CN110443701A - The logical card management method of one kind, supply chain financial system and electronic equipment - Google Patents
The logical card management method of one kind, supply chain financial system and electronic equipment Download PDFInfo
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Abstract
This application discloses the logical card management method of one kind, supply chain financial system and electronic equipments, wherein the logical card management method includes: the logical card situation for obtaining supplier's node from block chain network and being held;Wherein, lead to card and generated by the serving GPRS support node in block chain network based on accounts receivable of supplier's node to core enterprise's node;At least partly logical card held based on logical card situation selection supplier's node;With in block chain network financial institution's node or another supplier's node trade at least partly logical card.By the above-mentioned means, realizing mapping of the assets on block chain, transfer and fractionation convenient for assets improve the flexibility of assets circulation, ensure that the fund flow of medium-sized and small enterprises.
Description
Technical field
This application involves block chain technical field, more particularly to the logical card management method of one kind, supply chain financial system with
And electronic equipment.
Background technique
In supply chain finance, credits relationship, core enterprise can issue one if it exists between core enterprise and supplier
A papery certificate of indebtedness.For example, supplier can hold the papery certificate of indebtedness, and when the papery certificate of indebtedness expires, the paper
The corresponding core enterprise of the matter certificate of indebtedness needs to pay the fund in the papery certificate of indebtedness to the supplier.
Since supplier faces the pressure to lack of capital, it will usually carry out other transaction using the papery certificate of indebtedness.Example
Such as, purchased using the papery certificate of indebtedness in other down-stream enterprises, or using the papery certificate of indebtedness financial institution into
The business such as row mortgage, loan, financing, clearance.But due to the Asymmetry information etc. between enterprise and financial institution, so that the paper
The matter certificate of indebtedness lacks confidence level, so that small business is in the weak position of supply chain.
Summary of the invention
To solve the above problems, this application provides the logical card management method of one kind, supply chain financial system and electronics to set
It is standby, mapping of the assets on block chain is realized, transfer and fractionation convenient for assets improve the flexibility of assets circulation, protect
The fund flow of medium-sized and small enterprises is demonstrate,proved.
The technical solution that the application uses is: providing a kind of logical card management method, is applied to supply chain financial system
Block chain network in supplier's node, this method comprises: obtained from block chain network supplier's node held it is logical
Demonstrate,prove situation;Wherein, lead to card to answer core enterprise's node based on supplier's node by the serving GPRS support node in block chain network
Receipt on account money generates;At least partly logical card held based on logical card situation selection supplier's node;With the gold in block chain network
Melt agency node or another supplier's node to trade at least partly logical card.
Wherein, in block chain network financial institution's node or another supplier's node at least partly logical card is handed over
Easy step, comprising: generate transaction request;It is carried out based on transaction request with financial institution's node or another supplier's node corresponding
The transaction of logical card, wherein the record storage of logical card transaction is in block chain network.
Wherein, transaction request includes logical card financing request;Wherein, leading to card financing request indicates using at least partly logical card,
With the fund of the values such as financial institution node switching;With the financial institution's node or another supplier's node pair in block chain network
The step of at least partly logical card is traded, comprising: the financing request of logical card is sent to financial institution's node;Receive financial institution
The financing success message that node is sent, wherein financing success message indicates that the corresponding logical card of logical card financing request is traded successfully.
Wherein, transaction request includes that logical card repays request;Wherein, leading to card repayment request indicates to demonstrate,prove using at least partly logical,
Supplier's node is repaid to the debt of another supplier's node;With in block chain network financial institution's node or another supplier
The step of node trades at least partly logical card, comprising: logical card is repaid into request and is sent to another supplier's node;It receives
The repayment success message that another supplier's node is sent, wherein repayment success message indicates that logical card repays the corresponding logical card of request
It trades successfully.
Wherein, after the step of generating transaction request, further includes: obtained from block chain network matched with transaction request
Trade contract template;Based on the corresponding Transaction Information of trade contract template typing and signing messages, and in financial machine to be transacted
After structure node or another corresponding signing messages of supplier's node typing, electronic transaction contract is generated, and save to block link network
In network.
Wherein, in block chain network financial institution's node or another supplier's node at least partly logical card is handed over
After easy step, further includes: generate logical card clearance request;Wherein, logical card clearance request is cleared needed for including at least
The quantity of logical card;The clearance request of logical card is sent to core enterprise's node, so that the logical card clearance request of core enterprise's node verification
Afterwards, clearance instruction is sent to financial institution's node, wherein clearance instruction is for making financial institution's node by core enterprise's node account
Equipollent fund is demonstrate,proved with logical in family, the account of supplier's node is transferred to, and generate the log-off message of logical card, by logical card
Log-off message is saved into block chain network.
Wherein, lead to card and include the Jia Ge Ku relation information between logical card identification information, logical card and accounts receivable, core enterprise
Industry nodal information, logical card generate at least one of time, logical card expiration time.
Another technical solution that the application uses is: providing kind of a supply chain financial system, the supply chain financial system packet
Include at least one block chain network, block chain network includes serving GPRS support node interconnected, core enterprise's node, supplier
Node, financial institution's node and financial service node;Wherein, supplier's node is for executing such as above-mentioned method, to logical card
It is managed.
Wherein, financial institution's node is used for: generating logical card financing request;Wherein, leading to card financing request indicates using at least
The logical card in part, the fund with the values such as another financial institution's node switching in block chain network;Logical card is financed and requests to save
Into block chain network, so that the ownership of logical card is transferred to another financial institution's node by financial institution's node, and make another
Financial institution's node shifts and at least partly logical equipollent fund of card to the account of financial institution's node;Or supplier's node
For: material purchase information, production information, the sales information of product associated with the accounts receivable of logical card are saved to block
In chain network;Or financial service node is used for: the logistics information of product is saved into block chain network.
Another technical solution that the application uses is: providing a kind of electronic equipment, which is such as above-mentioned clothes
Supporting node of being engaged in or supplier's node.
Logical card management method provided by the present application includes: the logical card for obtaining supplier's node from block chain network and being held
Situation;Wherein, lead to and demonstrate,prove by the serving GPRS support node in block chain network based on supplier's node to the receivable of core enterprise's node
Funds on account generate;At least partly logical card held based on logical card situation selection supplier's node;With the finance in block chain network
Agency node or another supplier's node trade at least partly logical card.By the above-mentioned means, realizing assets in block
Mapping on chain, transfer and fractionation convenient for assets improve the flexibility of assets circulation, advantageously account for medium-sized and small enterprises' money
The problem of golden shortage, vitalizes assets accounts of the medium-sized and small enterprises in addition to fixed assets, especially accounts receivable.
Detailed description of the invention
In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, the drawings in the following description are only some examples of the present application, 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.Wherein:
Fig. 1 is the first structure diagram of supply chain financial system provided by the embodiments of the present application;
Fig. 2 is the first pass schematic diagram of logical card generation method provided by the embodiments of the present application;
Fig. 3 is the second procedure schematic diagram of logical card generation method provided by the embodiments of the present application;
Fig. 4 is the flow diagram of logical card management method provided by the embodiments of the present application;
Fig. 5 is the circulation schematic diagram of logical card provided by the embodiments of the present application;
Fig. 6 is financing by accounts receivable operation flow schematic diagram provided by the present application;
Fig. 7 is the second structural schematic diagram of supply chain financial system provided by the embodiments of the present application;
Fig. 8 is the configuration diagram of supply chain financial system provided by the embodiments of the present application;
Fig. 9 is the technical framework diagram of supply chain financial system provided by the embodiments of the present application;
Figure 10 is the structural schematic diagram of electronic equipment provided by the present application;
Figure 11 is the structural schematic diagram of computer storage medium provided by the present application.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description.It is understood that specific embodiment described herein is only used for explaining the application, rather than to the limit of the application
It is fixed.It also should be noted that illustrating only part relevant to the application for ease of description, in attached drawing and not all knot
Structure.Based on the embodiment in the application, obtained by those of ordinary skill in the art without making creative efforts
Every other embodiment, shall fall in the protection scope of this application.
