CN111008903A - Block chain-based credit insurance accrual pledge financing system and method - Google Patents

Abstract

The invention discloses a block chain-based credit insurance cashing and pledging pledge financing system and a block chain-based credit insurance cashing and pledge financing method. The system comprises seven functional modules including user management, credit granting management, trade asset management, financing management, payment and receipt management, statistical statement management and abnormal claim settlement management, the functions of user management, user financing, abnormal claim settlement and the like in the credit insurance receivables financing system based on the block chain are realized through the seven functional modules, and all operations and transactions in the system are recorded in the block chain to prevent tampering. The invention utilizes the block chain technology to be combined with credit corresponding to the account-receiving service for reinforcement, compared with the traditional financing mode 1+ N depending on the credit of a core enterprise, the risk is concentrated in the core enterprise, the credit insurance coverage is carried out on the account receivable of the financing party, if the account receivable of the financing party is abnormal, the credit settlement can be obtained, the risk of the financing party is reduced, and the quality of the account receivable is greatly ensured by the non-falsification of the block chain, the development of enterprises related to a supply chain is driven, and the innovation driving development is realized.

Description

Block chain-based credit insurance accrual pledge financing system and method

Technical Field

The invention belongs to the technical field of block chains, and particularly relates to a credit insurance accrual amount pledge financing system and method based on block chains

Background

The blockchain technology is a novel decentralized information technology, can safely store digital transactions or other data, cannot forge and falsify information, and is a bottom layer technology of digital currencies such as bitcoin, Ethernet currency and the like. And the transaction confirmation on the blockchain is completed by the consensus of all the nodes on the blockchain, and the block is packed and written after the consensus is successful. The block chain maintains a public account book for storing all transactions on the block chain network, the public account book is positioned on the storage block, and any node has a complete copy, so that the block chain can not be forged and falsified, information sharing is realized, and the efficiency of transaction and information circulation can be improved.

The traditional financing mode 1+ N is that one core enterprise carries a plurality of suppliers, the credit of the suppliers depends on the credit of the core enterprise, the risk is concentrated on the core enterprise, and for some terminal small and micro suppliers, the conditions that the financing is difficult are caused, or the credit is difficult to obtain the fund, so that the whole receivable accounts of the small and micro enterprises are broken when the core enterprise has problems. The existing accounts receivable platform adopts step-by-step credit distribution, and if the capital problem of core enterprises or warranty merchants really appears, the existing accounts receivable platform still has no solution.

Disclosure of Invention

The invention aims to provide a block chain-based credit insurance accrual amount pledge financing system and a block chain-based credit insurance pledge financing method aiming at the defects of the prior art.

The purpose of the invention is realized by the following technical scheme: a credit insurance accrual pledge financing system based on a block chain comprises a user management module, a credit granting management module, a financing service management module, a receipt and payment management module and an abnormal claim settlement management module;

the user management module is used for registering and managing user basic information, distributing public and private keys for users who are successfully registered for processing and trading of linked information, and encrypting and linking the user basic information; the users comprise system administrators, insurance managers, insurance companies and supply chain enterprises; the supply chain enterprise comprises a supplier and a core enterprise;

the credit management module is used for granting credit limit to the supply chain enterprise by the maintainer, and specifically comprises the following steps: after the supply chain enterprise registers as a user, a manager sets the supply chain enterprise as a supplier or a core enterprise, associates the supplier and the core enterprise of the same supply chain, and grants the supply chain enterprise credit line; recording the allocation of credit limit on the block chain;

the financing service management module is used for a supplier to apply for financing and to receive and repay from a policy holder; the financing application is initiated by the trade data assets uploaded to the underwriter by the supplier and the insurance policy signed by the supplier and the insurance company, financing interest is generated after the insurance policy is audited by the insurance company, the trade data assets are audited by the core enterprise, the insurance policy and the trade data assets are audited by the insurance company, and the financing application of the supplier is released after the insurance company receives the financing interest; at the moment, the policy holder generates corresponding accounts receivable for the supplier, and the supplier generates corresponding accounts receivable for the core enterprise; the collection repayment refers to that when the receivable is due, the supplier receives the receivable from the core enterprise, the manager receives the receivable from the supplier, and the supplier redeems the trade data assets which are pledged to the manager when applying for financing; the trade data assets comprise trade contract information and invoice information between a supplier and a core enterprise; chaining the whole operation processes of financing application and collection and repayment; encrypting and serializing the trade data assets and the policy and storing the serialized trade data assets and the policy on a block chain;

