CN108564387A - Credit worthiness transmission method, apparatus and system based on block chain - Google Patents
Credit worthiness transmission method, apparatus and system based on block chain Download PDFInfo
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- CN108564387A CN108564387A CN201810412918.5A CN201810412918A CN108564387A CN 108564387 A CN108564387 A CN 108564387A CN 201810412918 A CN201810412918 A CN 201810412918A CN 108564387 A CN108564387 A CN 108564387A
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Abstract
The present invention provides a kind of credit worthiness transmission method, apparatus and system based on block chain, method includes：The Digital Enterprise assets that core enterprise's node is sent are received, and are signed to digitlization enterprise assets, signature digitlization enterprise assets are obtained；The assets of generation are deposited into card and upload to block catenary system；It include the logical card distribution application of assets of credit worthiness to financial institution's node transmission；When the logical card distribution application of the signature assets for receiving financial institution's node transmission, to the logical card of block catenary system upload assets；When with upstream and downstream firms node is settled accounts after the first order, assets are led to the credit worthiness in demonstrate,proving with the amount of money to be paid equivalence and pay upstream and downstream firms node after the first order, so that upstream and downstream firms node is financed using the credit worthiness after the first order, alleviate the expensive problem of the later upstream and downstream firms financing difficulties of the first order of core enterprise, financing, has achieved the effect that finance using credit worthiness convenient for the later upstream and downstream firms of the first order.
Description
Technical field
The present invention relates to supply chain financial technology fields, more particularly, to a kind of credit worthiness transmission side based on block chain
Method, apparatus and system.
Background technology
E-business draft system is to ratify to establish by People's Bank of China, Development by Depending on Network and computer technology, receive,
Registration, forwarding electronic commercial draft electronic message provide and the payment of e-business draft currency, fund clearing behavior related service
And provide the comprehensive service process platform of the registration and inquiry of papery commercial draft and commercial draft public offer service.
In practical applications, in supply chain financial field, credit worthiness information is scattered in each family of supply chain and has by oneself in system,
The credit worthiness of core enterprise can only be transmitted to its first order upstream and downstream firms, since the credit worthiness of core enterprise can not be torn open
Point, thus the credit worthiness of core enterprise can not be transmitted to the later upstream and downstream firms of the first order of core enterprise, so, first
The later upstream and downstream firms of grade can not finance according to the credit worthiness of core enterprise, therefore, lead to the first of core enterprise
The expensive problem of the later upstream and downstream firms financing difficulties of grade, financing.
Invention content
In view of this, the credit worthiness transmission method that the purpose of the present invention is to provide a kind of based on block chain, device and
System, the expensive skill of the later upstream and downstream firms financing difficulties of the first order to alleviate core enterprise existing in the prior art, financing
Art problem.
In a first aspect, an embodiment of the present invention provides a kind of credit worthiness transmission method based on block chain, method application
Multiple first order upstream and downstream firms nodes in block catenary system, the block catenary system further include：Multiple financial institution's sections
Upstream and downstream firms node and core enterprise's node after point, multiple first order, the method includes：
The Digital Enterprise assets by signature that core enterprise's node is sent are received, and to the Digital Enterprise
Assets are signed to obtain signature digitlization enterprise assets；
The assets that enterprise assets generation will be digitized according to the signature deposit card and upload to the block catenary system；
Include the assets of credit worthiness to the financial institution's node transmission assured for core enterprise's node
Logical card distribution application, so that financial institution's node deposits card to the money according to the assets that the block catenary system is shared
The logical card distribution application of production is audited；
The signature sent after the approval is being applied for the logical card distribution of the assets when receiving financial institution's node
When the logical card distribution of assets is applied, the logical card of assets is uploaded to the block catenary system；
When being settled accounts with upstream and downstream firms node after the first order, by the logical card of the assets with the amount of money to be paid
The credit worthiness of equal value pays upstream and downstream firms node after the first order, so that upstream and downstream firms after the first order
Node is financed using the credit worthiness.
With reference to first aspect, an embodiment of the present invention provides the first possible embodiments of first aspect, wherein
When the Digital Enterprise assets include supply contract, warehouse receipt, dispatch list, receiving note, invoice and accounts receivable, the method is also
Including：
Before signing to the Digital Enterprise assets, the Digital Enterprise assets and credit application are sent
To financial institution's node；
When receive credit by after the Digital Enterprise assets of signature, to the Digital Enterprise assets
It signs, obtains the signature digitlization enterprise assets.
