CN110363665A - Credits data processing method, device, equipment and medium - Google Patents

Credits data processing method, device, equipment and medium Download PDF

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Publication number
CN110363665A
CN110363665A CN201910694645.2A CN201910694645A CN110363665A CN 110363665 A CN110363665 A CN 110363665A CN 201910694645 A CN201910694645 A CN 201910694645A CN 110363665 A CN110363665 A CN 110363665A
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China
Prior art keywords
credits
information
subrogation
user
instruction
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CN201910694645.2A
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Chinese (zh)
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CN110363665B (en
Inventor
李亮
周洪飞
王慧星
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Tencent Technology Shenzhen Co Ltd
Tencent Cloud Computing Beijing Co Ltd
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Tencent Technology Shenzhen Co Ltd
Tencent Cloud Computing Beijing Co Ltd
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Priority to CN201910694645.2A priority Critical patent/CN110363665B/en
Publication of CN110363665A publication Critical patent/CN110363665A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention discloses a kind of credits data processing methods, device, equipment and medium, belong to network technique field, technical solution provided by the invention, by obtaining credits data, based on the credits information and user instruction in the credits data, generate subrogation information corresponding to the user instruction, it include credits holder information in the subrogation information, credits recipient information and credits state, in this credits data processing method, credits variation each time can accurately be recorded, convenient for user query credits information, also improve work flow speed and business processing speed.

Description

Credits data processing method, device, equipment and medium
The application be the applying date be on June 11st, 2018, application No. is 201810595041.8, entitled " credits The divisional application of date storage method, device, equipment and medium ".
Technical field
The present invention relates to network technique field, in particular to a kind of credits data processing method, device, equipment and medium.
Background technique
Accounts receivable refers to that enterprise, because of business such as merchandising, product or utility services, answers in normal business process The fund collected to buyer.Accounts receivable is the sales behavior with enterprise and credits being formed.Enterprise can benefit With this part credits information, finance.For example, by the assignment of credit to third party, to obtain third-party fund.
The detailed process of the above process is as follows:
A enterprise provides service or merchandising gives B enterprise, and B enterprise signs the bill signed in acknowledgement of debt and gives A enterprise, and A enterprise, which possesses, answers receipt on account Money;
A enterprise needs more fund flows, and above accounts receivable is transferred factoring quotient C;
B enterprise obtains the debt call announcement of A enterprise, C enterprise, and confirms;
C enterprise makes loans to A, and A enterprise gives the assignment of credit to C enterprise
B enterprise, which refunds, gives C enterprise.
Multi-party participation is not only needed in entire finance process, but also the entire operation process period is longer, is especially Interaction confirmation process CIMS is long under line, leads to that work flow speed is slow, processing speed is also very slow, and user is difficult to inquire in time Assignment of credit state.
Summary of the invention
The embodiment of the invention provides a kind of credits data processing method, device, equipment and media.The technical solution is such as Under:
On the one hand, a kind of credits data processing method is provided, this method comprises:
Credits data are obtained, which includes credits odd numbers and credits information, which, which includes at least, makees The first user for debt side, the second user and amount owed as beneficiary;
Based on the credits information, the first subrogation information, the credits holder in the first subrogation information are generated Information is the beneficiary, and credits recipient's information is null field, and the credits state in the first subrogation information is that credits are true It is vertical;
Subrogation instruction and the first subrogation information based on the second user, generate the second subrogation letter It ceases, credits holder's information in the second subrogation information is the second user, and credits recipient's information is the third User, the credits state in the second subrogation information are assignment of credit notice;
Subrogation confirmation instruction and the second subrogation information based on first user, generate third subrogation Information, credits holder's information in the third subrogation information are the second user, credits recipient's information be this Three users, the credits state in the third subrogation information are assignment of credit acknowledgement notification;
Credits based on third user receive instruction and the third subrogation information, generate the 4th subrogation letter It ceases, credits holder's information in the 4th subrogation information is the second user, and credits recipient's information is the third User, the credits state in the 4th subrogation information are to pay credits holder;
Credits based on the second user receive confirmation instruction and the 4th subrogation information, generate the 5th subrogation Information, credits holder's information in the 5th subrogation information are third user, and credits recipient's information is empty word Section, the credits state in the 5th subrogation information is that credits are established;
Credits out code and the 5th subrogation information based on third user generate the 6th subrogation letter It ceasing, credits holder's information in the 6th subrogation information is third user, and credits recipient's information is null field, Credits state in 6th subrogation information is credits closing.
On the one hand, a kind of credits data processing equipment is provided, applied in any node equipment in block catenary system, The device includes:
Module is obtained, for obtaining credits data, which includes credits odd numbers and credits information, credits letter Breath includes at least the first user as debt side, the second user and amount owed as beneficiary;
First generation module generates the first subrogation information, first subrogation letter for being based on the credits information Credits holder's information in breath is the beneficiary, and credits recipient's information is null field, in the first subrogation information Credits state is established for credits;
Second generation module, it is raw for subrogation instruction and the first subrogation information based on the second user At the second subrogation information, credits holder's information in the second subrogation information is the second user, which connects Debit's information is third user, and the credits state in the second subrogation information is assignment of credit notice;
Third generation module instructs for the subrogation confirmation based on first user and second subrogation is believed Breath generates third subrogation information, and credits holder's information in the third subrogation information is the second user, the debt Power recipient's information is third user, and the credits state in the third subrogation information is assignment of credit acknowledgement notification;
4th generation module receives instruction and the third subrogation information for the credits based on third user, raw At the 4th subrogation information, credits holder's information in the 4th subrogation information is the second user, which connects Debit's information is third user, and the credits state in the 4th subrogation information is to pay credits holder;
5th generation module receives confirmation instruction and the 4th subrogation letter for the credits based on the second user Breath generates the 5th subrogation information, and credits holder's information in the 5th subrogation information is third user, the debt Power recipient's information is null field, and the credits state in the 5th subrogation information is established for credits;
6th generation module, it is raw for credits out code and the 5th subrogation information based on third user At the 6th subrogation information, credits holder's information in the 6th subrogation information is third user, which connects Debit's information is null field, and the credits state in the 6th subrogation information is credits closing.
