CN109785145B

CN109785145B - Fixed-point drugstore financing method based on block chain, storage medium and computer equipment

Info

Publication number: CN109785145B
Application number: CN201910066428.9A
Authority: CN
Inventors: 金以东; 李雪莉; 周大胜
Original assignee: Ebaonet Healthcare Information Technology Beijing Co ltd
Current assignee: Ebaonet Healthcare Information Technology Beijing Co ltd
Priority date: 2019-01-24
Filing date: 2019-01-24
Publication date: 2021-03-23
Anticipated expiration: 2039-01-24
Also published as: CN109785145A

Abstract

The invention provides a fixed-point drugstore financing method based on a block chain, a storage medium and computer equipment, wherein the method comprises the following steps: building a financial financing service chain; uploading a financing application data packet to the financial financing service chain by the fixed-point pharmacy node; the financial institution node generates an account receivable inquiry application data packet based on the financing application data packet on the financial financing service chain; the medical insurance institution node generates an account receivable information data packet based on the account receivable inquiry application data packet on the financial financing service chain; the financial institution node generates a financing amount data packet based on the receivable account information data packet on the financial financing service chain; the fixed-point pharmacy node generates a financing amount confirmation data packet based on the financing amount data packet on the financial financing service chain; the financial institution node issues a loan to the point-of-sale pharmacy node based on the financing amount confirmation data packet on the financial financing service chain. The problems that the service process of the existing financing system is prolonged and opaque, and the safety and the processing efficiency are low are solved.

Description

Fixed-point drugstore financing method based on block chain, storage medium and computer equipment

Technical Field

The invention relates to the technical field of blockchain, in particular to a fixed point pharmacy financing method based on blockchain technology, and specifically relates to a fixed point pharmacy financing method based on blockchain, a storage medium and a computer device.

Background

With the rapid development of the medical insurance industry in China, in order to reduce the medical and economic pressure of the nation, the nation brings a large amount of medical commodities such as medicines and medical instruments into the medical insurance reimbursement range, so that most of drug stores actively develop themselves into medical insurance reimbursement fixed-point drug stores for expanding business in the operation process, and the aims of driving the sales of the drug stores and increasing the sales of the medical commodities are achieved.

However, in the aspect of cost settlement, due to the constraint of characteristics such as complex operation and complex audit, the medical insurance fund (medical insurance institution) cannot settle in real time, and only can settle accounts for a fixed-point pharmacy periodically afterwards, so that the problems that the fund of the fixed-point pharmacy returns slowly and the mobile fund occupies for a long time are caused, and the fixed-point pharmacy brings operating fund pressure. In the operation process of the drug store, financing can be carried out only by means of commercial loan and the like in order to obtain mobile funds.

The existing credit service with small credit has a high threshold, and because the lending parties do not have a trust base, corresponding collateral or third party guarantee is usually required. The financing period is also fixed, generally, the loan is monthly, and the settlement cannot be carried out in advance. With the development of informatization, each financing unit (financial institution) builds an internal financing system to provide credit service for borrowers. The financing systems are credit service platforms of a financial service institution and a borrowing institution and are responsible for unified management of main businesses such as financing, limit evaluation, repayment and the like of clients of the financial service institution.

However, the existing financing system has at least the following disadvantages: a. at present, a financing system is built by financial institutions (such as commercial banks and the like), business data are all mastered in each financing institution, and open, transparent and irrecoverable information deposit evidence cannot be formed in each transaction in the financing business process; b. all the business data are stored in one financial institution, and the risk that the business data can be tampered unilaterally exists; c. information among a plurality of financing systems cannot be shared and utilized, and risks are brought to financial business; d. corresponding collateral or third party guarantee is needed, and the financing enterprise can not safely and reasonably utilize the business data of the third party as the financing reference under a unified platform with participation of multiple parties; e. the information calculation of the services such as loan application, amount calculation, repayment and the like can be manually intervened in the technical aspect, so that the financial risk is improved; f. the certainty and the safety of data transmission and data application under the condition that multiple parties participate cannot be guaranteed; g. in the whole service circulation, manual operation is excessively relied on, the work flow is prolonged, and the processing efficiency is reduced.

Therefore, there is a need for a multi-party fixed-point pharmacy financing method, which solves the above problems of fixed-point pharmacies using the existing financing system.

Disclosure of Invention

In view of the above, the technical problem to be solved by the present invention is to provide a block chain-based fixed-point drugstore financing method, a storage medium and a computer device, which solve the problems of low financing security and low financing efficiency of a fixed-point drugstore by using the existing financing system.

In order to solve the above technical problem, an embodiment of the present invention provides a block chain-based fixed-point pharmacy financing method, including: building a financial financing service chain; uploading a financing application data packet to the financial financing service chain by the fixed-point pharmacy node; the financial institution node generates an account receivable inquiry application data packet based on the financing application data packet on the financial financing service chain, and uploads the account receivable inquiry application data packet to the financial financing service chain; the medical insurance institution node generates an account receivable information data packet based on the account receivable inquiry application data packet on the financial financing service chain, and uploads the account receivable information data packet to the financial financing service chain; the financial institution node generates a financing amount data packet based on the account receivable information data packet on the financial financing service chain, and uploads the financing amount data packet to the financial financing service chain; the fixed point pharmacy node generates a financing amount confirmation data packet based on the financing amount data packet on the financial financing service chain, and uploads the financing amount confirmation data packet to the financial financing service chain; and the financial institution node issues loan to the fixed-point drugstore node based on the financing amount confirmation data packet on the financial financing service chain.

Embodiments of the present invention also provide a storage medium having stored thereon a computer program that, when executed by a processor, performs the steps of a blockchain-based fixed point pharmacy financing method.

Embodiments of the present invention also provide a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the blockchain-based fixed point pharmacy financing method when executing the computer program.

