CN108629684A - The method, apparatus and readable storage medium storing program for executing of circulation are split for controlling credit - Google Patents

The method, apparatus and readable storage medium storing program for executing of circulation are split for controlling credit Download PDF

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Publication number
CN108629684A
CN108629684A CN201810435938.4A CN201810435938A CN108629684A CN 108629684 A CN108629684 A CN 108629684A CN 201810435938 A CN201810435938 A CN 201810435938A CN 108629684 A CN108629684 A CN 108629684A
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China
Prior art keywords
block chain
enterprise
chain account
account
transaction
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CN201810435938.4A
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Chinese (zh)
Inventor
迟祥
宋文鹏
石欣慰
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Baibao (Shanghai) Technology Co.,Ltd.
Zhongan Information Technology Service Co Ltd
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Zhongan Information Technology Service Co Ltd
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Priority to CN201810435938.4A priority Critical patent/CN108629684A/en
Publication of CN108629684A publication Critical patent/CN108629684A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/018Certifying business or products
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

Present disclosure discloses the method for splitting circulation for controlling supply chain credit, including financial institution's node in block chain network according to the credit line that the credit grade of enterprise is business licenses enterprise;The credit line voucher of enterprise is obtained at the first block chain account in block chain network;When there is transaction relevant with project in another block chain account in the first block chain account and block chain network, part in the credit line voucher for the enterprise that first block chain account is held it is sent to another block chain account, and by all nodes of transaction being synchronized to for information about by any node in block chain network in block chain network.The credit line voucher of enterprise can be traded transfer to effectively prevent multi-party dispute over obligation by content of this disclosure in block chain network, it and will be in all synchronizing informations to block chain network in each link of supply chain, it is ensured that Transaction Information has the characteristic that really can be traced and can not distort.

Description

The method, apparatus and readable storage medium storing program for executing of circulation are split for controlling credit
Technical field
Content of this disclosure is related to block chain technical field, more particularly to a kind of for controlling the fractionation circulation of supply chain credit Method, apparatus and corresponding computer readable storage medium.
Background technology
Block chain (Block Chain) technology be in recent years the field financial technology (FinTech) occur one kind it is emerging Technology, the attributes such as unique decentralization, information can not distort, multinode collective maintainability, publicity, secret protection, Believable trading information data is provided based on that in incredible internet, can record.
Block chain is generally divided into publicly-owned chain, alliance's chain and privately owned chain according to access rights.Wherein, publicly-owned chain refers to for anyone The block chain of common recognition can be accessed and participated according to agreement;Alliance's chain refers to that its common recognition process is controlled by preselected node Block chain;Privately owned chain refers to during all permissions are all organized at one, and by the block chain of the arbitrary control of the tissue.
Financial institution, core enterprise, supplier at different levels participate jointly in existing supply chain ecology, due to supply This scene of chain naturally needs multi-party cooperative, but the mechanism of neither one conventional center is administering, so interest relations are held Easily form information island;And it is frequently present of account rent item between suppliers at different levels mutually to circulate relationship, polygonal debition, account It is engaged in the problems such as unknown;Fraud problem can occur simultaneously so that fix duty is difficult, can not effectively be put to the proof.
Multi-party cooperative is needed in view of supply chain itself, but the mechanism without conventional center is administered.It is sharp based on this With the natural decentralization attribute of block chain technology, built in supply chain business is more particularly to the business of supply chain financial sector Vertical each side trusts and can solve the above problems.
Invention content
Due to presently, there are supply chain in have as following drawbacks:Be frequently present of between the upstream and downstream of enterprise credit and/or Bill splits circulation problem;Polygonal color participates in so that interest relations are easy to form information island in supply chain ecology;Supplies at different levels Between quotient there is also account rent item mutually circulate relationship, polygonal debition, account is unknown the problems such as, and the medium and small supply in part Quotient locks into cash flow, and the problems in environment in opposite weak tendency and financing difficulties make what enterprise development was restricted to ask Topic;And it is easy to happen fraud problem, and when there are debt problem, it is each that debt side's fix duty is difficult, can not effectively put to the proof etc. Kind problem.
In view of the above-mentioned problems, the first aspect of content of this disclosure proposes one kind splitting stream for controlling supply chain credit The method turned, the method includes:
Financial institution's node in block chain network is according to the credit that the credit grade of enterprise is the business licenses enterprise Amount;
The credit line voucher of the enterprise is obtained at the first block chain account in the block chain network;
Exist and project phase in the first block chain account and another block chain account in the block chain network When the transaction of pass, the part in the credit line voucher for the enterprise that the first block chain account is held it is sent to Another described block chain account, and being synchronized by any node in the block chain network for information about by the transaction All nodes onto the block chain network.
In one embodiment according to content of this disclosure, obtained at the first block chain account in block chain network The credit line voucher of enterprise includes:When the first block chain account is block chain account corresponding with the enterprise, The first block chain account obtains the amount of money corresponding with the credit line of enterprise of financial institution's node offer endorsement The credit line voucher of the enterprise;Or when the first block chain account is any supplier's phase with the participation project When corresponding block chain account, the first block chain account obtains opposite with the transaction amount of project relationship trading is carried out The credit line voucher for the enterprise answered.
