CN111179072A - Credit right transfer method and system based on block chain - Google Patents
Credit right transfer method and system based on block chain Download PDFInfo
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- CN111179072A CN111179072A CN201811347874.9A CN201811347874A CN111179072A CN 111179072 A CN111179072 A CN 111179072A CN 201811347874 A CN201811347874 A CN 201811347874A CN 111179072 A CN111179072 A CN 111179072A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention relates to a creditor transfer method and a system based on a block chain, which are characterized in that creditor pass certificates with corresponding quantity are issued on the block chain of the system based on credible actual creditor relationship; when the debt is due or the repayment time point is reached, the system recovers the debt right permit and transfers legal currency equivalent to the debt right permit into a debtor account on the system block chain; when the debt is not due, the debtor issues a equity pass based on the equity pass on a system blockchain; and paying the stock right certificate. By adopting the double-certification circulation system with the simultaneous use of the debt and stock right certificates, the system constructed based on the block chain has the characteristics of data non-falsification, non-repudiation and public and transparent transaction, can faithfully record the distribution condition of debt relation and stock right dividend equity, guarantees the equity of a debt and a stock right person by combining with an intelligent contract which can be automatically executed, and can provide effective data security guarantee and privacy protection for the debt and the stock right person.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a creditor transfer method and system based on a block chain.
Background
As socio-economic developments, debt needs are increasing. The current credit and debt transfer mode can not adapt to the social credit system developed by the new era credit society.
The block chain is a chain data structure formed by connecting data in a block mode in time sequence, and a distributed account book which is not falsifiable and counterfeitable of the data is guaranteed in a cryptographic mode. Specifically, the blockchain technology is a brand new distributed computing paradigm that is built on a peer-to-peer network, utilizes a chain data structure to verify and store data, utilizes a distributed node consensus algorithm to generate and update data, utilizes cryptography to ensure the security of data transmission and access, and utilizes an intelligent contract composed of automated script codes to program and operate data.
In order to meet the debt requirements of current social organizations and individuals for rapid development, a social credit system conforming to the development of new era creditor society is imperative.
Disclosure of Invention
The technical problem to be solved by the present invention is to provide a credit transfer method and system based on a block chain, aiming at the above-mentioned defects in the prior art.
The technical scheme adopted by the invention for solving the technical problems is as follows:
a creditor transfer method based on a block chain is constructed, wherein the creditor transfer method comprises the following steps:
issuing a corresponding number of creditor passes on a system blockchain based on the credible actual creditor relationship, the creditor passes containing creditor validation start and expiration times;
when the debt is due or the repayment time point is reached, the system recovers the debt permit and transfers legal currency equivalent to the debt permit into a debtor account on the system block chain;
when the debt is not due, the debtor issues a equity pass certificate based on the equity pass certificate on a system blockchain, wherein the equity pass certificate is held by the debtor;
and in the circulation and effective period of the equity pass, after the regular income settlement of the issuing main body is finished, the system transfers legal currency with the profit sharing equivalent corresponding to the proportion into a creditor account with the equity pass on a system block chain according to the agreement of the equity pass issuing condition and the proportion of the holding shares.
The creditor transfer method further comprises the following steps:
before the debt corresponding to the debt right permit expires, the debt right permit is converted into an equity permit according to the conversion proportion agreed by the equity permit according to the request of a creditor holding the debt right permit.
The creditor transfer method further comprises the following steps:
and before the debt corresponding to the debt permit expires, issuing information of selling the debt permit of the debt permit to other users in a system blockchain according to the request of the debt permit holding the debt permit.
The creditor transfer method further comprises the following steps:
and when the transaction limiting conditions of the equity pass permit, exchanging the equity pass into the debt pass according to the agreed proportion according to the request of the equity pass holder.
The invention relates to a debt transfer method, wherein the issuance of a debt pass is based on actual debts, the actual debts take legal currency as an accounting unit, the accounting unit corresponds to one debt pass, the issuance quantity is the sum of debt principal and debt interest due, and the accounting unit is unit legal currency.
The creditor circulation method is characterized in that the issuing conditions of the equity pass are set by the issuer, and include but not limited to the dividend equity validation time, the equity termination condition, the transaction limiting condition and the exchange proportion of the equity pass.
The creditor circulation method provided by the invention is characterized in that the user of the system block chain is an organization or an individual.
The creditor transfer method further comprises the following steps:
before the debtor issues the equity certification based on the equity certification on the system block chain, the debtor publishes the service data information in the system block chain, and the equity certification is issued again under the condition that the system detects the service data information and the stipulation.