According to the above embodiments of the present invention, the block chain based fixed point pharmacy financing method, the storage medium and the computer device have at least the following advantages: 1) the financial financing service chain is established, the fixed-point drugstore, the medical insurance institution and the financial institution perform business information interaction based on the financial financing service chain, the fixed-point drugstore, the medical insurance institution and the financial institution participate in financing, the financial financing service chain stores the evidence of each step of business, and business process information is unreliable, untrustable, traceable, safe and reliable among multiple parties. 2) Financing organization (fixed-point drugstore) can complete financing by using self service data without mortgage, and is convenient and fast. 3) The block chain technology ensures the safety of multi-party data use in the service development process and ensures the safety and reliability of data flow in the multi-party participation service process. 4) The problems that in the existing financing system, the standards of service links such as loan amount calculation, loan issuance and repayment are not unified and the rules are not transparent are solved, the problems that the service flow of the existing financing system is prolonged, and the processing efficiency is low due to more manual intervention links are also solved, and the user experience is good.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate exemplary embodiments of the invention and together with the description, serve to explain the principles of the invention.

Fig. 1 is a flowchart of a block chain-based fixed-point pharmacy financing method according to a first embodiment of the present invention.

FIG. 2 is a schematic structural diagram of a financial financing service chain according to an embodiment of the present invention.

Fig. 3 is a flowchart of a second embodiment of a block chain-based fixed-point drugstore financing method according to the embodiment of the present invention.

Fig. 4 is a flowchart of a third embodiment of a block chain-based fixed-point pharmacy financing method according to the present invention.

Detailed Description

For the purpose of promoting a clear understanding of the objects, aspects and advantages of the embodiments of the invention, reference will now be made to the drawings and detailed description, wherein there are shown in the drawings and described in detail, various modifications of the embodiments described herein, and other embodiments of the invention will be apparent to those skilled in the art.

The exemplary embodiments of the present invention and the description thereof are provided to explain the present invention and not to limit the present invention. Additionally, the same or similar numbered elements/components used in the drawings and the embodiments are used to represent the same or similar parts.

As used herein, the terms "first," "second," …, etc., do not denote any order or sequence, nor are they used to limit the present invention, but rather are used to distinguish one element from another or from another element or operation described in the same technical language.

With respect to directional terminology used herein, for example: up, down, left, right, front or rear, etc., are simply directions with reference to the drawings. Accordingly, the directional terminology used is intended to be illustrative and is not intended to be limiting of the present teachings.

As used herein, the terms "comprising," "including," "having," "containing," and the like are open-ended terms that mean including, but not limited to.

As used herein, "and/or" includes any and all combinations of the described items.

References to "plurality" herein include "two" and "more than two"; reference to "multiple sets" herein includes "two sets" and "more than two sets".

As used herein, the terms "substantially", "about" and the like are used to modify any slight variation in quantity or error that does not alter the nature of the variation. Generally, the range of slight variations or errors modified by such terms may be 20% in some embodiments, 10% in some embodiments, 5% in some embodiments, or other values. It should be understood by those skilled in the art that the aforementioned values can be adjusted according to actual needs, and are not limited thereto.

Fig. 1 is a flowchart of a first embodiment of a fixed-point pharmacy financing method based on a block chain according to an embodiment of the present invention, and fig. 2 is a schematic structural diagram of a financial financing service chain according to an embodiment of the present invention, as shown in fig. 1 and fig. 2, a block chain, for example, a financial financing service chain, is first built, and the block chain is composed of a plurality of fixed-point pharmacy nodes, a plurality of financial institution nodes, and a plurality of medical insurance institution nodes; the fixed-point drugstore node starts a financing application, the financial institution node inquires accounts receivable of the fixed-point drugstore node through the medical insurance institution node based on the financing application of the fixed-point drugstore node, and the financing amount of the fixed-point drugstore node is determined according to the accounts receivable; the fixed-point pharmacy node confirms the loan amount according to the financing amount; the financial institution node sends a loan to the point-giving pharmacy node according to the loan amount.

In the embodiment shown in the figure, the block chain-based fixed-point drugstore financing method comprises the following steps:

step 101: and establishing a financial financing service chain. In an embodiment of the present invention, step 101 may include the following steps: a plurality of the fixed-point pharmacy nodes, a plurality of the financial institution nodes and a plurality of the medical insurance institution nodes constitute the financial financing service chain; assigning a unique number, a unique public key and a unique private key to each of the fixed point pharmacy nodes, each of the financial institution nodes and each of the medical insurance institution nodes on the financial financing service chain; public keys are exchanged among each fixed point pharmacy node, each financial institution node and each medical insurance institution node on the financial financing service chain; the fixed-point drugstore node, the financial institution node and the medical insurance institution node on the financial financing service chain establish a consensus mechanism and an intelligent contract, the consensus mechanism and the intelligent contract are usually stored on a consensus server node, and the consensus server node is an electronic device which is owned by the fixed-point drugstore, the financial institution and the medical insurance institution and is used for storing the consensus mechanism and the intelligent contract. In the preferred embodiment of the present invention, the fixed-point drugstore (fixed-point medical institution) mainly refers to the fixed-point medical insurance reimbursement institution, and the financial institution (financing institution) mainly refers to the commercial bank of the petty credit service; the fixed-point pharmacy node, the financial institution node and the medical insurance institution node can be servers, mobile terminals, intelligent terminals and the like; generally, a pharmacy financing application (DAPP) is installed on the fixed-point pharmacy node, an application (DAPP2) for auditing, calculating and paying of a financial institution is installed on a financial institution node (i.e. a financing institution node), and an application (DAPP3) for providing data support for a medical insurance institution is installed on a medical insurance institution node. The unique number of the fixed-point drugstore node is a fixed-point drugstore node number, the unique number of the financial institution node is a financial institution node number, and the unique number of the medical insurance institution node is a medical insurance institution node number. The consensus mechanism uses the PBFT (byzantine fault tolerant) consensus algorithm. The intelligent contract comprises: the system comprises a fixed-point pharmacy node qualification and receivable account inquiring application intelligent contract, a medical insurance institution node to fixed-point pharmacy node qualification and receivable account calculating intelligent contract, a financial institution node to fixed-point pharmacy node financing amount calculating intelligent contract, a financial institution paying intelligent contract, a fixed-point pharmacy node automatic repayment intelligent contract and the like.

