CN111210339A - Enterprise credit transfer method and device based on block chain electronic invoice - Google Patents
Enterprise credit transfer method and device based on block chain electronic invoice Download PDFInfo
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Abstract
The invention discloses an enterprise credit transfer method and device based on a block chain electronic invoice. The method applied to the bank side user side comprises the following steps: extracting trusted enterprise identification and trusted split file identification from the received trusted request; acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform; acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain; and generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate. The method is based on alliance block chain, block chain electronic invoice and database technology, and the credit limit of a bank is communicated among enterprises with transaction relations.
Description
Technical Field
The invention relates to the technical field of computer networks, in particular to an enterprise credit transfer method and device based on a block chain electronic invoice.
Background
The credit line given to a large enterprise with good financial condition by a general bank is very high, and the enterprise of the general bank often has the condition that the authorization line is not used up in operation. On the other hand, medium and small-sized enterprises such as suppliers and dealers of the enterprises often have strong financing requirements, but when loans are made to banks, the problems of difficult financing and expensive financing exist.
On the other hand, data such as a fund chain, a logistics chain, a value chain, a credit chain and the like related to the core enterprise are not effectively collected, stored and used at present. Further improvements are needed in methods of processing core enterprise business data based on database technology.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides an enterprise credit transfer method and device based on a block chain electronic invoice, and aims to solve the problem that the efficiency of the method for processing the current core enterprise operation data by a database technology is not high.
In a first aspect, the present invention provides an enterprise credit transfer method based on a blockchain electronic invoice, which is applied to a bank side user side, and includes:
extracting trusted enterprise identification and trusted split file identification from the received trusted request;
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain;
and generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate.
Further, the enterprise credit transfer method based on the blockchain electronic invoice further includes:
and issuing the fund issuance certificate to a credit authorization block chain so that the credit authorization enterprise downloads the fund issuance certificate.
Further, the enterprise credit transfer method based on the blockchain electronic invoice further includes:
when it is monitored that the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier,
transferring funds corresponding to the amount of the issued funds from an account corresponding to the trusted enterprise identification to a bank account according to the fund issuing voucher, and generating a fund recovery voucher, wherein the trusted enterprise identification, the trusted enterprise identification and the amount of the recovered funds are recorded in the fund recovery voucher;
and issuing the fund recovery voucher to a trust union block chain.
In a second aspect, the present invention provides an enterprise credit transfer device based on a block chain electronic invoice, configured at a bank side user end, including:
a trust request receiving unit, configured to:
extracting trusted enterprise identification and trusted split file identification from the received trusted request;
an electronic invoice data acquisition unit for:
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
a credit split file obtaining unit, configured to:
acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain;
a funds release voucher generating unit for:
generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate;
further, the enterprise credit transfer device based on the blockchain electronic invoice further includes:
a fund issuance credential issuing unit to:
and issuing the fund issuance certificate to a credit authorization block chain so that the credit authorization enterprise downloads the fund issuance certificate.
Further, the enterprise credit transfer device based on the blockchain electronic invoice further includes:
a fund recovery voucher generation unit for:
when it is monitored that the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier,
transferring funds corresponding to the amount of the issued funds from an account corresponding to the trusted enterprise identification to a bank account according to the fund issuing voucher, and generating a fund recovery voucher, wherein the trusted enterprise identification, the trusted enterprise identification and the amount of the recovered funds are recorded in the fund recovery voucher;
and issuing the fund recovery certificate to a trust alliance block chain so that the trusted enterprise downloads the fund recovery certificate.
In a third aspect, the present invention provides an enterprise credit transfer method based on a blockchain electronic invoice, which is applied to an enterprise user side, and includes:
extracting a trusted enterprise identifier and a credit split request limit from the received credit split request;
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
when the transaction amount related to the credit enterprise recorded in the electronic invoice data meets a preset splitting condition, generating a credit split file, wherein the credit split file is provided with a credit split file identifier, and the trusted enterprise identifier, the credit split file identifier and a credit split authorization amount are recorded in the credit split file;
and issuing the credit split file to a credit alliance block chain so that the trusted enterprise downloads the credit split file.
