CN110175903A - A kind of quotient's ticket financing method and device - Google Patents
A kind of quotient's ticket financing method and device Download PDFInfo
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- CN110175903A CN110175903A CN201910295303.3A CN201910295303A CN110175903A CN 110175903 A CN110175903 A CN 110175903A CN 201910295303 A CN201910295303 A CN 201910295303A CN 110175903 A CN110175903 A CN 110175903A
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Abstract
The embodiment of the invention provides a kind of quotient's ticket financing method and devices, the described method includes: the credit information of supply contract and the supply chain core enterprise that factoring company signs according to the supply chain core enterprise being stored on block chain and supplier, factoring contract is signed with the supplier, by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring company；Financial institution is verified by the bill that the block chain provides the factoring company, is the application of making loans that the supplier does to audit the factoring company；The bill includes that the supply contract, the factoring contract and the accounts receivable are formed by bill；Financial institution after the approval makes loans to the supplier on the block chain described.Through the embodiment of the present invention, it can be improved the efficiency and reliability of quotient's ticket financing.
Description
Technical field
The invention belongs to financial transaction technical field, it is specifically related to a kind of quotient's ticket financing method, device, terminal device
And computer-readable medium.
Background technique
Currently, medium-sized and small enterprises occupy an important position in Chinese national economy.It is indispensable as large enterprise
Partner and assistant, the significant contribution person that medium-sized and small enterprises are just gradually developing as social productive forces.But since scope of the enterprise is smaller, supply
The medium-sized and small enterprises in chain are answered often to be in a disadvantageous position, fund acquisition modes are dominated by the supply chain core enterprise means of payment,
And then lead to the problem of there may be financing gaps in its production process.
Quotient's ticket financing is used as a kind of financing method, and the bill receivable that the medium-sized and small enterprises in supply chain can be made to be held carries out
It transfers the possession of, obtains denomination and deduct the fund after related discount charge, to carry out its production activity.In actual operation, by
In there are medium-sized and small enterprises scale is smaller, and bank trusts deficiency to it the problems such as, medium-sized and small enterprises is caused to be difficult to directly carry out to bank
Quotient's ticket financing, bridge of the factoring company as medium-sized and small enterprises and interbank, can assist medium-sized and small enterprises to complete financing operation at this time.
It is executed in terms of status from existing quotient's ticket finance process and factoring corporate business, quotient's ticket financing participation main body is more, different
Main body information interaction amount is big, cuts information dispersion and is stored in respective system, and information mutual communication is difficulty, resulting main
Problem concentrates on the following: it is more difficult to the authenticity verification of trade background locating for quotient's ticket, usually need bearer to provide trade
Contract, invoice etc. are related to be proved to be audited, this process takes a long time, and is not easy to examine out that both parties fabricate trade back jointly
Scape or same transaction are situations such as different institutions repeat application financing.Meanwhile papery quotient ticket is easier to make compared with electronics quotient's ticket
It is false or there are the risks of flaw.Furthermore business standing evaluation is more difficult, and factoring company can not join as the third-party institution to drawing a bill
With the true trade process of both parties, insufficient credit evaluation that easily leads to is grasped to the side's of drawing a bill historical transactional information and deviation occurs,
And then there is the nonrecoverable problem of debt.When dispute occurs in finance process, since information dispersion stores, puts to the proof and call to account
More energy will be expended.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of quotient's ticket financing method, device, terminal device and computer-readable Jie
Matter can be improved the efficiency and reliability of quotient's ticket financing.
The first aspect of the embodiment of the present invention provides a kind of quotient's ticket financing method, comprising:
Supply contract that factoring company signs according to the supply chain core enterprise being stored on block chain and supplier and
The credit information of the supply chain core enterprise signs factoring contract with the supplier, by the supplier to the supply
The accounts receivable transfer of chain core enterprise is to the factoring company；
Financial institution is verified by the bill that the block chain provides the factoring company, to audit the factoring
Company is the application of making loans that the supplier does；The bill includes the supply contract, the factoring contract and described receivable
Funds on account are formed by bill；
Financial institution after the approval makes loans to the supplier on the block chain described.