the collection and payment management module is used for managing financing interest generated during financing application and corresponding collection and payment operations, and specifically comprises the following steps: the manager sets the financing interest fee and informs the payment enterprise to pay, and then the financing interest is collected from the payment enterprise through the collection and payment management module; the payment enterprise is a supplier or a core enterprise and is determined by a manager; chaining the whole collection and payment operation process of financing interest;

the abnormal claim settlement management module is used for a policy holder or a supplier to apply for claim settlement from an insurance company when collection and payment fail, the insurance company accepts the claim settlement application, checks related policy information and trade data assets, and performs insurance payment operation after the checking is passed; and linking the whole operation process of claim settlement.

Further, the user management module may choose to become an underwriter, insurance company, or supply chain enterprise upon user registration.

Furthermore, the credit line in the credit management module comprises an agreement financing line granted to the core enterprise and an applicable financing line granted to the supplier.

Further, the suppliers include multi-stage suppliers, wherein one stage supplier can distribute the granted applicable financing amount to the inferior suppliers.

Furthermore, the financing service management module is not higher than the financing amount that can be applied by the supplier and is not higher than the financing amount agreed by the core enterprise.

A financing method based on a financing system comprises the following steps:

(1) the insurance manager, the insurance company and the supply chain enterprise register as users through the user management module;

(2) the insurance manager sets the supply chain enterprise as a supplier or a core enterprise through the credit granting management module, associates the supplier and the core enterprise of the same supply chain and grants the credit granting amount to the supply chain enterprise;

(3) the supplier uploads trade data assets which are pledged to the manager by the quality and insurance policies signed by the supplier and the insurance company through the financing service management module, and initiates financing application; after an insurance company reviews the insurance policy, a core enterprise reviews the trade data assets, and an insurance manager reviews the insurance policy and the trade data assets in sequence, financing information is generated, the insurance manager sets financing information cost through the collection and payment management module and informs a payment enterprise to pay, then the collection and payment management module collects financing information, and the financing service management module releases financing application of a supplier; at the moment, the policy holder generates corresponding accounts receivable for the supplier, and the supplier generates corresponding accounts receivable for the core enterprise; the payment enterprise is a supplier or a core enterprise and is determined by a manager;

(4) when the receivable accounts are due, the supplier receives the receivable accounts from the core enterprise, the policy holder receives the receivable accounts from the supplier, and the supplier redeems the trade data assets which are pledged to the policy holder during the financing application; the trade data assets comprise trade contract information and invoice information between a supplier and a core enterprise;

when the insurance manager or the supplier fails to receive the receivable accounts, the abnormal claim settlement management module applies for claim settlement to the insurance company, the insurance company accepts the claim settlement application, reviews the related policy information and the trade data assets, and performs insurance deposit operation after the review is passed.

The invention has the beneficial effects that: the invention introduces an insurance mechanism into the traditional 1+ N financing mode, weakens the core of an enterprise and the concept of a supplier by adding the insurance to the receivable accounts of the financing party, emphasizes the concept of buying the seller, introduces the wind control of a bank and an insurance company compared with the traditional method which is only limited to a certain core enterprise, reduces the risk of the financing party, guarantees the quality of the receivable accounts and can make the receivable accounts wider in scale.

The invention also combines the supply chain, the block chain and the credit risk well to solve the problems of safety and transparency, changes the existing system storage and transmission structure after adopting the distributed account book with the block chain decentralized, establishes a safer operation mode, chains the whole transaction process, ensures that the transaction process has the characteristic of traceable history and a brand-new continuous endorsement mechanism, truly reflects the transfer process of asset data rights, solves the problems of malicious falsification and multi-party synchronization of information, ensures that the accounts to be collected and financed are more reliable and firm under the condition of credit protection, and can solve the pain points of difficult financing and inconsistent information of small and medium-sized enterprises.

Drawings

FIG. 1 is an overall architecture diagram of a credit accrual pledge financing system;

FIG. 2 is a flow diagram of a block chain based credit insurance accrual pledge financing method;

FIG. 3 is a flow chart of a method for payment with a credit receivable in a block chain.

Detailed Description

The present invention is described in detail below with reference to the accompanying drawings.