The invention also provides a credit transfer system based on the block chain, which comprises a system block chain platform, wherein the system block chain platform further comprises:
the credit management platform is used for issuing a corresponding number of credit certificates on a system blockchain based on the credible actual credit relationship, and the credit certificates comprise the credit validation start time and the expiration time;
when the debt is due or the repayment time point is reached, the system recovers the debt permit and transfers legal currency equivalent to the debt permit to a debtor account on a system block chain;
the equity management platform is used for issuing an equity certificate based on the equity certificate on a system blockchain by a debtor when the debt is not due, and the equity certificate is held by the debtor;
and the equity management platform transfers legal currency with the profit sharing equivalent of the corresponding proportion into a creditor account with the equity negotiable certificate on a system block chain according to the agreement of the issuance condition of the equity negotiable certificate and the holding share proportion after the issuance subject completes the regular income settlement in the circulation and validation period of the equity negotiable certificate.
The creditor circulation system of the invention further comprises: and the income management platform is used for clearing debt, cost and dividend.
The creditor circulation system of the invention further comprises: a risk control platform for identity authentication, debtor credit rating, debt risk assessment, investor credit rating, investor risk assessment of organizations and individuals.
The creditor circulation system of the invention further comprises: the digital asset wallet is used for checking legal currency, credit and equity negotiable, management of income, transfer and cash and various account details.
The invention has the beneficial effects that: a block chain based credit transfer method and system take an organization or an individual as a basic credit subject, namely a debtor. The debt person meets the self development requirement and establishes a debt relationship with the creditor. Debtors can pay debts through the value they create, and can also fund by issuing shares based on the expectation of the value they create, i.e. issue a stock right certificate, to meet the business development needs. Based on the double-certification circulation system for simultaneously using the debt permit and the stock permit, the system constructed based on the block chain has the characteristics of data non-falsification, non-repudiation and transparent transaction disclosure, can faithfully record the distribution condition of debt relation and stock right dividend equity, and guarantees the equity of a debt person and a stock right person by combining with an intelligent contract which can be automatically executed. Meanwhile, the data encryption of the block chain can provide effective data security guarantee and privacy protection for the creditor.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the present invention will be further described with reference to the accompanying drawings and embodiments, wherein the drawings in the following description are only part of the embodiments of the present invention, and for those skilled in the art, other drawings can be obtained without inventive efforts according to the accompanying drawings:
FIG. 1 is a general flow chart of a creditor transfer method according to a preferred embodiment of the invention;
FIG. 2 is a flow chart of the issuer of the creditor circulation method according to an embodiment of the present invention;
FIG. 3 is a flow chart of a creditor subscription method of the embodiment of the present invention;
fig. 4 is a schematic block diagram of the creditor circulation system according to the preferred embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the following will clearly and completely describe the technical solutions in the embodiments of the present invention, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without inventive step, are within the scope of the present invention.
The creditor transfer method based on the block chain of the embodiment of the invention has a flow as shown in fig. 1, and comprises the following steps:
step S11, based on the credible actual debt relationship, issuing a corresponding amount of debt permit on the system block chain, wherein the debt permit comprises debt effective start and expiration time;
step S12, when the debt is due or the repayment time point is reached, the system recovers the debt right permit and transfers legal currency equivalent to the debt right permit to the debtor account on the system block chain;
step S13, when the debt is not due, the debtor issues a equity pass certificate based on the equity pass certificate on the system blockchain, and the equity pass certificate is held by the debtor;
and step S14, in the circulation and validation period of the equity pass, after the regular income settlement of the issuing subject is completed, the system transfers the legal currency with the profit sharing equivalent of the corresponding proportion into the creditor account with the equity pass on the system block chain according to the agreement of the issuance condition of the equity pass and the holding share proportion.
The credit transfer method based on the blockchain in this embodiment uses an organization or an individual as a basic debt subject, i.e., a debtor. The debt person meets the self development requirement and establishes a debt relationship with the creditor. Debtors can pay debts through the value they create, and can also fund by issuing shares based on the expectation of the value they create, i.e. issue a stock right certificate, to meet the business development needs. Based on the double-certification circulation system for simultaneously using the debt permit and the stock permit, the system constructed based on the block chain has the characteristics of data non-falsification, non-repudiation and transparent transaction disclosure, can faithfully record the distribution condition of debt relation and stock right dividend equity, and guarantees the equity of a debt person and a stock right person by combining with an intelligent contract which can be automatically executed. Meanwhile, the data encryption of the block chain can provide effective data security guarantee and privacy protection for the creditor.