The second aspect of the embodiment of the present invention provides a kind of quotient's ticket financing device, comprising:
Business module, for making factoring company according to the supply chain core in the data management module being stored on block chain
The credit information of supply contract and the supply chain core enterprise that enterprise and supplier sign, signs with the supplier and protects
Reason contract；
Quotient's ticket management module, for being answered the supply chain core enterprise supplier according to the factoring contract
Receipt on account money transfer is to the factoring company；
Quotient's ticket management module is also used to provide the financial institution to the factoring company by the block chain
Bill verified, be the application of making loans done of the supplier to audit the factoring company；The bill includes the confession
Goods contract, the factoring contract and the accounts receivable are formed by bill；
Capital management module, for making the financial institution described after the approval on the block chain to the confession
Quotient is answered to make loans.
The third method of the embodiment of the present invention provides a kind of terminal device, including memory, processor and is stored in
In the memory and the computer program that can run on the processor, when the processor executes the computer program
The step of realizing above-mentioned quotient's ticket financing method.
The fourth aspect of the embodiment of the present invention provides a kind of computer-readable medium, the computer-readable medium storage
There is a computer program, the step of when computer program execution processed realizes above-mentioned quotient's ticket financing method.
In quotient's ticket financing method provided in an embodiment of the present invention, factoring company can be according to the supply chain being stored on block chain
The credit information of supply contract and the supply chain core enterprise that core enterprise and supplier sign, is signed with the supplier
Factoring contract is ordered, it is financial by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring company
Mechanism can be verified by the bill that the block chain provides the factoring company, be described to audit the factoring company
Application that supplier did make loans, financial institution can put the supplier on the block chain after the approval described
Money, so as to improve the efficiency and reliability of quotient's ticket financing.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of flow chart of quotient's ticket financing method provided in an embodiment of the present invention；
Fig. 2 is the flow chart of another quotient's ticket financing method provided in an embodiment of the present invention；
Fig. 3 be Fig. 2 provide quotient's ticket financing method in need to carry out Hash signature related procedure schematic diagram；
Fig. 4 is a kind of structural schematic diagram of quotient's ticket financing device provided in an embodiment of the present invention；
Fig. 5 is the schematic diagram of terminal device provided in an embodiment of the present invention.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Referring to Fig. 1, Fig. 1 is a kind of credit financing method provided in an embodiment of the present invention.As shown in Figure 1, the present embodiment
Credit financing method the following steps are included:
S101: the supply contract that factoring company signs according to the supply chain core enterprise being stored on block chain and supplier
And the credit information of the supply chain core enterprise, factoring contract is signed with the supplier, by the supplier to described
The accounts receivable transfer of supply chain core enterprise is to the factoring company.
In embodiments of the present invention, the factoring company can be according to the supply chain core enterprise being stored on block chain
Financial information and/or operation information carry out credit status evaluation.Specifically, factoring company can voluntarily select credit rating side
Method, such as factor analysis method, comprehensive analysis method, method of weighting scores, efficiency coefficient method, factoring company can be with complete in supply chain
Node identities carry out the inquiry of historical data, obtain core enterprise's financial information (such as asset-liability ratio, sale benefit by block chain
Profit rate, cash flow adequacy, liquidity of assets etc.) and/or enterprise operation information (such as occupation rate of market, patent are studied and are opened
Send out strength, multi-business diversification degree etc.) credit rating is carried out, and then supply is determine whether according to the evaluation result of credit status
Quotient carries out factoring.When the credit status of the supply chain core enterprise is up to standard, the factoring company can be according to supply chain core
The supply contract and the supplier that enterprise and supplier sign sign factoring contract, can be by the confession based on the factoring contract
Answer quotient to the accounts receivable transfer of the supply chain core enterprise to the factoring company.The supplier is as credit requirement side
The business factoring contract signed with factoring company, is stored in block chain with intelligent forms of contract, can pass through the industry in block chain
Management module of being engaged in completes generation, confirmation and the execution of intelligent contract.Intelligent contract with its data source on chain, contract holds automatically
The feature that row is on chain, contract output is on chain realizes the advantage of its low human intervention, decentralization, and data have true on chain
The characteristic being difficult to tamper with, contract are executed by more nodes simultaneously, as a result can be just recognized by common recognition, finally by contract implementing result
It is output on chain, data can trace to the source, while the intelligent contract to be associated provides the accuracy guarantee of input data.Further
Ground, before factoring company and the supplier sign factoring contract, supply chain core enterprise can be signed with supplier with intelligence
Forms of contract is stored in the supply contract on block chain, forms the supplier and answers receipt on account to the supply chain core enterprise
Money, while factoring company can also obtain the credit information of the provider core enterprise from the block chain, so as to be guarantor
Basis on reason company bill related to supplier signing factoring contract offer and information.