With reference to first aspect, an embodiment of the present invention provides second of possible embodiments of first aspect, wherein also
Including：
When the account of the first order upstream and downstream firms node receives the payment of core enterprise's node or the number
When time limit of payment in word enterprise assets expires, the intelligent contract triggered in the block catenary system carries out assets settlement, clearly
The logical card of the assets is destroyed after the completion of calculating.
With reference to first aspect, an embodiment of the present invention provides the third possible embodiments of first aspect, wherein also
Including：
Before being traded, described first for itself passing through the trade background of signature and being traded with oneself is uploaded
The title of upstream and downstream firms node after grade；
Other trades by signature that upstream and downstream firms node uploads after the first order that acquisition is traded with oneself
Easy background；
It signs to other trade backgrounds described in getting, and uploads other described trades back of the body by signature
Scape.
With reference to first aspect, an embodiment of the present invention provides the 4th kind of possible embodiments of first aspect, wherein institute
Upstream and downstream firms node after the first order is stated to initiate to discount to financial institution's node using the credit worthiness, or with its
When upstream and downstream firms node is settled accounts after the first order of upstream, upstream and downstream is looked forward to after paying the first order of its upstream
Industry node.
With reference to first aspect, an embodiment of the present invention provides the 5th kind of possible embodiments of first aspect, wherein institute
Stating the logical card of assets, there is mark, the mark to deposit card according to the assets and generate.
With reference to first aspect, an embodiment of the present invention provides the 6th kind of possible embodiments of first aspect, wherein institute
It further includes block chain operation enterprise node to state block catenary system, and the block chain operation enterprise node is for safeguarding the block chain
System.
Second aspect, the embodiment of the present invention also provide a kind of credit worthiness transfer device based on block chain, including：It receives
Module, the first uploading module, sending module, the second uploading module and payment module；
The receiving module, the Digital Enterprise assets by signature sent for receiving core enterprise's node, and it is right
The Digital Enterprise assets are signed to obtain signature digitlization enterprise assets；
First uploading module, the assets for that will digitize enterprise assets generation according to the signature are deposited card and are uploaded to
The block catenary system；
The sending module, for including letter to the financial institution's node transmission assured for core enterprise's node
Lead to card distribution application with the assets of value, so that financial institution's node deposits card according to the assets that block catenary system is shared
The logical card distribution application of the assets is audited；
Second uploading module receives financial institution's node to the logical card distribution application of the assets for working as
When the logical card distribution of signature assets sent after the approval is applied, the logical card of assets is uploaded to the block catenary system；
The payment module, for when with upstream and downstream firms node is settled accounts after the first order, the assets to be led to card
In with the credit worthiness of the amount of money to be paid equivalence pay upstream and downstream firms node after the first order so that described first
Upstream and downstream firms node is financed using the credit worthiness after grade.
The third aspect, the embodiment of the present invention also provide a kind of credit worthiness transmission system based on block chain, including：It is multiple
Upstream and downstream firms node, core enterprise's node, regulatory agency's node, one after financial institution's node, multiple first order
The first order upstream and downstream firms node of a block chain operation enterprise node and multiple applications such as any the method for first aspect.
Fourth aspect, the embodiment of the present invention also provide a kind of meter for the non-volatile program code that can perform with processor
Calculation machine readable medium, said program code make the processor execute such as any the method for first aspect.
The embodiment of the present invention brings following advantageous effect：Credit worthiness provided in an embodiment of the present invention based on block chain
Transmission method is applied to multiple first order upstream and downstream firms nodes in block catenary system, and the block catenary system further includes：It is more
Upstream and downstream firms node and core enterprise's node after a financial institution's node, multiple first order, the method includes：It receives
The Digital Enterprise assets by signature that core enterprise's node is sent, and sign to the Digital Enterprise assets
Obtain signature digitlization enterprise assets；The assets that enterprise assets generation will be digitized according to the signature deposit card and upload to the area
Block catenary system；Include the assets of credit worthiness to the financial institution's node transmission assured for core enterprise's node
Logical card distribution application, so that financial institution's node deposits card to the money according to the assets that the block catenary system is shared
The logical card distribution application of production is audited；Audit is logical to be applied for the logical card distribution of the assets when receiving financial institution's node
Later when the logical card distribution of signature assets sent is applied, the logical card of assets is uploaded to the block catenary system；With the first order
When upstream and downstream firms node is settled accounts afterwards, the credit worthiness with the amount of money to be paid equivalence in the logical card of the assets is paid
To upstream and downstream firms node after the first order so that after the first order upstream and downstream firms node using the credit worthiness into
Row financing.
