CN110009501A - Financing method, system, calculating equipment and storage medium based on block chain - Google Patents
Financing method, system, calculating equipment and storage medium based on block chain Download PDFInfo
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- CN110009501A CN110009501A CN201811350635.9A CN201811350635A CN110009501A CN 110009501 A CN110009501 A CN 110009501A CN 201811350635 A CN201811350635 A CN 201811350635A CN 110009501 A CN110009501 A CN 110009501A
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Abstract
This specification provides a kind of financing method based on block chain, system, calculates equipment and storage medium, wherein the financing method based on block chain includes: the financing request for receiving financier, and block chain is written, the financing amount of money, Financing Date are carried in the financing request and refunds the time；In the case where the financier reaches financial requirement, request of financing described in broadcast acknowledgements in the block chain, and register financing contract in the block chain, the financing amount of money, Financing Date are carried in the financing contract and refund the time；The first transaction record that confirmation fund provider transfers accounts for the financing contract, the block chain is written into first transaction record, account book is updated, and registers refund contract in the block chain, the financing amount of money, Financing Date are carried in the refund contract and is refunded the time.
Description
Technical field
This specification is related to computer internet technical field, in particular to a kind of financing method based on block chain is
System calculates equipment and storage medium.
Background technique
In the prior art, fund redeem turn apply to purchase application program scene in, due to Fund Company settlement time compared with
Evening causes user to redeem the settlement time that money is later than application program to the account time, will use the income that family is lost one day in this way, can
To solve the problems, such as this by financing, according to the form financed in the daytime, the income for reducing this day is avoided, is counting user
After redeeming the money amount of money, apply financing to fund raising institution, after financing to account, is first about to financing money and makes user, redeem money to fund
It is paid off to after account, then by financing money.However, financing refund scene risk is larger, if there is a side presses without agreement as agreed
When it is enough beat money, will result in the loss of another party's fund.
Summary of the invention
In view of this, this specification embodiment provide a kind of financing method based on block chain, system, calculate equipment and
Storage medium, to solve technological deficiency existing in the prior art.
According to this specification embodiment in a first aspect, providing a kind of financing method based on block chain, comprising:
The financing request of financier is received, and block chain is written, when carrying the financing amount of money, financing in the financing request
Between and refund the time；
In the case where the financier reaches financial requirement, request of financing described in broadcast acknowledgements in the block chain, and
Financing contract is registered in the block chain, and the financing amount of money, Financing Date are carried in the financing contract and is refunded the time；
The first transaction record that confirmation fund provider transfers accounts for the financing contract remembers first transaction
The block chain is written in record, updates account book, and refund contract is registered in the block chain, carries and melts in the refund contract
Capital amount, Financing Date and refund time.
According to the second aspect of this specification embodiment, a kind of financial system based on block chain is provided, comprising:
Module, administration module and the fund of financing provide module；
The financing module: it is configured as the broadcast financing request in block chain, and sends the financing and requests to described
Administration module is reaching financial requirement according to carrying the financing amount of money, Financing Date in financing request and refunding the time
In the case of, it receives the fund and the financing amount of money that module provides is provided；
The administration module: it is configured as receiving the financing request of the financing module, and block chain is written, according to described
The financing amount of money, Financing Date are carried in financing request and are refunded the time, in the case where the financier reaches financial requirement,
It finances and requests described in broadcast acknowledgements in the block chain, and the registration financing contract in the block chain, closed according to the financing
The financing amount of money, Financing Date are carried in about and are refunded the time；
The fund provides module: being configured as confirming the financing request, and according to the financing contract, melts described
The financing amount of money that money module needs is transferred accounts；
The administration module: it is additionally configured to confirmation fund and the first friendship that module transfers accounts to the financing contract is provided
First transaction record is written the block chain, updates account book by easily record, and is registered to refund in the block chain and be closed
About, the financing amount of money, Financing Date are carried in the refund contract and are refunded the time.
According to the third aspect of this specification embodiment, a kind of calculating equipment is provided, including memory, processor and deposit
The computer instruction that can be run on a memory and on a processor is stored up, the processor realizes the base when executing described instruction
In the financing method of block chain the step of.