S102: financial institution is verified by the bill that the block chain provides the factoring company, to audit
Stating factoring company is the application of making loans that the supplier does.
In embodiments of the present invention, factoring company can send to supply chain core enterprise and supplier (credit requirement side)
Accounts receivable transfers the possession of acknowledgement notification, and waits the supply chain core enterprise and the supplier to the accounts receivable transfer
Notice carries out Signature Confirmation.Supply chain core enterprise and supplier carry out Hash (Hash) label to the accounts receivable notification of the assignment
Name, makes accounts receivable conveyancing come into force, and be recorded in the information that comes into force of accounts receivable conveyancing in the block chain, from
And accounts receivable of the supplier to the supply chain core enterprise can be transferred to the factoring company.Accounts receivable transfer
After behavior comes into force, full node of the financial institution (for example, bank) as the block chain possesses complete block chain account book,
Can be verified by the block chain bill that the factoring company provides (may include the supply contract, the factoring contract and
The accounts receivable is formed by bill etc.) authenticity, be the Shen of making loans done of the supplier to audit the factoring company
Please.In block chain, factoring company can be the supplier to financial machine by discounting, pledging financing, pledge the modes such as make out an invoice
Structure is financed.
S103: financial institution after the approval makes loans to the supplier on the block chain described.
Specifically, in block chain, fund can be supplemented with money itself account by financial institution can by capital management module
Fund is exchanged into equivalent Token (token), and pays Token to the supplier (credit requirement side), supplier can be
Selection is withdrawn deposit when obtaining the clearing token of fund supply side's offer, is settled accounts with deducting the financial institution by capital management module
Token, supplier's accounts receivable token, while token is gone into the provider accounts by the financial institution account.?
After making loans supplier, supplier can be according to the intelligent contract that the supply contract and the factoring contract are formed to the confession
Chain core enterprise is answered to supply, corresponding information of supplying is recorded in the block chain.Supply chain core enterprise is obtaining the supply of material
After the corresponding cargo of agreement, redrawing funds can be supplemented with money in block chain account, in capital management module, be exchanged by fund
Equivalent token is obtained, business bank can withdraw deposit in selection when obtaining the clearing token of core enterprise's refund, pass through capital management mould
Block deducts supply chain core enterprise and settles accounts token, while token is gone to business bank's account by supply chain core enterprise.Pass through
The factoring contract be formed by intelligent contract detect the supply chain core enterprise to bank carry out token refund clearing after,
Factoring company and interbank discount are carried out, financing is pledged, pledges the financing bill clearing made out an invoice etc., bill clearing terminates then automatically
It marks intelligent contract to complete, and is recorded on the region chain.
Below by taking Fig. 2 as an example, quotient's ticket financing method provided in an embodiment of the present invention based on block chain is done further
It introduces.
1. for step, in supply chain both parties (supply chain core enterprise and supplier) in block chain business module
Supply contract is uploaded, is stored in block chain with intelligent forms of contract, then contract comes into force by both sides' Signature Confirmation, described in formation
Accounts receivable of the supplier to the supply chain core enterprise.
2., factoring company carries out credit status evaluation to supply chain core enterprise by block chain to step.Factoring company can
Credit-rating methods, such as factor analysis method, comprehensive analysis method, method of weighting scores, efficiency coefficient method are voluntarily selected, factoring is public
Department can carry out the inquiry of historical data with node identities complete in supply chain, obtain core enterprise's financial information (such as by block chain
Asset-liability ratio, profit ratio of sales, cash flow adequacy, liquidity of assets etc.) and/or enterprise operation information (such as market
Occupation rate, patent, research and development strength, multi-business diversification degree etc.) carry out credit rating, and then commenting according to credit status
Determine whether result judgement is that supplier carries out factoring.
3., supplier signs business factoring contract as credit requirement side and factoring company to step, with intelligent forms of contract
It is stored in block chain, generation, confirmation and the execution of intelligent contract is completed by the service management module of block chain, can also be passed through
Quotient's ticket management module realizes quotient's ticket (for example, the supplier is to the receivable of the supply chain core enterprise with capital management module
Funds on account) transfer and fund clearing.
