount of the payment assets to be paid in the sub-voucher;
● ID of the recipient: a distributed account book unique identifier of a receiver;
● payer/receiver address: a distributed ledger asset address;
● certificate validity period: the validity time of the child voucher.
Step S303, the supplier signs a plurality of sub-certificates generated by splitting the rights and interests certificate, and performs the whole network consensus verification process;
step S304, after other common users in the whole network receive the sub-certificate, the validity verification work is carried out: firstly, verifying the validity of a parent certificate ID based on data of a distributed account book; secondly, verifying whether the validity period of the voucher accords with the agreement of the validation time (voucher cashing time) in the parent voucher; then, whether the number of asset types in the child voucher meets the requirement, that is, whether the supplier has enough assets to split is verified, not only is it determined that the number of assets types in the child voucher should not exceed the assets received in the parent voucher, but also it is considered that the sum of the child vouchers should not exceed the assets received by the supplier in the parent voucher.
Step S305, after all the sub-certificates pass the total network consensus verification, the rights and interests certificate splitting operation of the supplier takes effect formally. And once any sub-certificate is not verified, the rights and interests certificate splitting operation of the supplier cannot be effective.
Step S306, the other suppliers split the right and interests voucher in the next level.
In step S307, the supplier generates a trade record based on the equity voucher, and the content of the trade record is shown as an example in fig. 3.
The trade record is an aggregate of trade behaviors and rights and interests certificates, identifies trade relationships and rights and interests relationships among trade parties, embodies the trade relationships by business behaviors, adopts a mature trade and contract equivalent mode and is not detailed herein; the equity voucher represents equity or bond relationship.
Describing step S40 in detail, each participant can conduct trade financing based on the equity certificate and generate a trade financing record, which can be an intelligent contract, and the process of entering a distributed ledger includes the following steps;
step S401, the financing party carries out financing, and a financing record structure is created as follows:
● credential ID: distributed account book distributed identification, each financing record has a unique identification;
● financer ID: identification of financers requiring funds;
● financer address: fusing the distributed account book asset address of the resource;
● financing asset quantity type: the financing asset types and the corresponding quantity can be various types of assets;
● sponsor ID: identification of the sponsor;
● sponsor address: a distributed ledger asset address of the sponsor;
● financing voucher: the right certificate ID provided by the financing party is the basis for whether financing can pass or not;
● signature: the private key signature of the block chain is used for verifying the validity of the financing record, such as joint signature of a financing party and a financing party;
● time stamp: financing record creation time.
Step S402, after the financing record is generated, the financing record is issued to a distributed account book for applying for consensus verification to take effect. An example of the content of a financing record is shown in FIG. 4.
Describing step S50 in detail, the process of the core enterprise deposit and withdrawal operation triggering clearing action, clearing the account of the relevant party according to the established contract rule includes the following steps;
step S501, the core enterprise finishes the deposit and withdrawal operation, and all the rights and interests vouchers related to the deposit and withdrawal operation of the core enterprise are cashed, namely, the assets of the payer and the receiver are transferred and cashed according to the contract content in the rights and interests vouchers.
And step S502, clearing all the certificate contracts to generate records, namely asset transfer records among accounts, wherein the format can refer to the current financial system, and the records are formally recorded into a distributed account book after the consensus verification is obtained. As shown in fig. 5, is an example of content.
Describing step S60 in detail, the process of the guaranty organization providing the guaranty service includes the following steps:
in the process of purchasing, some small enterprises may not meet the requirements of product manufacturers or intermediate parties due to problems of capital, enterprise qualification and the like, thereby requiring a guarantee service. The method of the present invention supports the incorporation of warranty service records from a warranty authority into blockchain storage.
Step S601, the guarantee agency can inquire the historical purchase record, guarantee record, loan record and credit investigation record information of the buyer through the distributed account block chain, and completes the qualification auditing process of the buyer by combining the investigation and confirmation of the off-line enterprise qualification information.
Step S602, if the guarantee agency agrees to provide guarantee for the enterprise, a guarantee record is generated and stored and issued in the distributed account book block chain. The guarantee record comprises information such as a guarantee record number, an enterprise name, an enterprise number, a guarantee agency name, a guarantee agency number, a guarantee range, guarantee contents, a guarantee mode, a guarantee period, a guarantee agency responsibility, a default responsibility, a guarantee agency signature and the like.