In one embodiment according to content of this disclosure, the letter that the first block chain account is held it Being sent to another described block chain account with the part in amount voucher includes:When the first block chain account be with it is described The corresponding block chain account of enterprise and another described block chain account is block chain account corresponding with any supplier When family, the first block chain account sends the part in the credit line voucher of the enterprise corresponding with the transaction To another described block chain account;Or when the first block chain account is block chain account corresponding with any supplier Family and when another described block chain account is block chain account corresponding with another supplier, the first block chain Part in the credit line voucher of the enterprise corresponding with the transaction is sent to another described block chain by account Account.
In one embodiment according to content of this disclosure, the credit line of the enterprise corresponding with the transaction Part in voucher corresponds to the transaction amount of the transaction.
In one embodiment according to content of this disclosure, the transaction includes at least for information about:With the friendship Easy associated contract information, both parties' information, exchange hour, transaction amount and/or transaction content information, wherein described Transaction content information includes at least:Logistics information, storage information.
In one embodiment according to content of this disclosure, the transaction is passed through into the block link network for information about All nodes that any node on network is synchronized in the block chain network include:
Institute will be synchronized to by any node in the block chain network after being encrypted for information about of the transaction State all nodes in block chain network.
In one embodiment according to content of this disclosure, the method further includes:From the block chain network At least one of for information about transaction of all transaction is checked at any node for information about.
In one embodiment according to content of this disclosure, the method further includes:Based on exchange rule, with enterprise or The line of credit for the enterprise being stored at one or more block chain accounts in the block chain network is exchanged by financial institution Spend voucher.
In one embodiment according to content of this disclosure, form and utilization of the block chain network using alliance's chain KYB and KYC technologies carry out real-name authentication.
The second aspect of content of this disclosure proposes a kind of device splitting circulation for controlling supply chain credit, described Device includes:
Credit line authorization module, the credit line authorization module are configured such that the financial machine in block chain network Structure node is according to the credit line that the credit grade of enterprise is the business licenses enterprise;
Credit line voucher memory module, the credit line voucher memory module are configured as in the block chain network On the first block chain account at obtain the credit line voucher of the enterprise;
Transaction transmission module, the transaction transmission module are configured as in the first block chain account and the block chain When there is transaction relevant with project in another block chain account on network, what the first block chain account was held it Part in the credit line voucher of the enterprise is sent to another described block chain account, and by the related letter of the transaction Breath is synchronized to all nodes in the block chain network by any node in the block chain network.
In one embodiment according to content of this disclosure, the credit line voucher memory module is further configured For:
When the first block chain account is block chain account corresponding with the enterprise, the first block chain account Family obtains the line of credit of the enterprise of the amount of money corresponding with the credit line of enterprise of financial institution's node offer endorsement Spend voucher;Or
When the first block chain account is block chain account corresponding with any supplier of project is participated in, The first block chain account obtains the credit of the enterprise corresponding with the transaction amount of project relationship trading is carried out Amount voucher.
In one embodiment according to content of this disclosure, the letter that the first block chain account is held it Being sent to another described block chain account with the part in amount voucher includes:
When the first block chain account is block chain account corresponding with the enterprise and another described block When chain account is block chain account corresponding with any supplier, the first block chain account will be corresponding with the transaction The enterprise credit line voucher in part be sent to another described block chain account;Or
When the first block chain account is block chain account corresponding with any supplier and another described area When block chain account is block chain account corresponding with another supplier, the first block chain account will be with the transaction phase Part in the credit line voucher of the corresponding enterprise is sent to another described block chain account.
The third aspect of content of this disclosure proposes a kind of computer readable storage medium, and the storage medium includes referring to It enables, when executed so that the processor of the computer is at least used for:
Financial institution's node in block chain network is according to the credit that the credit grade of enterprise is the business licenses enterprise Amount;
The credit line voucher of the enterprise is obtained at the first block chain account in the block chain network;
Exist and project phase in the first block chain account and another block chain account in the block chain network When the transaction of pass, the part in the credit line voucher for the enterprise that the first block chain account is held it is sent to Another described block chain account, and being synchronized by any node in the block chain network for information about by the transaction All nodes onto the block chain network.
In one embodiment according to content of this disclosure, obtained in the first block chain account in block chain network The credit line voucher of enterprise includes:
When the first block chain account is block chain account corresponding with the enterprise, the first block chain account Family obtains the line of credit of the enterprise of the amount of money corresponding with the credit line of enterprise of financial institution's node offer endorsement Spend voucher;Or
When the first block chain account is block chain account corresponding with any supplier of project is participated in, The first block chain account obtains the credit of the enterprise corresponding with the transaction amount of project relationship trading is carried out Amount voucher.
In one embodiment according to content of this disclosure, the letter that the first block chain account is held it Being sent to another described block chain account with the part in amount voucher includes:
When the first block chain account is block chain account corresponding with the enterprise and another described block When chain account is block chain account corresponding with any supplier, the first block chain account will be corresponding with the transaction The enterprise credit line voucher in part be sent to another described block chain account;Or
When the first block chain account is block chain account corresponding with any supplier and another described area When block chain account is block chain account corresponding with another supplier, the first block chain account will be with the transaction phase Part in the credit line voucher of the corresponding enterprise is sent to another described block chain account.