4., factoring company sends accounts receivable transfer to supply chain core enterprise and credit requirement side (supplier) to step
Acknowledgement notification waits both sides to carry out Hash Signature Confirmation to it.
5., supply chain core enterprise and credit requirement side transfer the possession of acknowledgement notification to accounts receivable and carry out Hash signature step,
Sign after accounts receivable conveyancing come into force, information is recorded in block chain, so as to by the supplier to the supply
The accounts receivable of chain core enterprise is transferred to the factoring company.
6., financial institution (business bank) is used as block chain Quan Jiedian to step, possesses complete block chain account book, passes through area
Block chain verifying bill of exchange is (for example, the supply of material is closed, the factoring contract and the supplier look forward to the supply chain core
The accounts receivable bill of industry) authenticity.
7., in block chain, factoring company is the supply by discounting, pledging financing, pledge the modes such as make out an invoice to step
Quotient finances to business bank.
8., in block chain, business bank supplements fund with money itself account to step, in capital management module, passes through money
Gold is exchanged to obtain equivalent token, and pays token to credit requirement side, and credit requirement side is obtaining the clearing of fund supply side
It selects to withdraw deposit when token, settles accounts token, credit requirement side's accounts receivable generation to deduct fund supply side by capital management module
Coin, while token is gone into party in request's account (supplier) by supplying party's account (business bank).
9., credit requirement side is formed by the requirement of intelligent contract according to the supply contract and the factoring contract to step
It supplies to supply chain core enterprise, corresponding information of supplying is recorded in block chain.
10., supply chain core enterprise supplements redrawing funds in block chain account with money to step, in capital management module, passes through
Fund, which is exchanged, obtains equivalent token, and business bank's selection when obtaining the clearing token of core enterprise's refund is withdrawn deposit, to pass through money
Golden management module deducts supply chain core enterprise and settles accounts token, while token is gone to business bank's account by supply chain core enterprise
Family.The factoring contract is formed by intelligent contract and is detecting the supply chain core enterprise to bank's progress token refund knot
After calculation, factoring company and interbank discount are carried out, financing is pledged, pledges the financing bill clearing made out an invoice etc., bill clearing terminates
It is then automatic that intelligent contract is marked to complete, and recorded on the chain of region.
It is emphasized that referring to Fig. 3, above-mentioned steps 1. in purchase contract (or become supply contract) and answer receipt on account
The formation (such as accounts receivable bill) of money needs to carry out Hash Signature Confirmation by supply chain core enterprise and supplier.Step
3. factoring contract in needs to carry out Hash signature by supplier and factoring company, can also be by supplier, factoring company and confession
Chain core enterprise is answered to carry out Hash signature.Step 5. in accounts receivable transfer need to be by supply chain core enterprise and credit requirement side
(supplier) carries out Hash signature.Step 7. in discount, pledge financing and pledge make out an invoice needs by the factoring company and institute
It states financial institution and carries out Hash signature.Step 8. in fund receipt and payment need to be carried out by the financial institution and the supplier
Hash signature.Step 9. in cargo deliver need to carry out Hash signature by the supplier and the supply chain core enterprise it is true
It is fixed.Step 10. in fund receipt and payment need to carry out Hash signature by the supply chain core enterprise and the financial institution.
In quotient's ticket financing method that Fig. 1 is provided, factoring company can look forward to according to the supply chain core being stored on block chain
The credit information of supply contract and the supply chain core enterprise that industry and supplier sign signs factoring with the supplier
Contract, by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring company, financial institution can
It is verified by the bill that the block chain provides the factoring company, to audit the factoring company as the supplier
The application of making loans done, financial institution can make loans to the supplier on the block chain after the approval described.This
Inventive embodiments can realize that each main information of quotient's ticket finance process interconnects, also using block chain safety, can not distort with
And intelligent contract such as executes at the performances automatically, promotes Financing efficiency and reliability.In addition, utilizing block when there is financing dispute
Chain is capable of providing the advantage of retrospective credible account book, can reduce the cost put to the proof and called to account.
