CN110737721B - Receivable account transfer financing method and device based on block chain architecture - Google Patents
Receivable account transfer financing method and device based on block chain architecture Download PDFInfo
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- CN110737721B CN110737721B CN201910910979.9A CN201910910979A CN110737721B CN 110737721 B CN110737721 B CN 110737721B CN 201910910979 A CN201910910979 A CN 201910910979A CN 110737721 B CN110737721 B CN 110737721B
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Abstract
The invention provides a receivable account flow financing method and device based on a block chain architecture, wherein the method comprises the following steps: the purchasing side node or the first-level supplier node adds the constructed purchasing protocol block into the block chain; the purchasing party node generates an electronic creditor certificate aiming at a purchasing protocol, and the primary supplier node adds the constructed electronic creditor certificate block into a block chain; after receiving an electronic credit transfer instruction initiated by a primary supplier, the primary supplier node adds the constructed transfer block into a block chain; after receiving an accounts receivable financing request initiated by a transferee supplier, the node of the transferee supplier adds the constructed accounts receivable financing request block into a block chain; and the fund provider node evaluates the collected account financing request and adds the constructed financing result block into the block chain. By the technical scheme, the safety and the efficiency of the receivable payment transfer financing are improved, and the development of the receivable payment transfer financing service is greatly promoted.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a receivable account transfer financing method and device based on a block chain architecture.
Background
The receivable financing means that the enterprise sets a pledge for the legally owned receivable accounts to the bank as a repayment guarantee, but the bank does not carry short-term financing of any debt of the enterprise under the receivable accounts. During the loan, the discounted pledge must not be below the loan balance. When the discounted pledge accounts receivable are insufficient in the loan period, the enterprise should supplement and replace the pledge accounts receivable meeting the requirements according to the requirements of the bank. After the debt guaranteed by the receivable pledge expires, the lender (enterprise) does not fulfill the debt clearing obligation, and the grantee (bank) has the right to directly receive the receivable to the secondary debt (receivable payer) to realize the quality right and receive the loan interest.
The technical problem that the existing receivable money transfer financing scheme has is that: organizations and businesses cannot share data with each other. The process of crossing the mechanism and crossing the enterprise can not be carried out automatically, the speed is slow, the efficiency is low, the cost is high, and the method can not adapt to the continuously evolving demand of the receivable account transfer financing business. Data among all accounts receivable circulation financing participants are not transparent, so that data tampering and other phenomena are easy to occur in the accounts receivable circulation financing process, data cannot be traced, and fund providers cannot finance with untrue accounts receivable.
In summary, the existing receivable payment transfer financing scheme has low security and low efficiency, which results in limited receivable payment transfer financing service.
Disclosure of Invention
The embodiment of the invention provides a receivable flow financing method based on a block chain architecture, which is used for improving the safety and efficiency of receivable flow financing, and a receivable flow financing participant node forms a block chain node, wherein the block chain node comprises: a buyer node, a primary supplier node, a transferee supplier node and a fund provider node; the receivable account transfer financing method based on the block chain architecture comprises the following steps:
the purchasing side node or the first-level supplier node receives a purchasing protocol signed by the purchasing side and the first-level supplier on line, constructs a purchasing protocol block, and adds the purchasing protocol block into a block chain;
the purchasing side node determines a source asset with the type of receivable account according to a purchasing agreement with a primary supplier according to a credit line approved by a fund provider in advance; establishing an asset with the type of electronic creditor based on the source asset, and opening an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier;
the primary supplier node constructs an electronic creditor certificate block according to the signed electronic creditor certificate, and adds the electronic creditor certificate block into a block chain; the electronic creditor certificate block comprises: debt party, holding party and amount;
after receiving an electronic credit transfer instruction initiated by a primary supplier, the primary supplier node constructs a transfer block for transferring the electronic credit to a transferee supplier, and adds the transfer block into a block chain; the holder of the electronic debt becomes the transferee supplier;
after receiving an accounts receivable financing request initiated by a transferee supplier, the transferee supplier node constructs an accounts receivable financing request block for transferring the electronic debt to a fund provider, and adds the accounts receivable financing request block into a block chain;
the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
The embodiment of the invention also provides an accounts receivable flow financing device based on the block chain architecture, which is used for improving the safety and efficiency of accounts receivable flow financing, and the block chain link points comprise: a buyer node, a primary supplier node, a transferee supplier node and a fund provider node; wherein:
the purchasing party node or the first-level supplier node is used for receiving a purchasing protocol signed by the purchasing party and the first-level supplier on line, constructing a purchasing protocol block and adding the purchasing protocol block into the block chain;
the buyer node is also used for determining a source asset of which the type is receivable according to a purchasing agreement with a primary supplier based on the credit amount preapproved by the fund provider; establishing an asset of which the type is electronic creditor based on the source asset, and issuing an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier;
the primary supplier node is also used for constructing an electronic creditor certificate block according to the signed electronic creditor certificate and adding the electronic creditor certificate block into a block chain; the electronic creditor certificate block comprises: debt party, holding party, and amount; after receiving an electronic credit transfer instruction initiated by a primary supplier, constructing a transfer block for transferring the electronic credit to a transferee supplier, and adding the transfer block into a block chain; the holder of the electronic debt becomes the transferee;
the system comprises a node of the transferee supplier and a node of the transferee supplier, wherein the node of the transferee supplier is used for constructing an accounts receivable financing request block for transferring the electronic debt right to a fund provider after receiving an accounts receivable financing request initiated by the transferee supplier, and adding the accounts receivable financing request block into a block chain;
the fund provider node is used for evaluating the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructing a financing result block according to an evaluation result and adding the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the receivable account flow financing method based on the block chain architecture.