According to content of this disclosure for control supply chain credit split circulation method and apparatus and accordingly based on The credit line voucher of enterprise can be traded transfer by calculation machine readable storage medium storing program for executing in block chain network, and by supply chain Each link in all synchronizing informations to block chain network (that is, each node on the block chain) in so that with this The relevant each participant of mesh (that is, financial institution, with the relevant enterprise of project, supplier and to pass through the block chain mandate accurate The node entered) above- mentioned information can be consulted;And prevent the information in any environment from being faked or being distorted using block chain technology, It ensures that information truth is effective, can trace, can not distort;And content of this disclosure utilizes the credit line voucher of enterprise Effective financial management can be carried out in block chain network so that account is clear, can look into and can trace, and solves confession Some problems of chain financial sector are answered, for example, solve the problems, such as that bill (or receivable money of paying a bill) can not be split in traditional supply chain, The financial pressure of supply chain main body is alleviated, can also further solve the problems, such as that small micro- Corporate finance is difficult.
Description of the drawings
It refers to the following detailed description in conjunction with the accompanying drawings, the feature, advantage and other aspects of the presently disclosed embodiments will become Must be more obvious, show several embodiments of the disclosure by way of example rather than limitation herein, in the accompanying drawings:
Fig. 1 is the flow chart for splitting the method for circulation for controlling supply chain credit according to content of this disclosure;
Frame is applied Fig. 2 shows the method implemented according to content of this disclosure for controlling the fractionation circulation of supply chain credit Composition;And
Fig. 3 shows the schematic diagram for splitting the device of circulation for controlling supply chain credit according to content of this disclosure.
Specific implementation mode
Each exemplary embodiment of the disclosure is described in detail below with reference to attached drawing.Flow chart and block diagram in attached drawing are shown The architecture, function and operation in the cards of method and system according to various embodiments of the present disclosure.It should be noted that Each box in flowchart or block diagram can represent a part for a module, program segment, or code, the module, program Section or a part for code may include one or more being held for realizing the logic function of defined in each embodiment Row instruction.It should also be noted that in some alternative implementations, the function of being marked in box can also be according to different from attached The sequence marked in figure occurs.For example, two boxes succeedingly indicated can essentially be basically executed in parallel or it Can also execute in a reverse order sometimes, this depend on involved function.It should also be noted that flow chart And/or the combination of each box in block diagram and the box in flowchart and or block diagram, work(as defined in executing can be used Can or the dedicated hardware based system of operation realize, or can make using a combination of dedicated hardware and computer instructions to combine and It realizes.
Term as used herein "include", "comprise" and similar terms are understood to open term, i.e., " including/including but not limited to ", expression can also include other content.Term "based" is " being based at least partially on ".Term " one embodiment " expression " at least one embodiment ";Term " another embodiment " expression " at least one other embodiment ", Etc..
Technology, method and apparatus known to person of ordinary skill in the relevant may be not discussed in detail, but suitable In the case of, the technology, method and apparatus should be considered as part of specification.For between each unit in attached drawing Line, it is only for convenient for explanation, indicate that the unit at least line both ends is in communication with each other, it is not intended that limitation does not connect It can not be communicated between the unit of line.
Fig. 1 be the disclosure for control supply chain credit split circulation method, especially by financial institution, enterprise with And one or more suppliers form the block chain network for the supply chain for detailed programs using block chain network.It is described Method is specific as follows:
In the step 110 of Fig. 1, financial institution's node in block chain network is awarded according to the credit grade of enterprise for enterprise Weigh the credit line of the enterprise.
In the step 120 of Fig. 1, at the first block chain account in block chain network obtain enterprise credit line with Card.More specifically, when the first block chain account is block chain account corresponding with the enterprise, the first block chain account obtains The credit line voucher of the enterprise of the corresponding amount of money of the credit line of enterprise of endorsement is provided with financial institution node;Thus with it is existing There is practical directly provide a loan to corporate payments of financial institution in technology to compare, can effectively alleviate the financial pressure of financial institution. When the first block chain account is block chain account corresponding with any supplier of project is participated in, the first block chain account Obtain the credit line voucher of the enterprise corresponding with the transaction amount for carrying out the project relationship trading;Any of which supplier Block chain account in the credit line voucher of enterprise that stores be enterprise block chain account in the line of credit of enterprise that stores Spend the part in voucher.
Content of this disclosure further include financial institution can select otherwise (for example, under block chain) to enterprise Credit line is authorized, and carries out signature endorsement to the credit line of enterprise in block chain network.
In content of this disclosure, the block chain for being applied to the supply chain of content of this disclosure includes four or more section Point is (for example, one or more of nodes are at least in financial institution's node, enterprise's node and supplier's node type It is one or more), when ensuring any nodes break down therein, entire block chain network still can be with normal operation (its In number of nodes uses 3F+1 principles, wherein F (F=1,2,3 ...) on the block chain be the number of nodes of permission failure), Suo Youjie The common synchrodata content of point.When user creates block chain account (for example, any supplier, which may not need, creates block chain link Point, it is only necessary to create the method that its corresponding block chain account can realize content of this disclosure) when, apply for Account activation, The public key of account will be recorded in entire block chain network, and the block chain account becomes effective account at this time.