Step 102: and uploading a financing application data packet to the financial financing service chain by the fixed-point pharmacy node. In the embodiment of the present invention, step 102 specifically includes the following steps: inputting information required for financing on the fixed-point drugstore node and signing an authorization file; generating financing request data according to the information required for financing and the authorization file; calculating a first HASH value of the authorization file by using an SHA256 algorithm; generating a financing application sheet number according to the fixed-point pharmacy node number, the financial institution node number and the financing application time; calculating a second HASH value of the financing application bill number by using an SHA256 algorithm; encrypting the financing request data by using a private key of the fixed-point pharmacy node to obtain financing request tagging data; encrypting the financing request signed data by using the financial institution node public key to obtain financing request signed encrypted data; calculating a third HASH value of the financing request tagged encrypted data using the SHA256 algorithm; storing the financing request tagged encrypted data to a storage device of the fixed point pharmacy node indexed by the third HASH value; generating the financing application data packet according to the first HASH value, the second HASH value, the third HASH value, the financing application order number and a first service type; and uploading the financing application data packet to the financial financing service chain. In a preferred embodiment of the present invention, the first service type is defined as a "fixed point pharmacy financing application". The information required for financing mainly comprises: the system comprises a fixed-point pharmacy node number (system initial distribution), a financial institution node number (system initial distribution), a fixed-point pharmacy business license electronic file, a bank account (an account of the fixed-point pharmacy reserved in the medical insurance institution), a fixed-point pharmacy name, a fixed-point pharmacy node number, a fixed-point pharmacy corporate name, a corporate certificate type, a corporate certificate number and a financial institution name. The authorization file mainly refers to a financing application electronic file (the content of the financing application electronic file comprises a transaction agreement between a fixed-point drugstore node and a financial institution node, authorization that the fixed-point drugstore node allows the financial institution node to inquire receivable data of the financial institution node, and authorization that the fixed-point drugstore node retains a bank account in the medical insurance institution node to inquire and transfer). HASH (HASH) is to transform data of any length into data of fixed length and output the data through HASH algorithm (HASH algorithm), and the output value is HASH value. In the invention, the SHA256 algorithm is applied to calculate the Hash value. The encryption algorithm specifically uses the RSA algorithm, which is an asymmetric encryption algorithm, can be used for encryption and digital signature at the same time, and is one of a relatively secure and general public and private key scheme. The invention designs two encryption modes of data signing and data encryption by utilizing the technical characteristics that RSA can carry out public key encryption and private key decryption and can also carry out private key encryption and public key decryption. The data signing means that the data is encrypted by a private key of the data signing means that the data is transmitted by the data signing means. The data encryption is carried out by using the public key of the other party, so that the data can be decrypted only by a legal party.

Furthermore, the first HASH value, the second HASH value, the third HASH value, the financing application sheet number and the first service type are segmented in the financing application data packet by using a "##" symbol, so that the field identification is convenient.

Step 103: and the financial institution node generates an account receivable inquiry application data packet based on the financing application data packet on the financial financing service chain, and uploads the account receivable inquiry application data packet to the financial financing service chain. In the embodiment of the present invention, step 103 specifically includes: the financial institution node screens the financing application data packet on the financial financing service chain based on the second HASH value, the financing application order number and the first service type in the financing application data packet, if the financing application data packet is processed by the financial institution node, the financing application data packet is not processed, preferably, the financial institution node judges whether the financing application data packet is processed through the second HASH value; calling the financing request tagging encrypted data from the storage device of the fixed point pharmacy node according to the third HASH value in the screened financing application data packet; decrypting the called financing request tagging encrypted data by using a private key of the financial institution node to obtain financing request tagging data; decrypting the financing request tagging data by using the public key of the fixed point pharmacy node to obtain financing request data; storing the financing request data in a storage device of the financial institution node; calculating an authorization file in the financing request data by using an SHA256 algorithm to obtain a fourth HASH value; verifying whether the authorization file is tampered according to the first HASH value and the fourth HASH value; determining qualification information of the fixed-point pharmacy node according to information required for financing in the financing request data under the condition that the authorization file is not tampered; encrypting the financing request data and the qualification information by using a private key of the financial institution node to obtain receivable account inquiry and signature data; encrypting the receivable account inquiry and signature adding data by using the public key of the medical insurance agency node to obtain receivable account inquiry and signature adding encrypted data; calculating a fifth HASH value of the receivables query signed encrypted data using the SHA256 algorithm; storing the accounts receivable query signed encrypted data into a storage device of the financial institution node with the fifth HASH value as an index; generating the receivable account inquiry application data packet according to the fifth HASH value, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number and a second business type; and uploading the account receivable inquiry application data packet to the financial financing service chain. In a preferred embodiment of the present invention, the second business type is defined as "fixed point pharmacy qualification and receivables query".

Furthermore, the fifth HASH value, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number and the second service type in the receipt inquiry application data packet are segmented by using the # corresponding to the collection account, so that the field identification is facilitated.