An embodiment of the present invention further provides a computer-readable storage medium storing a computer program for executing the receivable cash flow financing method based on the blockchain architecture.
Compared with the prior art, in the technical scheme provided by the embodiment of the invention, the nodes of the accounts receivable flow financing participants form block chain nodes, and the block chain nodes comprise: a buyer node, a primary supplier node, a transferee supplier node and a fund provider node; the receivable account transfer financing scheme based on the block chain architecture is as follows: the purchasing side node determines a source asset with the type of receivable account according to a purchasing agreement with a primary supplier according to a credit line approved by a fund provider in advance; establishing an asset with the type of electronic creditor based on the source asset, and opening an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier; the primary supplier node constructs an electronic creditor voucher block according to the signed electronic creditor voucher, and adds the electronic creditor voucher block into a block chain; the electronic creditor certificate block comprises: debt party, holding party and amount; after receiving an electronic credit transfer instruction initiated by a primary supplier, the primary supplier node constructs a transfer block for transferring the electronic credit to a transferee supplier, and adds the transfer block into a block chain; the holder of the electronic debt becomes the transferee; after receiving an accounts receivable financing request initiated by a transferee supplier, the transferee supplier node constructs an accounts receivable financing request block for transferring the electronic debt to a fund provider, and adds the accounts receivable financing request block into a block chain; the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt right becomes a fund provider, the transfer of the mobile asset based on the block chain architecture is realized, namely, the transfer of the credit of a buyer is realized, each account receivable transfer financing participant joins a alliance chain, all relevant parties of the trade and the whole process of the trade are on-line, the on-line confirmation of the authenticity of the trade is realized, the transparency, traceability and falsification prevention of data among the account receivable transfer financing participants are ensured, the safety and efficiency of the account receivable transfer financing are improved, and the development of the account receivable transfer financing business is greatly promoted.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:
FIG. 1 is a flow chart illustrating a method for financing accounts receivable flows based on a blockchain architecture according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating an accounts receivable flow financing architecture in accordance with an embodiment of the present invention;
FIG. 3 is a diagram of another accounts receivable flow financing architecture in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram illustrating financing of receivables flow based on blockchain architecture in accordance with an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an account receivable flow financing apparatus based on a blockchain architecture according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the following embodiments and accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventor finds that: the block chain is regarded as subversive innovation of a computing mode after a mainframe, a personal computer and the internet as the integrated application of technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like, and is likely to cause a new technical innovation and an industrial revolution on the global scale. The blockchain technology originated in the founder paper "bitcoin-point-to-point electronic cash system", published in 2008 by a scholarian named "Zhongben Nakamoto". In a narrow sense, the blockchain is a distributed account book which is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence and is guaranteed in a cryptographic mode and cannot be tampered and forged. Broadly speaking, the blockchain technology is a brand new distributed infrastructure and computing paradigm that uses blockchain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to secure data transmission and access, and uses intelligent contracts composed of automated script codes to program and manipulate data.
Therefore, the inventor provides an accounts receivable money circulation financing scheme based on a block chain architecture, the scheme realizes large-scale data sharing through a decentralization technical scheme, all relevant parties of trade and the whole trade process are all online through the construction of a block chain alliance, online confirmation of trade authenticity is realized, automatic execution of accounts receivable money circulation financing service is realized, the efficiency of the accounts receivable money circulation financing service is improved, and the risk of the accounts receivable money circulation financing service is reduced. Meanwhile, the problems of splitting and transferring of accounts receivable can be solved.