In a fourth aspect, the present invention provides an enterprise credit transfer device based on a blockchain electronic invoice, configured at an enterprise user end, including:
a credit split request receiving unit, configured to:
extracting a trusted enterprise identifier and a credit split request limit from the received credit split request;
an electronic invoice data acquisition unit for:
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
a credit split file generation unit, configured to:
when the transaction amount related to the credit enterprise recorded in the electronic invoice data meets a preset splitting condition, generating a credit split file, wherein the credit split file is provided with a credit split file identifier, and the trusted enterprise identifier, the credit split file identifier and a credit split authorization amount are recorded in the credit split file;
and issuing the credit split file to a credit alliance block chain so that the trusted enterprise downloads the credit split file.
In a fifth aspect, the present invention provides an enterprise credit transfer method based on a blockchain electronic invoice, which is applied to an enterprise user side, and includes:
acquiring electronic invoice data recorded as a seller by an authorized enterprise identifier from a block chain electronic invoice credible service platform;
extracting at least one authorized enterprise identifier and a transaction amount corresponding to the authorized enterprise identifier from the electronic invoice data;
and generating a credit split request according to the transaction amount corresponding to the authorized enterprise identification, wherein the credit split request records the trusted enterprise identification and credit split request amount.
In a sixth aspect, the present invention provides an enterprise credit transfer device based on a blockchain electronic invoice, which is applied to an enterprise user side, and includes:
an electronic invoice data acquisition unit for:
acquiring electronic invoice data recorded as a seller by an authorized enterprise identifier from a block chain electronic invoice credible service platform;
a transaction amount determination unit for:
extracting at least one authorized enterprise identifier and a transaction amount corresponding to the authorized enterprise identifier from the electronic invoice data;
a credit split request generation unit, configured to:
and generating a credit split request according to the transaction amount corresponding to the authorized enterprise identification, wherein the credit split request records the trusted enterprise identification and credit split request amount.
The invention provides an enterprise credit transfer method and device based on a block chain electronic invoice, which are based on an alliance block chain, and the credit limit and transaction information of a bank are communicated among enterprises with transaction relations; the block chain electronic invoice is used as a corroboration for trade authenticity, the core enterprise splits and transfers the credit line to the medium and small enterprises, a new application method is provided for the core enterprise operation data by utilizing the database technology, the medium and small enterprises are helped to realize convenient financing, the problems of difficult financing and expensive financing when the medium and small enterprises finance to banks at present are solved, and the development of Hewlett-packard finance can be greatly promoted.
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A more complete understanding of exemplary embodiments of the present invention may be had by reference to the following drawings in which:
fig. 1 is a schematic flowchart of an enterprise credit transfer method based on a blockchain electronic invoice applied to a bank-side user end according to a preferred embodiment of the present invention;
fig. 2 is a schematic composition diagram of an enterprise credit transfer device based on a blockchain electronic invoice applied to a bank-side user end according to a preferred embodiment of the present invention;
fig. 3 is a flowchart illustrating an enterprise credit transfer method based on a blockchain electronic invoice applied to an enterprise user end according to a preferred embodiment of the present invention;
fig. 4 is a schematic composition diagram of an enterprise credit circulation device based on block chain electronic invoices applied to an enterprise user side according to a preferred embodiment of the present invention;
fig. 5 is a flowchart illustrating an enterprise credit transfer method based on a blockchain electronic invoice applied to an enterprise user end according to a preferred embodiment of the present invention;
fig. 6 is a schematic diagram illustrating a block chain electronic invoice-based enterprise credit transfer device applied to an enterprise user end according to a preferred embodiment of the present invention;
FIG. 7 is a block chain based enterprise credit transfer system overall functional framework diagram of the present invention;
fig. 8 is a business model of an enterprise credit flow based on a block chain according to the present invention.
Detailed Description
The exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, however, the present invention may be embodied in many different forms and is not limited to the embodiments described herein, which are provided for complete and complete disclosure of the present invention and to fully convey the scope of the present invention to those skilled in the art. The terminology used in the exemplary embodiments illustrated in the accompanying drawings is not intended to be limiting of the invention. In the drawings, the same units/elements are denoted by the same reference numerals.
Unless otherwise defined, terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Further, it will be understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the relevant art and will not be interpreted in an idealized or overly formal sense.
At present, on one hand, core enterprises with good credit have sufficient quota to be idle; on the other hand, medium and small enterprises which have upstream and downstream trade traffic have difficulty in credit granting. At present, a technical means for transferring the credit line of the core enterprise to the medium and small enterprises which have trade with the core enterprise is lacked.
On the one hand, the process of verifying the authenticity of the trade is complex and tedious. Due accounts based trade authenticity certification verification is complex, and trade orders, false trades, etc. occur. The verification of the trade authenticity certification needs to be certified publicly by a credible third party, but the process is complicated.