Step 104: and the medical insurance institution node generates an account receivable information data packet based on the account receivable inquiry application data packet on the financial financing service chain, and uploads the account receivable information data packet to the financial financing service chain. In an embodiment of the present invention, step 104 may specifically include the following steps: the medical insurance institution node screens the receivable inquiry application data packet on the financial financing service chain based on the second HASH value, the medical insurance institution node number and the second business type in the financing application data packet, if the receivable inquiry application data packet is processed by the medical insurance institution node, the receivable inquiry application data packet is not processed, preferably, the medical insurance institution node generally judges whether the receivable inquiry application data packet is processed based on the second HASH value; calling the account receivable inquiry signed encrypted data from the storage equipment of the financial institution node according to the fifth HASH value in the screened account receivable inquiry application data packet; decrypting the called account receivable inquiry and signature adding encrypted data by using a private key of the medical insurance agency node to obtain the account receivable inquiry and signature adding data; decrypting the receivable account inquiry and signature data by using the public key of the financial institution node to obtain the financing request data and the qualification information; calculating an authorization file in the financing request data by using an SHA256 algorithm to obtain a sixth HASH value; acquiring the first HASH value from the financial financing service chain according to the second HASH value, the fixed point pharmacy node number and the first business type; verifying whether the authorization file is tampered according to the first HASH value and the sixth HASH value; determining qualification information of the fixed-point pharmacy node according to information required for financing in the financing request data under the condition that the authorization file is not tampered; inquiring receivable information and predicted payment time corresponding to the receivable information in a medical insurance database of the medical insurance institution node by using the fixed point pharmacy node number; encrypting the receivable account information and the predicted payment time by using a private key of the medical insurance agency node to obtain receivable account signing data; encrypting the receivable account signing data by using the public key of the financial institution node to obtain receivable account signing encrypted data; generating the account receivable information data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, a medical insurance institution node number, the estimated payment time, the account receivable signing encrypted data and a third business type; and uploading the account receivable information data packet to the financial financing service chain. In a preferred embodiment of the present invention, the third transaction type is "qualification and receivables inquiry success". Examples of the receivable information and the details of the expected payment time for settlement are shown in table 1 below:

TABLE 1

Settling time	Total cost	Personal self-payment	Social security payment	Pharmacy number
					2018/11/1 15:09	366.87	46.76	320.11	D0001
2018/11/5 13:54	155.47	0	155.47	D0001
					……	……	……	……	……
2018/12/3 11:20	415.55	0	415.55	D0001
					2019/12/4 11:20	472.14	0	472.14	D0001
In total:			255532.2
					and (4) account-receivable account period:	2018/11/1-2019/12/4	predicted payment time:	2019/3/1

furthermore, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the predicted payment time, the receivable account signing encrypted data and the third service type in the corresponding receivable account information data packet are divided by using the # so as to facilitate field identification.

Step 105: and the financial institution node generates a financing amount data packet based on the account receivable information data packet on the financial financing service chain and uploads the financing amount data packet to the financial financing service chain. In the embodiment of the present invention, step 105 specifically includes the following steps: the financial institution node screens the receivable information data packet on the financial financing service chain based on the second HASH value, the financial institution node number and the third business type in the receivable information data packet, if the financial institution node has processed the receivable information data packet, the financial institution node does not process the receivable information data packet, preferably, the financial institution node judges whether the receivable information data packet has been processed or not through the second HASH value; decrypting the receivable account signing encrypted data in the receivable account information data packet by using a private key of the financial institution node to obtain the receivable account signing data; decrypting the receivable account signing data by using the public key of the medical insurance agency node to obtain the receivable account information and the predicted payment time; calculating financing amount according to the receivable information, the estimated payment time and the financing rate; encrypting the financing amount by using a private key of the financial institution node to obtain financing amount tagging data; encrypting the financing amount signing data by using the public key of the fixed point pharmacy node to obtain financing amount encrypted signing data; generating the financing amount data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the estimated payment time, the financing amount encryption tagging data and a fourth service type; and uploading the financing amount data packet to the financial financing service chain. In a preferred embodiment of the present invention, the fourth service type is "successful calculation of financing amount".

Further, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the predicted payment time, the financing amount encryption tagging data and the fourth service type in the financing amount data packet are divided by using the "##", so that field identification is facilitated.

The specific calculation formula of the financing amount a is F × R, where F is receivable information (the amount of receivable), R is a financing rate, and the financing rate is set by the financial institution node, and is usually set at 50% to 90% to avoid financial risks.

Step 106: and the fixed point pharmacy node generates a financing amount confirmation data packet based on the financing amount data packet on the financial financing service chain, and uploads the financing amount confirmation data packet to the financial financing service chain. In an embodiment of the present invention, step 106 specifically includes the following steps: the fixed point pharmacy node screens the financing amount data packet on the financial financing service chain based on the second HASH value, the fixed point pharmacy node number and the fourth service type in the financing amount data packet, if the financing amount data packet is processed by the fixed point pharmacy node, the financing amount data packet is not processed, preferably, the fixed point pharmacy node judges whether the financing amount data packet is processed or not through the second HASH value; decrypting the financing amount encrypted tagging data in the financing amount data packet by using a private key of the fixed-point pharmacy node to obtain the financing amount tagging data; decrypting the financing amount tagging data by using the public key of the financial institution node to obtain the financing amount; determining financing amount confirmation data according to the financing amount; encrypting the financing amount confirmation data by using a private key of the fixed-point pharmacy node to obtain financing amount confirmation tagging data; encrypting the financing limit confirmation signing data by using the public key of the financial institution node to obtain financing limit confirmation encrypted signing data; generating the financing amount data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the estimated payment time, the financing amount confirmation encryption tagging data and a fifth service type; and uploading the financing amount data packet to the financial financing service chain. In a preferred embodiment of the present invention, the fifth service type is "actual financing amount application". Generally, the amount of money in the financing amount confirmation data is less than or equal to the amount of money in the financing amount.

Further, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the predicted payment time, the financing amount confirmation encryption tagging data and the fifth service type in the financing amount data packet are divided by using the "##", so that field identification is facilitated.