According to the invention, the block chain-based movable property asset transfer ecological circle is formed by adding alliance chains to each merchant, each fund provider, each financing cooperative platform, each logistics mechanism (including carriers), each quality inspection mechanism, each notarization mechanism, each judicial institution and the like, so that the transparency, traceability and tamper resistance of data among accounts receivable transfer financing participants are ensured, the safety and efficiency of accounts receivable transfer financing are improved, and the development of accounts receivable transfer financing business is greatly promoted. The receivables circulation financing scheme based on the blockchain architecture is described in detail below.
Fig. 1 is a schematic flow chart of an account receivable flow financing method based on a block chain architecture according to an embodiment of the present invention, where an account receivable flow financing participant node forms a block chain node, and the block chain node may include: a buyer node, a primary supplier node, a transferee supplier node and a fund provider node; as shown in fig. 1, the method includes:
step 101: the purchasing side node or the first-level supplier node receives a purchasing protocol signed by the purchasing side and the first-level supplier on line, constructs a purchasing protocol block, and adds the purchasing protocol block into a block chain;
step 102: the purchasing side node determines a source asset with the type of receivable account according to a purchasing agreement with a primary supplier according to a credit line approved by a fund provider in advance; establishing an asset with the type of electronic creditor based on the source asset, and opening an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier;
step 103: the primary supplier node constructs an electronic creditor certificate block according to the signed electronic creditor certificate, and adds the electronic creditor certificate block into a block chain; the electronic creditor certificate block comprises: debt party, holding party and amount;
step 104: after receiving an electronic credit transfer instruction initiated by a primary supplier, the primary supplier node constructs a transfer block for transferring the electronic credit to a transferee supplier, and adds the transfer block into a block chain; the holder of the electronic debt becomes the transferee;
step 105: after receiving an accounts receivable financing request initiated by a transferee supplier, the transferee supplier node constructs an accounts receivable financing request block for transferring the electronic debt to a fund provider, and adds the accounts receivable financing request block into a block chain;
step 106: the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
The receivable flow financing method based on the block chain architecture provided by the embodiment of the invention is characterized by comprising the following steps:
firstly, a primary supplier goods owner applies to a primary supplier node such as a goods owner, or a buyer applies to a buyer node such as a buyer, and signs a purchasing protocol on line, the buyer node or the primary supplier node receives the purchasing protocol signed by the buyer and the primary supplier on line, a purchasing protocol block is constructed, the purchasing protocol block is added into a block chain, and at the moment, the account receivable transfer financing participant node (only authorized participant node and supervisor node are controlled by an intelligent contract) on the chain knows that the purchasing protocol block is the same, namely, the purchasing protocol in the block is broadcasted to the chain.
Secondly, the purchasing side node confirms the credit line granted to the purchasing side in advance according to the fund provider, and determines a source asset with the type of receivable accounts according to the purchasing agreement with the primary supplier; establishing an asset of which the type is electronic creditor based on the source asset, and opening an electronic creditor certificate (e.g., generating an electronic payment acceptance letter); the debt party of the electronic debt right is a purchasing party, and the holding party is a primary supplier; the primary supplier node constructs an electronic creditor certificate block according to the signed electronic creditor certificate, and adds the electronic creditor certificate block into a block chain; the electronic creditor certificate block comprises: debt (payment acceptance letter generator), holder (owner) and amount, at which point the accounts receivable flow financing participant nodes on the chain all learn of the block of electronic creditor vouchers that is broadcast on the chain.
Thirdly, after receiving an electronic credit transfer instruction initiated by the primary supplier, the primary supplier node constructs a transfer block for transferring the electronic credit to the transferee supplier, and the transfer block is added into a block chain; the holder of the electronic debt becomes the transferee, and at this time, the accounts receivable flow financing participant node in the chain knows that the transfer block is available, that is, the message of transferring the electronic debt to the transferee in the transfer block is broadcasted to the chain.
Then, after receiving the receivable financing request initiated by the transferee, the transferee node constructs a receivable financing request block for transferring the electronic debt to the fund provider, and adds the receivable financing request block into a block chain, at this time, the receivable circulation financing participant nodes in the chain all know that there is such a receivable financing request block, that is, the receivable financing request in the block is broadcast to the chain.
Then, the fund provider node evaluates the corresponding account collecting and financing request according to a purchase agreement block, an electronic creditor certificate block, an assignment block and an account collecting and financing request block, wherein the financing evaluation process is to judge whether the financing of the account collecting and financing flow is risky or not, construct a financing result block according to an evaluation result, and add the financing result block into a block chain; the holder of the electronic debt right becomes a fund provider, namely, the nodes of accounts receivable transfer financing participants on the chain know financing results such as payment and the like, and at the moment, the financing results can be sent to the nodes of fund demand parties, namely the nodes of the accepted suppliers, in the form of short messages or mails.