Term " first ", " second " in the application etc. be for distinguishing different objects, rather than it is specific suitable for describing
Sequence.In addition, term " includes " and " having " and their any deformations, it is intended that cover and non-exclusive include.Such as comprising
The process, method, system, product or equipment of a series of steps or units are not limited to listed step or unit, and
It is optionally further comprising the step of not listing or unit, or optionally further comprising for these process, methods, product or equipment
Intrinsic other step or units.
Referenced herein " embodiment " is it is meant that a particular feature, structure, or characteristic described can wrap in conjunction with the embodiments
It is contained at least one embodiment of the application.Each position in the description occur the phrase might not each mean it is identical
Embodiment, nor the independent or alternative embodiment with other embodiments mutual exclusion.Those skilled in the art explicitly and
Implicitly understand, embodiment described herein can be combined with other embodiments.
Refering to fig. 1, Fig. 1 is the first structure diagram of supply chain financial system provided by the embodiments of the present application, the supply
It include serving GPRS support node 11 interconnected, core enterprise's node 12, supplier in the block chain network of chain financial system 10
Node 13, financial institution's node 14 and financial service node 15.
It is to be appreciated that there are four the participation main body of supply chain finance is main: using Large producers, manufacturer as representative
Industry faucet/core enterprise (is equivalent to core enterprise's node 12);Using business bank, factoring/again factoring quotient, trust company as generation
The fund supply end (being equivalent to financial institution's node 14) of table;It is made of multistage supplier, the retailer in supply chain medium and small
Micro- enterprise's (being equivalent to supplier's node 13);Using logistics company, Informatization Service quotient, financial technology company as the supply chain of representative
Financial services provider (is equivalent to financial service node 15).Wherein, core enterprise's node 12, supplier's node 13, financial machine
The quantity of structure node 14 and financial service node 15 can be multiple.
In general, the upstream and downstream Zhong little Wei enterprise in supply chain, usually labor-intensive enterprises, profit margin level is not
Height, their own capital accumulation scarce capacity, while core enterprise possesses very strong " right of speech ", can unilaterally delay cash branch
It pays, usually completes to trade in the form of the accounts receivable of 30 days or even 60 days account phases, lead between both sides that there are a degree of
Financing gap, medium-sized and small enterprises face the pressure to lack of capital, totteringly the stability of supply chain.
Supply chain finance refer to by supply chain core enterprise and relative upstream and downstream firms regard an entirety as,
It is to rely on core enterprise, premised on true trade, by way of self-liquidating trade financing, by by accounts receivable, pre-
The profession means closing cash flow such as the current assets such as money, fixed assets, stock of paying a bill Registration of Pledge, third-party monitoring or control object
Power, the comprehensive financial product provide supply chain upstream and downstream firms and service.Its final purpose is to solve main body in supply chain
Between how to finance and borrow or lend money efficiently at low cost, to promote respective industry market competitiveness.
What core enterprise and upstream and downstream medium-sized and small enterprises were formed by open account sales in current supply chain financial system answers receipt on account
Credit vouchers of the money as both parties' debtor-creditor relationship are deposited in the operating method of transfer or mortgage to factoring quotient having ready conditions
Much limiting to, for example, deal with/accounts receivable transfer needs to audit under factoring quotient's line before reaching an agreement, contract and financing stream
Journey is long, discount is complicated, cannot split, is high to the side's of dealing with credit request of this funds on account, assignment scope is small, factoring really weighs difficulty.
Referring to Fig.2, Fig. 2 is the first pass schematic diagram of logical card generation method provided by the embodiments of the present application, this method is answered
For serving GPRS support node 11, this method comprises:
Step 21: receiving the logical card that core enterprise's node in block chain network is sent and generate request;Wherein, lead to card to generate
Request includes at least supplier's node in block chain network to the accounts receivable of core enterprise's node.
Optionally, the accounts receivable can based on the debition between core enterprise's node 12 and supplier's node 13 come
It determines.For example, core enterprise has purchased a batch of goods in suppliers, 300,000 yuan are worth, agreement is paid the bill after 30 days, signs purchase
Contract, this 300,000 yuan are that supplier (is referred to as core enterprise and deals with to supplier to the accounts receivable of core enterprise
Funds on account).At this point, core enterprise can be matched according to 300,000 yuan of the accounts receivable come generating value it is a certain number of logical
Card.
In addition, it can also include between core enterprise's nodal information, logical card and accounts receivable in request that the logical card, which generates,
The expiration time of Jia Ge Ku relationship and logical card.
Wherein, the Jia Ge Ku relationship led between card and accounts receivable is mainly used for indicating that the logical card of 1 unit can be exchanged
The accounts receivable of how much RMB, the Jia Ge Ku relationship can be default, be also possible to customized by core enterprise's node
's.For example, the core enterprise defines: 1=0.01 yuan of accounts receivable of logical card.
In a specific embodiment, core enterprise's node 12 can pass through ERP (Enterprise Resource
Planning, Enterprise Resources Plan) system carries out the importing of the accounts payable of core enterprise, by the accounts payable of core enterprise
Accounts receivable as supplier.Wherein, ERP system carries out pipe for materials and equipment resources, financial resources, information resources between enterprise
Reason.For example, enterprise A needs to buy a batch of goods at enterprise B, then order and enterprise can be sent to enterprise B by ERP system
The electronic certificate of the accounts payable of industry A, enterprise B can notify that enterprise A, enterprise A can be in about timings after delivery by ERP system
Between remitted money by ERP system to enterprise B, to complete primary transaction.
Specifically, in the present embodiment, the data interaction of ERP system Yu supply chain financial system 10, core be can establish
Enterprise's node 12 imports the accounts payable of core enterprise's node 12 by the ERP system of client, by should paying a bill for core enterprise
Accounts receivable of the money as supplier, and it is sent to by ERP system the serving GPRS support node 11 in supply chain financial system 10.
Step 22: request being generated based on logical card, generates at least one the logical card for indicating accounts receivable;Wherein, lead to working as card
Preceding ownership issue is in core enterprise's node.
Logical card includes Jia Ge Ku relation information, the core enterprise's section between logical card identification information, logical card and accounts receivable
Point information, logical card generate at least one of time, logical card expiration time.
Wherein, which can be the coding of logical card.Optionally, the certain amount generated based on same accounts receivable
Logical card, there is the same number, during the negotiation of logical card, number of the logical card will not change.Also, each section
Point can also trace to the source to logical card by the coding of the logical card, and the relevant information of the logical card is obtained from block chain network.
For example, 1=0.01 yuan of accounts receivable of logical card, if core enterprise is 100,000 people to supplier's accounts payable
Coin or supplier possess the accounts receivable of 100,000 RMB of core enterprise, then generate 10,000,000 logical cards.
Optionally, in one embodiment, serving GPRS support node 11 obtains working as the bank line of core enterprise's node
Preceding residue amount;When logical card generates the accounts receivable in request and is less than or equal to the current residual amount of bank line,
Generate at least one the logical card for indicating accounts receivable.Wherein, bank line is by financial institution's section in block chain network
Point determination.