As shown in fig. 1, the present invention is a block chain-based credit insurance accrual amount pledge financing system and method, the credit insurance accrual amount pledge financing system comprises the following modules:

1) and the user management module is used for registering and managing the basic information of the user, distributing public and private keys for the user who successfully registers, processing and trading the information on the chain, and simultaneously encrypting and linking the basic information of the user. The users comprise 4 main role types of platform side, insurance manager, insurance company and supply chain enterprise; the platform side is a system administrator; the supply chain enterprise includes a supplier and a core enterprise.

The user registration specifically comprises: when the enterprise is registered, one of three roles of a manager, an insurance company and a supply chain enterprise is selected, the platform side can carry out wind control authentication on the enterprise in the registration process, and the enterprise becomes a user after the audit is passed. The wind control authentication comprises real-name authentication of a registrant, real-name authentication of an enterprise and verification of an enterprise authorization principal; the enterprise authorization principal is used for authorizing the system to use the enterprise information.

2) The credit management module is used for granting the credit line granted by the maintainer to the supply chain enterprise; the credit line comprises an agreed financing line granted to the core enterprise and an applicable financing line granted to the supplier. After the supply chain enterprise is registered as a user, firstly, a warranty stores set the supply chain enterprise as a supplier or a core enterprise, and associates the supplier and the core enterprise of the same supply chain; at the same time, the core enterprise is granted the agreement of the financing amount, and the supplier is granted the application of the financing amount; the financing amount can be applied for the supplier to apply for financing. The suppliers comprise multi-stage suppliers, and the first-stage suppliers can distribute the granted applicable financing amount to the lower-stage suppliers to achieve a certain degree of wind control effect. The allocation of credit limit is recorded on the blockchain.

3) The system comprises a trade asset management module, a data processing module and a data processing module, wherein the trade asset management module is used for managing trade data assets generated in the transaction process between a supplier and a core enterprise and insurance policies signed by the supplier and an insurance company; the trade data assets comprise trade contract information and invoice information. The management of the trade data assets comprises uploading and downloading of trade data asset files, recording uploading and downloading time and verifying invoice. The uploaded trade data asset file and policy will be encrypted and serialized and stored on the blockchain.

4) The financing service management module is used for a supplier to apply for financing and pay for collection from a guarantee manager; as shown in fig. 2, the financing application is that the supplier uploads trade data assets which are pledged to the manager and insurance policy signed by the manager, after the insurance policy is audited by the insurance company, the core enterprise audits the trade data assets, the manager audits the insurance policy and the trade data assets, a financing interest is generated, the manager releases the financing application of the supplier after receiving the financing interest, meanwhile, the supplier generates corresponding receivable accounts for the core enterprise, and the pledge operation debt relationship is not transferred; as shown in FIG. 3, the collection repayment refers to the redemption of the trade data asset credited to the policy holder by the supplier to the core enterprise when the receivable expires, and the redemption of the receivable by the policy holder to the supplier. Wherein, the application amount is not higher than the applicable financing amount and is not higher than the agreed financing amount of the core enterprise associated with the application amount.

And chaining the whole operation process of financing application and collection payment, wherein the operation process comprises an operator, operation time, operation service number and operation service result.

5) The collection and payment management module is used for managing financing information generated in the financing process and corresponding collection and payment operations; generating financing interest after the financing application and the verification are passed, setting financing interest cost by the policy holder and informing the payment enterprise to pay; and the policy manager collects financing information to the payment enterprises through the collection and payment management module. The payment enterprise is a supplier or a core enterprise, determined by an insurer. Chaining the whole collection and payment operation process of the financing interest, wherein the operation process comprises an operator, operation time, an operation service number and an operation service result.

6) And the statistical report module is used for system data query and data statistics.

The system data query and statistics include: the platform side checks the number of various enterprises in the user, the policy holder checks the credit line granted to the supply chain enterprise and the using condition thereof, the supplier checks the completed financing application, all the users check the balance condition of accounts receivable related to the users and the chain information inquiry management; the on-chain information query management comprises the height of the chain, the node information of the chain, the state of the chain and the on-chain transaction information.

7) The abnormal claim settlement management module is used for applying for claim settlement to an insurance company when collection and payment fail; when the insurance manager or the supplier fails to receive the due accounts receivable through the financing service management module, applying for claim settlement to the insurance company, the insurance company accepts the claim settlement application, reviews the related policy information and the trade data assets, and performs insurance deposit operation after the review is passed; and linking the whole claim settlement operation process, wherein the operation process comprises an operator, operation time, operation service numbers and operation service results.