According to the fourth aspect of this specification embodiment, a kind of computer readable storage medium is provided, is stored with meter
The step of calculation machine instructs, and the financing method based on block chain is realized when which is executed by processor.
In this specification embodiment, the financing by receiving financier is requested, and block chain is written, in the financing request
It carries the financing amount of money, Financing Date and refunds time, in the case where the financier reaches financial requirement, the block chain
It finances and requests described in middle broadcast acknowledgements, and the registration financing contract in the block chain, carry financing in the financing contract
The amount of money, Financing Date and refund time, the first transaction record that confirmation fund provider transfers accounts for the financing contract,
The block chain is written into first transaction record, updates account book, and registers refund contract in the block chain, it is described to go back
The financing amount of money, Financing Date are carried in money contract and are refunded the time.
Detailed description of the invention
Fig. 1 is the structure chart for the calculating equipment that this specification embodiment provides；
Fig. 2 is the flow chart for the financing method based on block chain that this specification embodiment provides；
Fig. 3 is the structural schematic diagram for the block chain that this specification embodiment provides；
Fig. 4 is the flow chart for the financing method based on block chain that this specification embodiment provides；
Fig. 5 is the flow chart for the financing method based on block chain that this specification embodiment provides；
Fig. 6 (a) is the schematic diagram for the financing method based on block chain that this specification embodiment provides；
Fig. 6 (b) is the schematic diagram for the financing method based on block chain that this specification embodiment provides；
Fig. 7 is the structural schematic diagram for the financial system based on block chain that this specification embodiment provides.
Specific embodiment
Many details are explained in the following description in order to fully understand the application.But the application can be with
Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where
Under be the similar therefore the application that promotes and do not limited by following public specific implementation.
The term used in this specification one or more embodiment be only merely for for the purpose of describing particular embodiments,
It is not intended to be limiting this specification one or more embodiment.In this specification one or more embodiment and appended claims
The "an" of singular used in book, " described " and "the" are also intended to including most forms, unless context is clearly
Indicate other meanings.It is also understood that term "and/or" used in this specification one or more embodiment refers to and includes
One or more associated any or all of project listed may combine.
It will be appreciated that though may be retouched using term first, second etc. in this specification one or more embodiment
Various information are stated, but these information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other
It opens.For example, first can also be referred to as second, class in the case where not departing from this specification one or more scope of embodiments
As, second can also be referred to as first.Depending on context, word as used in this " if " can be construed to
" ... when " or " when ... " or " in response to determination ".
Firstly, the vocabulary of terms being related to one or more embodiments of the invention explains.
Block chain: block catenary system is made of data Layer, network layer, common recognition layer, excitation layer, contract layer and application layer.Its
In, data Layer encapsulates bottom data block and the basic datas such as relevant data encryption and timestamp and rudimentary algorithm；Net
Network layers then include distributed networking mechanism, data dissemination mechanism and data authentication mechanism etc.；Common recognition layer predominant package network node
All kinds of common recognition algorithms；Economic factor is integrated into block chain technical system by excitation layer, and main includes the hair of economic incentives
Row mechanism and distribution mechanism etc.；All kinds of scripts of contract layer predominant package, algorithm and intelligent contract, are block chain programmable features
Basis；Application layer then encapsulates the various application scenarios and case of block chain.Chain type block structure, distribution based on timestamp
The intelligent contract of the common recognition mechanism of node, the economic incentives based on common recognition calculation power and flexible programmable is block chain technology most generation
The innovative point of table.
Intelligent contract: financing contract and refund contract belong to intelligent contract, be it is a kind of refer to propagated in a manner of information-based,
Verifying or the computer protocol for executing contract.Intelligent contract permission carries out credible transaction in no third-party situation, these
It trades traceable and irreversible.
In this application, it provides a kind of financing method based on block chain, system, calculate equipment and storage medium,
It is described in detail one by one in the following examples.
Fig. 1 shows the structural block diagram of the calculating equipment 100 according to one embodiment of this specification.The calculating equipment 100
Component includes but is not limited to memory 110 and processor 120.Processor 120 is connected with memory 110 by bus 130, number
According to library 150 for saving data.