Compared with the prior art, the technical scheme provided by the embodiment of the invention realizes the transfer of the mobile asset based on the block chain architecture, namely, the transfer of the credit of a buyer is realized, each account receivable money transfer and financing participant joins in the alliance chain, all relevant parties of the trade and the whole trade process are equalized online, the online confirmation of the trade authenticity is realized, the transparency, traceability and tamper resistance of data between the account receivable money transfer and financing participants are ensured, the safety and efficiency of account receivable money transfer and financing are improved, and the development of the account receivable money transfer and financing business is greatly promoted.
In summary, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of the receivable cash flow financing, and greatly promotes the development of the receivable cash flow financing business.
In specific implementation, the fund demander may be a goods owner (a transferee supplier), and the fund provider may be a financial institution such as a bank.
Before introducing the receivable flow financing scheme based on the blockchain architecture provided by the embodiment of the present invention, the receivable flow financing architecture provided by the embodiment of the present invention is first introduced as follows.
In practical implementation, the scheme provided by the embodiment of the present invention technically uses a block chain technique (as shown in fig. 2) as a bottom layer. An order node (or an order node cluster, using ZooKeeper distributed application coordination service, kafka distributed publish-subscribe messaging system, etc. can correspond to high-concurrency, massive data scenarios). Each organization (e.g., funds provider 1, 2.) corresponds to multiple Peer nodes, and the authority control within the organization's jurisdiction is unified by the organization. According to specific business needs, multiple enterprises can form a sub-chain (channel), which is a subset of all participants in the federation chain.
In addition, in fig. 2, the cargo owner may include multiple levels of suppliers, such as the primary upstream (the receiver, the transfer, the primary supplier), the secondary upstream (the receiver, the transfer, the financer, the request for payment acceptance letter financing, the request for return on account flow financing, and the fund demand side) mentioned in the embodiment of the present invention.
In the implementation, as shown in fig. 3, the block chain bottom layer is divided into three modules: the system comprises a bottommost module consisting of a P2P network, a gPC and a Gossip protocol, a module consisting of an account book, a transaction, an event, a chain code (which can realize an intelligent contract, can be some pre-stored programs and the like, and is described in the following embodiments), a block chain structure database (a Key-value database or a relational database), a consensus mechanism (a Byzantine consensus algorithm, a POW algorithm, a POS algorithm or a DPOS algorithm realizes the consensus mechanism, and in the case of the four algorithms, no sequencing node is needed), a container and a state machine, and a module consisting of an authority management system and a PKI system. And the SDK (software development kit) layer of the block chain calls an interface at the bottom layer of the block chain to transmit data among the interfaces. And calling an interface of the block chain SDK layer by the block chain intermediate layer. And the application of a goods owner application, a financing cooperative platform application, a financial institution application, a quality inspection institution, an insurance company, all levels of merchants and the like calls an interface of the block chain middle layer to transmit data among each other.
The steps involved in the embodiments of the present invention are described in detail below with reference to fig. 4.
1. First, the preparation steps before the above step 101 are described.
1. As shown in fig. 4, block chain nodes are respectively set up at core enterprises (e.g., credit issuers, buyers), primary upstream (e.g., recipient, transfer, primary supplier), secondary upstream (e.g., recipient, transfer, financer, payment acceptance letter financing requester, account transfer financing requester, fund demander), and fund parties (e.g., recipient, fund provider, bank, etc.) enterprises (organizations).
2. As shown in the sub-flow of "allocating credit amount" in fig. 4, the core enterprise issues a credit application online, the fund side also approves the credit offline, adds the core enterprise into the white list, and the core enterprise queries the approved credit amount.
2. Next, the above step 101 is described.
In specific implementation, as shown in fig. 4, in the "sign agreement" link, the contents of the relevant agreement (in the format of a PDF file) are stored as a certificate in a block chain, and are stored in all relevant nodes in real time through node synchronization, and only authorized participants and a supervisor can see the agreement contents through intelligent contract control. And record specific information of the agreement on the blockchain, including but not limited to contract number, party A, party B, signing time, name, quantity, price, quality requirement, delivery location, payment mode, transportation mode, liability of breach, inspection standard and method, information required to be provided by party B when delivering, mode of resolving contract dispute, etc.
(1) Case of signing a procurement agreement for the first time: the core enterprise (purchasing party) initiates purchasing and signs a purchasing agreement on line (the operations not specifically described below are all online operations through the blockchain system), and submits the purchasing agreement to a first-level upstream enterprise (first-level provider, first-level supplier). The primary upstream enterprise (primary provider, primary supplier) determines the order and signs the purchase agreement.
(2) Case of non-first sign-up purchase agreement: the core enterprise selects a past agreement template, fills (or selects) agreement specific content on the agreement template, submits the agreement to a first-level upstream enterprise (a first-level provider, a first-level supplier) to determine an order and signs a purchase agreement.