On the other hand, the trade information of a single enterprise is only utilized, and the trade traffic of the core enterprise and the enterprises on and off the core enterprise cannot be completely described, so that the fund chain, the logistics chain, the value chain and the credit chain related to the core enterprise cannot be effectively conducted, and the authenticity of the complete trade chain cannot be confirmed.
Blockchains are essentially an internet-based database technology. If the blockchain is compared to a large ledger, reading and writing the blockchain is equivalent to accounting behavior. Each node on the blockchain (e.g., a natural person or organization with editing rights for that node, etc.) may be billed on the public ledger. And selecting the node with the best accounting record through a competitive accounting mechanism every time or every round of accounting, and then obtaining the accounting right by the node and synchronously updating the accounting book information to other people.
Because the blockchain technology has the characteristics of decentralization, public transparency, non-falsification and the like, the blockchain technology can be used as a technical means for assisting in solving two trade problems that the credit line of the core enterprise cannot be transferred and the trade authenticity is proved to be complicated.
Specifically, the block chain electronic invoice disclosed in the prior art is unconcealed by false trade, and can be used as a valid voucher for financing according to the trade record. The core enterprise and the medium and small enterprises at the upstream and downstream of the core enterprise can make the whole trade chain be not tampered and traceable by constructing the block chain of the alliance.
Based on the blockchain electronic invoice, the core enterprise can provide a credit endorsement to the authenticity of the buyer or supplier in commerce with it. Through the alliance block chain and block chain technology, core enterprises in the trade chain can trustfully split and transfer the credit line, and medium and small enterprises in the trade chain can trustfully receive the transfer of the credit line of the core enterprises, so that the credit line of the core enterprises is transferred to the medium and small enterprises, and the medium and small enterprises in the chain can obtain convenient financing.
As shown in fig. 1, the method for enterprise credit transfer based on block chain electronic invoice according to the embodiment of the present invention is applied to a bank side user, and includes:
step S110: extracting trusted enterprise identification and trusted split file identification from the received trusted request;
step S120: acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
step S130: acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain;
step S140: and generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate.
The enterprise credit granting circulation method based on the blockchain electronic invoice is applied to a bank side user side, receives a credit granting request from a trusted enterprise based on the blockchain electronic invoice and the credit granting union blockchain, generates a fund issuing certificate after auditing, and realizes the circulation of the credit granting of the trusted enterprise to the trusted enterprise.
The enterprise credit granting and transferring method based on the blockchain electronic invoice is applied to a bank side user side, and the credited enterprise holds the fund issuing certificate and obtains equal-amount funds from a bank.
It should be understood that in the block chain electronic invoice credible service platform, a plurality of block chain electronic invoices of which the credit enterprise is used as a seller and the credit enterprise is used as a buyer are stored.
It should be understood that in the trust federation blockchain, the trust enterprise is the core enterprise; the trusted enterprise is a medium-small enterprise having trade communication with the core enterprise.
Further, the enterprise credit transfer method based on the blockchain electronic invoice further includes:
and issuing the fund issuance certificate to a credit authorization block chain so that the credit authorization enterprise downloads the fund issuance certificate.
The enterprise credit granting circulation method based on the block chain electronic invoice is applied to a bank side user side, and the fund issuing certificate is issued to the credit granting alliance block chain, so that the credit granting enterprise downloads the fund issuing certificate as business data of the credit granting enterprise. Further, the enterprise credit transfer method based on the blockchain electronic invoice of the embodiment further includes:
when it is monitored that the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier,
transferring funds corresponding to the amount of the issued funds from an account corresponding to the trusted enterprise identification to a bank account according to the fund issuing voucher, and generating a fund recovery voucher, wherein the trusted enterprise identification, the trusted enterprise identification and the amount of the recovered funds are recorded in the fund recovery voucher;
and issuing the fund recovery voucher to a trust union block chain.
The enterprise credit transfer method based on the blockchain electronic invoice is applied to the bank side user side, and when the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier, the funds corresponding to the amount of the issued funds are transferred to the bank account from the account corresponding to the trusted enterprise identifier, so that the fund security of the bank is ensured.
It should be understood that, based on the trust union block chain, the trust enterprise may perform further operations such as reconciliation according to the downloaded fund recovery voucher and the fund issuance voucher, update the amount of issued fund in the fund issuance voucher, and issue the amount to the trust union block chain.