So after the first order upstream and downstream firms node and core enterprise's node are traded, described first
Grade upstream and downstream firms node receives the Digital Enterprise assets by signature that core enterprise's node is sent, and to the number
Word enterprise assets are signed to obtain signature digitlization enterprise assets；It will digitize what enterprise assets generated according to the signature
Assets deposit card and upload to the block catenary system；To the financial institution's node hair assured for core enterprise's node
Send the assets including credit worthiness logical card distribution application；It is issued to the logical card of the assets when receiving financial institution's node
When applying for that the logical card distribution of the signature assets sent after the approval is applied, the logical card of assets is uploaded to the block catenary system, in this way
The credit worthiness in the logical card of the assets can be carried out splitting, described for paying the amount of money to be paid of the different amount of money
First order upstream and downstream firms node, will be in the logical card of the assets when being settled accounts with upstream and downstream firms node after the first order
Upstream and downstream firms node after the first order, the credit valence described in this way are paid with the credit worthiness of the amount of money to be paid equivalence
Value can be for delivery to upstream and downstream firms node after the first order here, upstream and downstream firms node after the first order
It is financed using the credit worthiness being transmitted to, core caused by avoiding the credit worthiness due to core enterprise that from can not splitting
The credit worthiness of heart enterprise can not be transmitted to the later upstream and downstream firms of the first order of core enterprise, caused by the first order with
The problem of upstream and downstream firms afterwards can not be financed according to the credit worthiness of core enterprise, therefore, alleviates in the prior art
The expensive technical problem of the later upstream and downstream firms financing difficulties of the first order of existing core enterprise, financing, has reached and has been convenient for core
The technique effect that the later upstream and downstream firms of the first order of enterprise are financed using credit worthiness.
Other features and advantages of the present invention will illustrate in the following description, also, partly become from specification
It obtains it is clear that understand through the implementation of the invention.The purpose of the present invention and other advantages are in specification, claims
And specifically noted structure is realized and is obtained in attached drawing.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment cited below particularly, and coordinate
Appended attached drawing, is described in detail below.
Description of the drawings
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art are briefly described, it should be apparent that, in being described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, other drawings may also be obtained based on these drawings.
Fig. 1 is the first flow chart of the credit worthiness transmission method provided in an embodiment of the present invention based on block chain；
Fig. 2 is second of flow chart of the credit worthiness transmission method provided in an embodiment of the present invention based on block chain；
Fig. 3 is the third flow chart of the credit worthiness transmission method provided in an embodiment of the present invention based on block chain；
Fig. 4 is the structural schematic diagram of the credit worthiness transmission system provided in an embodiment of the present invention based on block chain.
Specific implementation mode
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Lower obtained every other embodiment, shall fall within the protection scope of the present invention.
Currently, e-business draft system is to ratify to establish by People's Bank of China, Development by Depending on Network and computer technology,
Receive, registration, forwarding electronic commercial draft electronic message, provide and e-business draft currency payment, fund clearing behavior phase
Close the comprehensive service process platform for servicing and providing the registration and inquiry of papery commercial draft and commercial draft public offer service.
In practical applications, in supply chain financial field, credit worthiness information is scattered in each family of supply chain and has by oneself in system,
The credit worthiness of core enterprise can only be transmitted to its first order upstream and downstream firms, since the credit worthiness of core enterprise can not be torn open
Point, thus the credit worthiness of core enterprise can not be transmitted to the later upstream and downstream firms of the first order of core enterprise, so, first
The later upstream and downstream firms of grade can not finance according to the credit worthiness of core enterprise, therefore, lead to the first of core enterprise
The expensive problem of the later upstream and downstream firms financing difficulties of grade, financing, is based on this, provided in an embodiment of the present invention a kind of based on block chain
Credit worthiness transmission method, apparatus and system, the first order that can alleviate core enterprise existing in the prior art is later
The expensive technical problem of upstream and downstream firms financing difficulties, financing, has reached convenient for the later upstream and downstream firms of the first order of core enterprise
The technique effect financed using credit worthiness.
For ease of understanding the present embodiment, first to a kind of letter based on block chain disclosed in the embodiment of the present invention
It being described in detail with value delivery method, method is applied to multiple first order upstream and downstream firms nodes in block catenary system,
The block catenary system further includes：Upstream and downstream firms node and a core enterprise after multiple financial institution's nodes, multiple first order
Industry node, as shown in Figure 1, the credit worthiness transmission method based on block chain may comprise steps of.
Illustratively, the block catenary system can also include block chain operation enterprise node, the block chain operation enterprise
Industry node is for safeguarding the block catenary system.