In the block chain-based debt transfer method, the issuance of the debt permit is based on actual debts, the actual debts take legal currency as an accounting unit, the accounting unit corresponds to one debt permit, the issuance number is the sum of the debt principal and the debt interest due, and the accounting unit is the unit legal currency. This allows the creditor pass to demonstrate value and technical security, with a value consistent with the value of the debt, as compared to the legal currency 1: 1 value binding. The liability pass contains the liability validation start and expiration time. When the debt is due, the system can recover the debt pass and transfer equivalent legal currency into the debtor account, i.e. the legal currency account.
In a further embodiment, the credit circulation method based on the blockchain further includes the following steps: before the debt corresponding to the debt right permit expires, the debt right permit is converted into the equity permit according to the conversion proportion agreed by the equity permit according to the request of the creditor holding the debt right permit. That is, the creditor can convert the creditor and the equity certificate within the validity period of the creditor and the equity certificate, so that the transfer between the creditor and the equity certificate is realized.
In a further embodiment, the credit circulation method based on the blockchain further includes the following steps: and when the transaction limiting conditions of the equity pass permit, exchanging the equity pass into the debt pass according to the agreed proportion according to the request of the holder of the equity pass. Namely: the creditor can convert the credit right certificate and the creditor into a credit right certificate within the validity period of the credit right certificate, so that the transfer between the credit right certificate and the credit right certificate is realized.
In a further embodiment, the credit circulation method based on the blockchain further includes the following steps: before the debt corresponding to the debt pass expires, according to the request of the debtor holding the debt pass, the information of selling the debt pass of the debt pass is issued to other users in the system blockchain. Namely: the creditor can sell the creditor to other users on the system block chain within the validity period of the creditor pass, so that mutual circulation of the creditor pass among different users is realized.
In a further embodiment, in the block chain based debt circulation method, the conditions for issuing the equity pass are set by the issuer, including but not limited to the time for taking the dividend equity into effect, the conditions for terminating the equity, the conditions for limiting the transaction, and the proportion of exchanging the equity pass. The issuance of the creditor pass is subject to automatic compliance and strict manual auxiliary examination of a system risk control system, so that creditors can unconditionally recover interest when the debts are due, and examination items include but are not limited to identity authentication of the debts and the creditor body, credit risk assessment of the debt body, application examination of funds collected by issuing the debts and the like.
In a further embodiment, in the credit transfer method based on the blockchain, the user of the system blockchain is an organization or an individual, that is, a creditor or a debtor.
In a further embodiment, the credit circulation method based on the blockchain further includes the following steps:
before a debtor issues a stock right permit based on the stock right permit on a system block chain, business data information of the debtor is published in the system block chain, and the stock right permit is issued again under the condition that a system detects the business data information and stipulates the business data information. The issuance of the equity pass is based on the creditor pass, that is, the equity pass can only be exchanged through the held creditor pass, or when the creditor purchases the creditor pass, the creditor is distributed to the creditor according to a certain proportion by the issuer, so that the creditor is incentivized by the issuer to continuously provide fund support to the creditor.
In another embodiment of the present invention, a credit circulation system based on a block chain is further provided, as shown in fig. 4, including a system block chain platform, further including: the credit management platform is used for issuing a corresponding number of credit certificates on the system blockchain based on the credible actual credit relationship, and the credit certificates comprise the credit validation start time and the expiration time; when the debt is due or reaches the repayment time point, the system recovers the debt permit and transfers legal currency equivalent to the debt permit to a debtor account on the system block chain; the system also comprises an equity management platform, a credit management platform and a credit management platform, wherein the equity management platform is used for issuing an equity pass certificate based on the equity pass certificate on a system block chain by a debtor when the debt is not due, and the equity pass certificate is held by the debtor; the equity management platform transfers legal currency with red profit equivalent corresponding to proportion into a creditor account with equity pass certificate on a system block chain according to share proportion after the regular income settlement of an issuing main body is completed in the circulation and validation period of the equity pass certificate and the agreement of the issuing condition of the equity pass certificate.