In step 130, another block chain account in the first block chain account and block chain network exists and item When the relevant transaction of mesh, the part in the credit line voucher for the enterprise that the first block chain account is held it is sent to another A block chain account, and the transaction is synchronized to the block chain network by any node in block chain network for information about On all nodes.
When the first block chain account be block chain account corresponding with the enterprise and another block chain account be with When the corresponding block chain account of any supplier, the first block chain account is by the credit line of enterprise corresponding with the transaction Part in voucher is sent to another block chain account.The line of credit of the enterprise corresponding with the transaction in this step Degree voucher corresponds specifically to the transaction amount of the transaction.
When the first block chain account is block chain account corresponding with any supplier and another block chain account When being block chain account corresponding with another supplier, the first block chain account is by the letter of enterprise corresponding with the transaction It is sent to another block chain account with the part in amount voucher.Enterprise corresponding with this transaction in this step Credit line voucher specifically correspond to the transaction amount of the transaction, for example, when the amount of money of the transaction amount of the transaction is 50 When ten thousand RMB, then the equivalent amount of the credit line voucher of this corresponding enterprise that merchandises is also 500,000 RMB.
In step 130, by after being encrypted for information about of the transaction that the transaction is formed, pass through the block link network Any node on network is synchronized to all nodes of block chain network.Specifically, using the data management mould in block chain network Formula (manage data) being synchronized to the transaction for information about at all nodes of block chain network.
In step 130 each transaction at least include for information about:Contract letter associated with this transaction (for example, the target of the transaction, quantity etc.), both parties' information, exchange hour, transaction amount and/or transaction content information are ceased, Wherein, transaction content information includes at least:Logistics information, storage information.
In addition, all nodes in block chain network in step 130 include:Financial institution's node, with the project phase Enterprise's node of pass, other nodes with the relevant all supplier's nodes of the project and the block chain mandate access.
In addition, disclosed method further includes:Having for all transaction is checked from any node in block chain network Close the transaction of at least one of information for information about.When with the relevant enterprise of the project and/or any supplier because some is handed over Easily when there is credit and debt problem, the enterprise and/or supplier can check and trace the transaction for information about and with this Transaction relevant All Activity for information about, to be effectively performed evidence preserve convenient in necessary program of calling to account into Row is put to the proof.
In addition, disclosed method further includes:Based on rule is exchanged, is exchanged with enterprise or financial institution and be stored in block chain The credit line voucher of the enterprise at one or more block chain accounts on network.The step specifically includes following operation:
If the credit line voucher of the enterprise reaches stipulated time account phase, one or more suppliers can be according to it The credit line voucher of the enterprise of the respective numbers held carries out honouring for legal tender with the enterprise.If the enterprise Credit line voucher does not reach stipulated time account phase also, then the respective numbers that one or more suppliers can be held according to it The enterprise credit line voucher and financial institution carry out legal tender and honour, honour at this time due to not yet due, then can be with According to the time limit agreement redemption of conditional (for example, service charge, service charge etc. are exchanged or increased after setting ratio is given a discount) into Row honour, these redemption of conditional can financial institution authorize the enterprise credit line contract in formulate, exchanged in this Mode can make small enterprise realize financing, in the current social thus solved it is pure small Corporate finance hardly possible problem.
Block chain network in disclosed method uses the form of alliance's chain and utilizes KYB (Know Your Business) and KYC (Know Your Customer) technology carries out real-name authentication, since KYB and KYC technologies are by handing over The circulation of the credit line voucher of easy both sides, source and enterprise and consider corporate behavior and transaction after enterprise operation history Appropriate, the responsible investigation that the appropriateness and reasonability of form are made, to obtain the technology completely understood, so that should Block chain network can be supervised by rule are closed, it is ensured that safety in utilization, reliability and the legitimacy of block chain network.
P2P networks, cryptography, common recognition mechanism, intelligent contract in block chain technology is utilized in the above method of the disclosure Four component parts so that all roles (for example, enterprise and the relevant supplier of project) in supply chain can be to this The entire supply chain of purpose, which exercises supervision, to be checked, financial swindling is effectively prevented, to make good supply chain ecology Credit system in circle.
Alternatively, it is above-mentioned for control supply chain credit split circulation method can by computer program product come It realizes.Computer program product may include computer readable storage medium, containing each side for executing the disclosure The computer-readable program instructions in face.Computer readable storage medium can keep and store to be made by instruction execution equipment The tangible device of instruction.Computer readable storage medium can for example be but not limited to storage device electric, magnetic storage apparatus, Light storage device, electromagnetism storage device, semiconductor memory apparatus or above-mentioned any appropriate combination.Computer-readable storage The more specific example (non exhaustive list) of medium includes:Portable computer diskette, hard disk, random access memory (RAM), Read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), static RAM (SRAM), Portable compressed disk read-only memory (CD-ROM), digital versatile disc (DVD), memory stick, floppy disk, mechanical coding equipment, example Such as it is stored thereon with punch card or groove internal projection structure and the above-mentioned any appropriate combination of instruction.It is used here Computer readable storage medium be not interpreted instantaneous signal itself, the electromagnetism of such as radio wave or other Free propagations Wave, the electromagnetic wave (for example, the light pulse for passing through fiber optic cables) propagated by waveguide or other transmission mediums or pass through electric wire The electric signal of transmission.