3. The above-described steps 102 and 103 are described next.
In specific implementation, as shown in fig. 4, in the "open payment acceptance letter (open electronic creditor voucher)" sub-process, the core enterprise selects an order as an issuer to generate an electronic payment acceptance letter according to a certain amount, and submits the electronic payment acceptance letter to the first-level upstream enterprise through the system, and the upstream enterprise signs for receipt. Meanwhile, digital assets (electronic creditor assets) of the electronic payment acceptance letter are generated at all the related nodes of the block chain, and information such as a generator (issuers, letter opening enterprises and debtor parties) and an owner (owner), related contract codes, repayment date and amount, signature of a commitment person (primary upstream enterprise), legal person representatives and the like of the electronic payment acceptance letter is recorded.
4. Step 104 described above is next introduced.
In one embodiment, after receiving an electronic credit transfer instruction initiated by the primary supplier, the primary supplier node constructing a transfer block for transferring the electronic credit to the transferee supplier may include:
after receiving an electronic creditor transfer instruction initiated by a primary supplier, a primary supplier node divides credit lines in the electronic creditor voucher into a plurality of lines to generate electronic creditor vouchers with different lines;
and constructing a transfer block for transferring the electronic creditor certificates with different limits to different assignee suppliers.
In specific implementation, as shown in fig. 4, in the "transfer electronic payment acceptance letter" (electronic creditor transfer) sub-process, the primary upstream enterprise selects an order in the system to initiate the transfer of the electronic payment acceptance letter (transfer the electronic creditor to the transferee supplier), and submits the order to the secondary upstream enterprise (secondary provider, transferee supplier), and the secondary upstream enterprise signs the acceptance. Meanwhile, on the related blockchain node, the owner of the electronic payment acceptance letter is changed into a second-level upstream enterprise (the holder of the electronic debt becomes a concession supplier). In addition, the transfer of the electronic payment acceptance letter (electronic credit) may transfer the entire amount or a part of the amount (split).
During specific implementation, the number of the given suppliers can be one or more, the purchasing party can transfer all the quota in the payment acceptance letter to one given supplier, the given supplier serving as a secondary supplier can transfer the payment acceptance letter to a tertiary supplier and sequentially transfers the quota to different given suppliers in the process of sequentially transferring the quota; of course, the purchasing party can also transfer the amount part in the payment acceptance letter (electronic credence certificate) to one transferee, or split the amount part in the payment acceptance letter and transfer the split amount part to different transferees.
5. The above-mentioned step 105 is described next.
In the sub-process of ' payment acceptance letter financing ' (receivable payment financing '), a second-level upstream enterprise (a given supplier) (which can supply money to a buyer) initiates electronic acceptance letter transfer and submits the electronic acceptance letter transfer to a fund side through the system, and the system automatically releases money (financing result) after the fund side signs. The secondary upstream enterprise may then query the system for the information on the deposit. At the same time, the owner of the electronic payment acceptance letter changes to the fund provider (the holder of the electronic debt becomes the fund provider) on the relevant blockchain node.
6. The above-mentioned step 106 is described next.
In one embodiment, the method for financing an receivables flow based on a blockchain architecture may further include:
when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer;
after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
In specific implementation, as shown in fig. 4, in the "cash letter redemption" sub-process, the core enterprise deducts principal (and/or interest) from the system after completing account recharge in the "my account" page. Meanwhile, the state of the corresponding payment acceptance letter is set as destruction on the related block chain node. Before the due date recorded by the electronic claim certificate, the purchasing side node realizes the cashing of the electronic claim through the unified cashing of the source assets.
7. Next, other steps associated with embodiments of the present invention are described.
In one embodiment, the block link point may further include: logistics organization nodes, quality inspection organization nodes, insurance organization nodes, notarization organization nodes and judicial organization nodes.
As shown in fig. 2, the scheme provided in the embodiment of the present invention may further include a financing coordination platform node, where the financing coordination platform node performs financing risk assessment corresponding to the collected fund flow financing request (payment commitment financing request) according to the purchase agreement block, the payment commitment letter block, the transfer block, and the payment commitment letter financing request block, constructs a financing risk assessment result information block according to the financing risk assessment result, and adds the financing risk assessment result information block to the block account, and at this time, all the nodes participating in the chain that should collect the fund flow financing know that there is such a financing risk assessment result information block, that is, the financing risk assessment result information in the block is broadcast to the chain. The subsequent fund provider node can evaluate the payment acceptance letter financing request based on whether the financing risk evaluation result given by the financing cooperation platform node meets the requirements of the fund provider, i.e. according to the financing risk evaluation result given by the financing cooperation platform node, such as a reasonable optimal credit risk control parameter value and an optimal credit evaluation index value which can be accepted by both parties, thereby further improving the safety and efficiency of the return-to-charge circulation financing. In specific implementation, the financing cooperative platform node realizes pre-loan prediction and loan monitoring, and can refer to the patent application numbers: 201910028122.4 case implementation improves accuracy and efficiency of credit risk monitoring of receivables circulation financing, and accordingly improves safety and efficiency of receivables circulation financing.