Specifically, core enterprise needs to obtain credit from bank (financial institution's node 14) and support, and the latter's meeting basis should
The information such as scale, management position, main business, the condition of assets of core enterprise are propped up to provide certain bank line
Support the circulating fund of core enterprise.Meanwhile the amount that core enterprise obtains passes through intelligent contract administration, with the not medium well of logical card
It is distributed at to supplier, is subtracted automatically using contract and buckle corresponding amount, the accrediting amount and its variation can be by block chain networks
Each node common recognition is shared.
For example, the bank line that obtains from bank C of enterprise A is 10,000,000 RMB, if enterprise A once with enterprise
Request generates the corresponding logical card of 1,000,000 RMB in the transaction of industry B, then since 1,000,000 within bank line, then
Serving GPRS support node 11 can then generate the logical card of corresponding 1,000,000 RMB.It, should meanwhile after the 1000000 logical end of certificate all clear is calculated
The bank line of enterprise A is reduced to 9,000,000 RMB.
Step 23: at least one logical card being saved into block chain network, so that core enterprise's node can be based on core
The credits relationship of supplier's node in enterprise's node and block chain network, gives the ownership transfer of logical card to supplier's node.
Block chain technology is a kind of novel distributed data method for organizing and operation mode.Its biggest characteristic is that: in going
The heart, this enables data to realize distributed collective's maintenance, and data operation, management, maintenance efficiency is greatly improved;Common recognition, section
It is based on a set of common recognition mechanism between point, safeguards entire block chain network jointly by competing to calculate, any node failure, remaining node
It remains to work normally.The block chain for carrying asymmetric encryption techniques simultaneously has high security, trackability, can effectively prevent number
It distorts according to leakage or illegally.
Specifically, serving GPRS support node 11 sends the storage request based on logical card, and broadcasts this in block chain network and deposit
Storage request to be weighed by the accounting nodes competition book keeping operation in block chain network, and obtains the accounting nodes of book keeping operation power by competition Lai real
Now to the storage of the logical card.It optionally, in one embodiment, can be by the node with core status in supply chain as note
Account node, for example, core enterprise's node 12 and financial institution's node 14 are accounting nodes, supplier's node 13 and financial service section
Point 15 is non-accounting nodes.
It is to be appreciated that supplier's node 13, after the ownership for getting the logical card, which can save in supplier
Negotiation is carried out between other nodes in point 13, financial institution's node 14, financial service node 15 or block chain network.
Logical card management method provided in this embodiment includes: the logical of core enterprise's node transmission in reception block chain network
Card generates request;Wherein, lead to card and generate request including at least supplier's node in block chain network to core enterprise's node
Accounts receivable;It is generated and is requested based on logical card, generate at least one the logical card for indicating accounts receivable;Wherein, lead to the current all of card
Power belongs to core enterprise's node;At least one logical card is saved into block chain network, so that core enterprise's node being capable of base
The credits relationship of supplier's node in core enterprise's node and block chain network, by the ownership transfer of logical card to supplier
Node.By the above-mentioned means, realizing mapping of the assets on block chain, transfer and fractionation convenient for assets improve assets
Logical flexibility, advantageously accounts for the problem of medium-sized and small enterprises lack of capital, and vitalizes medium-sized and small enterprises in addition to fixed assets
Assets accounts, especially accounts receivable.
It is the second procedure schematic diagram of logical card generation method provided by the embodiments of the present application refering to Fig. 3, Fig. 3, this method is answered
For core enterprise's node 12, this method comprises:
Step 31: the serving GPRS support node into block chain network sends logical card and generates request, so that serving GPRS support node
Generating request generation based on logical card indicates at least one logical card of accounts receivable, and at least one logical demonstrate,proves is saved to block link network
In network;Wherein, lead to supplier's node that card generation request includes at least in block chain network and receipt on account is answered to core enterprise's node
The current ownership of money, logical card belongs to core enterprise's node.
Step 32: the credits relationship based on supplier's node in core enterprise's node and block chain network, by logical card
Ownership transfer gives supplier's node.
The present embodiment is similar with the principle of above-described embodiment, and which is not described herein again.
It is the flow diagram of logical card management method provided by the embodiments of the present application refering to Fig. 4, Fig. 4, this method is applied to
Supplier's node 13, this method comprises:
Step 41: the logical card situation that supplier's node is held is obtained from block chain network;Wherein, lead to card by block chain
Serving GPRS support node in network is generated based on accounts receivable of supplier's node to core enterprise's node.
Wherein, which can specifically include the quantity for the logical card that supplier's node is held.Example
Such as, the logical card which is held includes: 1000 logical card (5000 of number a), core enterprise B of core enterprise A
A logical card (number b)
Step 42: at least partly logical card held based on logical card situation selection supplier's node.
Optionally, supplier's node 13 can be split according to the next required amount of transaction.Example
Such as, supplier's node 13 holds 1,000,000 logical cards, and it is 100,000 that card is led to required for next transaction, it is possible to from
100,000 logical cards are split out in 1000000 logical cards for next transaction.
Step 43: in block chain network financial institution's node or another supplier's node at least partly logical card is carried out
Transaction.
Optionally, step 43 can specifically include: generate transaction request;Based on transaction request and financial institution's node or separately
One supplier's node carries out corresponding logical card transaction, wherein the record storage of logical card transaction is in block chain network.
Illustrate transaction of the supplier's node 13 to logical card below by financing, debt repayment, three aspect of clearance.
1) it finances:
Supplier's node generates logical card financing request;Wherein, leading to card financing request indicates using at least partly logical card, with gold
Melt the fund of the values such as agency node exchange;The financing request of logical card is sent to financial institution's node;Receive financial institution's node
The financing success message of transmission, wherein financing success message indicates that the corresponding logical card of logical card financing request is traded successfully.
For example, supplier A holds 100,000,000 logical cards by taking the accounts receivable of 1 logical=0.01 yuan of card as an example, supply
It answers quotient A to finance to factoring quotient B, generates financing agreement, the relevant information of supplier A typing on contract, including logical card and turn
It allows people, logical card assignee, transfer to lead to demonstrate,prove quantity, transfer the possession of purpose (financing) etc..Then both sides sign electronically, affix one's seal, and will
Contract is saved into block chain network.After financing successfully, factoring quotient B can to 1,000,000 RMB of account transfer of supplier A,
And the ownership of this 100,000,000 logical cards transfers factoring quotient B by supplier A.
Further, the logical card held and factoring quotient C can also be carried out factoring again by factoring quotient B.Specifically, factoring quotient B to
Factoring quotient C carries out factoring again, generates factoring contract, the relevant information of factoring quotient B typing on contract, including logical card assignor,
Logical card assignee transfers the possession of and leads to card quantity, transfers the possession of purpose (factoring) etc..Then both sides sign electronically, affix one's seal, and contract is protected
It deposits into block chain network.After factoring success, factoring quotient C can be to 1,000,000 RMB of account transfer of supplier B, and is somebody's turn to do
The ownership of 100000000 logical cards transfers factoring quotient C by supplier B.
2) it repays:
It generates logical card and repays request;Wherein, lead to card and repay request expression using at least partly logical card, repay supplier's node
To the debt of another supplier's node;The financing request of logical card is sent to financial institution's node;Financial institution's node is received to send
Financing success message, wherein financing success message indicates that the corresponding logical card of logical card financing request is traded successfully.