On the one hand, a kind of computer equipment is provided, which includes processor and memory, in the memory It is stored at least one instruction, which is loaded by the processor and executed to realize as above-mentioned credits data processing method is held Capable operation.
On the one hand, a kind of computer readable storage medium is provided, at least one instruction is stored in the storage medium, it should Instruction is loaded as processor and is executed to realize the operation as performed by above-mentioned credits data processing method.
Technical solution provided in an embodiment of the present invention has the benefit that by obtaining credits data, is based on the debt Credits information and user instruction of the flexible strategy in generate subrogation information corresponding to the user instruction, subrogation letter It include credits holder information, credits recipient information and credits state in breath, it, can be in this credits data processing method Credits variation each time is accurately recorded, is convenient for user query credits information, also improves work flow speed and business processing Speed.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other Attached drawing.
Fig. 1 is a kind of system construction drawing of credits data-storage system provided in an embodiment of the present invention;
Fig. 2 is a kind of flow chart of credits date storage method provided in an embodiment of the present invention;
Fig. 3 is a kind of field schematic diagram of subrogation information provided in an embodiment of the present invention;
Fig. 4 is a kind of logical flow chart of intelligent contract provided in an embodiment of the present invention;
Fig. 5 is a kind of structural schematic diagram of credits data storage device provided in an embodiment of the present invention;
Fig. 6 is a kind of schematic diagram of computer equipment 600 provided in an embodiment of the present invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached drawing to embodiment party of the present invention Formula is described in further detail.
Fig. 1 is a kind of system construction drawing of credits data-storage system provided in an embodiment of the present invention.The implementation environment packet Multiple node devices 101 are included, multiple node device 101 can be the server of more mechanisms.Server 101 may belong to appoint One mechanism, such as enterprise, cause, organ and bank, financial institution, credit agency, credit information service or consumption mechanism etc., The a plurality of block chain shared for each mechanism can be deployed on multiple server 101.It should be noted that above-mentioned clothes Business device can be provided as any computer equipment, and the embodiment of the present invention is not specifically limited in this embodiment.
In the following, some nouns occurred during following illustrate are introduced:
Alliance's chain, also referred to as community's block chain (Consortium Block chains), refer to its common recognition process by pre- Select the block chain of node control.In alliance's chain, just for the open all or part of function of node member in chain, in alliance's chain Each block chain node can be based on needing to customize access limit, search access right etc..
Intelligent contract: the contract program executed automatically according to specified conditions can operate the data stored on chain, It is that user and block chain interact, utilize the important channel of block chain realization service logic.For example, each mechanism can pass through Intelligent contract accesses the credits data-storage system on the block chain disposed in server.
Target strategy: the target strategy can be one kind of common recognition strategy, such as endorsement strategy, can serve to indicate that data The necessary condition that process of endorsing in storage system need to meet.For example, the endorsement strategy can indicate the multiple endorsements for needing to endorse Node, forms an endorsement node set, and endorsement process then needs the coalition signature of the endorsement node set.
Credits state refers to the transmitting state of accounts receivable, in the following, to the present embodiments relate to several credits shapes arrived State is illustrated:
Credits are established, and are represented credits generation, be that is to say credits holder it has been determined that debt side can be in this condition It refunds.
Assignment of credit notice represents credits holder and notifies debt side, prepares subrogation to third party.
Assignment of credit Notification Validation represents debt side and has known credits in transfer process.
Money holder is beaten, credits recipient is represented and is ready to receive this credits, and beaten money and given credits holder.
Credits are closed, and are represented debt and have been paid off, are the final state of accounts receivable.
Credits holder represents the side for holding this credits at present.Credits recipient represents subrogation process Recipient.
Fig. 2 is a kind of flow chart of credits date storage method provided in an embodiment of the present invention.This method can be applied to In the implementation environment as provided by Fig. 1, and, which can be the server of any mechanism.Referring to fig. 2, this method comprises:
201, server obtains credits data, and the credits data include credits odd numbers and credits information, the credits Information includes at least the first user as debt side, the second user and amount owed as beneficiary.
The credits odd numbers is used for the unique identification credits data.Credits information is for when indicating that the credits most take place Relevant information, include beneficiary, debt side and amount owed, can also include debt date and debt reason etc..Into One step, which, which can also carry, carries out abstract label to these credits data with the business private key of oneself by debt side Name, to prove to confirm the necessary being of this debt.
It should be noted that after the credits data can be carried out typing and be triggered by the debt side that joined block catenary system Continuous data uplink operation deposits credits data when debt side triggers for example, the server can refer to the server of debt side It stores up to when the instruction of block chain, then can carry out follow-up process based on the credits data, certainly, which can also be block Leader node in catenary system, when debt side's typing credits data, after being carried out by the server as leader node Afterflow journey.
202, server is based on the credits odd numbers, generates credits key assignments.
Server can obtain credits key assignments based on credits odd numbers, uniquely to mark when circulating to credits information Know the credits data, the credits key assignments can be credits odd numbers, be also based on credits odd numbers character string generated, using as Used index when subsequent query and update subrogation information.
203, server is based on the credits information, generates the first subrogation information, the first subrogation information In credits holder's information be the beneficiary, credits recipient's information is null field, in the first subrogation information Credits state be credits establish.