The system blockchain platform comprises: the system comprises an underlying blockchain system, a blockbrowser, an application interface and a management tool. The specific description is as follows:
(1) and a bottom layer block chain system: the system comprises a block data storage module, a distributed network module, a consensus algorithm module, an intelligent contract module, a data encryption module, a data fingerprint extraction module and other core modules;
(2) and a management tool: platform monitoring, node network state, node deployment, system upgrade and the like;
(3) and a block browser: browsing and inquiring transaction data, browsing block data, inquiring transaction association relation, inquiring transaction subject association relation and the like;
(4) and an application interface: and the application interaction interface is opened to an external service system.
The credit circulation system based on the blockchain in the embodiment takes an organization or an individual as a basic debt subject, namely a debtor. The debt person meets the self development requirement and establishes a debt relationship with the creditor. Debtors can pay debts through the value they create, and can also fund by issuing shares based on the expectation of the value they create, i.e. issue a stock right certificate, to meet the business development needs. Based on the double-certification circulation system for simultaneously using the debt permit and the stock permit, the system constructed based on the block chain has the characteristics of data non-falsification, non-repudiation and transparent transaction disclosure, can faithfully record the distribution condition of debt relation and stock right dividend equity, and guarantees the equity of a debt person and a stock right person by combining with an intelligent contract which can be automatically executed. Meanwhile, the data encryption of the block chain can provide effective data security guarantee and privacy protection for the creditor.
Further, the credit circulation system based on the blockchain further includes: and the income management platform is used for clearing debt, cost and dividend.
Further, the credit circulation system based on the blockchain further includes: a risk control platform for identity authentication, debtor credit rating, debt risk assessment, investor credit rating, investor risk assessment of organizations and individuals. The method specifically comprises the following steps:
(1-1) identity authentication: checking the identity authentication application of the user and checking the identity information of the user;
(1-2), debtor/investor credit rating: management of rating rules, rating data sources, credit ratings, etc.;
(1-3), debt/investment risk assessment: auditing and managing debt types, debt/investment associated services, investment fund sources, risk levels and the like;
further, the credit circulation system based on the blockchain further includes: the digital asset wallet is used for checking legal currency, credit clearance, equity clearance, management of income, transfer and cash, and checking various account details. The method specifically comprises the following steps:
(2-1) identity management: identity authentication application and authenticated identity check of the user and the like;
(2-2), key management: assisting a user to generate and use a key pair or a key pair sequence associated with the authenticated identity, and using the key pair or the key pair sequence to carry out transaction in the transaction process so as to ensure transaction, asset security and identity identification;
(2-3), digital asset management: checking legal currency, credit and stock right, managing income, transfer and exchange, and checking various account details.
Specifically, the block chain based credit circulation system has two digitalized rights and interests, which are called as pass certificates, namely a credit pass certificate and a stock pass certificate. Wherein, the creditor pass is the pass of the debt endorsement of the organization or the individual, and the equity pass is the pass of the organization or the individual which creates the value expectation by itself. Correspondingly, there are three types of accounts in the system, namely, a bond pass account, a stock pass account and a legal tender account.
The issuance of the debt right certificate is based on actual debt, the actual debt takes legal currency (RMB) as an accounting unit, the accounting unit (namely unit legal currency) corresponds to one debt right certificate, and the issuance quantity is the sum of the debt principal and the debt interest due; the debt pass contains the debt validation start and expiration times; when the debt is due, the system can recover the debt right and transfer equivalent legal currency into (the legal currency account of) the debtor account; the issuance of the debt right permit is subject to automatic compliance and strict manual auxiliary examination of a system risk control system, so that a debt person can unconditionally withdraw the interest when the debt is due, and examination items include but are not limited to identity authentication of the debt and the debt subject, credit risk evaluation of the debt subject, use examination of funds collected by issuing the debt subject and the like; the creditor right certificate can carry out transfer transaction in the system, and the creditor right can be completely transferred according to the creditor relationship when the transaction is completed; the creditor pass proves value and technical security, the value of which is consistent with the value of the debt, and the value of which is consistent with the legal currency 1: 1, value binding; the debtor issues corresponding credit permit according to the value of each pair of debt relations in the system, the credit permit is initially owned by the debtor, and the initially issued credit permit is automatically transferred to a credit permit account of the debtor.