Compared with prior art, method proposed by the present invention can efficiently solve existing supply chain business (especially Be related to supply chain financial sector) some problems, the advantage is that the following aspects:
First, can utilize the credit line of the corresponding enterprise of the credit line of the enterprise authorized via financial institution with Card pays the tranaction costs that each bargain link generates in block chain network, realizes the detachable flowable of business standing Property.
Secondly, this method, which using the information of block chain network can not distort characteristic, information and can look into, can trace feature, and use The block chain network of alliance's chain form so that the circulation of all credit line vouchers is suitable for supply chain ecology inside, to ensure The safety of credit line voucher avoids to be fooled by criminal and fry, generates invalid financial bubble.
Finally, this method uses the Db Management Model (manage data) in block chain network by the related letter of transaction Breath is synchronized at all nodes of block chain network so that becoming for information about for the transaction can not be distorted but can be inquired and can trace Information, and can define, truly show the details merchandised every time.
Fig. 2 is concrete application of the disclosed method in actually using scene, and it illustrates according to content of this disclosure Implement the application architecture figure for splitting the method for circulation for controlling supply chain credit.Wherein, the block chain in Fig. 2 includes at least enterprise 231, first supplier's nodes 232 of industry node and financial institution's node 233.Preferably, the block disclosed in the present embodiment Chain application architecture uses the form of alliance's chain and utilizes KYB (Know Your Business) and KYC (Know Your Customer) technology carries out real-name authentication, to ensure reliability, the safety of transaction.
First, financial institution's node 233 in block chain network is business licenses enterprise according to the credit grade of enterprise Credit line.
Financial institution 250 utilizes existing or the enterprise of appraisal procedure comprehensive assessment that may be present in the future 240 credit etc. Grade, and financial institution's node 233 is according to the credit line of the credit grade mandate enterprise 240.Enterprise 240 can issue it The authorized signature that financial institution 250 is added while credit line voucher is endorsed as the credit line voucher so that is arbitrarily held Have the credit line voucher of the enterprise 240 individual or entity can according to the exchange rule arranged and the enterprise 240 in advance or Financial institution 250 is exchanged.
It then, will be according to setting ratio (for example, 1:1) credit line of enterprise 240 is allocated so that enterprise 240 Credit line voucher total quantity correspond to enterprise 240 credit line quantity allotted.For example, financial institution 250 authorizes The credit line of enterprise 240 is 1,000,000 RMB amounts, then the total quantity of the credit line voucher of enterprise 240 is 1,000,000, That is, the credit line voucher of each enterprise 240 is worth 1 yuan.
Secondly, the credit line voucher of the enterprise is obtained at the first block chain account in block chain network.Specific behaviour Make as follows:
All credit line vouchers of enterprise 240 are transferred to middleware 220 by application layer 210 so that middleware 220 is to every The credit line voucher of a enterprise 240 is encrypted, to the block corresponding with enterprise 240 in block link layer 230 All credit line vouchers that encrypted enterprise 240 is stored at chain account, to ensure transaction security.
Secondly, enterprise 240 and first supplier 260 handed over some project (for example, project A) relevant first time Easily, concrete operations are as follows:
First, the block chain account corresponding with enterprise 240 in block link layer 230 sends the transaction with transaction for the first time Part in the credit line voucher of the corresponding enterprise of the amount of money 240 is in block link layer 230 and first 260 phase of supplier At corresponding block chain account.Specifically, when enterprise 240 and first supplier 260 merchandise about the first time of project A When so that with the part in the credit line voucher of the enterprise 240 of the transaction amount equivalence of this deal engagement from enterprise 240 Corresponding block chain account is transferred to block chain account corresponding with first supplier 260.
Second, by being synchronized to for information about at all nodes of block link layer 230 for first time transaction.Enterprise 240 and/or First supplier 260 is transferred to middleware 220 by application layer 210 for information about by first time transaction, so that intermediate Part 220 to the first time merchandise be encrypted for information about after by 231, first supplier's nodes 232 of enterprise's node with And any node in financial institution's node 233 is synchronized to all nodes of block link layer 230 (for example, enterprise's node 231, One supplier's node 232, financial institution's node 233 and other nodes with the block chain mandate access) on.
In the present embodiment, that merchandises for the first time includes at least for information about:Contract letter associated with merchandising for the first time Breath, both parties' information, exchange hour, transaction amount and/or transaction content information, wherein the transaction content information is at least wrapped It includes:Logistics information, storage information.
In the present embodiment, the Db Management Model of transaction for the first time used for information about in block chain network (manage data) is synchronized to after being handled at all nodes of block link layer.