The bottom layer of the financing system is provided with a block chain platform, nodes are mutually identified, multiple backup of data is realized, and the data cannot be tampered. And the service logic is written and operated on the block chain through an intelligent contract, so that the writing of the service logic in the block chain is realized. The functions of user management, product management, transaction data management, financing service and the like defined by the intelligent contract can record each transaction record and state into the block chain by calling an intelligent contract interface. Therefore, the bottom layer of the block chain can realize the input, transfer, query and source tracing of information.

The financing system of the invention calls the associated system service to complete the system function and operate the service, and is easy for the role in the system to perform the relevant operation. A monitoring platform is constructed at the periphery of a credit insurance cashing and mortgage financing system, block information, node states and the current running state of the platform can be monitored in real time, and meanwhile transaction information occurring on the blocks can be checked in real time. For system management personnel, the system state can be intuitively perceived, the operation, maintenance and management of the platform are facilitated, and the system safety is improved.

A financing method based on the system comprises the following steps:

1) uploading of trade materials

The supplier needs to upload trade materials before financing, wherein the trade materials comprise trade contract information, invoice information and the like, and the materials are allowed to be uploaded formally after the invoice is verified and the like.

2) Credit granting

After the enterprise registration and verification pass, the security manager grants the related core enterprise invoiceable amount and grants the supply financable amount, the provider makes an invoicing application to the security manager, the application process fills in the application amount, selects trade materials uploaded in trade asset management and uploads a policy signed by an insurance company, the core enterprise performs verification after the application is completed, the core enterprise performs verification after the verification of the core enterprise, the security manager signs out the issued bill after the verification of the security manager passes, the provider can use the bill to finance the security manager within the financable amount after the receipt is confirmed, and issued bill information is linked up.

3) Financing application

The supplier applies for financing to the insurance provider, applies for the appointed financing payer, the applied amount is not higher than the credit applicable amount, and at the same time is not higher than the core enterprise agreed financing amount, if the insurance adding is selected, the insurance is applied first and the line insurance agreement signing is completed, then the insurance company checks, after the checking is passed, the insurance policy is embodied in the module 3), after the insurance adding is successful, the financing application is continued to be checked by the core enterprise, then the insurance provider applies for accepting, after the acceptance is passed, the module 5) is entered for collecting payment management for financing interest collection, after the collection is completed, the financing operation is performed, the supplier confirms the collection again, and the financing process is finished. When the receivable accounts are due, the policy holder makes a collection and a repayment to the core enterprise, if the collection and the repayment fail, the policy holder can apply for abnormal claim settlement, and the whole financing operation is linked.

4) Receipt and payment

After the acceptance of the insurance manager in the financing management is passed, the insurance manager generates a financing interest fee collection and payment, after the financing interest fee is set by the insurance manager, the insurance manager informs the payment enterprise to pay, the payment enterprise enters the payment column to carry out the payment operation, and the insurance manager enters the payment column to confirm that the whole collection and payment function of the charging is finished. And jumping to a financing module for financing and paying operation, and performing chain linking on the whole collection and payment operation.

5) Abnormal claim settlement

When the receivable accounts are due, the collection and the repayment are abnormal, the maintainer enters the module 4) to find out corresponding abnormal items, applies for abnormal claims, ensures the policy information when applying, determines whether the transaction information is correct and reasonable, fills in the application reason, adds a record to be accepted by the module corresponding to the insurance company after applying, releases the money on line and accepts the money after the insurance company determines the information again, and finishes the abnormal claims after the maintainer confirms the collection, and carries out the chain linking in the whole operation.

Claims (6)

1. A credit insurance accrual pledge financing system based on a block chain is characterized by comprising a user management module, a credit granting management module, a financing service management module, a receipt and payment management module and an abnormal claim settlement management module.

The user management module is used for registering and managing user basic information, distributing public and private keys for users who are successfully registered for processing and trading of linked information, and encrypting and linking the user basic information; the users comprise system administrators, warranty managers, insurance companies, supply chain enterprises and the like; the supply chain enterprise includes a supplier and a core enterprise.