Describing step S70 in detail, the credit investigation institution processes the credit evaluation service, including the following steps:
the credit investigation institution can comprehensively evaluate the credit condition of an enterprise through information such as product sale records, product agency sale records, loan records, financing records and the like of the block chain, can issue credit investigation records in combination with online enterprise qualification audit conditions, and can store and issue the credit investigation records in the block chain for all participants to refer. The credit investigation record comprises the following steps: credit investigation record number, enterprise name, enterprise number, enterprise credit rating result, release time, credit investigation agency signature, etc.
Describing step S80 in detail, the process of supervision by the third party authority includes the following steps:
and all information such as historical trade behaviors, loan behaviors and financing behaviors of the block chain can be inquired by a third-party supervision mechanism, so that financial trade supervision is conveniently carried out. When the conditions of trade default, trade dispute, financial fraud and the like occur, the related third-party institution can quickly find out the truth of the affairs and process the affairs, and the related results are included in the credit evaluation of the credit investigation institution.
Therefore, the method can avoid the problem of financial trade system breakdown caused by single-point failure or malicious behavior, and the trade process is safer; the execution efficiency of the financial trade process is improved, the trade time delay is reduced, and the processing cost is also reduced; the wind control risk is effectively reduced, and a foundation is provided for unified and reliable credit investigation; the robustness of the trade system is guaranteed.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (21)
1. A trade financing method on a distributed account book is used for core enterprises and is based on a block chain technology, and the method is characterized by comprising the following steps:
creating a distributed account book account number, and selecting a certificate for logging in, wherein the steps comprise: performing unit real-name registration and providing necessary registration information; selecting a certificate for identity authentication; associating primary account and/or virtual account information of the distributed ledger; establishing an account authority tree;
generating a rights voucher and sending a request to verify the rights voucher;
sending the rights voucher to a primary supplier;
verifying child credentials of a multi-level vendor;
performing trade financing based on the rights and interests voucher and generating a trade financing record; issuing the trade financing record to a distributed account book, and applying for consensus verification to take effect;
clearing the account of the trade financing related party according to the contract rules in the right certificate; completing the deposit and withdrawal operation, cashing all the right and interest vouchers related to the deposit and withdrawal operation, and carrying out asset transfer cashing of the payer and the receiver according to contract contents in the right and interest vouchers; all voucher contracts are cleared to generate records, and the records are recorded to the distributed ledger after consensus verification.
2. The method of trade financing on a distributed ledger of claim 1 characterized in that:
the generating a rights voucher and sending a request to validate the rights voucher includes the steps of:
generating a rights and interests certificate which is a block structure and is block data to be identified and verified;
and after the rights and interests voucher is generated, carrying out private key signature on voucher data, issuing the certificate data to a distributed account book, and sending a request for verifying the rights and interests voucher.
3. The utility model provides a trade financing system on distributed account book for core enterprise, based on block chain technique, its characterized in that includes:
the account login module is used for creating a distributed account book account and selecting a certificate for login, and comprises the following units: the registration unit is used for performing unit real-name registration and providing necessary registration information; the identity authentication unit is used for selecting the certificate to carry out identity authentication; the account association unit is used for associating the information of the main account and/or the virtual account of the distributed account book; the authority establishing unit is used for establishing an account authority tree;
the right and interest certificate generating module is used for generating a right and interest certificate and sending a request for verifying the right and interest certificate;
the sending module is used for sending the rights and interests certificate to a primary supplier;
the verification module is used for verifying the child certificates of the multi-stage suppliers;
the trade financing module is used for carrying out trade financing based on the rights and interests voucher and generating a trade financing record; the trade financing module comprises the following units: the financing unit is used for carrying out trade financing based on the rights and interests voucher and generating a trade financing record; the issuing unit is used for issuing the trade financing record to a distributed account book and applying for consensus verification to take effect; the clearing module is used for clearing the account of the trade financing related party according to the contract rules in the equity voucher; the clearing module comprises the following units: the cashing unit is used for completing the deposit and withdrawal operation, cashing all the interest vouchers related to the deposit and withdrawal operation, and carrying out asset transfer cashing of the payer and the receiver according to contract contents in the interest vouchers; and the recording unit is used for clearing all the certificate contracts to generate records and recording the records to the distributed account book after consensus verification.