When supply chain include multiple suppliers (for example, first supplier 260, n-th supplier, the N+1 supply Quotient 270) when participating in project A, then there is the transaction of first supplier 260 and other one or more suppliers and described Other one or more suppliers transaction with other one or more suppliers respectively.Any two illustrated below supplies It answers when being traded transfer between quotient (that is, holding the n-th supplier of the credit line voucher of enterprise 240 and the N+1 supplies When quotient 270 being answered to carry out the M times transaction relevant with project A (wherein, N=1,2,3 ...;M=2,3,4 ...)) concrete operations:
First, the enterprise 240 that the block chain account corresponding with n-th supplier in block link layer 230 is held Credit line voucher in part be sent to the block chain corresponding with the N+1 supplier 270 in block link layer 230 At account.Specifically, when n-th supplier and the N+1 supplier 270 carry out the M times transaction about project A so that With the credit line voucher of the enterprise 240 of the transaction amount equivalence of this deal engagement from area corresponding with n-th supplier Block chain account is transferred to block chain account corresponding with the N+1 supplier 270.
Second, by being synchronized to for information about in all nodes of block link layer 230 for the M times transaction.N-th supplier And/or the M times transaction is transferred to middleware 220 by the N+1 supplier 270 by application layer 210 for information about, so that Middleware 220 to this M times merchandise be encrypted for information about after by 231, first supplier's nodes 232 of enterprise's node And any node in financial institution's node 233 be synchronized to block link layer 230 all nodes (for example, enterprise's node 231, Other nodes of first supplier's node 232, financial institution's node 233 and the block chain mandate access) on.
In the present embodiment, the M times transaction include at least for information about:Contract information associated with the M times transaction, Both parties' information, exchange hour, transaction amount and/or transaction content information, wherein the transaction content information includes at least: Logistics information, storage information.In the present embodiment, the data management of the M times transaction used for information about in block chain network Pattern (manage data) is synchronized to after being handled at all nodes of block link layer.
Again, financial institution 250, checked by block chain network with the relevant enterprises 240 of project A and/or supplier etc. For information about with the relevant transaction of project.It is specific as follows:
Stored in any node that enterprise 240 is checked by application layer 210 in block link layer with the relevant institutes of project A There is one or more of for information about transaction of transaction for information about.
Supplier (for example, first supplier 260, n-th supplier, the N+1 supplier 270 etc.) passes through application layer Stored in 210 any nodes checked in block link layer with the relevant All Activities of project A for information about in one Or multiple transaction are for information about.
When with the relevant enterprises 240 of project A and/or any supplier (for example, first supplier 260 and/or N+1 A supplier 270) when there is credit and debt problem because of some transaction in project A, enterprise 240 and/or supplier can consult And trace the transaction for information about and with the relevant All Activity of the transaction for information about, to effectively realize card It is put to the proof in necessary program of calling to account according to preserving, conducive to the credit system made in the good supply chain ecosphere.
It is created according to practical business it can be seen that content of this disclosure can be realized, the enterprise that enterprise is issued Credit line voucher be traded transfer according to contract and other suppliers of agreement, and the transaction be it is multidirectional, across Rank, determined according to practical business so that transaction becomes more flexible, reliable.
Method shown in the present embodiment further includes finally, any supplier and enterprise 240 or financial machine regular based on exchanging Structure 250 exchanges the credit line voucher of the enterprise 240 for the respective numbers being stored at any supplier's node of block link layer.Tool Body includes:
If credit line voucher arrival stipulated time account phase of the enterprise 240, one or more supplier (for example, First supplier 260, n-th supplier, the N+1 supplier 270 etc.) it can be according to the enterprise for the respective numbers that it is held The credit line voucher of industry 240 carries out honouring for legal tender with enterprise 240.If the credit line voucher of enterprise 240 is also not Reach stipulated time account phase, then one or more supplier (for example, first supplier 260, n-th supplier, N+1 Supplier 270 etc.) can according to the credit line voucher of the enterprise 240 for the respective numbers that it is held and financial institution 250 into Row legal tender is honoured, and is honoured at this time due to not yet due, then can be according to the redemption of conditional that the time limit arranges (for example, will be described Service charge, service charge etc. are exchanged or increased to setting ratio after giving a discount) it is honoured, these redemption of conditional can be in financial machine It is formulated in the contract of the credit line of the mandate of structure 250 enterprise 240.
Fig. 3 is the schematic diagram for splitting the device 300 of circulation for controlling supply chain credit according to content of this disclosure.From It can be seen from the figure that, the device 300 that circulation is split for controlling supply chain credit include:Credit line voucher memory module 310, Transaction transmission module 320 checks module 330 and credit line authorization module 340.Wherein, 340 quilt of credit line authorization module It is configured so that financial institution's node in block chain network according to the credit that the credit grade of enterprise is the business licenses enterprise Amount.Credit line voucher memory module 310 is configured as being somebody's turn to do at the first block chain account in the block chain network The credit line voucher of enterprise;Specifically, when the first block chain account is block chain account corresponding with the enterprise, first Block chain account obtains the credit of the enterprise of the corresponding amount of money of the credit line of enterprise for providing and endorsing with financial institution node Amount voucher;Or when the first block chain account is block chain account corresponding with any supplier of project is participated in, the One block chain account obtains the credit line voucher of the enterprise corresponding with the transaction amount for carrying out the project relationship trading.It hands over Easy transmission module 320, which is configured as another block chain account in the first block chain account and block chain network, to be existed and item When the relevant transaction of mesh, the part in the credit line voucher for the enterprise that the first block chain account is held it is sent to another A block chain account, and being synchronized in block chain network by any node in block chain network for information about by the transaction All nodes.Specifically, when the first block chain account is block chain account corresponding with enterprise and another block chain When account is block chain account corresponding with any supplier, the first block chain account is by enterprise corresponding with the transaction Part in credit line voucher is sent to another described block chain account;Or when the first block chain account is and any confession It is block chain account corresponding with another supplier to answer the corresponding block chain account of quotient and another block chain account When, the part in the credit line voucher of enterprise corresponding with the transaction is sent to another block by the first block chain account Chain account;Wherein, the part merchandised with this in credit line voucher of corresponding enterprise corresponds to the friendship of this transaction The easy amount of money.Check that module 330 is configured as checking the related letter of all transaction from any node of block chain network The transaction of at least one of breath is for information about.