Step S101 receives the Digital Enterprise assets by signature that core enterprise's node is sent, and to described
Digital Enterprise assets are signed to obtain signature digitlization enterprise assets.
Illustratively, the Digital Enterprise assets may include：Commercial acceptance, bank acceptance, the supply of material are closed
Same, warehouse receipt, dispatch list, receiving note, invoice and accounts receivable etc..
Illustratively, for example, the Digital Enterprise assets can be 1,000,000 yuan of a face amount RMB by a definite date 12
A month commercial acceptance.The i.e. described first order upstream and downstream firms node is ordered in some for completing core enterprise's node
Dan Hou is settled accounts, and 1,000,000 yuan of a face amount RMB that core enterprise's node is issued is received after clearing 12 months by a definite date
Commercial acceptance.
Step S102, the assets that enterprise assets generation will be digitized according to the signature deposit card and upload to the block linkwork
System.
Illustratively, the assets deposit card and may include：The numbers such as 1,000,000 yuan of face amount RMB and 12 months time limit of payment
According to.
Step S103 includes credit valence to the financial institution's node transmission assured for core enterprise's node
The logical card distribution application of the assets of value, so that financial institution's node deposits card according to the assets that the block catenary system is shared
The logical card distribution application of the assets is audited.
Illustratively, the logical card distribution application of the assets may include：The information such as the credit worthiness and discount rate.It is described
Credit worthiness may include：Par value information and time limit of payment etc..When the Digital Enterprise assets are a face amount RMB 100
When ten thousand yuan of 12 months by a definite date commercial acceptances, then credit worthiness is equivalent to 1,000,000 yuan of face amount RMB, time limit of payment 12
A month commercial acceptance, the discount rate wait for that financial institution's node is audited.The credit worthiness can be split
For pay invoice.
Step S104 is sent out when receiving financial institution's node to the logical card distribution application of the assets after the approval
When the logical card distribution of signature assets sent is applied, the logical card of assets is uploaded to the block catenary system.
Illustratively, the logical card of the assets can have mark, the mark to deposit card according to the assets and generate.It will be described
Assets are deposited card and are substituted into preset computation rule, and the mark is generated.For example, mark=base58 (sha256 (sha256
(assets deposit card))).
Step S105, when being settled accounts with upstream and downstream firms node after the first order, by the logical card of the assets with
The credit worthiness of amount of money equivalence to be paid pays upstream and downstream firms node after the first order, so that after the first order
Upstream and downstream firms node is financed using the credit worthiness.
Illustratively, the first order upstream and downstream firms node is tied with upstream and downstream firms node after the first order
When calculation, if the amount of money to be paid is 470,000 yuan of present worth RMB, when the discount rate is 6%, the first order upstream and downstream
Enterprise's node can be by the credit with 470,000 yuan of time limit of payment of equal value of present worth RMB for 12 months 500,000 yuan of face amount RMB
Value pays upstream and downstream firms node after the first order, so that upstream and downstream firms node utilizes the time of payment after the first order
The credit worthiness for being limited to 12 months 500,000 yuan of face amount RMB is financed.After the completion of payment, the first order upstream and downstream firms
It there remains the credit worthiness that the time limit of payment is 12 months 500,000 yuan of face amount RMB in node account.
In the embodiment of the present invention, the credit worthiness transmission method provided in an embodiment of the present invention based on block chain is applied to area
Multiple first order upstream and downstream firms nodes in block catenary system, the block catenary system further include：It is multiple financial institution's nodes, more
Upstream and downstream firms node and core enterprise's node after a first order, the method includes：Receive core enterprise's node
The Digital Enterprise assets by signature of transmission, and the Digital Enterprise assets are signed to obtain signature digitlization enterprise
Industry assets；The assets that enterprise assets generation will be digitized according to the signature deposit card and upload to the block catenary system；To for institute
The logical card distribution application of assets that financial institution's node transmission that core enterprise's node is assured includes credit worthiness is stated, with
Financial institution's node is set to deposit card to the logical card distribution application of the assets according to the assets that the block catenary system is shared
It is audited；The signature sent after the approval is being applied for the logical card distribution of the assets when receiving financial institution's node
When the logical card distribution of assets is applied, the logical card of assets is uploaded to the block catenary system；With upstream and downstream firms section after the first order
When point is settled accounts, after paying the credit worthiness with the amount of money to be paid equivalence in the logical card of the assets to the first order
Upstream and downstream firms node, so that upstream and downstream firms node is financed using the credit worthiness after the first order.