The first subrogation information is generated based on data provided by debt side, current to describe the accounts receivable Specific transmitting state, due to the first subrogation information be credits establish in the state of obtain, credits are held Beneficiary included in credits information is remained as before square mesh, and since the credits have not been entered into circulation process, debt Weighing recipient's information can be sky.
Optionally, which further includes NextState operation side, to indicate next reply debt The side handled is weighed, which, which can be used as, verifies whether that credits can be handled, so that should The state of credits is updated to the condition of next state, that is to say, refers to when receiving any processing for carrying the credits key assignments When enabling, the process instruction is verified according to the NextState operation side stored in subrogation information, when verification is logical It is out-of-date, in response to the process instruction, execute subrogation information update process.For example, coming for the first subrogation information It says, NextState operation side is beneficiary, that is to say second user.
Optionally, which further includes operation serial number, and subrogation information further includes operation serial number, institute The circulation number that operation serial number is used to identify the credits information is stated, to guarantee the orderly progress of subrogation.For example, for For one subrogation information, operation serial number can be 0.
Optionally, which can also include that the business private key of debt side believes first subrogation The signature of above- mentioned information in breath, for example, be the beneficiary when the first subrogation information includes: credits holder's information, Credits recipient's information is null field, and the credits state in the first subrogation information is credits establishment and operation sequence Number and when the information such as NextState operation side, server can be according to the business private key of debt side to signing, and will sign It stores to the first subrogation information, to guarantee the authenticity of data.
For example, Fig. 3 show the format of above-mentioned credits key assignments and the first subrogation information, wherein debt essential information It is credits information, the embodiment of the present invention is not construed as limiting the specific arrangement mode of each information.
204, server stores the credits key assignments and the first subrogation information to the block catenary system On block chain.
It includes: that server can turn according to credits key assignments and first credits that this, which is stored to the detailed process on block chain, Move information, generate the first block, and known together in block catenary system to the first block and know together by when, by the first block It is added on the block chain of the block catenary system.
It should be noted that next state that credits are established is divided into two kinds:
The first is that credits are closed, and represents debt and has paid off, is the final state of accounts receivable.This when, credits are held The side of having and NextState operation side should be same side, and credits holder is constant, and credits recipient is null field, and credits state is debt Power closing, NextState operation side are sky, operate serial number from increasing 1.
Second is assignment of credit notice, represents credits holder and notifies debt side, prepares subrogation.This when It waits, credits holder and NextState operation side should be same side, which modifies data on chain, and data include on chain, owe Money essential information is constant, and credits holder is constant, and credits recipient is the third party that the assignment of credit will be given, and that is to say that third is used Family, credits state are assignment of credit notice, and operation side is debt side in next step, and operation serial number increases 1 certainly.
205, server receives the subrogation instruction of the second user, and the subrogation instruction, which carries, is used as credits The third user of recipient and the credits key assignments.
When the second user as beneficiary needs more fund flows, preparation gives the assignment of credit as third When the third user of side, subrogation instruction can be triggered, it, can first basis when server receives subrogation instruction The information that first block is stored when being verified, then may be used to verify whether subrogation instruction is sent by second user To instruct in response to the subrogation, credits state is updated.
206, server is raw according to the corresponding first subrogation information of the credits key assignments and the third user At the second subrogation information, credits holder's information in the second subrogation information is the second user, described Credits recipient's information is the third user, and the credits state in the second subrogation information is assignment of credit notice.
When receiving subrogation instruction, server can be instructed according to subrogation in entrained credits key assignments, The credits key assignments is inquired from the block chain, is obtained the block for being stored with the first subrogation information, is obtained in the block First subrogation information of storage to know the current concrete condition of the credits, and is based on the first subrogation information It modifies to credits state etc..
The second subrogation information is that the transfer demand based on beneficiary generates, since the second subrogation information is It is obtained when being transferred the possession of, therefore, credits holder remains as in credits information included beneficiary at present, and by Circulation process is just initially entered in the credits, therefore, credits recipient information can be third user.
Optionally, which further includes NextState operation side, to indicate next reply debt The side handled is weighed, which, which can be used as, verifies whether that credits can be handled, so that should The state of credits is updated to the condition of next state, that is to say, refers to when receiving any processing for carrying the credits key assignments When enabling, the process instruction is verified according to the NextState operation side stored in subrogation information, when verification is logical It is out-of-date, in response to the process instruction, execute subrogation information update process.For example, coming for the second subrogation information It says, NextState operation side is debt side, that is to say the first user.
Optionally, which further includes operation serial number, and subrogation information further includes operation serial number, institute The circulation number that operation serial number is used to identify the credits information is stated, to guarantee the orderly progress of subrogation.For example, for For two subrogation information, operation serial number can be 1.
Optionally, which can also include that the business private key of beneficiary believes second subrogation The signature of above- mentioned information in breath, for example, being second use when the second subrogation information includes: credits holder's information Family, credits recipient's information are third user, the credits state in the second subrogation information be assignment of credit notice, with And when the operation information such as serial number and NextState operation side, server can according to the business private key of beneficiary to signing, And signature is stored to the second subrogation information, to guarantee the authenticity of data.
207, server stores the credits key assignments and the second subrogation information to the block catenary system On block chain.
It includes: that server can turn according to credits key assignments and second credits that this, which is stored to the detailed process on block chain, Move information, generate the second block, and known together in block catenary system to the second block and know together by when, by the second block It is added on the block chain of the block catenary system.
208, server receives the subrogation confirmation instruction of first user, and the subrogation confirmation instruction carries The credits key assignments.