Step 107: and the financial institution node issues loan to the fixed-point drugstore node based on the financing amount confirmation data packet on the financial financing service chain. In the embodiment of the present invention, step 107 specifically includes the following steps: the financial institution node screens the financing amount confirmation data packet on the financial financing service chain based on the second HASH value, the financial institution node number and the fifth service type in the financing amount confirmation data packet, if the financing amount confirmation data packet is processed by the financial institution node, the financing amount confirmation data packet is not processed, and preferably, the financial institution node determines whether the financing amount confirmation data packet is processed or not through the second HASH value; decrypting the financing amount confirmation encrypted tagging data in the financing amount confirmation data packet by using a private key of the financial institution node to obtain the financing amount confirmation tagging data; decrypting the financing amount confirmation tagging data by using the public key of the fixed point pharmacy node to obtain the financing amount confirmation data; searching an actual financing amount paying data packet on the financial financing service chain according to the fixed point pharmacy node number and the sixth service type; searching the account receivable information data packet on the financial financing service chain according to the second HASH value and the third business type; decrypting the receivable account signing encrypted data in the receivable account information data packet by using a private key of the financial institution node to obtain the receivable account signing data; decrypting the receivable account signing data by using the public key of the medical insurance agency node to obtain the receivable account information and the corresponding predicted payment time; determining whether the receivable information data packet is mortgaged at other financial institution nodes according to the estimated payment time in the actual financing amount deposit data packet and the estimated payment time in the receivable information data packet; when the receivable information data packet is not mortgage by other financial institution nodes, determining whether financing risk exists according to the receivable information and the financing amount confirmation data; confirming whether financing is issued according to the estimated payment time and the current natural time in the actual financing amount paying data packet; if the financing is confirmed not to be issued, the actual financing amount issuing data is stored in the storage equipment of the financial institution node, and the actual financing amount issuing data is encrypted by using a private key of the financial institution node to obtain the actual financing amount issuing tagging data; encrypting the actual financing amount issuing and signing data by using the public key of the fixed point pharmacy node to obtain the actual financing amount issuing encrypted and signing data; the financial institution node issues loan to an appointed bank account of the fixed point drug store node according to the actual data issued by the financing amount to obtain a successful account transfer document file; calculating a seventh HASH value of the transfer success document file using the SHA256 algorithm and storing the seventh HASH value to a storage device of the financial institution node; generating the financing amount actual issuing data packet according to the second HASH value, the fixed point drug store node number, the financial institution node number, the seventh HASH value, the financing amount actual issuing encrypted tagging data and a sixth service type; and uploading the actual financing amount issuing data packet to the financial financing service chain. In a preferred embodiment of the present invention, the sixth service type "actual financing amount issuance is successful".

Furthermore, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the seventh HASH value, the actual financing amount issuing encrypted tagging data and the sixth service type in the actual financing amount issuing data packet are divided by using the "##", so that field identification is facilitated.

Fig. 3 is a flowchart of a second embodiment of a block chain-based fixed-point drugstore financing method according to the present invention; fig. 4 is a flowchart of a third embodiment of a block chain-based fixed-point pharmacy financing method according to a specific embodiment of the present invention, and as shown in fig. 3 and 4, a fixed-point pharmacy node may make a payment automatically or manually.

As shown in fig. 3, when the fixed point pharmacy node automatically repays according to the intelligent contract, after step 107, the fixed point pharmacy financing method based on the blockchain further includes:

step 108: and the financial institution node automatically deducts repayment amount from the specified bank account of the fixed point pharmacy node based on the actual financing amount issuing data, generates an automatic repayment data packet according to the deducted amount, and uploads the automatic repayment data packet to the financial financing service chain. In an embodiment of the present invention, step 108 specifically includes the following steps: the financial institution node calculates the deduction amount according to the actual payment data of the financing amount, the successful transfer receipt file and the current natural time; deducting money from an appointed bank account of the fixed point pharmacy node according to the deduction amount to obtain a deduction success document file; calculating an eighth HASH value of the deduction success document file by using a SHA256 algorithm, and storing the eighth HASH value to a storage device of the financial institution node; encrypting the deducted money by using a private key of the financial institution node to obtain automatic repayment money signing data; encrypting the automatic repayment amount signing data by using the public key of the fixed point pharmacy node to obtain automatic repayment amount encrypted signing data; generating the automatic repayment data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the eighth HASH value, the automatic repayment amount encrypted signing data and a seventh service type; and uploading the automatic repayment data packet to the financial financing service chain. Preferably, the seventh service type is "automatic payment successful". The specific calculation formula of the deduction amount M is M ═ B + B × Rate × D, wherein B is the actual financing amount issuing data (i.e. the actual financing amount issuing value); rate is financing Rate; d is the number of financing days which can be calculated by the current natural time and the time of loan issuance on the document with transfer success.

Further, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the eighth HASH value, the automatic repayment amount encrypted signing data and the seventh service type in the automatic repayment data packet are divided by using the "##", so that field identification is facilitated.

As shown in fig. 4, when the fixed point pharmacy node performs manual repayment according to the intelligent contract, after step 107, the fixed point pharmacy financing method based on the blockchain further includes:

step 108': and the fixed-point pharmacy node transfers a repayment amount to a specified bank account of the financial institution node based on the data packet actually issued by the financing amount on the financial financing service chain, generates a manual repayment data packet according to the repayment amount, and uploads the manual repayment data packet to the financial financing service chain. In an embodiment of the present invention, step 108' specifically includes the following steps: the fixed point pharmacy node screens the financing amount actual issuing data packet on the financial financing service chain based on the second HASH value, the fixed point pharmacy node number and the sixth service type in the financing amount actual issuing data packet; decrypting the actual financing amount issuing encrypted tagging data in the actual financing amount issuing data packet by using a private key of the fixed point pharmacy node to obtain the actual financing amount issuing tagging data; decrypting the actual financing amount issuing and signing data by using the public key of the financial institution node to obtain the actual financing amount issuing data; calculating repayment amount according to the actual payment amount data, the successful transfer receipt file and the current natural time; repayment is carried out on the appointed bank account of the financial institution node according to the repayment amount, and a successful repayment receipt file is obtained; calculating a ninth HASH value of the repayment success document file using the SHA256 algorithm and storing the ninth HASH value to a storage device of the fixed point pharmacy node; encrypting the repayment amount by using a private key of the fixed-point pharmacy node to obtain manual repayment amount signing data; encrypting the manual repayment amount signing data by using the public key of the financial institution node to obtain manual repayment amount encrypted signing data; generating the manual repayment data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the ninth HASH value, the manual repayment amount encrypted signing data and an eighth service type; and uploading the manual repayment data packet to the financial financing service chain. Preferably, the eighth service type is "manual payment is successful". The specific calculation method of the repayment amount is the same as the specific calculation formula of the deduction amount M, and is not described herein again in view of the space.