Referring to Fig. 4, Fig. 4 is a kind of structural block diagram of quotient's ticket financing device provided in an embodiment of the present invention.Such as Fig. 4 institute
Show, quotient's ticket financing device 40 of the present embodiment includes data management module 401, business module 402, standing assessment module 403, quotient
Ticket management module 404 and capital management module 405:
Data management module 401 carries out data collection for data generated on the block chain, data store sum number
According to shared.Specifically, data management module 401 can be used for that factoring company is made to obtain the provider core from the block chain
The credit information of enterprise.Data management module 401 can also be used in the financing Shen in the financial institution according to the factoring company
It please makes loans to the supplier and supplier is formed by intelligent contract according to the supply contract and looks forward to the supply chain core
After the industry supply of material, corresponding supply of material information is recorded.
Business module 402 is uploaded for contract, contract confirms and termination of contract.Specifically, business module 402 can make to protect
Reason company according in the data management module 401 being stored on block chain supply chain core enterprise and supplier sign the supply of material
Contract and the credit information of the supply chain core enterprise sign factoring contract with the supplier.Business module 402 may be used also
It signs supply chain core enterprise and supplier and supply contract on block chain is stored in intelligent forms of contract.Further, institute
State business module 402 can be used for evaluating in the standing assessment module 403 the supply chain core enterprise credit status it is up to standard
When, the supply contract and the supplier for signing the factoring company according to supply chain core enterprise and supplier sign factoring
Contract.
Standing assessment module 403 is evaluated for the credit status to enterprise, and setting reaches and can finance or can sign
Order the classification standard of related protocol.Specifically, standing assessment module 403 can be used for making the factoring company according to being stored in block
The financial information and/or operation information of the supply chain core enterprise on chain carry out credit status evaluation.
Quotient's ticket management module 404, for the distribution of quotient's ticket and the transfer of quotient's ticket.Specifically, quotient's ticket management module 404 can root
According to the factoring contract by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring company.Quotient
Ticket management module 404 can also be such that the financial institution tests by the bill that the block chain provides the factoring company
Card is the application of making loans that the supplier does to audit the factoring company；The bill includes the supply contract, the guarantor
Reason contract and the accounts receivable are formed by bill etc..Quotient's ticket management module 404 is also used to be formed according to the supply contract
Accounts receivable of the supplier to the supply chain core enterprise.Quotient's ticket management module 404 can also be used in by the guarantor
Reason contract be formed by intelligent contract detect the supply chain core enterprise to the financial institution carry out token refund after, into
The financing bill clearing of row factoring company and interbank.
Capital management module 405 is exchanged for fund, payment funding and fund are taken in.Specifically, capital management module
405 can be used for that the financial institution is made after the approval to make loans to the supplier on the block chain described, with
And it is refunded in a manner of Token for supply chain core enterprise to described financial institution etc..
About data management module 401, business module 402, standing assessment module 403, quotient's ticket management module 404 and fund
The function and processing method of the more details of management module 405 can be found in the associated description of Fig. 1, therefore details are not described herein.This
Outside, it is pointed out that quotient's ticket financing device 40 provided in an embodiment of the present invention may be disposed at the supply chain based on the block chain
In financial platform system.
In quotient's ticket financing device that Fig. 4 is provided, factoring company can be according to the supply chain core enterprise being stored on block chain
The credit information of the supply contract and the supply chain core enterprise signed with supplier is signed factoring with the supplier and is closed
Together, by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring company, financial institution can lead to
It crosses the bill that the block chain provides the factoring company to verify, is that the supplier does to audit the factoring company
Application of making loans, financial institution can make loans to the supplier on the block chain after the approval described.This hair
Bright embodiment can realize that each main information of quotient's ticket finance process interconnects, also using block chain safety, can not distort and
Intelligent contract such as executes at the performances automatically, promotes Financing efficiency and reliability.In addition, utilizing block chain when there is financing dispute
It is capable of providing the advantage of retrospective credible account book, the cost put to the proof and called to account can be reduced.
Fig. 5 is the schematic diagram for the terminal device that one embodiment of the invention provides.As shown in figure 5, the terminal of the embodiment is set
Standby 5 include: processor 50, memory 51 and are stored in the meter that can be run in the memory 51 and on the processor 50
Calculation machine program 52, such as carry out the program of credit financing.The processor 50 is realized above-mentioned when executing the computer program 52
Step in embodiment of the method, for example, S101 shown in FIG. 1 to S103.Alternatively, the processor 50 executes the computer journey
The function of each module/unit in above-mentioned each Installation practice, such as the function of module 401 to 405 shown in Fig. 4 are realized when sequence 52.