For example, it is 100,000 people that supplier A, which owes supplier B payment for goods, by taking the accounts receivable of 1 logical=0.01 yuan of card as an example
People's coin can use logical card and repaid if supplier A holds 10,000,000 logical cards.Specifically, supplier A to supplier B into
Row is repaid, and generates repayment contract, the relevant information of supplier A typing on contract, including logical card assignor, logical card assignee,
Transfer the possession of logical card quantity, transfer the possession of purpose (repayment) etc..Then both sides sign electronically, affix one's seal, and contract is saved to block chain
In network.After repaying successfully, the ownership of this 10,000,000 logical cards transfers supplier B by supplier A.
Further, supplier B is after the ownership for getting logical card, can also be financed with financial institution node 13,
The logical card transaction such as factoring, which is not described herein again.
3) it clears:
Generate logical card clearance request;Wherein, lead to the quantity that card clearance request includes at least the required logical card cleared;It will
Logical card clearance request is sent to core enterprise's node, so that after the logical card clearance request of core enterprise's node verification, to financial institution
Node sends clearance instruction, wherein clearance instruction is for making financial institution's node by core enterprise's node account and logical card valence
It is worth equal fund, is transferred to the account of supplier's node, and generate the log-off message of logical card, the log-off message of logical card is saved
Into block chain network.
For example, supplier A holds 10,000,000 logical cards (generating based on accounts receivable of the supplier A to core enterprise B), In
After the logical card expires, send logical card clearance request to core enterprise B, after core enterprise B is verified, core enterprise B to
The corresponding bank C of core enterprise B sends clearance instruction.Bank C, will be in core enterprise's B account after receiving clearance instruction
100,000 yuans, transfer accounts into the account of the supplier A.After completion of transferring accounts, bank C generates logical card log-off message,
And it saves into block chain.
In supply chain finance, core enterprise is because selling cargo on credit to supplier, and leading to both sides, there are debtor-creditor relationship.Core
There is accounts payable in heart enterprise as debtor, to supplier, meanwhile, supplier answers receipt on account as creditor, to core enterprise
Money.
Since supplier faces the pressure to lack of capital, it will usually carry out financing or payment of a debt activity using the accounts receivable.
For example, accounts receivable transfer or mortgage that supplier can be held carry out the business such as factoring financing, finance to financial institution
Mechanism circulates necessary funds to supplier.But due to the medium-sized and small enterprises such as core enterprise, supplier, financial institution etc. in supply chain
There are information asymmetry between multi-party, lead to the assets shortcoming confidence level such as accounts receivable, and time-consuming, at high cost for its verification, makes
It obtains medium-sized and small enterprises and usually sinks into expensive, financing difficulties predicaments of financing.
In view of the above-mentioned problems, the embodiment of the present application realizes that the financing to accounts receivable, payment of a debt etc. are traded using logical card, and
By the relationship trading record storage of the logical card in block amount, to guarantee the safety of the process of exchange.Below with reference to Fig. 5, Fig. 5
It is the circulation schematic diagram of logical card provided by the embodiments of the present application, above-described embodiment is illustrated by a detailed example:
1) core enterprise's (node) sends order for goods to Tier One supplier (node) by ERP system, and passes through ERP system
System is by core enterprise to accounts payable (i.e. accounts receivable of the Tier One supplier to core enterprise) (100,000 people of the Tier One supplier
People's coin) it imports in supply chain financial system;
2) service support side (node) generates 10,000,000 logical card (1 unit=0.01 yuan of people of logical card according to the accounts receivable
People's coin);
3) this 10,000,000 logical cards are issued to Tier One supplier by core enterprise;
4) Tier One supplier splits 10,000,000 logical cards, and at least partly logical card therein is transferred N grades of supplies
Quotient, with the business such as circulated, paid one's debts;
For example, 200,000 therein logical cards are transferred N grades of suppliers, to repay the Tier One supplier by Tier One supplier
To 2000 yuan of debts of the N grades of supplier.
5) this 200,000 logical cards can be transferred financial institution by N grades of suppliers, with based on the logical card with financial institution into
Row financing;
For example, 200,000 logical cards are transferred financial institution by N grades of suppliers, to obtain 2000 yuan of financing.
6) Tier One supplier splits 10,000,000 logical cards, and at least partly logical card therein is transferred financial machine
Structure, to be financed based on the logical card with financial institution;In addition, supplier can also buy back the logical card in financial institution;
For example, 500,000 therein logical cards are transferred financial institution by Tier One supplier, to obtain 5000 yuan of financing.
7) logical card can be transferred other financial institutions (factoring quotient again) by financial institution, with golden with other based on the logical card
Melt mechanism to finance;In addition, financial institution can also buy back the logical card in other financial institutions;
For example, this 500,000 logical cards are transferred factoring quotient again by financial institution, to obtain 5000 yuan of financing.
8) Tier One supplier can hold remaining 300,000 logical cards;
9) when logical card expires, all logical card holders can clear with core enterprise, so that core enterprise
Notify the relevant corresponding fund of bank paying;
For example, N grades of suppliers can clear hold 200,000 logical cards with core enterprise, so that core enterprise is logical
Know that bank transfers accounts 2000 yuans under core enterprise's account to the account of N grades of suppliers.
For example, financial institution or again factoring quotient can clear hold 500,000 logical cards with core enterprise, so that
Transmitting bank, core enterprise transfers accounts to financial institution by 5000 yuans under core enterprise's account or the account of factoring quotient again.
For example, Tier One supplier can clear hold 300,000 logical cards with core enterprise, so that core enterprise
Transmitting bank transfers accounts 3000 yuans under core enterprise's account to the account of Tier One supplier.
10) core enterprise nullifies the logical card by financial institution's node.
By the above-mentioned means, after accounts receivable is carried out logical cardization, have it is following the utility model has the advantages that
1) change on assets line
It converts accounts receivable of the supplier to core enterprise on the line on block chain and leads to card, the logical card on any line
Holder can have ready conditions at any time transfers bank or factoring quotient financing, or payment payment for goods, or carries out clearance with core enterprise and obtain
The fund of obtaining.
2) power-assisted core enterprise credit multistage, across grade conduction
Accounts receivable on chain can arbitrarily be split into more batches of a certain number of logical cards by Tier One supplier, to pay oneself
Supplier, this is analogized, progressive, eventually become help the realization credit of core enterprise it is multistage in supply chain residue, across
The tool of grade circulation.
3) digital credits mobility is promoted
After accounts receivable digitlization, on chain in the form of logical card, it can arbitrarily split, circulate, realize point-to-point factoring financing,
Further promote the mobility of digital credits.
In addition, when carrying out above-mentioned operation flow, it, can be by block chain network pairing if signing associated electrical contract
Identity with signatory is verified, and reliable digital certificate and electronic signature are provided;After contract signature finishes, Ke Yitong
It crosses block chain network to carry out filing to the process of the electronic signature of user, treaty content and signature and deposit card, and then has cured
Judicial evidence is done in its legal effect, the factoring dispute may to occur in the future.
It is worth noting that, electronic contract is to carry out contract template by intelligent contract to write, then reach an agreement by both party,
The essences of a contract such as how much lead to card, due date, and whether buy back including shifting, once simultaneously cochain is completed in contract signature deposits card,
System will carry out the logical card transfer of code pressureization, the final transfer for realizing digital credits, electronic contract tool according to treaty content
It is as follows that body signs process.