Know that the second user is desired as the first user and give subrogation to third user, then can first inquire and check this Whether debt is paid bills, which may include: the credits inquiry instruction for receiving any user, the credits Inquiry instruction carries the credits key assignments;The credits key assignments is inquired from the block chain, determines at least one block;By institute It states the subrogation information stored in the highest block of block height at least one block and is sent to the user.Wherein, area Block height is higher, indicate the block enter chain time it is more late, therefore, deposited in the highest block of block height in multiple blocks What is stored up is the last state of the credits.When the first user determines that the debt has been given back, then withdrawal operation can be initiated, and is worked as First user determines that the debt is not given back, then can agree to that the debt shifts, and triggers subrogation confirmation instruction.
209, server generates third subrogation according to the corresponding second subrogation information of the credits key assignments Information, credits holder's information in the third subrogation information are the second user, the credits recipient information For the third user, the credits state in the third subrogation information is assignment of credit acknowledgement notification.
When receiving subrogation confirmation instruction, server can confirm debt entrained in instruction according to subrogation Key assignments is weighed, the credits key assignments is inquired from the block chain, obtains multiple blocks for being stored with the credits key assignments, obtains block The the second subrogation information stored in highly highest block, to know the current concrete condition of the credits, and being based on should Second subrogation information modifies to credits state etc..
The third subrogation information is to agree to carry out assignment of credit generation based on debt side, due to the third subrogation Information is obtained when determination will be transferred the possession of, and therefore, credits holder remains as receipts included in credits information at present Money side, and since the credits have been in into circulation process, credits recipient information can be third user.
Optionally, which further includes NextState operation side, to indicate next reply debt The side handled is weighed, which, which can be used as, verifies whether that credits can be handled, so that should The state of credits is updated to the condition of next state, that is to say, refers to when receiving any processing for carrying the credits key assignments When enabling, the process instruction is verified according to the NextState operation side stored in subrogation information, when verification is logical It is out-of-date, in response to the process instruction, execute subrogation information update process.For example, coming for third subrogation information It says, NextState operation side is credits recipient, that is to say third user.
Optionally, which further includes operation serial number, and subrogation information further includes operation serial number, institute The circulation number that operation serial number is used to identify the credits information is stated, to guarantee the orderly progress of subrogation.For example, for For three subrogation information, operation serial number can be 2.
Optionally, which can also include that the business private key of debt side believes the third subrogation The signature of above- mentioned information in breath, for example, being second use when third subrogation information includes: credits holder's information Family, credits recipient's information are third user, and the credits state in the third subrogation information is that assignment of credit confirmation is logical When knowing and operate the information such as serial number and NextState operation side, server can be according to the business private key of beneficiary to progress Signature, and signature is stored to the third subrogation information, to guarantee the authenticity of data.
210, server stores the credits key assignments and the third subrogation information to the block catenary system On block chain.
It includes: that server can turn according to credits key assignments and the third credits that this, which is stored to the detailed process on block chain, Move information, generate third block, and known together in block catenary system to third block and know together by when, by third block It is added on the block chain of the block catenary system.
211, the credits that server receives the third user receive instruction, and the credits receive instruction and carry the credits Key assignments.
When third user, which confirms, receives the credits, then fund can be transferred accounts to the by the mode on line or under line Two users, to realize the purchase to debt.Certainly, before transferring accounts, third user can by with above-mentioned looking into similarly Inquiry process has been updated to transfer of obligation Notification Validation to inquire the state of the debt, then can trigger the credits and receive instruction, To receive the credits, however, third user can not also receive current debt transfer, the embodiment of the present invention pair with withdrawal operation This is not construed as limiting.
212, server generates the 4th subrogation according to the corresponding third subrogation information of the credits key assignments Information, credits holder's information in the 4th subrogation information are the second user, the credits recipient information For the third user, the credits state in the 4th subrogation information is to pay credits holder.
When receiving credits reception instruction, server can receive credits key assignments entrained in instruction according to credits, The credits key assignments is inquired from the block chain, obtains multiple blocks for being stored with the credits key assignments, obtains block height most The third subrogation information stored in high block to know the current concrete condition of the credits, and is based on the third debt Power transinformation modifies to credits state etc..
4th subrogation information is to agree to that receiving credits generates based on third user, since the 4th subrogation is believed Breath is obtained after third user has transferred accounts, and therefore, credits holder remains as receipts included in credits information at present Money side, and since the credits have been in into circulation process, credits recipient information can be third user.
Optionally, the 4th subrogation information further includes NextState operation side, to indicate next reply debt The side handled is weighed, which, which can be used as, verifies whether that credits can be handled, so that should The state of credits is updated to the condition of next state, that is to say, refers to when receiving any processing for carrying the credits key assignments When enabling, the process instruction is verified according to the NextState operation side stored in subrogation information, when verification is logical It is out-of-date, in response to the process instruction, execute subrogation information update process.For example, coming for the 4th subrogation information It says, NextState operation side is beneficiary, that is to say second user.
Optionally, the 4th subrogation information further includes operation serial number, and subrogation information further includes operation serial number, institute The circulation number that operation serial number is used to identify the credits information is stated, to guarantee the orderly progress of subrogation.For example, for For four subrogation information, operation serial number can be 3.
Optionally, the 4th subrogation information can also include that the business private key of credits recipient turns the 4th credits The signature of the above- mentioned information in information is moved, for example, being described second when the 4th subrogation information includes: credits holder's information User, credits recipient's information are third user, and the credits state in the 4th subrogation information is to pay credits to hold When the side of having and the operation information such as serial number and NextState operation side, server can be according to the business private key of credits recipient To signing, and signature is stored to the 4th subrogation information, to guarantee the authenticity of data.
213, server stores the credits key assignments and the 4th subrogation information to the block catenary system On block chain.