The solution provided by the embodiment of the present invention may further include a logistics mechanism node, such as the carrier node in fig. 2, when a certain transferee agrees to supply goods to the buyer, and after receiving a trigger instruction that the goods have been delivered to the logistics mechanism for carrying, the supplier node (transferee supplier node) constructs an invoice block, and adds the invoice block into the block chain; after receiving a trigger instruction of goods carrying, the logistics mechanism node constructs a carrying list block, and the carrying list block is added into a block chain; in the transportation process of the goods, on-the-way monitoring is carried out on the goods, a position information track block is constructed according to on-the-way position information of the goods, and the position information track block is added into a block chain; after a trigger instruction that goods arrive is received, a purchase party node (a purchasing party node) constructs a receipt block, the receipt block is added into a block chain, and due to the adoption of the scheme and the application of the Internet of things technology, a bill information is not only paid attention to by a transfer financing participant of accounts receivable, and more specific information of a real object of a bill bottom layer is provided: the purchasing agreement information in the purchasing agreement block, the invoice information in the invoice block, the delivery order information in the delivery order block, the cargo transportation position track information in the position information track block and the receipt information in the receipt block prove the authenticity of trade to the greatest extent, and a fund provider finances based on real transaction, thereby further reducing the risk of the accounts receivable flow financing service.
The solution provided by the embodiment of the present invention may further include a quality inspection mechanism, as shown in fig. 2, in an embodiment, the block link point may further include: a quality inspection mechanism node; the receivable fund flow financing method based on the block chain architecture may further include:
the quality inspection mechanism node constructs a quality inspection result block aiming at the quality inspection result of the goods according to the payment acceptance letter financing request, and adds the quality inspection result block into a block chain;
and the fund provider node evaluates the payment acceptance letter financing request according to the purchase agreement block, the payment acceptance letter block, the transfer block, the quality inspection result block and the payment acceptance letter financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into the block chain.
When the system is implemented specifically, the quality inspection mechanism performs quality inspection on the goods and links the quality inspection report. In the present embodiment, the block link points include: the quality inspection institution node automatically constructs a quality inspection result block according to the quality inspection result of the goods when the participant knows that the payment acceptance letter financing request exists on the block chain, and adds the quality inspection result block into the block chain, so that the fund provider node or the financing collaboration platform node can refer to the quality inspection result block when evaluating the payment acceptance letter financing request, and the efficiency and the accuracy of the transfer financing of accounts receivable are also improved.
In addition, as shown in fig. 2, a strengthening notarization procedure of a notarization institution may be added in the trade contract signing link. The empowerment notarization, also called creditor document notarization with enforcement effectiveness or enforcement notarization, refers to the activity of the notarization institution to enforce the enforcement effectiveness for the creditor document willing to accept the enforcement of the national court when the creditor promises not to fulfill or not properly fulfill the contractual obligation with the payment of money, articles and securities as the content. The characteristics of enforcing notarization are as follows: after the official certificate authority issues the compulsory execution official certificate, once the debtor does not or inappropriately fulfills the contractual obligation, the creditor can apply for the execution certificate to the original official certificate authority, and then the compulsory execution official certificate and the execution certificate are applied for the compulsory execution to the jurisdictional people's court, so as to protect and realize the debt. That is, the creditor is directly implementing the creditor by executing the procedure without going through the litigation procedure.
In summary, with the present invention, the authenticity of the trade between the merchants can be confirmed on a chain, the flow of the receivable funds can be confirmed on a chain, the financing business is full online, automated and closed-loop, the transaction efficiency is improved, and the transaction risk is reduced. Meanwhile, the problems of splitting and transferring of the accounts receivable circulation are solved.