Firstly for signature both sides, the present embodiment meets the authentication of national Electronic Signature Law and relevant laws and regulations, so
After provide digital certificate issued by CA (Certificate Authority, certification authority agent) mechanism, finally according to client's need
The a variety of electronic contracts signature modes, including public cloud of providing are provided, API (Application Programming Interface,
Application programming interface), the modes such as private clound are completed to sign on line, and system extracts label using One-way encryption algorithm after signature
The digital finger-print (cryptographic Hash) of electronic contract is affixed one's name to, every portion contract possesses a unique cryptographic Hash, by cryptographic Hash storage to area
In block chain network, the node in block chain network can synchronize storage, realize the solidification of electronic evidence law, meanwhile, system provides phase
The contract examination interface answered will be unable to obtain being stored on block chain by original Encryption Algorithm if contract is tampered
Cryptographic Hash, this guarantees the verifyings that contract can not be distorted, and realize the compliance circulation of logical card.
Each node can complete folk prescription by this system and disposably deposit card, can also be encrypted and be exchanged by Point-to-Point Data
Mode carry out data trade, i.e., only allow both parties decrypt consult.
Optionally, in another embodiment, supplier's node 13 is used for product associated with the accounts receivable of logical card
Material purchase information, production information, sales information save into block chain network;Financial service node 15 can be logistics provider
Node, for saving the logistics information of product into block chain network.
It by taking supply chain finance as an example, can be purchased with block chain network recording materials, processing transport is entire to terminal sale
Link, and on block chain trace cargo production process, the details such as logistics route, be truly realized cash flow, commodity-circulate, logistics,
Four stream unifications of information flow.
In addition, the digital credits systematic management system of supply chain finance can be constructed based on the block chain network of the present embodiment,
After cargo logistics information cochain, thus it is ensured that credit and data loglstics enterprise, core enterprise, factoring quotient, interbank it is effective
Transmitting promotes the confirmation and circulation clearing of accounts receivable, optimization financing operation flow.
In addition, material flow tracking can take precautions against the former material that the good and bad jumbled together in supply chain by block chain technology in combination with Internet of Things technology
Material supply.In general, object can be connect with internet by sensing equipments such as RFID, infrared inductor, laser scanners,
Realize Weigh sensor, positioning, monitoring and the management of object.
For the example of automobile production, since spare and accessory parts buying, RFID electronic label is stamped to spare and accessory parts, is made
For the unique identification of the spare and accessory parts, while spare and accessory parts buying is recorded from which supplier, quality testing information etc..In automobile group
Link is filled, by the information such as core enterprise, composing room, production line, responsible person, timestamp together typing.It is detailed automobile will to be had recorded
RFID electronic label/two dimensional code of thin information is stamped on assembled automobile, while guaranteeing to accomplish one yard of a vehicle, while this is electric
The mark data of subtab RFID generates unique data fingerprint, and collects in block chain network.In logistics links, addition
The relevant informations such as warehouse, haulage vehicle, vehicle configuration and appearance regenerate data fingerprint, simultaneously to logistics system database
Typing block chain network.Enterprise all can inquire chasing after for the entire automobile historical data according to electronic tag/two dimensional code in supply chain
It traces back.
It is alternatively possible to determine granting or the clearance of logical card according to the logistics information of cargo.For example, enterprise A and enterprise
Industry B signs purchase contract, wherein being about scheduled on enterprise B in cargo outbound and when being transported to harbour C, enterprise A is just logical to enterprise B granting
Card.So, logistics provider can track the logistics information of cargo in real time, and by logistics information cochain.When goods handling to harbour C
When, by the ownership transfer of logical card to enterprise B.Furthermore it is also possible to lead to card just when being about scheduled on cargo arrival enterprise A in contract
It can be carried out clearance.
For the present embodiment, due to goods information cochain, it can guarantee when being paid with " logical card " to cargo, avoid
There is the problem of " money arrival does not arrive, payment for goods does not reach item ", can preferably solve the problems, such as that financing difficulties, financing are expensive, reduce financing wind
Danger.
In conjunction with the above embodiments, the supply chain financial system provided by the present application based on block chain includes following functions mould
Block:
(1) receivable management
After accounts receivable of the supplier to core enterprise is directed into supply chain financial system by core enterprise as requested, use
Lead to card in subsequent generate according to the amount of money of generated accounts receivable, Expiration Date for foundation.The module include accounts receivable import,
Accounts receivable maintenance and accounts receivable query function, so that user be facilitated to carry out additions and deletions to accounts receivable and subtract the operation such as to look into.
(2) lead to card management
Service support side can generate according to the accounts receivable imported and lead to card accordingly, and be distributed by core enterprise
Extremely corresponding Tier One supplier, while can also generate and distribute according to real trade situation manual input operation.The module packet
It is generated containing logical card and logical card provides function.
(3) financing by accounts receivable
As shown in fig. 6, Fig. 6 is financing by accounts receivable operation flow schematic diagram provided by the present application.
This module is mainly used for supplier's initiation factoring financing process and factoring quotient makes sound to the financing application received
It answers.In the present embodiment, financing by accounts receivable method is divided into three kinds: " one-to-one ", " one-to-many " and " multi-to-multi ".
" 1. one-to-one ", i.e., point-to-point financing
Supplier can directly select only one or more specific factoring quotient in current block chain network carry out factorings financing with
Phase realizes financing business, the financing object difference taken the lead of view and difference, when core enterprise is the chain side of taking the lead, finances pair
As for only one or more specific factoring quotient on chain;When factoring quotient is the side of taking the lead, financing object is that only one or more are specific on chain
Factoring quotient;When factoring quotient is as the side of taking the lead again, financing object is then only one or more specific factoring quotient again on chain.It finances in factoring
In process of exchange, supplier sends factoring financing application to selected factoring quotient, and both sides are based on passing long-term cooperative relationship or in advance
Reach the elements such as finance rate common recognition, it can quickly " factoring contract " signature and logical card transfer.
2. " one-to-many ", i.e. invitation to bid are financed
Supplier Xiang Duojia factoring quotient by way of bid issues bid invitation, and the bid submitted each factoring side
Financing business is unfolded in the factoring side that alternative condition is most suitable for (such as interest is lower) in book, and then facilitates supplier's reduction
Finance costs;Factoring quotient may accept or deny the factoring financing application issued from supplier;Carrying out bid financing business mistake
Cheng Zhong, both parties by correlation function carry out the drafting of Invitation to Bid, the accepting of Invitation to Bid, the drafting of tender document,
The operation such as tender document assessment of bids.
" 3. multi-to-multi ", i.e. intelligence financing
Supplier and factoring quotient send out the information such as the capital quantity of respective finance rate and needs by block chain to the whole network
Cloth completes financing transaction according to the financing transaction rule Auto-matching in market financing initiator and recipient.
(4) lead to card to pay one's debts
This module is mainly used for the logical card payment flow of supplier's initiation and the payment application received is done by upstream supplier
It responds out.The negotiated logical card payment that can initiate to offset the credits of its upstream supplier property of supplier, leads to card payment master
It is divided into and completes to upstream supplier's extinguishment of debt with the assignment of credit and current new business transaction is substituted with the assignment of credit show
Gold payment two major classes.During logical card payment transaction, supplier sends demand note, upstream to the upstream supplier that need to be paid
Supplier carries out the demand note received examination & approval is submitted to determine receiving, refuse an application or change payment to application.