It includes: that server can turn according to credits key assignments and the 4th credits that this, which is stored to the detailed process on block chain, Move information, generate the 4th block, and known together in block catenary system to the 4th block and know together by when, by the 4th block It is added on the block chain of the block catenary system.
214, the credits that server receives the second user receive confirmation instruction, and the credits receive confirmation instruction and carry The credits key assignments.
When fund has been received in second user confirmation, then illustrate that credits can be shifted formally.Certainly, the debt is being triggered Power receive confirmation instruction before, second user can by with above-mentioned query process similarly, to have inquired the state of the debt It is updated to pay credits holder, then can trigger the credits and receive instruction, payment for goods has been received with confirmation,
215, server generates the 5th subrogation according to the corresponding 4th subrogation information of the credits key assignments Information, credits holder's information in the 5th subrogation information are the third user, the credits recipient information For null field, the credits state in the 5th subrogation information is that credits are established.
Confirm that server can receive the debt entrained by confirming in instruction according to credits when instructing when receiving credits and receiving Key assignments is weighed, the credits key assignments is inquired from the block chain, obtains multiple blocks for being stored with the credits key assignments, obtains block The 4th subrogation information stored in highly highest block, to know the current concrete condition of the credits, and being based on should 4th subrogation information modifies to credits state etc..
5th subrogation information is that the fund generation of third user payment has been received based on second user, due to 5th subrogation information is to have transferred accounts in third user and obtained after second user confirmation, therefore, credits holder It is updated to third user at present, and since the credits have been established again, credits recipient information can be empty word Section.
Optionally, the 5th subrogation information further includes NextState operation side, to indicate next reply debt The side handled is weighed, which, which can be used as, verifies whether that credits can be handled, so that should The state of credits is updated to the condition of next state, that is to say, refers to when receiving any processing for carrying the credits key assignments When enabling, the process instruction is verified according to the NextState operation side stored in subrogation information, when verification is logical It is out-of-date, in response to the process instruction, execute subrogation information update process.For example, coming for the 5th subrogation information It says, NextState operation side is current credits holder, that is to say third user.
Optionally, the 5th subrogation information further includes operation serial number, and subrogation information further includes operation serial number, institute The circulation number that operation serial number is used to identify the credits information is stated, to guarantee the orderly progress of subrogation.For example, for For five subrogation information, operation serial number can be 4.
Optionally, the 5th subrogation information can also include that the business private key of beneficiary believes the 5th subrogation The signature of above- mentioned information in breath, for example, working as the 5th subrogation information includes: that credits holder's information is used for the third Family, credits recipient's information are sky, and the credits state in the 5th subrogation information is credits establishment and operation serial number When with the information such as NextState operation side, server can be according to the business private key of second user to signing, and will signature It stores to the 5th subrogation information, to guarantee the authenticity of data.
216, server stores the credits key assignments and the 5th subrogation information to the block catenary system On block chain.
It includes: that server can turn according to credits key assignments and the 5th credits that this, which is stored to the detailed process on block chain, Move information, generate the 5th block, and known together in block catenary system to the 5th block and know together by when, by the 5th block It is added on the block chain of the block catenary system.
217, server receives the credits out code of the third user, and the credits out code carries the credits Key assignments.
When the refund of the first user has been received in third user confirmation, then the credits out code can be triggered, with It indicates that the credits have been given back to finish.It should be noted that the first user before refund, can also pass through the corresponding debt of inquiry Key assignments is weighed, is being refunded when credits are established to know, to avoid there is situation about refunding to a wrong side.
218, server generates the 6th subrogation according to the corresponding 5th subrogation information of the credits key assignments Information, credits holder's information in the 6th subrogation information are the third user, the credits recipient information For null field, the credits state in the 6th subrogation information is that credits are closed.
When receiving credits out code, server can according to credits key assignments entrained in credits out code, The credits key assignments is inquired from the block chain, obtains multiple blocks for being stored with the credits key assignments, obtains block height most The 5th subrogation information stored in high block to know the current concrete condition of the credits, and is based on the 5th debt Power transinformation modifies to credits state etc..
6th subrogation information is that the debt that the first user gives back has been received based on third user to generate, due to 6th subrogation information is to have transferred accounts in the first user and obtained after third user confirmation, therefore, credits holder It is still third user, and since the credits have been switched off, credits recipient information can be null field.
Optionally, the 6th subrogation information further includes NextState operation side, to indicate next reply debt The side handled is weighed, which, which can be used as, verifies whether that credits can be handled, so that should The state of credits is updated to the condition of next state, that is to say, refers to when receiving any processing for carrying the credits key assignments When enabling, the process instruction is verified according to the NextState operation side stored in subrogation information, when verification is logical It is out-of-date, in response to the process instruction, execute subrogation information update process.For example, coming for the 6th subrogation information It says, NextState operation side is null field.
Optionally, the 6th subrogation information further includes operation serial number, and subrogation information further includes operation serial number, institute The circulation number that operation serial number is used to identify the credits information is stated, to guarantee the orderly progress of subrogation.For example, for For six subrogation information, operation serial number can be 5.
Optionally, the 6th subrogation information can also include the business private key of third user to the 6th subrogation The signature of above- mentioned information in information, for example, working as the 6th subrogation information includes: that credits holder's information is used for the third Family, credits recipient's information are sky, and the credits state in the 6th subrogation information is that serial number is closed and operated to credits When with the information such as NextState operation side, server can be according to the business private key of third user to signing, and will signature It stores to the 6th subrogation information, to guarantee the authenticity of data.
219, server stores the credits key assignments and the 6th subrogation information to the block catenary system On block chain.
It includes: that server can turn according to credits key assignments and the 6th credits that this, which is stored to the detailed process on block chain, Move information, generate the 6th block, and known together in block catenary system to the 6th block and know together by when, by the 6th block It is added on the block chain of the block catenary system.