According to content of this disclosure for controlling the method, apparatus and calculate accordingly that the fractionation of supply chain credit circulates Machine readable storage medium storing program for executing can utilize the decentralization attribute of block chain technology to realize each role in supply chain in block It is traded transfer in chain network, while each role can check can not distorting for every transaction about some project Transaction Details so that all roles in supply chain, which can exercise supervision to whole process, to be checked, to effectively prevent financial swindling Appearance.
It should be noted that although being referred to the several devices or sub-devices of equipment in the detailed description above, it is this Division is merely exemplary rather than enforceable.In fact, in accordance with an embodiment of the present disclosure, two or more above-described dresses The feature and function set can embody in one apparatus.Conversely, the feature and function of an above-described device can be with It is further divided into and is embodied by multiple devices.
The foregoing is merely embodiment of the disclosure alternative embodiments, are not limited to embodiment of the disclosure, for For those skilled in the art, embodiment of the disclosure can have various modifications and variations.It is all in embodiment of the disclosure Within spirit and principle, made by any modification, equivalence replacement, improvement etc., should be included in the protection of embodiment of the disclosure Within the scope of.
Although describing embodiment of the disclosure by reference to several specific embodiments, it should be appreciated that, the disclosure Embodiment is not limited to disclosed specific embodiment.Embodiment of the disclosure be intended to cover appended claims spirit and Included various modifications and equivalent arrangements in range.Scope of the following claims is to be accorded the broadest interpretation, thus comprising All such modifications and equivalent structure and function.

Claims (15)

1. a kind of method splitting circulation for controlling supply chain credit, the method includes:
Financial institution's node in block chain network is according to the credit line that the credit grade of enterprise is the business licenses enterprise;
The credit line voucher of the enterprise is obtained at the first block chain account in the block chain network;
In the first block chain account with another block chain account in the block chain network in the presence of relevant with project When transaction, the part in the credit line voucher for the enterprise that the first block chain account is held it is sent to described Another block chain account, and the transaction is synchronized to institute by any node in the block chain network for information about State all nodes in block chain network.
2. according to the method described in claim 1, wherein, enterprise is obtained at the first block chain account in block chain network Credit line voucher includes:
When the first block chain account is block chain account corresponding with the enterprise, the first block chain account obtains Provided with financial institution's node endorsement the corresponding amount of money of the credit line of enterprise the enterprise credit line with Card;Or
It is described when the first block chain account is block chain account corresponding with any supplier of project is participated in First block chain account obtains the credit line of the enterprise corresponding with the transaction amount of project relationship trading is carried out Voucher.
3. according to the method described in claim 1, wherein, the credit line that the first block chain account is held it Part in voucher is sent to another described block chain account:
When the first block chain account is block chain account corresponding with the enterprise and another described block chain account When family is block chain account corresponding with any supplier, the first block chain account will institute corresponding with the transaction It states the part in the credit line voucher of enterprise and is sent to another described block chain account;Or
When the first block chain account is block chain account corresponding with any supplier and another described block chain When account is block chain account corresponding with another supplier, the first block chain account will be corresponding with the transaction The enterprise credit line voucher in part be sent to another described block chain account.
4. according to the method described in claim 3, wherein, in the credit line voucher of the enterprise corresponding with the transaction Part correspond to the transaction transaction amount.
5. according to the method described in claim 1, wherein, the transaction includes at least for information about:It is related to the transaction Contract information, both parties' information, exchange hour, transaction amount and/or the transaction content information of connection, wherein in the transaction Hold information to include at least:Logistics information, storage information.
6. according to the method described in claim 1, wherein, by the transaction for information about by the block chain network All nodes that any node is synchronized in the block chain network include:
The area will be synchronized to by any node in the block chain network after being encrypted for information about of the transaction All nodes in block chain network.
7. according to the method described in claim 1, wherein, the method further includes:
At least one of for information about institute of all transaction is checked from any node in the block chain network State transaction for information about.
8. according to the method described in claim 1, wherein, the method further includes:
Based on rule is exchanged, the one or more block chains being stored in the block chain network are exchanged with enterprise or financial institution The credit line voucher of the enterprise at account.
9. according to the method described in claim 1, wherein, the block chain network using alliance's chain form and using KYB and KYC technologies carry out real-name authentication.