The equity pass certificate corresponds to the value created by the organization or the individual, and the subject holding the equity pass certificate enjoys the dividend right of profit created by the corresponding organization or the individual operating business. The issuance of the stock pass certificate corresponds to the value creation capability of the issuing body. Has the following characteristics: the stock right general certificate is issued by the debtor (which can be an organization or an individual) in a limited total amount; the method comprises the following steps that when the stock right pass certificate is issued, an issuer sets issuing conditions, including dividend right effectiveness time, right termination conditions, transaction limiting conditions, exchange proportion with the debt right pass certificate and the like; the issuance of the equity pass is based on the creditor pass, namely, the equity pass can only be exchanged through the held creditor pass, or when the creditor purchases the creditor pass, the creditor distributes the creditor with a certain proportion by the issuer, so that the creditor is taken as an incentive for the issuer to continuously provide fund support for the creditor; in the circulation and effective period of the equity pass certificate, the organization or the individual holding the equity pass certificate can enjoy profit sharing with corresponding proportion according to the agreement of the issuing condition and the proportion of the held shares after the regular income settlement of the issuing main body is finished; when the issuer issues the stock right pass certificate, the income method and data source, and the proportion and mode of red sharing are disclosed in the system.
By combining the embodiments of the credit circulation method and system, a general circulation flow of the credit permit and the equity permit is as follows:
1. the system user can be an organization or an individual subjected to real-name identity authentication;
2. the user A submits the existing debt relation related file to the system, after the system is approved, the credit permit which can be purchased is issued in the system according to the debt condition, and the user A has the role of a debtor;
3. the user B subscribes the creditability pass issued by the user A at the price of the debt principal deposit, and the creditability pass has the characteristics;
4. before the debt corresponding to the debt permit expires, the user B can issue the debt permit selling requirement in the system according to the fund requirement, and other users can purchase the debt permit to be sold by the user B;
5. the user A publishes data such as business profit situation and the like in the system and issues a stock right permit certificate, and the stock right permit certificate has the characteristics;
6. before the debt is due, the creditor holding the creditor pass certificate can exchange the creditor pass certificate into the equity pass certificate according to the exchange proportion agreed by the equity pass certificate;
7. the equity pass certificate can be converted into a debt authority pass certificate according to an agreed proportion under the condition that the transaction limiting condition allows;
8. when the debt is due or the time point of the debt due is reached, the system deducts corresponding funds from the legal currency account of the user A and automatically transfers the corresponding funds to the legal currency account of the creditor, and meanwhile, recovers the corresponding amount of the debt pass.
With the embodiments of the credit transfer method and system, as shown in fig. 2, the general flow of the credit certification issuer is as follows:
step S21, user A carries out identity authentication on the system block chain platform;
step S22, the user A submits the existing debt relationship related certificate to the system block chain platform;
step S23, after the system block chain platform passes the examination, issuing an available credit permit in the system block chain platform according to the debt condition, wherein the user A has the role of a debtor;
step S24, the system blockchain platform determines whether the debt is due;
step S25, when the debt is due, the system deducts the corresponding fund from the legal currency account of the user A and automatically transfers the corresponding fund to the legal currency account of the creditor, and meanwhile, the corresponding amount of the debt pass is recovered;
step S26, when the debt is not due, the user A publishes the service profit situation and other data in the system;
step S27, the system block chain platform judges whether the service data is in compliance;
step S28, if the service data is in compliance, the stock right permit is issued, otherwise, the request is refused.
With reference to the embodiments of the credit transfer method and system, as shown in fig. 3, the general flow of the credit general certification and acceptance of the buyer is as follows:
step S31, user B carries out identity authentication on the system block chain platform;
step S32, the user B subscribes the creditability certificate issued by the user A at the price of the debitability principal, and the creditability certificate has the characteristics;
step S33, the system blockchain platform determines whether the debt is due;
step S34, when the debt is due, the system deducts the corresponding fund from the legal currency account of the user A and automatically transfers the fund to the legal currency account of the user B, and meanwhile, the corresponding amount of the debt right certificate is recovered;
while the debt is unexpired, user B may choose whether to subscribe or redeem a stock pass;
step S35, the system blockchain platform judges whether the user B meets the conditions of subscribing or exchanging the stock right certificate;
step S36, if yes, exchanging the stock right pass certificate;
and step S37, in the circulation and validation period of the equity pass, after the regular income settlement of the issuing subject is completed, the system transfers the legal currency with the profit sharing equivalent of the corresponding proportion into the account of the user B on the system block chain platform according to the agreement of the issuance condition of the equity pass and the holding share proportion.