It should be noted that at any time, if receiving the credits inquiry instruction of any user, receiving any user Credits inquiry instruction, the credits inquiry instruction carries the credits key assignments;The credits key is inquired from the block chain Value, determines at least one block;The subrogation letter that will be stored in the highest block of block height at least one described block Breath is sent to the user.By the query process based on block chain, the last state of credits can be inquired, to avoid by In Asymmetry information etc. and caused by maloperation situations such as occur.
Certainly, in inquiry, the subrogation information stored at least one block can also be returned to user, with Just user is made to know the variation overall process of the credits.
Method provided in an embodiment of the present invention, by credits data and with the transfer of credits, relevant information is stored to area On block chain, and when credits change, also by respective data storage to block chain so that the inquiry of bill and account receivable with And state circulation is very convenient, greatly accelerates the speed of work flow and the speed of business processing.Meanwhile the number of cochain The variation overall process an of credits, and the number by being stored on block chain are identified according to the same credits key assignments is not used only According to that can not distort, the authenticity of accounts receivable greatly ensure that.
Further, receipt on account also is answered to control using information such as status information, NextState operation side and operation serial numbers The subrogation of money, avoid as Asymmetry information etc. and caused by operation error, also ensure the orderly progress of subrogation.
It should be noted that above-mentioned process can by the intelligent contract that is stored on operation system and block catenary system come It realizes, it can not only be using the distributed characteristic kept accounts and can not distorted of block chain, to guarantee the authenticity of accounts receivable.Together When, it is also based on the intelligent contract to operation flow conversion, to control the circulation of entire business, accelerates the processing entirely financed Speed.By taking above-mentioned financing process as an example, the logic which is realized may refer to be created shown in Fig. 4 by debt side After debt, the state of credits is established for credits, and when receiving the notification of the assignment of credits, it is logical that credits state is updated to the assignment of credit Know, if recalling transfer, the state of credits reverts to credits and establishes, and in the state of assignment of credit notice, if received Confirm that then the state of credits is updated to assignment of credit Notification Validation, if recalling confirmation, the state of credits is extensive to notification of the assignment It is established again for credits, and in the state of assignment of credit Notification Validation, if it is confirmed that having beaten money, then the state of credits is updated to Credits holder is paid, and when credits holder receives fund, then credits state is that credits are established, and credits at this time return the Tripartite is all, and in the state that credits are established, if credits holder at this time acknowledges receipt of fund, credits state updates For credits closing.The logic can realize that detailed process is detailed in stream shown in Fig. 2 jointly by operation system and block catenary system Journey, details are not described herein.
For the factoring finance process of one accounts receivable of clearer explanation, the process is illustrated below:
(1) A enterprise provides service or merchandising gives B enterprise, and block chain will be written to the debt of A enterprise in B enterprise, The following contents is stored on block chain: essential information (debt odd numbers, date, collecting company, debt company, the amount of money, debt of debt Reason and signature etc.), credits hold company A, and credits acquiring company is empty, and credits state is established for credits, NextState operation Company A, serial number 0 is operated, while being signed with the business private key of B enterprise to above data.
(2) A enterprise needs more fund flows, and above accounts receivable is prepared to transfer factoring quotient C.A enterprise for Corresponding accounts receivable stores the following contents on block chain: the essential information (constant) of debt, and it is A, debt that credits, which hold company, Power acquiring company becomes C, and credits Status Change is assignment of credit notice, and it is debt company B that NextState, which operates company, operates sequence Number 1, while being signed to above data with the business private key of A enterprise.
(3) B enterprise need to obtain the debt call announcement of A, C, and confirm transfer.B company can inquire corresponding credits Key assignments, if this debt has been given back, just initiates withdrawal operation to know the state of debt.And if B corporation loan It does not give back, then can agree to that debt shifts, store the following contents on block chain: debt essential information, credits hold company For A, credits acquiring company is C, and credits Status Change is assignment of credit Notification Validation, and NextState operates company as credits reception Company C operates serial number 2, meanwhile, it is signed to above data with the business private key of B enterprise.
(4) C enterprise makes loans to A, and A is by the assignment of credit to C.C can inquire corresponding credits key assignments, to know debt State confirms that this credits enters transfer of obligation Notification Validation.At this point, C can recall this if being not desired to receive the transfer of this debt Operation.If C company agrees to receive the transfer of this debt, it can make loans to A, store the following contents on block chain: debt Be basically unchanged, it is A that credits, which hold company, and credits acquiring company is C, and Status Change is beat money to hold company, and NextState is grasped Making company is that credits hold company A, operates serial number 3, meanwhile, it is signed to above data with the business private key of C enterprise.
(5) A can inquire corresponding credits key assignments, to know the state of debt, confirm that this debt number enters payment After credits holder, by subrogation, store the following contents on block chain: the essential information of debt, credits hold company Become credits acquiring company C, it is C that NextState, which operates company, and credits acquiring company is sky, and Status Change is established for credits, behaviour Make serial number 4, meanwhile, it is signed to above data with the business private key of A enterprise.
(6) B enterprise refunds to C.When B enterprise refunds, corresponding credits key assignments can be inquired, to know debt State beats money to holder when confirmation current state is that credits are established just now.
(7) after C receives corresponding fund, the following contents is stored on block chain:: the essential information of debt, credits are held Company is C, and it is sky that NextState, which operates company, and credits acquiring company is sky, and Status Change is credits closing, operates serial number 5, Meanwhile it being signed to above data with the business private key of C enterprise.
In the above process, the inquiry of bill and account receivable and state circulation are very convenient, greatly accelerate factoring financing Efficiency.Meanwhile the data of cochain can not distort, and greatly ensure that the authenticity of accounts receivable.The modification of data after cochain Journey is to increase data newly to corresponding key assignments, can find whole circulation processes of corresponding accounts receivable in this way.