4. The trading financing system on a distributed ledger of claim 3, characterized in that:
the rights and interests voucher generating module comprises the following units:
the generating unit is used for generating a rights and interests certificate which is a block structure and is block data to be identified and verified;
and the sending unit is used for carrying out private key signature on the certificate data after the rights and interests certificate is generated, issuing the certificate data to a distributed account book and sending a request for verifying the rights and interests certificate.
5. A trade financing method on a distributed ledger is used for a level 1 supplier and is based on a block chain technology, and the method is characterized by comprising the following steps:
creating a distributed account book account number, and selecting a certificate for logging in, wherein the steps comprise: performing unit real-name registration and providing necessary registration information; selecting a certificate for identity authentication; associating primary account and/or virtual account information of the distributed ledger; establishing an account authority tree;
receiving and verifying the rights and interests voucher of the core enterprise;
splitting the rights and interests voucher to generate a plurality of sub-vouchers;
signing the plurality of child credentials and sending a request to verify the plurality of child credentials;
verifying the validity of the sub-certificates of other suppliers; firstly, verifying the legality of the parent certificate ID of the child certificate of the other supplier based on the data of the distributed account book; secondly, verifying whether the validity period of the certificate accords with the agreement of the effective time in the parent certificate; then, verifying whether the asset type quantity in the sub-certificates of other suppliers meets the requirement;
sending the plurality of sub-certificates to a next-level provider for next-level splitting;
and carrying out trade financing based on the right and interest voucher and the sub-voucher, and generating a trade financing record.
6. The method of trade financing on a distributed ledger of claim 5, characterized in that:
and after the plurality of sub-certificates are verified, the splitting operation takes effect formally.
7. The method of trade financing on a distributed ledger of claim 5, characterized in that:
the method for conducting trade financing based on the right voucher and the sub-voucher and generating a trade financing record comprises the following steps:
performing trade financing based on the rights and interests voucher and the sub-voucher, and generating a trade financing record;
and issuing the trade financing record to a distributed account book, and applying for consensus verification to take effect.
8. A trade financing system on a distributed ledger for a level 1 supplier based on block chain technology, comprising:
the account login module is used for creating a distributed account book account and selecting a certificate for login, and comprises the following units: the registration unit is used for performing unit real-name registration and providing necessary registration information; the identity authentication unit is used for selecting the certificate to carry out identity authentication; the account association unit is used for associating the information of the main account and/or the virtual account of the distributed account book; the authority establishing unit is used for establishing an account authority tree;
the receiving module is used for receiving and verifying the rights and interests voucher of the core enterprise;
the splitting module is used for splitting the rights and interests voucher to generate a plurality of sub-vouchers;
a signature module for signing the plurality of sub-certificates and sending a request for verifying the plurality of sub-certificates;
the verification module is used for verifying the legality of the sub-certificates of other suppliers; the verification module comprises the following units: the parent certificate verification unit is used for verifying the legality of the parent certificate ID of the child certificate based on the data of the distributed account book; the validity period verifying unit is used for verifying whether the validity period of the certificate accords with the agreement of the validation time in the parent certificate; the asset verification unit is used for verifying whether the number of asset types in the sub-certificates of other suppliers meets the requirement or not;
the sending module is used for sending the plurality of sub-certificates to a next-level supplier for next-level splitting;
and the trade financing module is used for carrying out trade financing based on the rights and interests voucher and the sub-voucher and generating a trade financing record.
9. The trading financing system on a distributed ledger of claim 8, characterized in that:
and after the plurality of sub-certificates are verified, the splitting operation takes effect formally.
10. The trading financing system on a distributed ledger of claim 8, characterized in that:
the trade financing module comprises the following units:
the financing unit is used for carrying out trade financing on the basis of the rights and interests voucher and the sub-voucher and generating a trade financing record;
and the issuing unit is used for issuing the trade financing record to a distributed account book and applying for consensus verification to take effect.
