CN110390588A - One kind borrowing or lending money method based on block chain stream of commerce - Google Patents
One kind borrowing or lending money method based on block chain stream of commerce Download PDFInfo
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- CN110390588A CN110390588A CN201810350587.7A CN201810350587A CN110390588A CN 110390588 A CN110390588 A CN 110390588A CN 201810350587 A CN201810350587 A CN 201810350587A CN 110390588 A CN110390588 A CN 110390588A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention discloses one kind to borrow or lend money method based on block chain stream of commerce, wherein includes: step 1, enterprise A initiates procurement request to enterprise B and is broadcast to the whole network；Step 2, enterprise B is received the order application, and Xiang Qiye A replys quotation information and is simultaneously broadcast to the whole network；Step 3, the node on network obtained the book keeping operation power of upper 1 hour by the calculating of cryptographic Hash；Step 4, enterprise A initiates loan application to the financial institution C for having loan qualification and broadcasts to the whole network；Step 5, financial institution C replys loan auditing result to enterprise A and broadcasts to the whole network；Step 6, enterprise A spends money to financial institution C initiation, and simultaneously the whole network is broadcasted for application；Step 7, financial institution C make loans to enterprise B and the whole network is broadcasted；Step 8, enterprise B is to enterprise A delivery and the whole network is broadcasted；Step 9, enterprise A, which replys enterprise B and receives, confirms simultaneously the whole network broadcast；Enterprise A refunds by agreement mode of repayment to financial institution C when loan expires, and simultaneously the whole network is broadcasted for simultaneously interest payment；Financial institution C is received after enterprise A refunds and is replied confirmation of refunding.
Description
Technical field
The present invention relates to block chain technical fields, especially a kind of to borrow or lend money method based on the trade of block chain.
Background technique
Enterprise is complicated as the verification of trade authenticity in the loan examination & approval of purposes using trade, with high costs.And existing trade
Easily financing needs the intervention of business factoring mechanism that accounts receivable can just be made to form debt-credit closed loop.
Summary of the invention
The purpose of the present invention is to provide one kind to borrow or lend money method based on block chain stream of commerce, for solving the above-mentioned prior art
The problem of.
It is of the invention a kind of based on block chain stream of commerce debt-credit method, wherein to include: step 1, enterprise A passes through private key and logs in
Block chain network initiates procurement request to enterprise B and is broadcast to the whole network；Step 2, enterprise B is received the order application, and Xiang Qiye A is returned
Multiple quotation information is simultaneously broadcast to the whole network；Step 3, the node on network obtained the note of upper 1 hour by the calculating of cryptographic Hash
Block chain is recorded in Transaction Information in 1 hour by account power, the node for calculating cryptographic Hash at first；Step 4, enterprise A is to having
The financial institution C of loan qualification initiates loan application and broadcasts to the whole network；Step 5, financial institution C by the public key of enterprise A with
And after the public key of enterprise B has verified Transaction Information, Xiang Qiye A replys loan auditing result and broadcasts to the whole network；Step 6, enterprise A
Spending money to financial institution C initiation, simultaneously the whole network is broadcasted for application；Step 7, financial institution C receive spend money application after confirmation in loan application
After in review scope, make loans to enterprise B and the whole network is broadcasted；Step 8, enterprise B receives make loans information after, Xiang Qiye A delivery
And the whole network is broadcasted；Step 9, after enterprise A receives cargo, reply enterprise B is received, and simultaneously the whole network is broadcasted for confirmation；Wherein, when loan expires
Enterprise A refunds by agreement mode of repayment to financial institution C and interest payment simultaneously the whole network broadcast；Financial institution C receives enterprise A refund
Confirmation of refunding is replied afterwards, and the whole network is broadcasted.
According to based on block chain stream of commerce debt-credit method an embodiment, wherein Xiang Qiye A reply quotation information be considered as
Primary transaction, Transaction Information include the amount of money and delivery period.
According to based on block chain stream of commerce debt-credit method an embodiment, wherein enterprise A by private key login block chain
Network initiates procurement request to enterprise B and is considered as primary transaction, and Transaction Information includes article model and quantity.