So after the first order upstream and downstream firms node and core enterprise's node are traded, described first
Grade upstream and downstream firms node receives the Digital Enterprise assets by signature that core enterprise's node is sent, and to the number
Word enterprise assets are signed to obtain signature digitlization enterprise assets；It will digitize what enterprise assets generated according to the signature
Assets deposit card and upload to the block catenary system；To the financial institution's node hair assured for core enterprise's node
Send the assets including credit worthiness logical card distribution application；It is issued to the logical card of the assets when receiving financial institution's node
When applying for that the logical card distribution of the signature assets sent after the approval is applied, the logical card of assets is uploaded to the block catenary system, in this way
The credit worthiness in the logical card of the assets can be carried out splitting, described for paying the amount of money to be paid of the different amount of money
First order upstream and downstream firms node, will be in the logical card of the assets when being settled accounts with upstream and downstream firms node after the first order
Upstream and downstream firms node after the first order, the credit valence described in this way are paid with the credit worthiness of the amount of money to be paid equivalence
Value can be for delivery to upstream and downstream firms node after the first order here, upstream and downstream firms node after the first order
It is financed using the credit worthiness being transmitted to, core caused by avoiding the credit worthiness due to core enterprise that from can not splitting
The credit worthiness of heart enterprise can not be transmitted to the later upstream and downstream firms of the first order of core enterprise, caused by the first order with
The problem of upstream and downstream firms afterwards can not be financed according to the credit worthiness of core enterprise, therefore, alleviates in the prior art
The expensive technical problem of the later upstream and downstream firms financing difficulties of the first order of existing core enterprise, financing, has reached and has been convenient for core
The technique effect that the later upstream and downstream firms of the first order of enterprise are financed using credit worthiness.
In another embodiment of the present invention, the Digital Enterprise assets include supply contract, warehouse receipt, dispatch list,
When receiving note, invoice and accounts receivable, as shown in Fig. 2, the credit worthiness transmission method based on block chain can also include
Following steps.
Step S201 by the Digital Enterprise assets and is awarded before signing to the Digital Enterprise assets
Letter application is sent to financial institution's node.
Illustratively, it is illustrated by taking the supply contract as an example.When the first order upstream and downstream firms node and described
Core enterprise's node is concluded the transaction, and the supply contract is signed, and the supply contract includes：Delivery and time limit of payment.But the
Level-one upstream and downstream firms node can not necessarily complete order on schedule, therefore, can not necessarily take payment for goods on schedule.So
Before first order upstream and downstream firms node will utilize the logical card of supply contract application issuing asset, carried out for core enterprise's node
Financial institution's node of guarantee will determine whether for first order upstream and downstream firms node credit.
Step S202, when receive credit by after the Digital Enterprise assets of signature, to the number
Change enterprise assets to sign, obtains the signature digitlization enterprise assets.
Illustratively, financial institution's node is carried on the back according to the trade that the first order upstream and downstream firms node uploads in advance
Scape, it is determined whether be first order upstream and downstream firms node credit.The trade background may include：Enterprise management condition and previous
Credit information etc..When according to enterprise management condition and previous credit information, determining that first order upstream and downstream firms node can be on schedule
Take payment for goods, it is determined that can be to the first order upstream and downstream firms node credit, to which first order upstream and downstream firms node can
To upload the logical card of assets to the block catenary system.
In another embodiment of the present invention, the credit worthiness transmission method based on block chain can also include：
When the account of the first order upstream and downstream firms node receives the payment of core enterprise's node or the number
When time limit of payment in word enterprise assets expires, the intelligent contract triggered in the block catenary system carries out assets settlement, clearly
The logical card of the assets is destroyed after the completion of calculating.
Illustratively, after 12 months, the bill payment of the account of core enterprise's node to first order upstream and downstream firms node
1000000 yuans, this is with regard to the intelligent contract in block catenary system described in automatic trigger, and intelligent contract is according to first order upstream and downstream
The transaction occurred between upstream and downstream firms node after enterprise's node and the first order, will be in first order upstream and downstream firms node account
500000 yuans are drawn into the account of upstream and downstream firms node after the first order.After the completion of clearance, the logical card of assets is destroyed.
In another embodiment of the present invention, as shown in figure 3, the credit worthiness transmission method based on block chain may be used also
To include the following steps.
Step S301 uploads itself by the trade background of signature and is traded with oneself before being traded
The first order after upstream and downstream firms node title.
Illustratively, the trade background may include：The enterprise management condition of first order upstream and downstream firms node and with
Toward credit information etc..
Step S302 obtains the process signature of upstream and downstream firms node upload after the first order being traded with oneself
Other trade backgrounds.