11. A trade financing method on a distributed account book is based on a block chain technology and used for an Nth-level supplier, wherein N is more than or equal to 2, and the method is characterized by comprising the following steps:
creating a distributed account book account number, and selecting a certificate for logging in, wherein the steps comprise: performing unit real-name registration and providing necessary registration information; selecting a certificate for identity authentication; associating primary account and/or virtual account information of the distributed ledger; establishing an account authority tree;
receiving and verifying a sub-credential of a level N-1 vendor;
splitting the sub-certificates of the N-1 level supplier to generate a plurality of N-level sub-certificates;
signing the plurality of nth level sub-credentials and sending a request to verify the nth level sub-credentials;
verifying the legality of the sub-certificates of other suppliers except the Nth-level supplier; firstly, verifying the legality of the parent certificate ID of the child certificate of the other supplier based on the data of the distributed account book; secondly, verifying whether the validity period of the certificate accords with the agreement of the effective time in the parent certificate; then, verifying whether the quantity of the asset types in the sub-certificates of the other suppliers meets the requirement;
sending the plurality of nth-level sub-certificates to an N + 1-level supplier for next-level splitting;
and carrying out trade financing based on the rights and interests voucher and the Nth-level sub-voucher of the core enterprise, and generating a trade financing record.
12. The method of trade financing on a distributed ledger of claim 11, characterized in that:
and after the plurality of Nth-level sub-certificates are verified, the splitting operation takes effect formally.
13. The method of trade financing on a distributed ledger of claim 11, characterized in that:
the method for conducting trade financing based on the rights and interests voucher and the Nth-level sub-voucher of the core enterprise and generating a trade financing record comprises the following steps:
performing trade financing based on the rights and interests voucher and the Nth-level sub-voucher, and generating a trade financing record;
and issuing the trade financing record to a distributed account book, and applying for consensus verification to take effect.
14. The method of trade financing on a distributed ledger of claim 11, characterized in that:
and when the Nth-level supplier is the last-level supplier, the plurality of Nth-level sub-certificates are not sent to the (N + 1) th-level supplier for next-level splitting.
15. A trade financing system on a distributed account book is based on a block chain technology and used for an Nth-level supplier, wherein N is more than or equal to 2, and the trade financing system is characterized by comprising the following components:
the account login module is used for creating a distributed account book account and selecting a certificate for login, and comprises the following units: the registration unit is used for performing unit real-name registration and providing necessary registration information; the identity authentication unit is used for selecting the certificate to carry out identity authentication; the account association unit is used for associating the information of the main account and/or the virtual account of the distributed account book; the authority establishing unit is used for establishing an account authority tree;
the receiving module is used for receiving and verifying the sub-certificate of the N-1 level supplier;
the splitting module is used for splitting the sub-certificates of the N-1 level supplier to generate a plurality of N-level sub-certificates;
the signature module is used for signing the multiple Nth-level sub-certificates and sending a request for verifying the Nth-level sub-certificates;
the verification module is used for verifying the legality of the sub-certificates of other suppliers except the Nth-level supplier; the verification module comprises the following units: a parent certificate verification unit which verifies the validity of the parent certificate ID of the child certificate of the other supplier based on the data of the distributed account book; the validity period verifying unit is used for verifying whether the validity period of the certificate accords with the agreement of the validation time in the parent certificate; the asset verification unit is used for verifying whether the quantity of the asset types in the sub-certificates of the other suppliers meets the requirement;
a sending module, configured to send the multiple nth-level sub-credentials to an N + 1-level provider for a next-level splitting;
and the trade financing module carries out trade financing based on the rights and interests voucher and the Nth-level sub-voucher of the core enterprise and generates a trade financing record.
16. The system of trading financing on a distributed ledger of claim 15, characterized in that:
and after the plurality of Nth-level sub-certificates are verified, the splitting operation takes effect formally.
17. The system of trading financing on a distributed ledger of claim 15, characterized in that:
the trade financing module comprises the following units:
the financing unit is used for carrying out trade financing on the basis of the rights and interests voucher and the Nth-level sub-voucher and generating a trade financing record;
and the issuing unit is used for issuing the trade financing record to a distributed account book and applying for consensus verification to take effect.
18. The system of trading financing on a distributed ledger of claim 15, characterized in that:
when the nth level provider is the last level provider, the system does not have the sending module.
19. A trade financing device on a distributed ledger, comprising:
one or more processors, storage devices storing one or more programs;
the one or more programs, when executed by the one or more processors, implement the method of any of claims 1-2, 5-7, 11-14.
20. The utility model provides a trade financing equipment on distributing type account book which characterized in that:
the apparatus comprising a system according to any of claims 3-4, 8-10, 15-18.
21. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-2, 5-7, 11-14.
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