Illustratively, the computer program 52 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 51, and are executed by the processor 50, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 52 in terminal device 5 is described.For example, the computer program 52 can be divided into
According to management module 401, business module 402, standing assessment module 403, quotient's ticket management module 404 and capital management module 405.
(module in virtual bench), each module concrete function are as follows:
Data management module 401 carries out data collection for data generated on the block chain, data store sum number
According to shared.Specifically, data management module 401 can be used for that factoring company is made to obtain the provider core from the block chain
The credit information of enterprise.Data management module 401 can also be used in the financing Shen in the financial institution according to the factoring company
It please makes loans to the supplier and supplier is formed by intelligent contract according to the supply contract and looks forward to the supply chain core
After the industry supply of material, corresponding supply of material information is recorded.
Business module 402 is uploaded for contract, contract confirms and termination of contract.Specifically, business module 402 can make to protect
Reason company according in the data management module 401 being stored on block chain supply chain core enterprise and supplier sign the supply of material
Contract and the credit information of the supply chain core enterprise sign factoring contract with the supplier.Business module 402 may be used also
It signs supply chain core enterprise and supplier and supply contract on block chain is stored in intelligent forms of contract.Further, institute
State business module 402 can be used for evaluating in the standing assessment module 403 the supply chain core enterprise credit status it is up to standard
When, the supply contract and the supplier for signing the factoring company according to supply chain core enterprise and supplier sign factoring
Contract.
Standing assessment module 403 is evaluated for the credit status to enterprise, and setting reaches and can finance or can sign
Order the classification standard of related protocol.Specifically, standing assessment module 403 can be used for making the factoring company according to being stored in block
The financial information and/or operation information of the supply chain core enterprise on chain carry out credit status evaluation.
Quotient's ticket management module 404, for the distribution of quotient's ticket and the transfer of quotient's ticket.Specifically, quotient's ticket management module 404 can root
According to the factoring contract by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring company.Quotient
Ticket management module 404 can also be such that the financial institution tests by the bill that the block chain provides the factoring company
Card is the application of making loans that the supplier does to audit the factoring company；The bill includes the supply contract, the guarantor
Reason contract and the accounts receivable are formed by bill etc..Quotient's ticket management module 404 is also used to be formed according to the supply contract
Accounts receivable of the supplier to the supply chain core enterprise.Quotient's ticket management module 404 can also be used in by the guarantor
Reason contract be formed by intelligent contract detect the supply chain core enterprise to the financial institution carry out token refund after, into
The financing bill clearing of row factoring company and interbank.
Capital management module 405 is exchanged for fund, payment funding and fund are taken in.Specifically, capital management module
405 can be used for that the financial institution is made after the approval to make loans to the supplier on the block chain described, with
And it is refunded in a manner of token Token to described financial institution etc. for supply chain core enterprise.
The terminal device 5 can be the calculating such as desktop PC, notebook, palm PC and cloud server and set
It is standby.Terminal device 5 may include, but be not limited only to, processor 50, memory 51.It will be understood by those skilled in the art that Fig. 5 is only
It is only the example of terminal device 5, does not constitute the restriction to terminal device 5, may include components more more or fewer than diagram,
Perhaps certain components or different components are combined, such as the terminal device can also connect including input-output equipment, network
Enter equipment, bus etc..
The processor 50 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 51 can be the internal storage unit of terminal device 5, such as the hard disk or memory of terminal device 5.
It is hard that the memory 51 is also possible to the plug-in type being equipped on the External memory equipment of terminal device 5, such as the terminal device 5
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Further, the memory 51 can also both including terminal device 5 internal storage unit and also including
External memory equipment.The memory 51 for other programs needed for storing the computer program and terminal device 5 and
Data.The memory 51 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, it can be with
It realizes by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as
Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device
Or the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, 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 described
The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice
Subtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictions
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of quotient's ticket financing method characterized by comprising
Supply contract that factoring company signs according to the supply chain core enterprise being stored on block chain and supplier and described
The credit information of supply chain core enterprise signs factoring contract with the supplier, by the supplier to the supply chain core
The accounts receivable transfer of heart enterprise is to the factoring company；
Financial institution is verified by the bill that the block chain provides the factoring company, to audit the factoring company
The application of making loans done for the supplier；The bill includes the supply contract, the factoring contract and the accounts receivable
It is formed by bill；
Financial institution after the approval makes loans to the supplier on the block chain described.