Illustratively, other described trade backgrounds may include：The enterprise operation shape of upstream and downstream firms node after the first order
Condition and previous credit information etc..
Step S303 signs to other trade backgrounds described in getting, and upload by signature it is described its
His trade background.
In another embodiment of the present invention, upstream and downstream firms node utilizes the credit worthiness to institute after the first order
It states financial institution node and initiates discount, or when upstream and downstream firms node is settled accounts after the first order with its upstream,
Pay upstream and downstream firms node after the first order of its upstream.
Illustratively, upstream and downstream firms node carries out settling accounts it after upstream and downstream firms node and the first order after first order
Afterwards, upstream and downstream firms node obtains the credit worthiness with the amount of money to be paid equivalence after the first order.If after the first order up and down
Trip enterprise node needs cash, can initiate to discount to financial institution's node, using in the logical card distribution application of signature assets
Discount rate discounted.If upstream and downstream firms node can after the first order of upstream and downstream firms node upstream after the first order
To receive to be settled accounts using credit worthiness, then upstream and downstream firms node can be in the first order with its upstream after the first order
When upstream and downstream firms node is settled accounts afterwards, credit worthiness is paid to upstream and downstream firms section after the first order of its upstream
Point.The credit worthiness of core enterprise can not be transmitted to core caused by avoiding the credit worthiness due to core enterprise and can not splitting
The later upstream and downstream firms of the first order of enterprise, the later upstream and downstream firms of the first order can not be according to core enterprise caused by
Credit worthiness the problem of being financed therefore alleviate later upper of the first order of core enterprise existing in the prior art
The expensive technical problem of down-stream enterprise's financing difficulties, financing has reached convenient for the later upstream and downstream firms profit of the first order of core enterprise
The technique effect financed with credit worthiness.
In another embodiment of the present invention, to a kind of credit worthiness based on block chain disclosed in the embodiment of the present invention
Transfer device describes in detail, including：Receiving module, the first uploading module, sending module, the second uploading module and payment mould
Block；
The receiving module, the Digital Enterprise assets by signature sent for receiving core enterprise's node, and it is right
The Digital Enterprise assets are signed to obtain signature digitlization enterprise assets；
First uploading module, the assets for that will digitize enterprise assets generation according to the signature are deposited card and are uploaded to
The block catenary system；
The sending module, for including letter to the financial institution's node transmission assured for core enterprise's node
Lead to card distribution application with the assets of value, so that financial institution's node deposits card according to the assets that block catenary system is shared
The logical card distribution application of the assets is audited；
Second uploading module receives financial institution's node to the logical card distribution application of the assets for working as
When the logical card distribution of signature assets sent after the approval is applied, the logical card of assets is uploaded to the block catenary system；
The payment module, for when with upstream and downstream firms node is settled accounts after the first order, the assets to be led to card
In with the credit worthiness of the amount of money to be paid equivalence pay upstream and downstream firms node after the first order so that described first
Upstream and downstream firms node is financed using the credit worthiness after grade.
In another embodiment of the present invention, to a kind of credit worthiness based on block chain disclosed in the embodiment of the present invention
Transmission system describes in detail, including：Upstream and downstream firms node, a core after multiple financial institution's nodes, multiple first order
Heart enterprise node, regulatory agency's node, a block chain operation enterprise node and multiple applications such as above-described embodiment are any
The first order upstream and downstream firms node of the method.
Illustratively, include with the credit worthiness transmission system based on block chain：One financial institution's node, two
Upstream and downstream firms node, core enterprise's node, regulatory agency's node, a block chain operation enterprise section after the first order
It is illustrated for point and two first order upstream and downstream firms nodes.As shown in figure 4, the credit worthiness based on block chain passes
Delivery system may include：Upstream and downstream firms after upstream and downstream firms node 42, the first order after one financial institution's node 41, the first order
Node 43, one core enterprise's node 44, one regulatory agency's node 45, one block chain operation enterprise node 46, the first order
Upstream and downstream firms node 47 and first order upstream and downstream firms node 48.
In another embodiment of the present invention, to disclosed in the embodiment of the present invention it is a kind of with processor can perform it is non-
The computer-readable medium of volatile program code describes in detail, and said program code makes the processor execute above-mentioned reality
Apply any method of example.
Unless specifically stated otherwise, the opposite step of the component and step that otherwise illustrate in these embodiments, digital table
It is not limit the scope of the invention up to formula and numerical value.