Calculating equipment 100 further includes access device 140, access device 140 enable calculate equipment 100 via one or
Multiple networks 160 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network
(WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 140 may include wired or wireless
One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area
Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect
Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..
In one embodiment of this specification, unshowned other component in above-mentioned and Fig. 1 of equipment 100 is calculated
It can be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in FIG. 1 is merely for the sake of example
Purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increase or replace other portions
Part.
Calculating equipment 100 can be any kind of static or mobile computing device, including mobile computer or mobile meter
Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement
Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting
Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 100 can also be mobile or state type
Server.
Wherein, processor 120 can execute the step in the financing method based on block chain shown in Fig. 2.
Fig. 2 shows the flow charts according to the financing method based on block chain of this specification one embodiment, including step
202 to step 206.
Step 202: receiving the financing request of financier, and block chain is written, carry financing gold in the financing request
Volume, Financing Date and refund time.
In one embodiment of this specification, the financier is the party in request of fund, and the financing request is that financier needs
The financing amount of money, Financing Date and refund the time.Financing request is written into block chain, makes all nodes in block chain can be with
Receive the financing request of financier.
Step 204: in the case where the financier reaches financial requirement, financing described in broadcast acknowledgements in the block chain
Request, and financing contract is registered in the block chain, the financing amount of money, Financing Date and refund are carried in the financing contract
Time.
It carries in the financing contract and is taken in the financing request of the financing amount of money, Financing Date and the time i.e. financier that refunds
With the financing amount of money, Financing Date and refund the time.
In one embodiment of this specification, the financial requirement includes:
The amount of money, Financing Date and refund time finance whether in preset prescribed limit.
In practical applications, monitoring party passes through the financing amount of money for judging financier, Financing Date and whether the time of refunding reaches
Into preset prescribed limit, determine whether financier can finance.
In the case that financing request reaches financial requirement, the monitoring party is true by broadcasting in the block chain
Recognize the financing request, and the registration financing contract in the block chain, the broadcast is that financing request is sent to area
In each node in block chain；In the case that financing request is not up to financial requirement, the monitoring party is by the financing
The financing of side requests to reject, and forbids financing.
In one embodiment of this specification, monitoring party can be at least one prison that relevant financial regulator, government set up
Pipe node, at least one described supervisory node have the function of book keeping operation, and financing contract is also deployed at least one described supervisory node
Place.
Step 206: confirmation fund provider is for first transaction record transferred accounts of financing contract, by described the
The block chain is written in one transaction record, updates account book, and refund contract is registered in the block chain, in the refund contract
It carries the financing amount of money, Financing Date and refunds the time.
In one embodiment of this specification, further includes:
The refund contract is requested and is executed in the refund for receiving the fund provider broadcast, is broadcasted in the block chain
Confirm the refund request；
Confirm the second transaction record that the credit extending policy transfers accounts to the refund contract, and described second is traded
The block chain is written in record, updates the account book, and refund contract is nullified in the block chain.
In practical applications, the financing contract and the refund contract can be intelligent contract, this specification to this not
Do any restriction.
In practical applications, the confirmation financing that fund provider is broadcasted in block chain by monitoring party is requested and the area
Financing contract in block chain, transfers accounts to the financier, and is the first transaction record, institute by the financing amount record transferred accounts
State monitoring party and confirm first transaction record, be written in the block chain, update account book, the account book be the financier with
The transaction account book of the fund provider, and register refund contract.
The fund provider is according to the refund time in refund contract, and broadcast, which is refunded, in the block chain requests, institute
The refund request that monitoring party receives fund provider is stated, broadcast acknowledgements refund request is carried out according to the refund contract；It is described to melt
Capital requests according to the refund of monitoring party broadcast acknowledgements, refunds, the financing amount of money is transferred accounts to the fund provider,
And it is recorded as the second transaction record, the monitoring party confirms the second transaction record, is written in block chain, and update account book, by institute
Refund contract is stated to be unregistered；When the financier does not refund according to refund contract, the monitoring party can force to want
Ask refund.