Fig. 5 is a kind of structural schematic diagram of credits data storage device provided in an embodiment of the present invention.Referring to fig. 4, the dress It sets and includes:
Module 501 is obtained, for obtaining credits data, the credits data include credits odd numbers and credits information, institute Credits information is stated including at least the first user as debt side, the second user and amount owed as beneficiary;
Generation module 502 generates credits key assignments for being based on the credits odd numbers;
The generation module 502 is also used to generate the first subrogation information, first debt based on the credits information Weighing credits holder's information in transinformation is the beneficiary, and credits recipient's information is null field, first credits Credits state in transinformation is established for credits;
Memory module 503, for storing the credits key assignments and the first subrogation information to the block chain On the block chain of system.
In some embodiments, described device further include:
Receiving module, the subrogation for receiving the beneficiary instruct, and the subrogation instruction, which carries, is used as debt The third user of power recipient and the credits key assignments;
The generation module is also used to according to the corresponding first subrogation information of the credits key assignments and described Three users generate the second subrogation information, and credits holder's information in the second subrogation information is described second User, the credits recipient information are first user, and the credits state in the second subrogation information is credits Notification of the assignment;
The memory module is also used to store the credits key assignments and the second subrogation information to the block On the block chain of catenary system.
In some embodiments, the receiving module is also used to receive the subrogation confirmation instruction of first user, The subrogation confirmation instruction carries the credits key assignments;
The generation module is also used to generate third according to the corresponding second subrogation information of the credits key assignments Subrogation information, credits holder's information in the third subrogation information is the second user, and the credits connect Debit's information is the third user, and the credits state in the third subrogation information is assignment of credit acknowledgement notification;
The memory module is also used to store the credits key assignments and the third subrogation information to the block On the block chain of catenary system.
In some embodiments, the credits which is also used to receive the third user receive instruction, the debt Power receives instruction and carries the credits key assignments;
The generation module is also used to generate the 4th according to the corresponding third subrogation information of the credits key assignments Subrogation information, credits holder's information in the 4th subrogation information is the second user, and the credits connect Debit's information is the third user, and the credits state in the 4th subrogation information is to pay credits holder;
The memory module is also used to store the credits key assignments and the 4th subrogation information to the block chain On the block chain of system.
In some embodiments, the credits which is also used to receive the second user receive instruction, the debt Power receives instruction and carries the credits key assignments;
The generation module is also used to generate the 5th according to the corresponding 4th subrogation information of the credits key assignments Subrogation information, credits holder's information in the 5th subrogation information is the third user, and the credits connect Debit's information is null field, and the credits state in the 5th subrogation information is established for credits;
The memory module is also used to store the credits key assignments and the 5th subrogation information to the block chain On the block chain of system.
In some embodiments, which is also used to receive the credits out code of the third user, the debt It weighs out code and carries the credits key assignments;
The generation module is also used to generate the 6th according to the corresponding 5th subrogation information of the credits key assignments Subrogation information, credits holder's information in the 6th subrogation information is the third user, and the credits connect Debit's information is null field, and the credits state in the 6th subrogation information is credits closing;
The memory module is also used to store the credits key assignments and the 6th subrogation information to the block chain On the block chain of system.
In some embodiments, which is also used to receive the credits inquiry instruction of any user, and the credits are looked into It askes instruction and carries the credits key assignments;
Determining module determines at least one block for inquiring the credits key assignments from the block chain;
Sending module, for believing the subrogation stored in the highest block of block height at least one described block Breath is sent to the user.
In some embodiments, subrogation information further includes NextState operation side;
When receiving any process instruction for carrying the credits key assignments, stored down according in subrogation information One state operation side verifies the process instruction, when passed the verification, in response to the process instruction, executes credits and turns Move information update process.
In some embodiments, subrogation information further includes operation serial number, and the operation serial number is for identifying the debt Weigh the circulation number of information.
In some embodiments, subrogation information further includes operating the business private key of user to the subrogation information Signature.
All the above alternatives can form the alternative embodiment of the disclosure, herein no longer using any combination It repeats one by one.
Fig. 6 is a kind of schematic diagram of computer equipment 600 provided in an embodiment of the present invention, which can be because Configuration or performance are different and generate bigger difference, may include one or more processors (central Processing units, CPU) 601 and one or more memory 602, wherein it is stored in the memory 602 There is at least one instruction, at least one instruction is loaded by the processor 601 and executed to realize that above-mentioned each method is real The credits date storage method of example offer is provided.Certainly, which can also have wired or wireless network interface, keyboard And the components such as input/output interface, to carry out input and output, which can also set including other The component of standby function, this will not be repeated here.
In the exemplary embodiment, a kind of computer readable storage medium is additionally provided, the memory for example including instruction, Above-metioned instruction can be executed by the processor in terminal to complete the credits date storage method in following embodiments.For example, described Computer readable storage medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk and optical data storage Equipment etc..
Those of ordinary skill in the art will appreciate that realizing that all or part of the steps of above-described embodiment can pass through hardware It completes, relevant hardware can also be instructed to complete by program, the program can store in a kind of computer-readable In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.