The technique effect and preceding method embodiment phase of the device that the embodiment of the present invention is provided, realization principle and generation
Together, to briefly describe, device embodiment part does not refer to place, can refer to corresponding contents in preceding method embodiment.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description
It with the specific work process of device, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.
In all examples being illustrated and described herein, any occurrence should be construed as merely illustrative, without
It is as limitation, therefore, other examples of exemplary embodiment can have different values.
It should be noted that：Similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined, then it further need not be defined and explained in subsequent attached drawing in a attached drawing.
Flow chart and block diagram in attached drawing show the system, method and computer journey of multiple embodiments according to the present invention
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part for a part for one module, section or code of table, the module, section or code includes one or more uses
The executable instruction of the logic function as defined in realization.It should also be noted that in some implementations as replacements, being marked in box
The function of note can also occur in a different order than that indicated in the drawings.For example, two continuous boxes can essentially base
Originally it is performed in parallel, they can also be executed in the opposite order sometimes, this is depended on the functions involved.It is also noted that
It is the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, can uses and execute rule
The dedicated hardware based system of fixed function or action is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
In addition, in the description of the embodiment of the present invention unless specifically defined or limited otherwise, term " installation ", " phase
Even ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or be integrally connected；It can
Can also be electrical connection to be mechanical connection；It can be directly connected, can also indirectly connected through an intermediary, Ke Yishi
Connection inside two elements.For the ordinary skill in the art, above-mentioned term can be understood at this with concrete condition
Concrete meaning in invention.
In the description of the present invention, it should be noted that term "center", "upper", "lower", "left", "right", "vertical",
The orientation or positional relationship of the instructions such as "horizontal", "inner", "outside" be based on the orientation or positional relationship shown in the drawings, merely to
Convenient for the description present invention and simplify description, do not indicate or imply the indicated device or element must have a particular orientation,
With specific azimuth configuration and operation, therefore it is not considered as limiting the invention.In addition, term " first ", " second ",
" third " is used for description purposes only, and is not understood to indicate or imply relative importance.
What the embodiment of the present invention was provided carries out the computer program product of the credit worthiness transmission method based on block chain,
Computer readable storage medium including storing the executable non-volatile program code of processor, said program code include
Instruction can be used for execute previous methods embodiment described in method, specific implementation can be found in embodiment of the method, herein no longer
It repeats.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, it can be with
It realizes by another way.The apparatus embodiments described above are merely exemplary, for example, the division of the unit,
Only a kind of division of logic function, formula that in actual implementation, there may be another division manner, in another example, multiple units or component can
To combine or be desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or beg for
The mutual coupling, direct-coupling or communication connection of opinion can be by some communication interfaces, device or unit it is indirect
Coupling or communication connection can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in the executable non-volatile computer read/write memory medium of a processor.Based on this understanding, of the invention
Technical solution substantially the part of the part that contributes to existing technology or the technical solution can be with software in other words
The form of product embodies, which is stored in a storage medium, including some instructions use so that
One computer equipment (can be personal computer, server or the network equipment etc.) executes each embodiment institute of the present invention
State all or part of step of method.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-
Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with
Store the medium of program code.
Finally it should be noted that：Embodiment described above, only specific implementation mode of the invention, to illustrate the present invention
Technical solution, rather than its limitations, scope of protection of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, it will be understood by those of ordinary skill in the art that：Any one skilled in the art
In the technical scope disclosed by the present invention, it can still modify to the technical solution recorded in previous embodiment or can be light
It is readily conceivable that variation or equivalent replacement of some of the technical features；And these modifications, variation or replacement, do not make
The essence of corresponding technical solution is detached from the spirit and scope of technical solution of the embodiment of the present invention, should all cover the protection in the present invention
Within the scope of.Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. a kind of credit worthiness transmission method based on block chain, which is characterized in that method is applied to more in block catenary system
A first order upstream and downstream firms node, the block catenary system further include：After multiple financial institution's nodes, multiple first order up and down
Enterprise's node and core enterprise's node are swum, the method includes：
The Digital Enterprise assets by signature that core enterprise's node is sent are received, and to the Digital Enterprise assets
It is signed to obtain signature digitlization enterprise assets；
The assets that enterprise assets generation will be digitized according to the signature deposit card and upload to the block catenary system；
Include the logical card of assets of credit worthiness to the financial institution's node transmission assured for core enterprise's node
Distribution application leads to the assets so that financial institution's node deposits card according to the assets that the block catenary system is shared
Card distribution application is audited；
The signature assets sent after the approval are being applied for the logical card distribution of the assets when receiving financial institution's node
When logical card distribution application, the logical card of assets is uploaded to the block catenary system；
It, will be of equal value with the amount of money to be paid in the logical card of the assets when being settled accounts with upstream and downstream firms node after the first order
The credit worthiness pay upstream and downstream firms node after the first order so that upstream and downstream firms node after the first order
It is financed using the credit worthiness.