In one embodiment of this specification, by setting up monitoring party, the safety in finance process, the monitoring party are improved
Possess the account book in finance process, convenient for supervising the financier and the fund provider；And by the friendship in finance process
Easily record, financing contract and refund contract are written in block chain, and each node in the block chain can receive
Transaction record, financing contract and refund contract improve the publicity of finance process in conjunction with the common recognition mechanism of block chain, reduce
Risk factor in financing refund scene, even if in the financier and a fund provider side therein not according to conjunction
It about trades, monitoring party can carry out this forcing financing or refund, the monetary losses during reducing financing and refunding.
The block chain structure schematic diagram using A, B, C as block chain node is shown referring to Fig. 3, Fig. 3.
Wherein, the A can be financier, and the B can be monitoring party, and C can be fund provider.When fund provides
When square C is also required to be financed, then C can be financier；When financier A has the extra amount of money, then A can be fund offer
Side；B is two supervisory nodes that relevant financial regulator, government sets up.
For example, B is monitoring party, and C is fund financier, by block chain, carrying out open sexual intercourse when A is financier
Easily, intelligence of contracting between financier A and fund provider C contract, monitoring party B exercise supervision to finance process and refund process.
Referring to fig. 4, Fig. 4 is with the structural schematic diagram of block chain shown in above-mentioned Fig. 3 to the financing method based on block chain
It is described in detail, wherein A is financier, and B is monitoring party, and C is fund financier, and the method includes the steps 402 to step
414。
Step 402: financier A broadcasts financing request in block chain.
In one embodiment of this specification, the financing amount of money, Financing Date are carried in the financing request and is refunded the time.
For example, certain financier A needs the 20000000 financing amount of money, Financing Date is June 1, and the refund time is June 30
Number, it the use of the financing amount of money time is 29 days；By broadcasting financing request in the block chain, notify to obtain respectively in the block chain
A node.
Step 404: monitoring party B receives financing request, and judges whether financier A reaches financial requirement.
In one embodiment of this specification, the monitoring party B can be two that relevant financial regulator, government set up
Supervisory node；The financial requirement includes financing the amount of money, Financing Date and refund time in default range.
Referring to two prisons that shown in Fig. 6 (a), can be set up with the monitoring party B for relevant financial regulator, government
For pipe node includes supervisory node B1 and supervisory node B2, to judge the financier A whether reach financing request carry out it is detailed
It describes in detail bright.
Supervisory node B1 and supervisory node B2 receives the financing request 402 that financier A is sent, supervisory node B1 and B2 difference
The financing request 402 in block chain is written according to financier A, judges whether the financier A reaches financial requirement.
In the case where financier A not up to finances request, step 406 is executed；
In the case where financier A reaches financing request, step 408 is executed.
Step 406: rejecting the financing request of financier A, financier A is forbidden to finance.
In one embodiment of this specification, still by taking Fig. 6 (a) as an example, when the financier A is not up to financial requirement, then supervise
Pipe node B1 and supervisory node B2 rejects the financing request of financier A, and financier A is forbidden to finance.
Step 408: the financing request of supervisory node B1 broadcast acknowledgements, and register financing contract.
It is described when the financier A reaches financial requirement still for stating Fig. 6 (a) in one embodiment of this specification
Supervisory node B1 finances described in broadcast acknowledgements in the block chain and requests, the financier A, fund provider C and supervision section
Point B2 receives confirmation financing request, and registers financing contract, and the financing contract carries the financing amount of money, Financing Date and goes back
The money time.
Step 410: fund provider C confirmation financing request, and according to financing contract, the financing that financier A is needed is golden
Volume is transferred accounts.
In one embodiment of this specification, still for stating Fig. 6 (a), supervisory node B1 receives the financier A, fund mentions
The confirmation 410 of supplier C and supervisory node B2, the supervisory node B1 execute financing contract, and the fund provider C melts to described
The financing amount of money that capital A needs is transferred accounts.