Further, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the ninth HASH value, the manual repayment amount encrypted signing data and the eighth service type in the manual repayment data packet are divided by using the "##", so that field identification is facilitated.

The specific embodiment of the invention provides a storage medium, wherein a computer program is stored on the storage medium, and when being executed by a processor, the computer program realizes a fixed-point drugstore financing method based on a block chain, and the method comprises the following steps:

step 101: and establishing a financial financing service chain.

Step 102: and uploading a financing application data packet to the financial financing service chain by the fixed-point pharmacy node.

Step 103: and the financial institution node generates an account receivable inquiry application data packet based on the financing application data packet on the financial financing service chain, and uploads the account receivable inquiry application data packet to the financial financing service chain.

Step 104: and the medical insurance institution node generates an account receivable information data packet based on the account receivable inquiry application data packet on the financial financing service chain, and uploads the account receivable information data packet to the financial financing service chain.

Step 105: and the financial institution node generates a financing amount data packet based on the account receivable information data packet on the financial financing service chain and uploads the financing amount data packet to the financial financing service chain.

Step 106: and the fixed point pharmacy node generates a financing amount confirmation data packet based on the financing amount data packet on the financial financing service chain, and uploads the financing amount confirmation data packet to the financial financing service chain.

Step 107: and the financial institution node issues loan to the fixed-point drugstore node based on the financing amount confirmation data packet on the financial financing service chain.

The specific implementation mode of the present invention further provides a storage medium, wherein the storage medium stores a computer program, and the computer program is executed by a processor to implement a fixed-point drugstore financing method based on a block chain, and the method includes the following steps:

step 101: and establishing a financial financing service chain.

Step 108: and the financial institution node automatically deducts repayment amount from the specified bank account of the fixed point pharmacy node based on the actual financing amount issuing data, generates an automatic repayment data packet according to the deducted amount, and uploads the automatic repayment data packet to the financial financing service chain.

step 101: and establishing a financial financing service chain.

Step 108': and the fixed-point pharmacy node transfers a repayment amount to a specified bank account of the financial institution node based on the data packet actually issued by the financing amount on the financial financing service chain, generates a manual repayment data packet according to the repayment amount, and uploads the manual repayment data packet to the financial financing service chain.

Embodiments of the present invention also provide a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing a blockchain-based fixed-point pharmacy financing method when executing the computer program, the method including the steps of:

step 101: and establishing a financial financing service chain.

The embodiments of the invention described above may be implemented in various hardware, software code, or combinations of both. For example, an embodiment of the present invention may also be program code for executing the above method in a Digital Signal Processor (DSP). The invention may also relate to a variety of functions performed by a computer processor, digital signal processor, microprocessor, or Field Programmable Gate Array (FPGA). The processor described above may be configured according to the present invention to perform certain tasks by executing machine-readable software code or firmware code that defines certain methods disclosed herein. Software code or firmware code may be developed in different programming languages and in different formats or forms. Software code may also be compiled for different target platforms. However, the different code styles, types, and languages of software code and other types of configuration code that perform tasks in accordance with the present invention do not depart from the spirit and scope of the present invention.

The foregoing is merely an illustrative embodiment of the present invention, and any equivalent changes and modifications made by those skilled in the art without departing from the spirit and principle of the present invention should fall within the protection scope of the present invention.

Claims

1. A block chain-based fixed-point drugstore financing method is characterized by comprising the following steps:

building a financial financing service chain;

uploading a financing application data packet to the financial financing service chain by the fixed-point pharmacy node;

the financial institution node generates an account receivable inquiry application data packet based on the financing application data packet on the financial financing service chain, and uploads the account receivable inquiry application data packet to the financial financing service chain;

the medical insurance institution node generates an account receivable information data packet based on the account receivable inquiry application data packet on the financial financing service chain, and uploads the account receivable information data packet to the financial financing service chain;

the financial institution node generates a financing amount data packet based on the account receivable information data packet on the financial financing service chain, and uploads the financing amount data packet to the financial financing service chain;

the fixed point pharmacy node generates a financing amount confirmation data packet based on the financing amount data packet on the financial financing service chain, and uploads the financing amount confirmation data packet to the financial financing service chain; and

the financial institution node issues a loan to the fixed point pharmacy node based on the financing amount confirmation packet on the financial financing service chain,

the method comprises the steps of building a financial financing service chain, and specifically comprises the following steps:

a plurality of the fixed-point pharmacy nodes, a plurality of the financial institution nodes and a plurality of the medical insurance institution nodes constitute the financial financing service chain;

assigning a unique number, a unique public key and a unique private key to each of the fixed point pharmacy nodes, each of the financial institution nodes and each of the medical insurance institution nodes on the financial financing service chain;

public keys are exchanged among each fixed point pharmacy node, each financial institution node and each medical insurance institution node on the financial financing service chain; and

the fixed-point drugstore node, the financial institution node and the medical insurance institution node on the financial financing service chain establish a consensus mechanism and an intelligent contract,

the fixed point pharmacy node to the step of finance application data package is uploaded to financial financing service chain, specifically include:

inputting information required for financing on the fixed-point drugstore node and signing an authorization file;

generating financing request data according to the information required for financing and the authorization file;

calculating a first HASH value of the authorization file by using an SHA256 algorithm;

generating a financing application sheet number according to the fixed-point pharmacy node number, the financial institution node number and the financing application time;

calculating a second HASH value of the financing application bill number by using an SHA256 algorithm;

encrypting the financing request data by using a private key of the fixed-point pharmacy node to obtain financing request tagging data;