10. a kind of device splitting circulation for controlling supply chain credit, described device include:
Credit line authorization module, the credit line authorization module are configured such that the financial institution in block chain network saves Point is according to the credit line that the credit grade of enterprise is the business licenses enterprise;
Credit line voucher memory module, the credit line voucher memory module are configured as in the block chain network The credit line voucher of the enterprise is obtained at first block chain account;
Transaction transmission module, the transaction transmission module are configured as in the first block chain account and the block chain network On another block chain account when there is transaction relevant with project, described in the first block chain account is held it Part in the credit line voucher of enterprise is sent to another described block chain account, and leading to for information about by the transaction Any node crossed in the block chain network is synchronized to all nodes in the block chain network.
11. device according to claim 10, wherein the credit line voucher memory module is configured to:
When the first block chain account is block chain account corresponding with the enterprise, the first block chain account obtains Provided with financial institution's node endorsement the corresponding amount of money of the credit line of enterprise the enterprise credit line with Card;Or
It is described when the first block chain account is block chain account corresponding with any supplier of project is participated in First block chain account obtains the credit line of the enterprise corresponding with the transaction amount of project relationship trading is carried out Voucher.
12. device according to claim 10, wherein the line of credit that the first block chain account is held it Part in degree voucher is sent to another described block chain account:
When the first block chain account is block chain account corresponding with the enterprise and another described block chain account When family is block chain account corresponding with any supplier, the first block chain account will institute corresponding with the transaction It states the part in the credit line voucher of enterprise and is sent to another described block chain account;Or
When the first block chain account is block chain account corresponding with any supplier and another described block chain When account is block chain account corresponding with another supplier, the first block chain account will be corresponding with the transaction The enterprise credit line voucher in part be sent to another described block chain account.
13. a kind of computer readable storage medium, the storage medium includes instruction, when executed so that institute The processor for stating computer is at least used for:
Financial institution's node in block chain network is according to the credit line that the credit grade of enterprise is the business licenses enterprise;
The credit line voucher of the enterprise is obtained at the first block chain account in the block chain network;
In the first block chain account with another block chain account in the block chain network in the presence of relevant with project When transaction, the part in the credit line voucher for the enterprise that the first block chain account is held it is sent to described Another block chain account, and the transaction is synchronized to institute by any node in the block chain network for information about State all nodes in block chain network.
14. computer readable storage medium according to claim 13, wherein the first block chain in block chain network The credit line voucher of acquisition enterprise includes in account:
When the first block chain account is block chain account corresponding with the enterprise, the first block chain account obtains Provided with financial institution's node endorsement the corresponding amount of money of the credit line of enterprise the enterprise credit line with Card;Or
It is described when the first block chain account is block chain account corresponding with any supplier of project is participated in First block chain account obtains the credit line of the enterprise corresponding with the transaction amount of project relationship trading is carried out Voucher.
15. computer readable storage medium according to claim 13, wherein the first block chain account is held it Part in the credit line voucher having is sent to another described block chain account:
When the first block chain account is block chain account corresponding with the enterprise and another described block chain account When family is block chain account corresponding with any supplier, the first block chain account will institute corresponding with the transaction It states the part in the credit line voucher of enterprise and is sent to another described block chain account;Or
When the first block chain account is block chain account corresponding with any supplier and another described block chain When account is block chain account corresponding with another supplier, the first block chain account will be corresponding with the transaction The enterprise credit line voucher in part be sent to another described block chain account.
CN201810435938.4A 2018-05-09 2018-05-09 The method, apparatus and readable storage medium storing program for executing of circulation are split for controlling credit Pending CN108629684A (en)

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CN109685648A (en) * 2018-12-28 2019-04-26 中国工商银行股份有限公司 Processing method, processing system and the supply chain financial platform of digital certificate
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CN110033377A (en) * 2019-01-03 2019-07-19 阿里巴巴集团控股有限公司 Assets classifying method and device, electronic equipment based on block chain
CN110020936A (en) * 2019-01-03 2019-07-16 阿里巴巴集团控股有限公司 Assets management method and device, electronic equipment based on block chain
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CN110009489A (en) * 2019-01-03 2019-07-12 阿里巴巴集团控股有限公司 Based on the assets transfer method and device of block chain, electronic equipment
CN111612453A (en) * 2019-02-22 2020-09-01 北京趣块远扬科技有限公司 Decentralized transaction method and device based on block chain and electronic equipment
CN111667364A (en) * 2019-03-07 2020-09-15 安徽海汇金融投资集团有限公司 Receivable account and debt right transfer system and method based on regional chain
CN110458700A (en) * 2019-06-19 2019-11-15 远光软件股份有限公司 The logical card generation method of one kind, supply chain financial system and electronic equipment
CN110675146A (en) * 2019-08-30 2020-01-10 深圳壹账通智能科技有限公司 Method and medium for processing electronic certificate transaction record and computer equipment
CN110737721B (en) * 2019-09-25 2023-03-28 中信梧桐港供应链管理有限公司 Receivable account transfer financing method and device based on block chain architecture
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WO2021063079A1 (en) * 2019-09-30 2021-04-08 肖光昱 Electronic platform supply chain financial circulation method and system, terminal device and medium
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