By taking above-mentioned Fig. 6 (a) as an example, it is described to financing contract is executed, fund provider C passes through confirmation financier A's
It finances the amount of money 20,000,000, refunds on June time 30 on Financing Date June 1, and according to financing contract, confirm the financier A
Legal sexual transaction, the financing amount of money 2000 that the fund provider C needs financier A are belonged to the fund provider C
Ten thousand transfer accounts to the account of financier A.
Step 412: supervisory node B1 confirms that the first transaction record that the financing amount of money is transferred accounts, supervisory node B2 update account
Book, and refund contract is registered in block chain.
By taking above-mentioned Fig. 6 (a) as an example, supervisory node B1 is handed over according to fund provider C financier A transfers accounts first
Easily record, is written in the block chain, and supervisory node B2 updates account book, and the supervisory node B2 is registered also in the block chain
Money contract, the account book are the account book of the Transaction Information of record fund provider C and financier A, and the refund contract carries
There are the financing amount of money, Financing Date and refunds the time.
Step 414: financier A refunds to fund provider C according to the refund contract, and monitoring party B, which is nullified, to refund
Contract.
In one embodiment of this specification, by setting up monitoring party, the safety in finance process, the monitoring party are improved
Possess whole account books in finance process, convenient for supervision financier and fund provider；And the transaction in finance process is remembered
Record, financing contract and refund contract are written in block chain, and each node in the block chain can receive transaction
Record, financing contract and refund contract improve the publicity of finance process, reduce and melt in conjunction with the common recognition mechanism of block chain
Provide the risk factor in refund scene.
Referring to Fig. 5, in this specification one or more embodiment, financier A provides fund according to the refund contract
Square C refunds, and it includes step 502 to step 508 that monitoring party B, which nullifies refund contract,.
Step 502: fund provider C broadcasts refund request according to refund contract in block chain.
Referring to shown in Fig. 6 (b), the financier A is requested according to the refund time in refund contract with fund provider C
For refund, fund provider C refund is described in detail in the financier A.
Fund provider C broadcasts refund request 502 in the block chain, and refund request 502 is sent to supervision
Node B1 and supervisory node B2.
Step 504: supervisory node B1 executes refund contract according to the refund request received, and broadcasts really in block chain
Recognize refund request.
Still by taking Fig. 6 (b) as an example, the execution refund contract is described, supervisory node B1 receives the fund and mentions
The refund of supplier C is requested, and confirms that the refund is requested according to refund contract, and refund by broadcast acknowledgements and request 504 to be sent to
Financier A, fund provider C and supervisory node B2 request the supervisory node B1 to execute the refund contract, lead to according to refunding
Know that the financier A refunds.
Step 506: financier A refunds to fund provider C according to refund contract.
Still by taking Fig. 6 (b) as an example, fund provider C refund is described in financier A, financier A and fund provider
The transaction of C belongs to licit traffic, and the financier A is according to June 30 refund time of refund contract, before June 30
The financing amount of money is transferred accounts into the account of the fund provider C, confirmation financier A is carried out for the refund contract
It transfers accounts and notifies each node in block chain in second transaction record write-in block chain for the second transaction record
The financier A has refunded.
Step 508: the second transaction record of supervisory node B1 confirmation repayment amount, supervisory node B2 update account book, and
Refund contract is nullified in block chain.
Still by taking Fig. 6 (b) as an example, it is described to updating account book and registering refund and about 508, supervisory node B1 confirmation is refunded
Second transaction record of the amount of money, supervisory node B2 are updated account book according to the second transaction record, confirm the financier A
It refunds to the fund provider C, supervisory node B2 nullifies the refund contract in block chain.
In one embodiment of this specification, each node in block chain can receive transaction record and refund contract,
In conjunction with the common recognition mechanism of block chain, the publicity of refund process is improved, reduces the risk factor in refund scene, even if
The financier does not trade with a fund provider side therein according to contract, and monitoring party can force this
It refunds, reduces the monetary losses during refunding.