2. the credit worthiness transmission method according to claim 1 based on block chain, which is characterized in that in the digitlization
When enterprise assets include supply contract, warehouse receipt, dispatch list, receiving note, invoice and accounts receivable, the method further includes：
Before signing to the Digital Enterprise assets, the Digital Enterprise assets and credit application are sent to institute
State financial institution's node；
When receive credit by after the Digital Enterprise assets of signature, to the Digital Enterprise assets carry out
Signature obtains the signature digitlization enterprise assets.
3. the credit worthiness transmission method according to claim 2 based on block chain, which is characterized in that further include：
When the account of the first order upstream and downstream firms node receives the payment of core enterprise's node or the digitlization
When time limit of payment in enterprise assets expires, the intelligent contract triggered in the block catenary system carries out assets settlement, has cleared
The logical card of the assets is destroyed at rear.
4. the credit worthiness transmission method according to claim 3 based on block chain, which is characterized in that further include：
Before being traded, itself is uploaded after the trade background of signature and the first order being traded with oneself
The title of upstream and downstream firms node；
Other trades back of the body by signature that upstream and downstream firms node uploads after the first order that acquisition is traded with oneself
Scape；
It signs to other trade backgrounds described in getting, and uploads other described trade backgrounds by signature.
5. the credit worthiness transmission method according to claim 4 based on block chain, which is characterized in that after the first order
Upstream and downstream firms node using the credit worthiness to financial institution's node initiate discount, or with described in its upstream
When upstream and downstream firms node is settled accounts after the first order, upstream and downstream firms node after the first order of its upstream is paid.
6. the credit worthiness transmission method according to claim 5 based on block chain, which is characterized in that the logical card of the assets
With mark, the mark is deposited card according to the assets and is generated.
7. the credit worthiness transmission method according to claim 6 based on block chain, which is characterized in that the block linkwork
System further includes block chain operation enterprise node, and the block chain operation enterprise node is for safeguarding the block catenary system.
8. a kind of credit worthiness transfer device based on block chain, which is characterized in that including：Receiving module, the first uploading module,
Sending module, the second uploading module and payment module；
The receiving module, the Digital Enterprise assets by signature sent for receiving core enterprise's node, and to described
Digital Enterprise assets are signed to obtain signature digitlization enterprise assets；
First uploading module, the assets for that will digitize enterprise assets generation according to the signature deposit card and upload to block
Catenary system；
The sending module, for including credit valence to the financial institution's node transmission assured for core enterprise's node
The logical card distribution application of the assets of value, so that financial institution's node deposits card to institute according to the assets that block catenary system is shared
The logical card distribution application of assets is stated to be audited；
Second uploading module, for when receiving financial institution's node to the logical card distribution application audit of the assets
When leading to card distribution application by the signature assets of rear transmission, the logical card of assets is uploaded to the block catenary system；
The payment module, for when with upstream and downstream firms node is settled accounts after the first order, by the logical card of the assets with
The credit worthiness of amount of money equivalence to be paid pays upstream and downstream firms node after the first order, so that after the first order
Upstream and downstream firms node is financed using the credit worthiness.
9. a kind of credit worthiness transmission system based on block chain, which is characterized in that including：It is multiple financial institution's nodes, multiple
Upstream and downstream firms node, core enterprise's node, regulatory agency's node, a block chain operation enterprise section after the first order
The first order upstream and downstream firms node of point and multiple applications such as any the methods of claim 1-7.
10. a kind of computer-readable medium for the non-volatile program code that can perform with processor, which is characterized in that described
Program code makes the processor execute described any the methods of claim 1-7.
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| CN201810412918.5A CN108564387A (en) | 2018-05-02 | 2018-05-02 | Credit worthiness transmission method, apparatus and system based on block chain |
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|---|---|---|---|
| CN201810412918.5A CN108564387A (en) | 2018-05-02 | 2018-05-02 | Credit worthiness transmission method, apparatus and system based on block chain |
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| CN201810412918.5A Pending CN108564387A (en) | 2018-05-02 | 2018-05-02 | Credit worthiness transmission method, apparatus and system based on block chain |
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| CN112508686A (en) * | 2020-12-16 | 2021-03-16 | 金网络(北京)电子商务有限公司 | Supply chain financial credit line post-processing method and system |
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