(5) lead to card repurchase
This module buys back money for handling repurchase Expiration Date, execution that both parties are bought back by correlation function
The operations such as payment, the confirmation for having withdrawn purchase money.When being financed using logical card, repurchase operation can be supported.Financing repurchase is transaction
Both sides are circulated with the short-term capital that logical card (that is: accounts receivable of the Tier One supplier for core enterprise) is carried out by pledge of rights
Business.In financing transaction, the seller (repurchase side) is while financing logical card pledge to buyer (reverse back purchaser), both sides
About be scheduled on a certain date in the future is bought back with the price and quantity arranged in advance from buyer (reverse back purchaser) by the seller (repurchase side) again
Logical card of the same race returns the trading activity of the logical card of former pledge from buyer to the seller, suitable for the short-term capital demand of the seller, reduce because
For the financing time limit it is too long caused by unnecessary interest expense expenditure.
(6) active credit is financed
Due in alliance's chain, supplier holds how much information such as standing with account phase, the even enterprise of logical card quantity
Restricted disclosure can be authorized to, the factoring Shang Deng financial institution on chain can real time inspection held on hand to suppliers at different levels it is logical
Situation is demonstrate,proved, can therefrom select the supplier that endorsement is strong, interest rate is high as fund provider, " financing intention letter " is filled in and sends
To supplier, realize to marketing on the active credit of suppliers at different levels on chain and line.
(7) lead to card to nullify
After logical card expires, final holder can require to cash clearing to core enterprise;And for undue logical card, it holds
Someone can also negotiate be cashed sorting in advance with core enterprise, once cashed, the logical cards of respective numbers will in systems by
It nullifies, it is subsequent to be circulated again in systems.
(8) it contracts on line
Real name authentication, business transaction are carried out to cochain main body by electronic third-party authentication service mechanism (ca authentication)
(including logical card transfer, factoring contract are signed in many ways) can be to complete on all on-line.By digital signature, Electronic Signature, come true
It protects business transaction, the integrality of electronics factoring contract and non repudiation and papery contract has same legal effect.
(9) query analysis
This module mainly includes logical card volume of holding inquiry and logical card schedule of transfer query function.
Logical card volume of holding inquiry: user can be by " logical card number " or " logical card number+logical card source mode+logical card source
The logical card quantity that service numbers+logical card source unit " dimension inquiry business main body is held, and can check that corresponding logical card outbound accounts for
With quantity, logical demonstrate,prove out storage detailed account and penetrate relevant business paper, electronic contract.
Logical card schedule of transfer inquiry: the query function of the logical card schedule of transfer of offer can penetrate and open schedule of transfer, transfer the possession of clearly
The source documents of list, the corresponding electronic contract information of schedule of transfer.
It is the second structural schematic diagram of supply chain financial system provided by the embodiments of the present application, the supply refering to Fig. 7, Fig. 7
Chain financial system 70 includes at least the first block chain network 71 and the second block chain network 72, wherein the first block chain network 71
Including serving GPRS support node 711 interconnected, core enterprise's node 712, supplier's node 713, financial institution's node 714 with
And financial service node 715.
Wherein, at least partly node in a block chain network can as the node in another block chain network, and
At least partly transaction of the node in two block chain networks is mutually isolated.
It include supplier A1, supplier A2, bank A3 in the first block chain network of foundation for example, core enterprise A takes the lead;
Core enterprise B take the lead foundation the second block chain network in include supplier A1, supplier B1, supplier B2, bank A3.
Wherein, supplier A1 and bank A3 is as the node in two block chain networks, but supplier A1 and bank A3
Transaction in two block chain networks is mutually isolated.For example, the logical card a that core enterprise A is generated can only be in the first block link network
It circulated, financed, repaid, cleared in network;The logical card b that core enterprise B is generated can only be carried out in the second block chain network
Circulation, financing, repayment, clearance etc..
In some block chain network, unit of taking the lead is responsible for other users (as supplied by the information exchange with third party CA
Answer quotient) authentication and access.For authenticating successful user, the public key and private key of this block chain network are distributed, and be added
Allow user list.The asymmetric encryption of block chain can not only guarantee that fund is received by a certain specific user by private key,
Funds source can be verified by public key.When two service nodes connect, it is necessary first to " be held by the completion of public key sign test
Hand ", confirmation other side is in allowing user list, then carries out the finance activities of next step.Specific public key sign test process is as follows:
1) both sides' node is identified in allowing user list is shown as public address;
2) whether both sides' node verification partner address is on its permission user list;
3) both sides' node sends challenge message to another party;
4) both sides' node sends back to the public key signature of challenge message, it was demonstrated that they are to all of private key corresponding to public address
Power.
5) if any node is dissatisfied to result, the connection is terminated.
In the creation of block chain network, allowing the side of taking the lead (such as core enterprise or financial institution) to be arranged in configuration file should
The parameter of block chain network, including block chain agreement, go out block time, block size, movable permission type, common recognition difficulty, point
To the port IP of connection and JSONRPC API, the type for allowing to trade, the every time maximum metadata traded.Multiple blocks
Chain network can be in active state on a single server, and each block chain network has the title and configuration file of oneself.
New block chain network is created, two steps are needed: firstly, the title of the side's of taking the lead input chain, creation include default setting
Configuration file, user can modify this file;Then, the side of taking the lead starts block chain, and is endowed all user rights.The area Chuan Shi
Block loads automatically, saves the cryptographic Hash of all block chain parameters in configuration file, to prevent subsequent unexpected change.
When starting for the first time, block chain is only run on a single node.Add new node, it is desirable to provide three parameters: mesh
Mark block chain title, the port IP of target block chain, existing node IP address;Later, it includes new node address that system, which generates,
Information and sending give the side of taking the lead;The side of taking the lead verifies new node identity, is assigned by creation simple command to the address after success
Permission is connected, access block chain is granted;Finally, new node downloads the configuration file of this block chain network automatically, it is successfully connected.
Multichain solves data-privacy, efficiency and the safety issue of alliance's chain by the division of user right, mainly has
Beneficial effect is:
1) ensure the activity in some block chain network only to selected participant as it can be seen that ensureing the movable secrecy of finance
Property;
2) early warning mechanism is introduced, abnormal transaction is controlled;
3) common recognition mechanism is different from public chain, due to having carried out the division in different channels to multichain, the problem related to scale
It is readily solved, common recognition efficiency is improved;
4) it is used as a closed system, some block chain network only includes the interested transaction of participant (logical card circulation),
Avoiding block chain as time goes by becomes more and more huger, includes more and more redundancies.
It is the configuration diagram of supply chain financial system provided by the embodiments of the present application, supply chain gold refering to Fig. 8, Fig. 8
Melt system 80 to divide for data resource layer 81, service of goods layer 82, products application layer 83 and load balancing layer 84.
Data resource layer 81: application data store mainly includes relevant database, non-relational database, caching clothes
Business, block chain distribution account book;Wherein database mainly stores the not uplink data such as electronic contract, master data;Non-relational number
The unstructured datas such as contract text, log are mainly stored according to library;Buffer service improves system access efficiency;Block chain account book mentions
It is stored for safe and reliable data, such as digital credits (i.e. accounts receivable) split circulation, contract execution.
Service of goods layer 82: product presses micro services, and different services of goods is divided into according to business scenario, mainly includes door
Family service, 4A service, electronic contract service, logical card service, block chain service etc.;Service can be disposed independently, and middle part can also be collected
Administration.Service of goods provides SAAS service ability;Support is provided for building different product application.
Products application layer 83: constructing operation system according to different business division roles, mainly includes core enterprise, factoring
Quotient, supplier, service support method, system;Business division in network can be managed dynamically.