Corresponding with above method embodiment, this specification additionally provides the financial system embodiment based on block chain, Fig. 7
Show the structural schematic diagram of the financial system based on block chain of this specification one embodiment.As shown in fig. 7, comprises:
Module 702, administration module 704 and the fund of financing provide module 706；
The financing module 702: being configured as the broadcast financing request in block chain, and sends the financing request to institute
Administration module is stated, according to carrying the financing amount of money, Financing Date in financing request and refunding the time, is reaching financial requirement
In the case where, it receives the fund and the financing amount of money that module provides is provided.
The administration module 704: being configured as receiving the financing request of the financing module, and block chain be written, according to
The financing amount of money, Financing Date are carried in the financing request and is refunded the time, reach the feelings of financial requirement in the financier
Under condition, request of financing described in broadcast acknowledgements in the block chain, and the registration financing contract in the block chain, melted according to described
The financing amount of money, Financing Date are carried in money contract and are refunded the time.
The fund provides module 706: being configured as confirming the financing request, and according to the financing contract, by institute
The financing amount of money that financing module needs is stated to transfer accounts.
The administration module 704: it is additionally configured to confirmation fund and provides module transfers accounts to the financing contract the
First transaction record is written the block chain, updates account book, and registered and refund in the block chain by one transaction record
Contract carries the financing amount of money, Financing Date in the refund contract and refunds the time.
In an optional embodiment, financing module 702, administration module 704 and fund, which provide, passes through net between module 706
Network 710 is attached.
In an optional embodiment, the fund provides module 706 and is also configured to
The fund provides module and broadcasts refund request in the block chain, according to the refund contract, melts described in reception
Provide the financing amount of money that module is refunded.
In an optional embodiment, the financing module 702 is also configured to
It is requested according to the refund, provides module to the fund and refund.
In an optional embodiment, the administration module 704 is also configured to
The refund contract is requested and is executed in the refund for receiving the fund offer module broadcast, wide in the block chain
The confirmation refund request is broadcast, confirms that the financing module is directed to the second transaction record that the refund contract is transferred accounts, and
The block chain is written into second transaction record, updates the account book, and nullifies refund contract in the block chain.
In an optional embodiment, the financial requirement includes:
The amount of money, Financing Date and refund time finance whether in preset prescribed limit.
In an optional embodiment, the broadcast financing request in block chain, and the financing request is sent to the prison
Tube module, according to carrying the financing amount of money, Financing Date in financing request and refunding the time, in the feelings for reaching financial requirement
Under condition, receives the fund and the financing amount of money that module provides is provided；The financing request of the financing module is received, and block is written
Chain reaches financing in the financier and wants according to carrying the financing amount of money, Financing Date in financing request and refunding the time
In the case where asking, request of financing described in broadcast acknowledgements in the block chain, and the registration financing contract in the block chain, according to
The financing amount of money, Financing Date are carried in the financing contract and are refunded the time；Confirm the financing request, and is melted according to described
Contract is provided, the financing amount of money that the financing module needs is transferred accounts；Confirmation fund provide module to the financing contract into
First transaction record is written the block chain, updates account book, and in the block chain by the first transaction record that row is transferred accounts
Middle registration refund contract carries the financing amount of money, Financing Date in the refund contract and refunds the time.
A kind of calculating equipment is also provided in one embodiment of this specification, including memory, processor and is stored in memory
Computer instruction that is upper and can running on a processor, based on block chain described in realization when the processor executes described instruction
Financing method the step of.
One embodiment of the application also provides a kind of computer readable storage medium, is stored with computer instruction, the instruction
The step of financing method as previously described based on block chain is realized when being executed by processor.
A kind of exemplary scheme of above-mentioned computer readable storage medium for the present embodiment.It should be noted that this is deposited
The technical solution of storage media and the technical solution of the above-mentioned financing method based on block chain belong to same design, storage medium
The detail content that technical solution is not described in detail may refer to retouching for the technical solution of the above-mentioned financing method based on block chain
It states.
The computer instruction includes computer program code, the computer program code can for source code form,
Object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: that can carry institute
State any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, the computer storage of computer program code
Device, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory),
Electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium include it is interior
Increase and decrease appropriate can be carried out according to the requirement made laws in jurisdiction with patent practice by holding, such as in certain jurisdictions of courts
Area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.