2. quotient's ticket financing method according to claim 1, which is characterized in that the factoring company is according to being stored in block chain
On supply chain core enterprise and supplier sign supply contract and the supply chain core enterprise credit information, with institute
It states supplier and signs factoring contract, by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring
Before company, further includes:
Supply chain core enterprise and supplier, which sign, is stored in the supply contract on block chain with intelligent forms of contract, described in formation
Accounts receivable of the supplier to the supply chain core enterprise；
Factoring company obtains the credit information of the provider core enterprise from the block chain.
3. quotient's ticket financing method according to claim 1, which is characterized in that the credit information include financial information and/
Or operation information, the factoring company close according to the supply of material that the supply chain core enterprise being stored on block chain and supplier sign
The credit information of the same and described supply chain core enterprise signs factoring contract with the supplier, by the supplier to institute
The accounts receivable transfer of supply chain core enterprise is stated to the factoring company, comprising:
The factoring company is according to the financial information and/or operation information of the supply chain core enterprise being stored on block chain
Carry out credit status evaluation；
When the credit status of the supply chain core enterprise is up to standard, the factoring company is according to supply chain core enterprise and supply
The supply contract and the supplier that quotient signs sign factoring contract；
According to the factoring contract by the supplier to the accounts receivable transfer of the supply chain core enterprise to the factoring
Company.
4. quotient's ticket financing method according to claim 1, which is characterized in that the financial institution passes through the block chain pair
The bill that the factoring company provides is verified, and is that making loans of doing of the supplier applies for it to audit the factoring company
Before, further includes:
Factoring company sends accounts receivable to supply chain core enterprise and supplier and transfers the possession of acknowledgement notification, waits the supply chain
Core enterprise and the supplier carry out Signature Confirmation to the accounts receivable notification of the assignment；
Supply chain core enterprise and supplier sign to the accounts receivable notification of the assignment, and accounts receivable transfering bank is made to make a living
Effect, and it is recorded in the information that comes into force of accounts receivable conveyancing in the block chain.
5. quotient's ticket financing method according to any one of claims 1 to 4, which is characterized in that the financial institution is in institute
It states after making loans on the block chain the supplier after the approval, further includes:
Supplier is formed by intelligent contract according to the supply contract and supplies to the supply chain core enterprise, corresponding supply of material letter
Breath is recorded in the block chain；
Supply chain core enterprise is refunded in a manner of token Token to the financial institution；
By the factoring contract be formed by intelligent contract detect the supply chain core enterprise to the financial institution into
After row token is refunded, the financing bill clearing of factoring company and interbank is carried out.
The device 6. a kind of quotient's ticket is financed characterized by comprising
Business module, for making factoring company according to the supply chain core enterprise in the data management module being stored on block chain
The credit information of the supply contract and the supply chain core enterprise signed with supplier is signed factoring with the supplier and is closed
Together；
Quotient's ticket management module, for the supplier to be answered receipt on account to the supply chain core enterprise according to the factoring contract
Money transfer is to the factoring company；
Quotient's ticket management module is also used to that the financial institution is made to pass through the ticket that the block chain provides the factoring company
It is the application of making loans that the supplier does to audit the factoring company according to being verified；The bill includes that the supply of material is closed
Same, the factoring contract and the accounts receivable are formed by bill；
Capital management module, for making the financial institution described after the approval on the block chain to the supplier
It makes loans.
The device 7. quotient's ticket according to claim 6 is financed, which is characterized in that the business module is also used to make supply chain
Core enterprise and supplier, which sign, is stored in supply contract on block chain with intelligent forms of contract；
Quotient's ticket management module is also used to form the supplier according to the supply contract and look forward to the supply chain core
The accounts receivable of industry；
The data management module, the money for being also used to that factoring company is made to obtain the provider core enterprise from the block chain
Letter information.
The device 8. quotient's ticket according to claim 6 is financed, which is characterized in that further include:
Standing assessment module, for making the factoring company according to the wealth for the supply chain core enterprise being stored on block chain
Information of being engaged in and/or operation information carry out credit status evaluation；
The business module is specifically used for: reaching in the credit status that the standing assessment module evaluates the supply chain core enterprise
When mark, the supply contract and the supplier for signing the factoring company according to supply chain core enterprise and supplier, which are signed, to be protected
Reason contract.