encrypting the financing request signed data by using the financial institution node public key to obtain financing request signed encrypted data;

calculating a third HASH value of the financing request tagged encrypted data using the SHA256 algorithm;

storing the financing request tagged encrypted data to a storage device of the fixed point pharmacy node indexed by the third HASH value;

generating the financing application data packet according to the first HASH value, the second HASH value, the third HASH value, the financing application order number and a first service type; and

uploading the financing application data packet to the financial financing service chain,

financial institution node is based on financial financing service chain financing application data package generates account receivable inquiry application data package, and with account receivable inquiry application data package upload to financial financing service chain on the step, specifically include:

the financial institution node screening the financing application data packet on the financial financing service chain based on the second HASH value, the financing application order number and the first business type in the financing application data packet;

calling the financing request tagging encrypted data from the storage device of the fixed point pharmacy node according to the third HASH value in the screened financing application data packet;

decrypting the called financing request tagging encrypted data by using a private key of the financial institution node to obtain financing request tagging data;

decrypting the financing request tagging data by using the public key of the fixed point pharmacy node to obtain financing request data;

storing the financing request data in a storage device of the financial institution node;

calculating an authorization file in the financing request data by using an SHA256 algorithm to obtain a fourth HASH value;

verifying whether the authorization file is tampered according to the first HASH value and the fourth HASH value;

determining qualification information of the fixed-point pharmacy node according to information required for financing in the financing request data under the condition that the authorization file is not tampered;

encrypting the financing request data and the qualification information by using a private key of the financial institution node to obtain receivable account inquiry and signature data;

encrypting the receivable account inquiry and signature adding data by using the public key of the medical insurance agency node to obtain receivable account inquiry and signature adding encrypted data;

calculating a fifth HASH value of the receivables query signed encrypted data using the SHA256 algorithm;

storing the accounts receivable query signed encrypted data into a storage device of the financial institution node with the fifth HASH value as an index;

generating the receivable account inquiry application data packet according to the fifth HASH value, the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number and a second business type; and

and uploading the account receivable inquiry application data packet to the financial financing service chain.

2. The fixed-point pharmacy financing method based on block chain as claimed in claim 1, wherein the step of the medical insurance institution node generating an accounts receivable information data packet based on the accounts receivable inquiry application data packet on the financial financing service chain and uploading the accounts receivable information data packet to the financial financing service chain specifically comprises:

the medical insurance institution node screens the receivable account inquiry application data packet on the financial financing service chain based on the second HASH value, the medical insurance institution node number and the second business type in the financing application data packet;

calling the account receivable inquiry signed encrypted data from the storage equipment of the financial institution node according to the fifth HASH value in the screened account receivable inquiry application data packet;

decrypting the called account receivable inquiry and signature adding encrypted data by using a private key of the medical insurance agency node to obtain the account receivable inquiry and signature adding data;

decrypting the receivable account inquiry and signature data by using the public key of the financial institution node to obtain the financing request data and the qualification information;

calculating an authorization file in the financing request data by using an SHA256 algorithm to obtain a sixth HASH value;

acquiring the first HASH value from the financial financing service chain according to the second HASH value, the fixed point pharmacy node number and the first business type;

verifying whether the authorization file is tampered according to the first HASH value and the sixth HASH value;

inquiring receivable information and predicted payment time corresponding to the receivable information in a medical insurance database of the medical insurance institution node by using the fixed point pharmacy node number;

encrypting the receivable account information and the predicted payment time by using a private key of the medical insurance agency node to obtain receivable account signing data;

encrypting the receivable account signing data by using the public key of the financial institution node to obtain receivable account signing encrypted data;

generating the account receivable information data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, a medical insurance institution node number, the estimated payment time, the account receivable signing encrypted data and a third business type; and

and uploading the account receivable information data packet to the financial financing service chain.

3. The fixed-point pharmacy financing method based on block chain as claimed in claim 2, wherein the financial institution node generates a financing amount data packet based on the accounts receivable information data packet on the financial financing service chain, and uploads the financing amount data packet to the financial financing service chain, specifically comprising:

the financial institution node screening the accounts receivable information data packets on the financial financing service chain based on the second HASH value, the financial institution node number and the third transaction type in the accounts receivable information data packets;

decrypting the receivable account signing encrypted data in the receivable account information data packet by using a private key of the financial institution node to obtain the receivable account signing data;

decrypting the receivable account signing data by using the public key of the medical insurance agency node to obtain the receivable account information and the predicted payment time;

calculating financing amount according to the receivable information, the estimated payment time and the financing rate;

encrypting the financing amount by using a private key of the financial institution node to obtain financing amount tagging data;

encrypting the financing amount signing data by using the public key of the fixed point pharmacy node to obtain financing amount encrypted signing data;

generating the financing amount data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the estimated payment time, the financing amount encryption tagging data and a fourth service type; and

and uploading the financing amount data packet to the financial financing service chain.

4. The block chain-based fixed-point pharmacy financing method as claimed in claim 3, wherein the fixed-point pharmacy node generates a financing amount confirmation data packet based on the financing amount data packet on the financial financing service chain, and uploads the financing amount confirmation data packet to the financial financing service chain, specifically comprising:

the fixed point pharmacy node screens the financing amount data packet on the financial financing service chain based on the second HASH value, the fixed point pharmacy node number and the fourth service type in the financing amount data packet;

decrypting the financing amount encrypted tagging data in the financing amount data packet by using a private key of the fixed-point pharmacy node to obtain the financing amount tagging data;

decrypting the financing amount tagging data by using the public key of the financial institution node to obtain the financing amount;

determining financing amount confirmation data according to the financing amount;

encrypting the financing amount confirmation data by using a private key of the fixed-point pharmacy node to obtain financing amount confirmation tagging data;

encrypting the financing limit confirmation signing data by using the public key of the financial institution node to obtain financing limit confirmation encrypted signing data;

generating the financing amount data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the medical insurance institution node number, the estimated payment time, the financing amount confirmation encryption tagging data and a fifth service type; and