It should be noted that for the various method embodiments described above, describing for simplicity, therefore, it is stated as a series of
Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because
According to the application, certain steps can use other sequences or carry out simultaneously.Secondly, those skilled in the art should also know
It knows, the embodiments described in the specification are all preferred embodiments, and related actions and modules might not all be this Shen
It please be necessary.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment
Point, it may refer to the associated description of other embodiments.
The application preferred embodiment disclosed above is only intended to help to illustrate the application.There is no detailed for alternative embodiment
All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification,
It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to preferably explain the application
Principle and practical application, so that skilled artisan be enable to better understand and utilize the application.The application is only
It is limited by claims and its full scope and equivalent.
Claims (10)
1. a kind of financing method based on block chain characterized by comprising
The financing request for receiving financier, and is written block chain, carried in the financing request amount of money of financing, Financing Date and
It refunds the time；
In the case where the financier reaches financial requirement, request of financing described in broadcast acknowledgements in the block chain, and in institute
Registration financing contract in block chain is stated, the financing amount of money, Financing Date are carried in the financing contract and is refunded the time；
The first transaction record that confirmation fund provider transfers accounts for the financing contract, first transaction record is write
Enter the block chain, update account book, and register refund contract in the block chain, financing gold is carried in the refund contract
Volume, Financing Date and refund time.
2. the method according to claim 1, wherein further include:
The refund contract, the broadcast acknowledgements in the block chain are requested and are executed in the refund for receiving the fund provider broadcast
The refund request；
Confirm the second transaction record that the credit extending policy transfers accounts to the refund contract, and by second transaction record
The block chain is written, updates the account book, and nullifies refund contract in the block chain.
3. the method according to claim 1, wherein the financial requirement includes:
The amount of money, Financing Date and refund time finance whether in preset prescribed limit.
4. a kind of financial system based on block chain characterized by comprising
Module, administration module and the fund of financing provide module；
The financing module: being configured as the broadcast financing request in block chain, and sends the financing request to the supervision
Module, according to the financing request in carry financing the amount of money, Financing Date and refund the time, the case where reaching financial requirement
Under, it receives the fund and the financing amount of money that module provides is provided；
The administration module: it is configured as receiving the financing request of the financing module, and block chain is written, according to the financing
The financing amount of money, Financing Date are carried in request and are refunded the time, it is described in the case where the financier reaches financial requirement
It finances and requests described in broadcast acknowledgements in block chain, and the registration financing contract in the block chain, according in the financing contract
It carries the financing amount of money, Financing Date and refunds the time；
The fund provides module: being configured as confirming the financing request, and according to the financing contract, by the financing mould
The financing amount of money that block needs is transferred accounts；
The administration module: it is additionally configured to confirmation fund and the first transaction note that module transfers accounts to the financing contract is provided
First transaction record is written the block chain, updates account book, and registers refund contract, institute in the block chain by record
It states and carries the financing amount of money, Financing Date in refund contract and refund the time.
5. system according to claim 4, which is characterized in that the fund provides module and is also configured to
The fund provides module and broadcasts refund request in the block chain, according to the refund contract, receives the financing
The financing amount of money that module is refunded.
6. system according to claim 4, which is characterized in that the financing module is also configured to
It is requested according to the refund, provides module to the fund and refund.
7. system according to claim 4, which is characterized in that the administration module is also configured to
The refund contract is requested and is executed in the refund for receiving the fund offer module broadcast, is broadcasted in the block chain true
Recognize refund request, confirm that the financing module is directed to the second transaction record that the refund contract is transferred accounts, and by institute
It states the second transaction record and the block chain is written, update the account book, and nullify refund contract in the block chain.
8. system according to claim 4, which is characterized in that the financial requirement includes:
The amount of money, Financing Date and refund time finance whether in preset prescribed limit.
9. a kind of calculating equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine instruction, which is characterized in that the processor is realized when executing described instruction realizes that right the is wanted when instruction is executed by processor
The step of seeking 1-3 any one the method.
10. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor
The step of claim 1-3 any one the method is realized when row.
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