9. a kind of terminal device, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, which is characterized in that the processor is realized when executing the computer program as in claim 1-5
The step of any one the method.
10. a kind of computer-readable medium, the computer-readable medium storage has computer program, which is characterized in that described
It is realized when computer program execution processed such as the step of any one of claim 1-5 the method.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910295303.3A CN110175903A (en) | 2019-04-12 | 2019-04-12 | A kind of quotient's ticket financing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910295303.3A CN110175903A (en) | 2019-04-12 | 2019-04-12 | A kind of quotient's ticket financing method and device |
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| CN110175903A true CN110175903A (en) | 2019-08-27 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910295303.3A Pending CN110175903A (en) | 2019-04-12 | 2019-04-12 | A kind of quotient's ticket financing method and device |
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| CN110599323A (en) * | 2019-09-24 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Resource processing method and processing equipment |
| CN110648138A (en) * | 2019-09-30 | 2020-01-03 | 支付宝(杭州)信息技术有限公司 | Transaction query and transaction data processing method, device and equipment based on block chain |
| CN110675146A (en) * | 2019-08-30 | 2020-01-10 | 深圳壹账通智能科技有限公司 | Method and medium for processing electronic certificate transaction record and computer equipment |
| CN110737721A (en) * | 2019-09-25 | 2020-01-31 | 中信梧桐港供应链管理有限公司 | Receivable account transfer financing method and device based on block chain architecture |
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| CN110675146A (en) * | 2019-08-30 | 2020-01-10 | 深圳壹账通智能科技有限公司 | Method and medium for processing electronic certificate transaction record and computer equipment |
| CN110599323A (en) * | 2019-09-24 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Resource processing method and processing equipment |
| CN110599323B (en) * | 2019-09-24 | 2024-02-20 | 腾讯科技（深圳）有限公司 | Resource processing method and processing equipment |
| CN110737721A (en) * | 2019-09-25 | 2020-01-31 | 中信梧桐港供应链管理有限公司 | Receivable account transfer financing method and device based on block chain architecture |
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| CN110648138A (en) * | 2019-09-30 | 2020-01-03 | 支付宝(杭州)信息技术有限公司 | Transaction query and transaction data processing method, device and equipment based on block chain |
| CN110648138B (en) * | 2019-09-30 | 2021-04-30 | 支付宝(杭州)信息技术有限公司 | Transaction query and transaction data processing method, device and equipment based on block chain |
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| CN111161087A (en) * | 2019-12-24 | 2020-05-15 | 湖南大学 | Method and storage medium for international warranty based on block chain |
| CN111161087B (en) * | 2019-12-24 | 2023-09-22 | 湖南大学 | Method for international insurance based on block chain and storage medium |
| CN111275544A (en) * | 2020-01-22 | 2020-06-12 | 南昌泽诺信息科技有限公司 | Supply chain financial management method and system based on block chain |
| CN111539680A (en) * | 2020-04-08 | 2020-08-14 | 江苏众享金联科技有限公司 | Supply chain financial system and method based on block chain |
| CN111831364A (en) * | 2020-04-14 | 2020-10-27 | 深圳市启迪网络科技有限公司 | Supply chain financial system on block chain |
| CN111369371A (en) * | 2020-05-27 | 2020-07-03 | 杭州产链数字科技有限公司 | Business ticket financing system and method based on block chain |
| CN112508565A (en) * | 2020-12-01 | 2021-03-16 | 浙商银行股份有限公司 | Guarantee financing method, system, equipment and storage medium based on block chain |
| CN112734546A (en) * | 2020-12-31 | 2021-04-30 | 山东数字能源交易中心有限公司 | Service data processing method and device |
| CN112950203A (en) * | 2021-03-04 | 2021-06-11 | 湖南大学 | Bill financing method, system, equipment and medium based on intelligent matching platform |
| CN113379543A (en) * | 2021-06-07 | 2021-09-10 | 上海玳鸽信息技术有限公司 | Information processing method and device for managing supply chain financial business |
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| CN115879161A (en) * | 2023-02-23 | 2023-03-31 | 西南交通大学 | Data transfer method, device, equipment and readable storage medium |
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Application publication date: 20190827 |