5. The block chain-based fixed-point drugstore financing method as claimed in claim 4, wherein the step of the financial institution node issuing a loan to the fixed-point drugstore node based on the financing amount confirmation data packet on the financial financing service chain specifically comprises:

the financial institution node screening the financing amount confirmation data packet on the financial financing service chain based on the second HASH value, the financial institution node number and the fifth service type in the financing amount confirmation data packet;

decrypting the financing amount confirmation encrypted tagging data in the financing amount confirmation data packet by using a private key of the financial institution node to obtain the financing amount confirmation tagging data;

decrypting the financing amount confirmation tagging data by using the public key of the fixed point pharmacy node to obtain the financing amount confirmation data;

searching an actual financing amount paying data packet on the financial financing service chain according to the fixed point pharmacy node number and the sixth service type;

searching the account receivable information data packet on the financial financing service chain according to the second HASH value and the third business type;

decrypting the receivable account signing data by using the public key of the medical insurance agency node to obtain the receivable account information and the corresponding predicted payment time;

determining whether the receivable information data packet is mortgaged at other financial institution nodes according to the estimated payment time in the actual financing amount deposit data packet and the estimated payment time in the receivable information data packet;

when the receivable information data packet is not mortgage by other financial institution nodes, determining whether financing risk exists according to the receivable information and the financing amount confirmation data;

confirming whether financing is issued according to the estimated payment time and the current natural time in the actual financing amount paying data packet;

if the financing is confirmed not to be issued, the actual financing amount issuing data is stored in the storage equipment of the financial institution node, and the actual financing amount issuing data is encrypted by using a private key of the financial institution node to obtain the actual financing amount issuing tagging data;

encrypting the actual financing amount issuing and signing data by using the public key of the fixed point pharmacy node to obtain the actual financing amount issuing encrypted and signing data;

the financial institution node issues loan to an appointed bank account of the fixed point drug store node according to the actual data issued by the financing amount to obtain a successful account transfer document file;

calculating a seventh HASH value of the transfer success document file using the SHA256 algorithm and storing the seventh HASH value to a storage device of the financial institution node;

generating the financing amount actual issuing data packet according to the second HASH value, the fixed point drug store node number, the financial institution node number, the seventh HASH value, the financing amount actual issuing encrypted tagging data and a sixth service type; and

and uploading the actual financing amount issuing data packet to the financial financing service chain.

6. The block chain-based fixed point pharmacy financing method according to claim 5, wherein after the step of the financial institution node issuing a loan to the fixed point pharmacy node based on the financing amount confirmation data packet on the financial financing service chain, the method further comprises:

the financial institution node automatically deducts repayment amount from the appointed bank account of the fixed point pharmacy node based on the actual financing amount issuing data, generates an automatic repayment data packet according to the deducted amount, uploads the automatic repayment data packet to the financial financing service chain,

or the fixed-point pharmacy node transfers a repayment amount to an appointed bank account of the financial institution node based on the data packet actually issued by the financing amount on the financial financing service chain, generates a manual repayment data packet according to the repayment amount, and uploads the manual repayment data packet to the financial financing service chain.

7. The fixed-point drugstore financing method based on the block chain as claimed in claim 6, wherein the financial institution node automatically deducts repayment amount from the specified bank account of the fixed-point drugstore node based on the actual data issued by the financing amount, generates an automatic repayment data packet according to the deducted amount, and uploads the automatic repayment data packet to the financial financing service chain, which specifically comprises:

the financial institution node calculates the deduction amount according to the actual payment data of the financing amount, the successful transfer receipt file and the current natural time;

deducting money from an appointed bank account of the fixed point pharmacy node according to the deduction amount to obtain a deduction success document file;

calculating an eighth HASH value of the deduction success document file by using a SHA256 algorithm, and storing the eighth HASH value to a storage device of the financial institution node;

encrypting the deducted money by using a private key of the financial institution node to obtain automatic repayment money signing data;

encrypting the automatic repayment amount signing data by using the public key of the fixed point pharmacy node to obtain automatic repayment amount encrypted signing data;

generating the automatic repayment data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the eighth HASH value, the automatic repayment amount encrypted signing data and a seventh service type; and

uploading the automatic repayment data packet to the financial financing service chain,

the fixed point pharmacy node transfers a repayment amount to an appointed bank account of the financial institution node based on the data packet actually issued by the financing amount on the financial financing service chain, generates a manual repayment data packet according to the repayment amount, and uploads the manual repayment data packet to the financial financing service chain, and the method specifically comprises the following steps:

the fixed point pharmacy node screens the financing amount actual issuing data packet on the financial financing service chain based on the second HASH value, the fixed point pharmacy node number and the sixth service type in the financing amount actual issuing data packet;

decrypting the actual financing amount issuing encrypted tagging data in the actual financing amount issuing data packet by using a private key of the fixed point pharmacy node to obtain the actual financing amount issuing tagging data;

decrypting the actual financing amount issuing and signing data by using the public key of the financial institution node to obtain the actual financing amount issuing data;

calculating repayment amount according to the actual payment amount data, the successful transfer receipt file and the current natural time;

repayment is carried out on the appointed bank account of the financial institution node according to the repayment amount, and a successful repayment receipt file is obtained;

calculating a ninth HASH value of the repayment success document file using the SHA256 algorithm and storing the ninth HASH value to a storage device of the fixed point pharmacy node;

encrypting the repayment amount by using a private key of the fixed-point pharmacy node to obtain manual repayment amount signing data;

encrypting the manual repayment amount signing data by using the public key of the financial institution node to obtain manual repayment amount encrypted signing data;

generating the manual repayment data packet according to the second HASH value, the fixed point pharmacy node number, the financial institution node number, the ninth HASH value, the manual repayment amount encrypted signing data and an eighth service type; and

and uploading the manual repayment data packet to the financial financing service chain.

8. A storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1 to 7 when executing the computer program.