According to the embodiment based on block chain stream of commerce debt-credit method, wherein step 4, enterprise A is to there is loan qualification
Financial institution C initiate loan application and be considered as primary transaction, Transaction Information includes borrowing balance and purposes and broadcasts to the whole network.
According to the embodiment based on block chain stream of commerce debt-credit method, wherein financial institution C passes through the public affairs of enterprise A
After key and the public key of enterprise B have verified Transaction Information, Xiang Qiye A replys loan auditing result and is considered as primary transaction, transaction letter
The amount of money of the breath comprising agreeing to loan, interest rate and permission.
According to based on block chain stream of commerce debt-credit method an embodiment, wherein enterprise A to financial institution C initiate use
Money application is primary transaction, and Transaction Information includes the spend money amount of money and time and purposes.
According to based on block chain stream of commerce debt-credit method an embodiment, wherein enterprise B receives make loans information after, to
Enterprise A delivery is considered as primary transaction, and Transaction Information is order information and Shipping Information.
According to based on block chain stream of commerce debt-credit method an embodiment, wherein after enterprise A receives cargo, reply enterprise
Industry B confirmation of receiving is considered as primary transaction, and Transaction Information is order information, information of receiving.
According to the embodiment based on block chain stream of commerce debt-credit method, wherein loan when expiring enterprise A by agreement also
Money mode is refunded to financial institution C and interest payment is considered as primary transaction, and Transaction Information is refund information.
According to based on block chain stream of commerce debt-credit method an embodiment, wherein financial institution C receive enterprise A refund
Confirmation of refunding is replied afterwards and is considered as primary transaction, and Transaction Information is refund information.
The present invention the characteristics of going to center and go trust, realizes trade background by shared transaction record by block chain
It is genuine and believable.The efficiency of debt-credit is improved by the intermediate node that similar business factoring is omitted in point-to-point transaction.Pass through
Incentive mechanism is introduced, the distribution of node is encouraged to keep accounts.The history trade of borrowing enterprise is checked by public key, loan information solves
Debt and fraud problems altogether.
Detailed description of the invention
Fig. 1 show the schematic diagram based on block chain stream of commerce balance system；
Fig. 2 show the work flow diagram based on block chain stream of commerce debt-credit method.
Specific embodiment
It elaborates with reference to the accompanying drawing to hard disk running status provided by the invention monitoring system.
Fig. 1 show the schematic diagram based on block chain stream of commerce balance system, as shown in Figure 1, being based on block chain stream of commerce
Balance system includes: registration module 1, transaction modules 2, financing module 3, loan module 4 and enquiry module 5.
As shown in Figure 1, registration module 1 is used to complete the creation and certification of enterprise's account number, and it is close to distribute block chain network
Key.Transaction modules 2 are used to that (electric business website can be based on, can be based on off-line transaction) when trading and occurring, in block chain network
The middle record traded, and accounting nodes are determined by pow mechanism and complete to motivate.Module 3 of financing is used for based on friendship
Easily record initiates financing request.Loan module 4 is used to that financing application can be received based on financing request and trading right, and audits
It makes loans.It verifies module 5 to be used to carry out the retrieval of block chain network based on counterparty's public key, checks Transaction Information, shield sensitive information.
As shown in Figure 1, the block chain type based on block chain stream of commerce balance system is publicly-owned chain, block chain network is constituted
Include:
1, block chain network is logged in enterprise dominant, each main body has a pair of of public key and private key, in block chain network
Transaction.
2, the node of block chain network is divided into two types: enterprise, financial institution.Two kinds of nodes have inquiry and book keeping operation
Permission.
3, the record time of transaction is set as 1 hour.
4, all trade flows and debt-credit process are all used as Transaction Information to be broadcast to block chain network and are stored.
The present invention is based on block chain stream of commerce debt-credit methods to set incentive mechanism: the ordinary node for obtaining book keeping operation power can be with Shen
It please borrow money for 1 time, the financial node for obtaining book keeping operation power can make loans 1 time, and the book keeping operation that enterprise A has passed through history obtains application and borrows
The power of money.The book keeping operation that financial institution C has passed through history obtains the power made loans.