Based on the same inventive concept, the embodiment of the present invention further provides a receivable fund flow financing device based on the block chain architecture, as in the following embodiments. Because the principle of solving the problem of the receivable cash flow financing device based on the blockchain architecture is similar to that of the receivable cash flow financing method based on the blockchain architecture, the implementation of the receivable cash flow financing device based on the blockchain architecture can refer to the implementation of the receivable cash flow financing method based on the blockchain architecture, and repeated parts are not repeated. As used hereinafter, the term "module" or "unit" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 5 is a schematic structural diagram of an account receivable flow financing apparatus based on a block chain architecture according to an embodiment of the present invention, where an account receivable flow financing participant node forms a block chain node, and the block chain node includes: a buyer node 01, a first-level supplier node 02, a transferee supplier node 03 and a fund provider node 04; wherein:
the purchasing party node 01 or the first-level supplier node 02 is used for receiving a purchasing protocol signed by the purchasing party and the first-level supplier on line, constructing a purchasing protocol block and adding the purchasing protocol block into a block chain;
the buyer node 01 is also used for determining a source asset of which the type is receivable in view of a purchasing agreement with a primary supplier according to the credit amount preapproved by a fund provider to the buyer; establishing an asset with the type of electronic creditor based on the source asset, and opening an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier;
the primary supplier node 02 is also used for constructing an electronic creditor certificate block according to the signed electronic creditor certificate, and adding the electronic creditor certificate block into a block chain; the electronic creditor voucher block comprises: debt party, holding party and amount; after receiving an electronic credit transfer instruction initiated by a primary supplier, constructing a transfer block for transferring the electronic credit to a transferee supplier, and adding the transfer block into a block chain; the holder of the electronic debt becomes the transferee;
the transferee supplier node 03 is used for constructing an accounts receivable financing request block for transferring the electronic debt right to the fund provider after receiving the accounts receivable financing request initiated by the transferee supplier, and adding the accounts receivable financing request block into the block chain;
the fund provider node 04 is used for evaluating the financing request corresponding to the account collection according to the purchase agreement block, the electronic creditor voucher block, the transfer block and the account collection financing request block, constructing a financing result block according to an evaluation result, and adding the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
In one embodiment, the primary supplier node may be specifically configured to:
after receiving an electronic creditor transfer instruction initiated by a primary supplier, a primary supplier node divides the quota in the electronic creditor certificate into a plurality of quotas to generate electronic creditor certificates with different quotas;
and constructing a transfer block for transferring the electronic creditor certificates with different limits to different transferees.
In one embodiment, the funds provider node may be further operable to:
when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer;
after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
In one embodiment, the block link point may further include: logistics organization nodes, quality inspection organization nodes, insurance organization nodes, notarization organization nodes and judicial organization nodes.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: the method has the advantages that the transfer of the movable property assets based on the block chain architecture is realized, namely, the transfer of the credit of a purchasing party is realized, each account receivable money transfer financing participant joins in a alliance chain, all relevant parties of the trade and the whole process of the trade are on-line, the on-line confirmation of the authenticity of the trade is realized, the transparency, traceability and tamper resistance of data among the account receivable money transfer financing participants are ensured, the safety and efficiency of the account receivable money transfer financing are improved, and the development of the account receivable money transfer financing business is greatly promoted.
In conclusion, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of receivable cash flow financing, and greatly promotes the development of receivable cash flow financing business.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (6)
1. A receivable account transfer financing method based on a block chain architecture is characterized in that receivable account transfer financing participant nodes form block chain nodes, and the block chain nodes comprise: a buyer node, a primary supplier node, a transferee supplier node and a fund provider node; the receivable account transfer financing method based on the block chain architecture comprises the following steps:
the purchasing side node or the first-level supplier node receives a purchasing protocol signed by the purchasing side and the first-level supplier on line, constructs a purchasing protocol block, and adds the purchasing protocol block into a block chain;
the purchasing side node determines a source asset with the type of receivable account according to a purchasing agreement with a primary supplier according to a credit line approved by a fund provider in advance; establishing an asset with the type of electronic creditor based on the source asset, and opening an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier; the credit line is the credit line which is issued by a buyer on line and is granted, and the fund provider examines and approves the credit line and is added into a white list;
the primary supplier node constructs an electronic creditor certificate block according to the signed electronic creditor certificate, and adds the electronic creditor certificate block into a block chain; the electronic creditor certificate block comprises: debt party, holding party and amount;
after receiving an electronic credit transfer instruction initiated by a primary supplier, the primary supplier node constructs a transfer block for transferring the electronic credit to a transferee supplier, and adds the transfer block into a block chain; the holder of the electronic debt becomes the transferee;
after receiving an accounts receivable financing request initiated by a transferee supplier, the transferee supplier node constructs an accounts receivable financing request block for transferring the electronic debt to a fund provider, and adds the accounts receivable financing request block into a block chain;
the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt right becomes a fund provider, and at the moment, the nodes of accounts receivable transfer financing participants on the chain all know the financing result;
the bottom layer of the receivable cash flow financing method based on the block chain architecture comprises a sequencing node or a sequencing cluster, each receivable cash flow financing participant node corresponds to a Peer node, and the Peer nodes are used for unifying authority control in the jurisdiction range of the Peer nodes; the bottom layer of the block chain comprises a bottom layer module consisting of a P2P network, a gPC and a Gossip protocol, or a consensus mechanism module realized by a Byzantine consensus algorithm, a POW algorithm, a POS algorithm or a DPOS algorithm, and the sequencing node or the sequencing cluster is not needed under the condition of applying the four algorithms;
after receiving an electronic credit transfer instruction initiated by a primary supplier, a primary supplier node constructs a transfer block for transferring the electronic credit to a transferee supplier, and the method comprises the following steps: after receiving an electronic creditor transfer instruction initiated by a primary supplier, a primary supplier node divides credit lines in the electronic creditor voucher into a plurality of lines to generate electronic creditor vouchers with different lines; constructing a transfer block for transferring the electronic creditor certificates with different limits to different transferee suppliers; or, the credit in the payment acceptance letter is transferred to a transferee, the transferee is used as a secondary supplier and also transfers the credit in the payment acceptance letter to a tertiary supplier, and the credit is sequentially transferred, and the credit can be split and transferred to different transferees in the process of sequentially transferring the credit;
the receivable account flow financing method based on the block chain architecture further comprises the following steps: when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer; after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
2. The method for financing a blockchain architecture-based receivables flow of claim 1, wherein the blockchain node further comprises: quality inspection mechanism nodes, logistics mechanism nodes, insurance mechanism nodes, notarization mechanism nodes and judicial organization nodes.