Load balancing layer 84: each operation system support is extending transversely, and load balancing layer provides unified access service, guarantee clothes
The high availability of business.
It is the technical framework diagram of supply chain financial system provided by the embodiments of the present application, the supply refering to Fig. 9, Fig. 9
The Technical Architecture of chain financial system 90 is divided into basal layer 91, podium level 92, application layer 93 and represent layer 94, in which:
Basal layer 91: infrastructure services layer can provide multiple choices, physical machine, virtualization resource, container, cloud;
Podium level 92: podium level includes basic application platform and block chain service platform.Basic application platform is based on Java
EE/Spring mainstream technology mainly includes Spring Framework, Spring Data, Spring cloud, Spring
Boot etc..It is flat that unified buffer service, messaging service, Scheduling Framework, transaction management, security service etc. constitute base application
Platform.The platform bases such as flexible expansion ability, high availability, safety height are provided for products application.Block chain service platform uses
Alliance's chain technology, provide the network communication of block chain bottom, storage, secret protection, common recognition mechanism, rights management, contract engine,
The core components such as multichain provide base layer support for products application, at the same with basic application platform depth integration, guarantee the system of platform
One property.Meanwhile service platform also provides block chain browser, cloud management service and strategy and services with configuration.
Application layer 93: application layer relies on podium level ability, according to business scenario, micro services, SOA design concept, is abstracted not
Same serviced component, main includes logical card service, electronic contract micro services, portal service etc.;
Represent layer 94: represent layer uses jQoery, BootStrap, requireJS, Angular, QUnit technology of mainstream
Frame realizes that front end shows.
In addition, the application also provides a kind of micro services deployment framework.
In order to meet flexibility, the data independence demand of each main body of supply chain finance, this patent uses micro services
Framework allows system to have scalability and high availability.Accounts receivable flow system is split into multiple modules by this patent, each
Module is absorbed in the business of a certain main body of supply chain finance, provides personalized service to it, allows it can be with independent compilation and deployment.
The micro services network architecture of this system, wherein
Service support side i.e. platform operation unit, including identity authority management, electronic contract management, the creation of intelligent contract and
The business modules such as configuration, running state monitoring, toll administration, information centre;
Core enterprise user include receivable management, logical card generate with provide, logical card is nullified, logical card inquiry and retrospect,
The business modules such as electronic contract, account management;
Supplier user include that logical card is collected, logical card is transferred the possession of, logical card financing, logical card repurchase, cancellations that expire, logical card are inquired and
The business modules such as retrospect, electronic contract, account management;
Factoring commercialization family include logical card is collected, logical card is transferred the possession of, logical card financing, logical card repurchase, the cancellation that expires, active credit,
Direct financing response, financing bid should mark, lead to the business modules such as card inquiry and retrospect, electronic contract, account management.
The functional module of each main body is packaged as respective application service, and each micro services have corresponding separate traffic data
Word bank, each service operation only focus on single business function in independent process.Lightweight is used between service and service
Communication mechanism communicate with each other, coordination with one another, data are written to block chain network by synchronous book keeping operation in each main body, to combine
At a complete system.Since the degree of coupling is very low between the module of fractionation, coverage is limited only to this when a problem occurs
Module itself, and other main bodys in system are unaffected, whole system can still run well.
The groundwork process of micro services are as follows:
(1) client initiates call request;
(2) server-side will be issued by network after the content array of calling;
(3) server-side, which receives, employs request, executes specific service and obtains result;
(4) client is returned to by network after serializing result.
This patent uses micro services application framework of the Spring Cloud as this system.Spring Cloud provides one
Series of tools can provide template property configuration with the common component in fast construction distributed system for all kinds of services.Pass through
The Zuul component of Spring Cloud Netflix realizes gateway, unified to provide REST API to external system;Ribbon is real
The consumption and equally loaded now serviced;Eureka realizes service register center and service register and discovery;Spring
Cloud Config realizes the multi-environment externalizing configuration and version management of application;Hystrix's melts off line system to avoid
Caused failure sprawling when individual service occurs abnormal in micro services framework.
The deployment of system includes four block chain network, application service, service support and CA authentication parts, in which:
Block chain network: unification block chain service is provided, main includes logical card circulation information.Core enterprise, guarantor in network
Reason quotient, supplier's node are presented as that character representation, accounting nodes do not represent specific participant.Node of knowing together supports cluster portion
Administration, accounting nodes support dynamic to increase.External service unified block of uniting is linked into service and carries out system interaction.
Application service: service is main to provide core application service, and cooperate common completion system operation with block chain network.It answers
It is disposed on WebLogic middleware with service, database is using two kinds of numbers of relational data (such as: Oracle, Mysql etc.)
According to library.Service provides ability extending transversely.
Service management: supply chain banking network manager, it is independent to dispose, it is responsible for configuration, the management of each network.It can dynamic
Increase network, dynamically increase member in network, realizes BAAS (Blockchain as a Service, block chain service) energy
Power.BAAS, which refers to, is embedded in cloud computing platform for block chain frame, is that a kind of helps user creates, manages and maintains enterprise-level block
Chain network and the service platform of application, have reduce exploitation and use cost, take into account rapid deployment, easy-to-use, high safety can
By etc. characteristics.
CA authentication: system provides unified digital certificate authentication service interface, mainly includes participant access, user
Access, application service access block chain network etc.;Third party CA service is provided.CA (Certification Authority) recognizes
Card is that the center CA is that each user using public-key cryptography provides a digital certificate, and the effect of digital certificate is in certification
The user listed is legal to possess the public-key cryptography listed in certificate, it is the proof text for proving user identity on network
Part.Ca authentication process can carry out authenticity verification to the identity of user, and then guarantee between user in the peace of transmitting information on the net
Quan Xing, authenticity, reliability, integrality and non repudiation.
Micro services architecture mode has numerous advantages:
1) modularization
Micro services are considered a kind of component.It is that traditional components will answer with the maximum difference of traditional components mode
Relatively independent unit is constructed with modularization and for it.Independent part is isolated or extracts common part, constructs shared library, reaches
To the effect of decoupling and multiplexing.And system is decomposed into multiple services, phase between service by micro services framework in a manner of modularization
To independence and loose coupling, the change of simple function only needs to rebuild the corresponding service of deployment.
2) independent deployment
Since micro services have independent operation process, so each micro services can also be disposed independently.When some in incognito
Without compiling, the entire application of deployment when business is changed, the application delivery period is greatly shortened.Micro services architecture mode to continue
Change deployment to be possibly realized.
3) complexity is reduced
Micro services framework is multiple method of servicing by decomposing monomer-type and applying, and makes complexity controllable, avoids unnecessary
Data silo.In the case where function is constant, using being broken down into multiple manageable services, by micro services architecture mode,
It allows complicated function, is presented by modular mode, provide mould to the function being difficult to realize using monomer applications coding mode
The solution of block allows single service to be easier to develop and safeguard.
4) technology diversification
Traditional development mode is usually to use the entire application of similar technique building.Micro services framework is it is emphasised that go to center
Software organization's framework of change makes each service make the judgement of oneself, choosing according to the demand and Industry of own services
The suitable type of skill is selected, interface service is provided.
5) maintenance risk is reduced
Safeguard huge and complicated monolithic architecture system, workload is very big, is easy to appear and leads one and start whole body, risk is very
It is high.In contrast, under micro services architecture mode, when a certain component failure, the process of monolithic architecture system will not be found
The drawbacks such as interior diffusion, failure can be isolated in single service, to reduce the risk of maintenance and redevelopment.