The credit management module is used for granting credit limit to the supply chain enterprise by the maintainer, and specifically comprises the following steps: after the supply chain enterprise registers as a user, a manager sets the supply chain enterprise as a supplier or a core enterprise, associates the supplier and the core enterprise of the same supply chain, and grants the supply chain enterprise credit line; the allocation of credit limit is recorded on the blockchain.

The financing service management module is used for a supplier to apply for financing and to receive and repay from a policy holder; the financing application is initiated by the trade data assets uploaded to the underwriter by the supplier and the insurance policy signed by the supplier and the insurance company, financing interest is generated after the insurance policy is audited by the insurance company, the trade data assets are audited by the core enterprise, the insurance policy and the trade data assets are audited by the insurance company, and the financing application of the supplier is released after the insurance company receives the financing interest; at the moment, the policy holder generates corresponding accounts receivable for the supplier, and the supplier generates corresponding accounts receivable for the core enterprise; the collection repayment refers to that when the receivable is due, the supplier receives the receivable from the core enterprise, the manager receives the receivable from the supplier, and the supplier redeems the trade data assets which are pledged to the manager when applying for financing; the trade data assets comprise trade contract information and invoice information between a supplier and a core enterprise; chaining the whole operation processes of financing application and collection and repayment; and encrypting and serializing the trade data assets and the policy and storing the serialized trade data assets and the policy on a block chain.

The collection and payment management module is used for managing financing interest generated during financing application and corresponding collection and payment operations, and specifically comprises the following steps: the manager sets the financing interest fee and informs the payment enterprise to pay, and then the financing interest is collected from the payment enterprise through the collection and payment management module; the payment enterprise is a supplier or a core enterprise and is determined by a manager; the entire collection and payment process of financing interest is linked.

The abnormal claim settlement management module is used for a policy holder or a supplier to apply for claim settlement from an insurance company when collection and payment fail, the insurance company accepts the claim settlement application, checks related policy information and trade data assets, and performs insurance payment operation after the checking is passed; and linking the whole operation process of claim settlement.

2. The blockchain-based credit insurance accrual and collateral financing system of claim 1, wherein the user management module, when registered with the user, may choose to become a sponsor, insurance company or supply chain enterprise.

3. The block chain based credit receivable pledge financing system of claim 1, wherein the credit line in the credit management module includes an agreed financing line granted to the core enterprise and an applicable financing line granted to the supplier.

4. The blockchain-based credit insurance accrual system of claim 3, wherein the suppliers include multiple levels of suppliers, wherein one level of suppliers may distribute the granted applicable financing amount to its subordinate suppliers.

5. The block chain based credit risk accrual pledge financing system as claimed in claim 3, wherein the financing service management module is configured such that the credit line of the supplier financing application is not higher than the applicable financing credit line and not higher than the agreed financing credit line of the core enterprise.

6. A financing method for the block chain based credit insurance accredited collateral financing system according to claim 1, characterized by comprising the steps of:

(1) the insurance manager, the insurance company and the supply chain enterprise register as users through the user management module;

(2) the insurance manager sets the supply chain enterprise as a supplier or a core enterprise through the credit granting management module, associates the supplier and the core enterprise of the same supply chain and grants the credit granting amount to the supply chain enterprise;

(3) the supplier uploads trade data assets which are pledged to the manager by the quality and insurance policies signed by the supplier and the insurance company through the financing service management module, and initiates financing application; after an insurance company reviews the insurance policy, a core enterprise reviews the trade data assets, and an insurance manager reviews the insurance policy and the trade data assets in sequence, financing information is generated, the insurance manager sets financing information cost through the collection and payment management module and informs a payment enterprise to pay, then the collection and payment management module collects financing information, and the financing service management module releases financing application of a supplier; at the moment, the policy holder generates corresponding accounts receivable for the supplier, and the supplier generates corresponding accounts receivable for the core enterprise; the payment enterprise is a supplier or a core enterprise and is determined by a manager;

(4) when the receivable accounts are due, the supplier receives the receivable accounts from the core enterprise, the policy holder receives the receivable accounts from the supplier, and the supplier redeems the trade data assets which are pledged to the policy holder during the financing application; the trade data assets comprise trade contract information and invoice information between a supplier and a core enterprise;

when the insurance manager or the supplier fails to receive the receivable accounts, the abnormal claim settlement management module applies for claim settlement to the insurance company, the insurance company accepts the claim settlement application, reviews the related policy information and the trade data assets, and performs insurance deposit operation after the review is passed.

Images