3. The utility model provides an account receivable transfer financing device based on block chain framework which characterized in that, account receivable transfer financing participant node constitutes block chain node, block chain node includes: a buyer node, a primary supplier node, a transferee supplier node and a fund provider node; wherein:
the purchasing side node or the first-level supplier node is used for receiving a purchasing protocol signed by the purchasing side and the first-level supplier on line, constructing a purchasing protocol block and adding the purchasing protocol block into the block chain;
the buyer node is also used for determining a source asset of which the type is receivable according to a purchasing agreement with a primary supplier based on the credit amount preapproved by the fund provider; establishing an asset of which the type is electronic creditor based on the source asset, and issuing an electronic creditor certificate; the debtor of the electronic debt right is a buyer, and the holder is a first-level supplier; the credit line is the credit line which is issued by a buyer on line and is granted, and the fund provider examines and approves the credit line and is added into a white list;
the primary supplier node is also used for constructing an electronic creditor voucher block according to the signed electronic creditor voucher and adding the electronic creditor voucher block into a block chain; the electronic creditor certificate block comprises: debt party, holding party and amount; after receiving an electronic credit transfer instruction initiated by a primary supplier, constructing a transfer block for transferring the electronic credit to a transferee supplier, and adding the transfer block into a block chain; the holder of the electronic debt becomes the transferee;
the system comprises a transferee supplier node, a block chain and a financial resource allocation block, wherein the transferee supplier node is used for constructing an accounts receivable financing request block for transferring electronic debt to a fund provider after receiving an accounts receivable financing request initiated by a transferee supplier, and adding the accounts receivable financing request block into the block chain;
the fund provider node is used for evaluating the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructing a financing result block according to an evaluation result and adding the financing result block into a block chain; the holder of the electronic debt right becomes a fund provider, and at the moment, the nodes of accounts receivable transfer financing participants on the chain all know the financing result;
the bottom layer of the receivable cash flow financing device based on the block chain architecture comprises a sequencing node or a sequencing cluster, each node of a participant of the receivable cash flow financing corresponds to a Peer node, and the Peer nodes are used for unifying authority control in the jurisdiction range of the Peer nodes; the bottom layer of the block chain comprises a bottom layer module consisting of a P2P network, a gPC and a Gossip protocol, or a consensus mechanism module realized by a Byzantine consensus algorithm, a POW algorithm, a POS algorithm or a DPOS algorithm, and the sequencing node or the sequencing cluster is not needed under the condition of applying the four algorithms;
the primary supplier node is specifically configured to: after receiving an electronic creditor transfer instruction initiated by a primary supplier, a primary supplier node divides the quota in the electronic creditor certificate into a plurality of quotas to generate electronic creditor certificates with different quotas; constructing an transferring block for transferring the electronic creditor certificates with different limits to different transferee suppliers; or, the credit in the payment acceptance letter is transferred to a transferee, the transferee is used as a secondary supplier and also transfers the credit in the payment acceptance letter to a tertiary supplier, and the credit is sequentially transferred, and the credit can be split and transferred to different transferees in the process of sequentially transferring the credit;
the funds provider node is further configured to: when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer; after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic credit cancellation state block and adds the electronic credit cancellation state block into a block chain.
4. The apparatus for receivables flow financing based on blockchain architecture of claim 3, wherein the blockchain node further comprises: quality inspection mechanism nodes, logistics mechanism nodes, insurance mechanism nodes, notarization mechanism nodes and judicial organization nodes.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 2 when executing the computer program.
6. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 2.
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