Claims (14)

1. a kind of credits data processing method, which is characterized in that the described method includes:
Credits data are obtained, the credits data include credits odd numbers and credits information, and the credits information, which includes at least, to be made The first user for debt side, the second user and amount owed as beneficiary;
Based on the credits information, the first subrogation information, the credits holder in the first subrogation information are generated Information is the beneficiary, and credits recipient's information is null field, and the credits state in the first subrogation information is debt Power is established;
Subrogation instruction and the first subrogation information based on the second user, generate the second subrogation letter It ceases, credits holder's information in the second subrogation information is the second user, and the credits recipient information is The third user, the credits state in the second subrogation information are assignment of credit notice;
Subrogation confirmation instruction and the second subrogation information based on first user, generate third subrogation Information, credits holder's information in the third subrogation information are the second user, the credits recipient information For the third user, the credits state in the third subrogation information is assignment of credit acknowledgement notification;
Credits based on the third user receive instruction and the third subrogation information, generate the 4th subrogation letter It ceases, credits holder's information in the 4th subrogation information is the second user, and the credits recipient information is The third user, the credits state in the 4th subrogation information are to pay credits holder;
Credits based on the second user receive confirmation instruction and the 4th subrogation information, generate the 5th subrogation Information, credits holder's information in the 5th subrogation information are the third user, the credits recipient information For null field, the credits state in the 5th subrogation information is that credits are established;
Credits out code and the 5th subrogation information based on the third user generate the 6th subrogation letter It ceases, credits holder's information in the 6th subrogation information is the third user, and the credits recipient information is Null field, the credits state in the 6th subrogation information are that credits are closed.
2. the method according to claim 1, wherein the method also includes:
Based on the credits odd numbers, credits key assignments is generated;
By the credits key assignments, the first subrogation information, the second subrogation information, the third subrogation Information, the 4th subrogation information, the 5th subrogation information and the 6th subrogation information are stored to area On the block chain of block catenary system.
3. according to the method described in claim 2, it is characterized in that, the method also includes:
The credits inquiry instruction of any user is received, the credits inquiry instruction carries the credits key assignments;
The credits key assignments is inquired from the block chain, determines at least one block;
The subrogation information stored in the highest block of block height at least one described block is sent to the user.
4. according to the method described in claim 2, it is characterized in that, subrogation information further includes NextState operation side;
When receiving any process instruction for carrying the credits key assignments, stored down according in the subrogation information One state operation side verifies the process instruction, when passed the verification, in response to the process instruction, executes the debt Weigh transinformation renewal process.
5. according to the method described in claim 2, it is characterized in that, subrogation information further includes operation serial number, the operation Serial number is used to identify the circulation number of the credits information.
6. according to the method described in claim 2, it is characterized in that, subrogation information further includes the business private key for operating user To the signature of the subrogation information.
7. a kind of credits data processing equipment, which is characterized in that described device includes:
Module is obtained, for obtaining credits data, the credits data include credits odd numbers and credits information, the credits letter Breath includes at least the first user as debt side, the second user and amount owed as beneficiary;
First generation module generates the first subrogation information, the first subrogation letter for being based on the credits information Credits holder's information in breath is the beneficiary, and credits recipient's information is null field, the first subrogation information In credits state be credits establish;
Second generation module, it is raw for subrogation instruction and the first subrogation information based on the second user At the second subrogation information, credits holder's information in the second subrogation information is the second user, described Credits recipient's information is the third user, and the credits state in the second subrogation information is assignment of credit notice;
Third generation module is believed for the subrogation confirmation instruction based on first user with second subrogation Breath generates third subrogation information, and credits holder's information in the third subrogation information is the second user, The credits recipient information is the third user, and the credits state in the third subrogation information is that the assignment of credit is true Recognize notice;
4th generation module receives instruction and the third subrogation information for the credits based on the third user, raw At the 4th subrogation information, credits holder's information in the 4th subrogation information is the second user, described Credits recipient's information is the third user, and the credits state in the 4th subrogation information is to pay credits to hold Side;
5th generation module receives confirmation instruction and the 4th subrogation letter for the credits based on the second user Breath generates the 5th subrogation information, and credits holder's information in the 5th subrogation information is the third user, The credits recipient information is null field, and the credits state in the 5th subrogation information is established for credits;
6th generation module, it is raw for credits out code and the 5th subrogation information based on the third user At the 6th subrogation information, credits holder's information in the 6th subrogation information is the third user, described Credits recipient's information is null field, and the credits state in the 6th subrogation information is credits closing.
8. device according to claim 7, which is characterized in that described device further include:
Key assignments generation module generates credits key assignments for being based on the credits odd numbers;
Memory module is used for the credits key assignments, the first subrogation information, the second subrogation information, institute Third subrogation information, the 4th subrogation information, the 5th subrogation information and the 6th credits are stated to turn Information is moved to store to the block chain of block catenary system.
9. device according to claim 8, which is characterized in that described device further include:
Receiving module, for receiving the credits inquiry instruction of any user, the credits inquiry instruction carries the credits key assignments;
Enquiry module determines at least one block for inquiring the credits key assignments from the block chain;
Sending module, for sending out the subrogation information stored in the highest block of block height at least one described block It send to the user.
10. device according to claim 8, which is characterized in that subrogation information further includes NextState operation side;
When receiving any process instruction for carrying the credits key assignments, stored down according in the subrogation information One state operation side verifies the process instruction, when passed the verification, in response to the process instruction, executes the debt Weigh transinformation renewal process.
11. device according to claim 8, which is characterized in that subrogation information further includes operation serial number, the operation Serial number is used to identify the circulation number of the credits information.
12. device according to claim 8, which is characterized in that subrogation information further includes operating the business private of user Signature of the key to the subrogation information.
13. a kind of computer equipment, which is characterized in that the computer equipment includes processor and memory, the memory In be stored at least one instruction, described instruction is loaded by the processor and is executed to realize as claim 1 to right is wanted Ask operation performed by 6 described in any item credits data processing methods.
14. a kind of computer readable storage medium, which is characterized in that be stored at least one instruction, institute in the storage medium Instruction is stated to be loaded by processor and executed to realize such as claim 1 to the described in any item credits data processings of claim 6 Operation performed by method.
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