Above-described embodiment realizes the integrated management system of the digital credits in supply chain finance based on block chain technology, will
Medium-sized and small enterprises answer receipt on account to execute the logistics number of credits digitlization and product in production, assembling, distribution process to core enterprise
According to and the electronic evidences such as factoring contract all register cochain, realize the stream unification of " commodity-circulate, logistics, information flow, cash flow " four, it is real
Existing effect, integrity information integration, eliminate information asymmetry, alleviate the financing gap problem that each stage occurs in managing.Core
The Tier One supplier of enterprise, the N grade supplier in industrial chain can be easier to take financing money by the credit of core enterprise
And realize the financing of low cost.It solves the problems, such as in core enterprise's industrial chain, small-business finance is difficult, financing is slow, financing is expensive.
0, Figure 10 is the structural schematic diagram of electronic equipment provided by the present application refering to fig. 1, which includes processing
Device 101 and the memory 102 being connect with processor 101 and communications module 103.
Wherein, communications module 103 is used to carry out data interaction with the node in block chain network, and memory 102 is for depositing
Program data is stored up, processor 101 is for executing program data to realize such as the method in above-described embodiment.
Optionally, which can be computer, server or other mobile terminals, specifically can be with above-mentioned reality
Serving GPRS support node, resource transaction node, financial institution's node, the financial service node applied in the block chain network in example are corresponding
Electronic equipment.
1, Figure 11 is the structural schematic diagram of computer storage medium provided by the present application refering to fig. 1, and computer storage is situated between
Matter 110 is for storing program data 111, and the program data is when being executed by processor, to realize as in above-described embodiment
Method.
Optionally, which can be with the service support section in the block chain network in above-described embodiment
Point, resource transaction node, financial institution's node, the storage medium in the corresponding electronic equipment of financial service node.
In several embodiments provided herein, it should be understood that disclosed method and equipment, Ke Yitong
Other modes are crossed to realize.For example, equipment embodiment described above is only schematical, for example, the module or
The division of unit, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units
Or component can be combined or can be integrated into another system, or some features can be ignored or not executed.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.Some or all of unit therein can be selected to realize present embodiment scheme according to the actual needs
Purpose.
In addition, each functional unit in each embodiment of the application can integrate in one processing unit, it can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units.It is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit in above-mentioned other embodiments is realized in the form of SFU software functional unit and as independence
Product when selling or using, can store in a computer readable storage medium.Based on this understanding, the application
Technical solution substantially all or part of the part that contributes to existing technology or the technical solution can be in other words
It is expressed in the form of software products, which is stored in a storage medium, including some instructions are used
So that a computer equipment (can be personal computer, server or the network equipment etc.) or processor
(processor) all or part of the steps of each embodiment the method for the application is executed.And storage medium packet above-mentioned
It includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random
Access Memory), the various media that can store program code such as magnetic or disk.
The foregoing is merely presently filed embodiments, are not intended to limit the scope of the patents of the application, all according to this
Equivalent structure or equivalent flow shift made by application specification and accompanying drawing content, it is relevant to be applied directly or indirectly in other
Technical field similarly includes in the scope of patent protection of the application.
Claims (10)
1. the logical card management method of one kind, which is characterized in that the method is applied in the block chain network of supply chain financial system
Supplier's node, which comprises
The logical card situation that supplier's node is held is obtained from the block chain network;Wherein, the logical card is by described
Serving GPRS support node in block chain network is generated based on accounts receivable of supplier's node to core enterprise's node;
At least partly logical card for selecting supplier's node to be held based on the logical card situation;
With in the block chain network financial institution's node or another supplier's node at least partly logical card is handed over
Easily.
2. the method according to claim 1, wherein
It is described with the block chain network in financial institution's node or another supplier's node to it is described at least partly it is logical demonstrate,prove into
The step of row transaction, comprising:
Generate transaction request;
It is traded based on the transaction request logical card corresponding with financial institution's node or the progress of another supplier's node,
In, the record storage of the logical card transaction is in the block chain network.
3. according to the method described in claim 2, it is characterized in that,
The transaction request includes logical card financing request;Wherein, the logical card financing request is indicated using described at least partly logical
Card, the fund with the values such as financial institution's node switching;
It is described with the block chain network in financial institution's node or another supplier's node to it is described at least partly it is logical demonstrate,prove into
The step of row transaction, comprising:
The logical card financing request is sent to financial institution's node;
Receive the financing success message that financial institution's node is sent, wherein the financing success message indicates the logical card
The corresponding logical card of financing request is traded successfully.
4. according to the method described in claim 2, it is characterized in that,
The transaction request includes that logical card repays request;Wherein, the logical card is repaid request and is indicated using described at least partly logical
Card, repays supplier's node to the debt of another supplier's node;
It is described with the block chain network in financial institution's node or another supplier's node to it is described at least partly it is logical demonstrate,prove into
The step of row transaction, comprising:
The logical card is repaid into request and is sent to another supplier's node;
Receive the repayment success message that another supplier's node is sent, wherein the repayment success message indicates described logical
Card repays the corresponding logical card of request and trades successfully.
5. according to the method described in claim 2, it is characterized in that,
After the step of generation transaction request, further includes:
It is obtained and the matched trade contract template of the transaction request from block chain network;
Based on the corresponding Transaction Information of the trade contract template typing and signing messages, and in financial institution's node to be transacted
Or after another corresponding signing messages of supplier's node typing, electronic transaction contract is generated, and save to the block chain network
In.
6. the method according to claim 1, wherein
It is described with the block chain network in financial institution's node or another supplier's node to it is described at least partly it is logical demonstrate,prove into
After the step of row transaction, further includes:
Generate logical card clearance request;Wherein, the logical card clearance request includes at least the quantity of the required logical card cleared;
The logical card clearance request is sent to core enterprise's node, so as to lead to card described in core enterprise's node verification
After clearance request, Xiang Suoshu financial institution node sends clearance instruction, wherein the clearance instruction is for making the financial institution
Core enterprise's node account and the logical equipollent fund of card are transferred to the account of supplier's node by node
Family, and the log-off message of the logical card is generated, the log-off message of the logical card is saved into the block chain network.
7. method according to claim 1-6, which is characterized in that
The logical card includes Jia Ge Ku relation information, the core enterprise's section between logical card identification information, logical card and accounts receivable
Point information, logical card generate at least one of time, logical card expiration time.
8. a kind of supply chain financial system, which is characterized in that the supply chain financial system includes at least one block chain network,
The block chain network includes serving GPRS support node interconnected, core enterprise's node, supplier's node, financial institution's node
With financial service node;
Wherein, supplier's node is for executing the method according to claim 1 to 7, to carry out pipe to logical card
Reason.
9. logical card management system according to claim 8, which is characterized in that
Financial institution's node is used for: generating logical card financing request;Wherein, the logical card financing request indicates to utilize at least portion
Point logical card, the fund with the values such as another financial institution's node switching in the block chain network;The logical card financing is asked
Ask preservation into the block chain network so that the ownership of the logical card be transferred to by financial institution's node it is described another
Financial institution's node, and make another financial institution's node to the transfer of the account of financial institution's node and at least portion
Divide the logical equipollent fund of card;Or
Supplier's node is used for: by the material purchase information of product associated with the accounts receivable of the logical card, production
Information, sales information are saved into the block chain network;Or
The financial service node is used for: the logistics information of the product is saved into the block chain network.
10. a kind of electronic equipment, which is characterized in that
The electronic equipment is supplier's node or financial institution's node as claimed in claim 8 or 9.
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