In summary, the creditability transfer method and system based on the block chain are based on the credible block chain system, and by adopting the creditability certification and equity certification double-certificate transfer strategy, organizations and individuals can issue the creditable products meeting the development requirements of the organizations and individuals, and the creditable risks can be reduced to the maximum extent and the equity benefits of creditors can be guaranteed by combining with a practical risk control management tool. At the same time, organizations and individuals may obtain long-term financial support from creditors by issuing an autonomic value equity pass as an incentive to the creditors.
It will be understood that modifications and variations can be made by persons skilled in the art in light of the above teachings and all such modifications and variations are intended to be included within the scope of the invention as defined in the appended claims.
Claims (12)
1. A credit transfer method based on a block chain is characterized by comprising the following steps:
issuing a corresponding number of creditor passes on a system blockchain based on the credible actual creditor relationship, the creditor passes containing creditor validation start and expiration times;
when the debt is due or the repayment time point is reached, the system recovers the debt permit and transfers legal currency equivalent to the debt permit into a debtor account on the system block chain;
when the debt is not due, the debtor issues a equity pass certificate based on the equity pass certificate on a system blockchain, wherein the equity pass certificate is held by the debtor;
and in the circulation and effective period of the equity pass, after the regular income settlement of the issuing main body is finished, the system transfers legal currency with the profit sharing equivalent corresponding to the proportion into a creditor account with the equity pass on a system block chain according to the agreement of the equity pass issuing condition and the proportion of the holding shares.
2. The claim circulation method according to claim 1, further comprising the steps of:
before the debt corresponding to the debt right permit expires, the debt right permit is converted into an equity permit according to the conversion proportion agreed by the equity permit according to the request of a creditor holding the debt right permit.
3. The claim circulation method according to claim 1, further comprising the steps of:
and before the debt corresponding to the debt permit expires, issuing information of selling the debt permit of the debt permit to other users in a system blockchain according to the request of the debt permit holding the debt permit.
4. The claim circulation method according to claim 1, further comprising the steps of:
and when the transaction limiting conditions of the equity pass permit, exchanging the equity pass into the debt pass according to the agreed proportion according to the request of the equity pass holder.
5. The claim transfer method as claimed in claim 1, wherein the issuing of the claim of debt is based on actual debt, the actual debt is in legal currency as a billing unit, the billing unit corresponds to one claim of debt, the issuing amount is the sum of the principal of the debt and interest due to the debt, and the billing unit is in unit legal currency.
6. The claim circulation method of claim 1, wherein the conditions for issuing the equity pass are established by the issuer, including but not limited to, time of dividend equity validation, equity termination conditions, transaction qualification conditions, and proportion of redemption against the equity pass.
7. The creditor flow method of claim 1, wherein the user of the system blockchain is an organization or an individual.
8. The claim circulation method according to claim 1, further comprising the steps of:
before the debtor issues the equity certification based on the equity certification on the system block chain, the debtor publishes the service data information in the system block chain, and the equity certification is issued again under the condition that the system detects the service data information and the stipulation.
9. The utility model provides a creditor circulation system based on block chain, includes system block chain platform, its characterized in that still includes:
the credit management platform is used for issuing a corresponding number of credit certificates on a system blockchain based on the credible actual credit relationship, and the credit certificates comprise the credit validation start time and the expiration time;
when the debt is due or the repayment time point is reached, the system recovers the debt permit and transfers legal currency equivalent to the debt permit to a debtor account on a system block chain;
the equity management platform is used for issuing an equity certificate based on the equity certificate on a system blockchain by a debtor when the debt is not due, and the equity certificate is held by the debtor;
and the equity management platform transfers legal currency with the profit sharing equivalent of the corresponding proportion into a creditor account with the equity negotiable certificate on a system block chain according to the agreement of the issuance condition of the equity negotiable certificate and the holding share proportion after the issuance subject completes the regular income settlement in the circulation and validation period of the equity negotiable certificate.
10. The claim circulation system of claim 9, further comprising: and the income management platform is used for clearing debt, cost and dividend.
11. The claim circulation system of claim 9, further comprising: a risk control platform for identity authentication, debtor credit rating, debt risk assessment, investor credit rating, investor risk assessment of organizations and individuals.
12. The claim circulation system of claim 9, further comprising: the digital asset wallet is used for checking legal currency, credit clearance, equity clearance, management of income, transfer and cash, and checking various account details.
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| CN201811347874.9A CN111179072A (en) | 2018-11-13 | 2018-11-13 | Credit right transfer method and system based on block chain |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112184446A (en) * | 2020-09-30 | 2021-01-05 | 上海旺链信息科技有限公司 | Novel organization management processing method, system and storage medium based on block chain |
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