Fig. 2 show the work flow diagram based on block chain stream of commerce debt-credit method, as shown in Fig. 2, the present invention is based on blocks
Chain stream of commerce debt-credit method detailed process include:
Step 1, enterprise A logs in block chain network by private key, initiates procurement request to enterprise B and (is considered as primary transaction, hands over
Easy information inclusion product model, quantity) and it is broadcast to the whole network.
Step 2, enterprise B is received the order application, and Xiang Qiye A replys quotation information and (is considered as primary transaction, Transaction Information includes
The amount of money and delivery period) and it is broadcast to the whole network.
Step 3, the node on network (participates in the server owner of book keeping operation, may include by type in block chain network
Enterprise and financial institution) the book keeping operation power of upper 1 hour was obtained by the calculating of cryptographic Hash, the section of cryptographic Hash is calculated at first
O'clock block chain is recorded in the Transaction Information in 1 hour.
Step 4, enterprise A to have loan qualification financial institution C initiate loan application (be considered as primary transaction, Transaction Information
Include borrowing balance, purposes (the order application of enterprise A, the quotation of enterprise B)) and broadcasted to the whole network.
Step 5, after financial institution C has verified Transaction Information by the public key of enterprise A and the public key of enterprise B, Xiang Qiye A
Reply loan auditing result (being considered as primary transaction, Transaction Information includes the amount of money for agreeing to loan, interest rate and permission) and to complete
Net broadcast.
Step 6, enterprise A (is considered as primary transaction, Transaction Information includes the amount of money of spending money to financial institution C initiation apply of spending money
With time and purposes) and the whole network broadcast.
Step 7, financial institution C receive spend money application after confirmation in loan application review scope after, put to enterprise B
Money (being considered as primary transaction, Transaction Information is the amount of money of making loans, order information) and the whole network broadcast.
Step 8, enterprise B receives make loans information after, Xiang Qiye A delivery (is considered as primary transaction, Transaction Information is that order is believed
Breath, Shipping Information) and the whole network broadcast.
Step 9, it after enterprise A receives cargo, replys enterprise B confirmation of receiving and (is considered as primary transaction, Transaction Information is that order is believed
Breath, information of receiving) and the whole network broadcast.
Step 10, enterprise A refunds by agreement mode of repayment to financial institution C when loan expires and interest payment (is considered as one
Secondary transaction, Transaction Information are refund information) and the whole network broadcast.
Step 11, reply refund confirmation (is considered as primary transaction, Transaction Information is to go back after financial institution C receives enterprise A refund
Money information) simultaneously the whole network broadcast, the secondary loaning bill process finish.
Wherein, above-mentioned the whole network broadcast is the characteristic of block chain network, each transaction be all by the node on network with
Machine record, and other nodes on network is notified to carry out common book keeping operation, to reach the purpose of decentralization.
The present invention is based on block chain stream of commerce to borrow or lend money method, and the debt-credit of block chain technical application to B2B trade scene is taken
Business.Financial service ability can be quickly provided with the fast integrations such as existing e-commerce website.
The above is only a preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
For member, without departing from the technical principles of the invention, several improvement and deformations can also be made, these improvement and deformations
Also it should be regarded as protection scope of the present invention.
Claims (10)
1. one kind borrows or lends money method based on block chain stream of commerce characterized by comprising
Step 1, enterprise A logs in block chain network by private key, initiates procurement request to enterprise B and is broadcast to the whole network；
Step 2, enterprise B is received the order application, and Xiang Qiye A replys quotation information and is simultaneously broadcast to the whole network；
Step 3, the node on network obtained the book keeping operation power of upper 1 hour by the calculating of cryptographic Hash, calculated Kazakhstan at first
Block chain is recorded in Transaction Information in 1 hour by the node of uncommon value；
Step 4, enterprise A initiates loan application to the financial institution C for having loan qualification and broadcasts to the whole network；
Step 5, after financial institution C has verified Transaction Information by the public key of enterprise A and the public key of enterprise B, Xiang Qiye A is replied
Auditing result of providing a loan simultaneously is broadcasted to the whole network；
Step 6, enterprise A spends money to financial institution C initiation, and simultaneously the whole network is broadcasted for application；
Step 7, financial institution C receive spend money application after confirmation in loan application review scope after, made loans simultaneously to enterprise B
The whole network broadcast；
Step 8, enterprise B receives make loans information after, Xiang Qiye A delivery and the whole network broadcast；
Step 9, after enterprise A receives cargo, reply enterprise B is received, and simultaneously the whole network is broadcasted for confirmation；
Wherein, enterprise A refunds by agreement mode of repayment to financial institution C when loan expires, and simultaneously the whole network is broadcasted for simultaneously interest payment；Gold
Melt mechanism C and receive reply refund confirmation after enterprise A refunds, and the whole network is broadcasted.
2. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that Xiang Qiye A replys offer
Breath is considered as primary transaction, and Transaction Information includes the amount of money and delivery period.
3. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that enterprise A is logged in by private key
Block chain network initiates procurement request to enterprise B and is considered as primary transaction, and Transaction Information includes article model and quantity.
4. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that step 4, enterprise A is to there is loan
The financial institution C of money qualification initiates loan application and is considered as primary transaction, and Transaction Information includes borrowing balance and purposes and to complete
Net broadcast.
5. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that financial institution C passes through enterprise A
Public key and enterprise B public key verified Transaction Information after, Xiang Qiye A reply loan auditing result be considered as primary transaction, hand over
Easy information includes to agree to the amount of money, interest rate and the time limit of loan.
6. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that enterprise A is sent out to financial institution C
Application of spending money is acted as primary transaction, Transaction Information includes the spend money amount of money and time and purposes.
7. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that enterprise B receives information of making loans
Afterwards, Xiang Qiye A delivery is considered as primary transaction, and Transaction Information is order information and Shipping Information.
8. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that after enterprise A receives cargo, return
The confirmation of receiving of multiple enterprise B is considered as primary transaction, and Transaction Information is order information, information of receiving.
9. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that loan when expiring enterprise A by
Agreement mode of repayment is refunded to financial institution C and interest payment is considered as primary transaction, and Transaction Information is refund information.
10. borrowing or lending money method based on block chain stream of commerce as described in claim 1, which is characterized in that financial institution C receives enterprise
A replys confirmation of refunding and is considered as primary transaction after refunding, Transaction Information is refund information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810350587.7A CN110390588A (en) | 2018-04-18 | 2018-04-18 | One kind borrowing or lending money method based on block chain stream of commerce |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810350587.7A CN110390588A (en) | 2018-04-18 | 2018-04-18 | One kind borrowing or lending money method based on block chain stream of commerce |
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| CN110390588A true CN110390588A (en) | 2019-10-29 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810350587.7A Pending CN110390588A (en) | 2018-04-18 | 2018-04-18 | One kind borrowing or lending money method based on block chain stream of commerce |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110992162A (en) * | 2019-11-07 | 2020-04-10 | 支付宝(杭州)信息技术有限公司 | Resource processing method, device, equipment and system |
| CN112862587A (en) * | 2020-12-31 | 2021-05-28 | 石化盈科信息技术有限责任公司 | Block chain-based credit data processing method, block chain-based credit data processing device, computer and medium |
| CN112884564A (en) * | 2021-01-08 | 2021-06-01 | 四川新网银行股份有限公司 | Real-time debt sharing risk management and control system and method based on multi-party security calculation |
-
2018
- 2018-04-18 CN CN201810350587.7A patent/CN110390588A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110992162A (en) * | 2019-11-07 | 2020-04-10 | 支付宝(杭州)信息技术有限公司 | Resource processing method, device, equipment and system |
| CN112862587A (en) * | 2020-12-31 | 2021-05-28 | 石化盈科信息技术有限责任公司 | Block chain-based credit data processing method, block chain-based credit data processing device, computer and medium |
| CN112884564A (en) * | 2021-01-08 | 2021-06-01 | 四川新网银行股份有限公司 | Real-time debt sharing risk management and control system and method based on multi-party security calculation |
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| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20191029 |
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| WD01 | Invention patent application deemed withdrawn after publication |