As shown in fig. 2, the enterprise credit transfer device 200 based on the block chain electronic invoice according to the embodiment of the present invention is configured at a bank-side user end, and includes:
a trust request receiving unit 210, configured to:
extracting trusted enterprise identification and trusted split file identification from the received trusted request;
an electronic invoice data acquisition unit 220 for:
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
a trust splitting file obtaining unit 230, configured to:
acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain;
a fund issuance credential generation unit 240 configured to:
generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate;
further, the enterprise credit transfer device based on the blockchain electronic invoice further includes:
a fund issuance credential issuing unit to:
and issuing the fund issuance certificate to a credit authorization block chain so that the credit authorization enterprise downloads the fund issuance certificate.
Further, the enterprise credit transfer device based on the blockchain electronic invoice further includes:
a fund recovery voucher generation unit for:
when it is monitored that the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier,
transferring funds corresponding to the amount of the issued funds from an account corresponding to the trusted enterprise identifier according to the fund issuing voucher, and generating a fund recovery voucher, wherein the trusted enterprise identifier, the trusted enterprise identifier and the amount of the recovered funds are recorded in the fund recovery voucher;
and issuing the fund recovery certificate to a trust alliance block chain so that the trusted enterprise downloads the fund recovery certificate.
The enterprise credit transfer device based on the blockchain electronic invoice of the embodiment is configured at the bank side user end, has the same technical concept and technical effect as the embodiment, and is not described herein again.
As shown in fig. 3, the method for enterprise credit transfer based on block chain electronic invoice according to the embodiment of the present invention is applied to an enterprise user side, and includes:
step S310: extracting a trusted enterprise identifier and a credit split request limit from the received credit split request;
step S320: acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
step S330: when the transaction amount related to the credit enterprise recorded in the electronic invoice data meets a preset splitting condition, generating a credit split file, wherein the credit split file is provided with a credit split file identifier, and the trusted enterprise identifier, the credit split file identifier and a credit split authorization amount are recorded in the credit split file;
and issuing the credit split file to a credit alliance block chain so that the trusted enterprise downloads the credit split file.
The enterprise credit transfer method based on the blockchain electronic invoice is applied to enterprise clients, based on the blockchain electronic invoice and the credit union blockchain, a credit split file is issued to a trusted enterprise after verification according to a request of the trusted enterprise, and transfer of credit of the trusted enterprise to the trusted enterprise is achieved.
As shown in fig. 4, the enterprise credit transfer device 400 based on the block chain electronic invoice according to the embodiment of the present invention is configured at an enterprise user end, and includes:
a credit split request receiving unit 410, configured to:
extracting a trusted enterprise identifier and a credit split request limit from the received credit split request;
an electronic invoice data acquisition unit 420 for:
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
a credit split file generating unit 430, configured to:
when the transaction amount related to the credit enterprise recorded in the electronic invoice data meets a preset splitting condition, generating a credit split file, wherein the credit split file is provided with a credit split file identifier, and the trusted enterprise identifier, the credit split file identifier and a credit split authorization amount are recorded in the credit split file;
and issuing the credit split file to a credit alliance block chain so that the trusted enterprise downloads the credit split file.
The enterprise credit transfer device based on the blockchain electronic invoice is configured at an enterprise user end, and based on the blockchain electronic invoice and the credit union blockchain, a credit split file is issued to the trusted enterprise after verification according to a request of the trusted enterprise, so that transfer of credit of the trusted enterprise to the trusted enterprise is realized.
As shown in fig. 5, the method for enterprise credit transfer based on block chain electronic invoice according to the embodiment of the present invention is applied to an enterprise user side, and includes:
step S510: acquiring electronic invoice data recorded as a seller by an authorized enterprise identifier from a block chain electronic invoice credible service platform;
step S520: extracting at least one authorized enterprise identifier and a transaction amount corresponding to the authorized enterprise identifier from the electronic invoice data;
step S530: and generating a credit split request according to the transaction amount corresponding to the authorized enterprise identification, wherein the credit split request records the trusted enterprise identification and credit split request amount.
The enterprise credit transfer method based on the blockchain electronic invoice is applied to enterprise clients, and based on the blockchain electronic invoice and the credit union blockchain, a credit split request is provided for a credit transfer enterprise, so that transfer of credit transfer of the credit transfer enterprise to the trusted enterprise is achieved.
As shown in fig. 6, the enterprise credit transfer device based on the block chain electronic invoice according to the embodiment of the present invention is applied to an enterprise user end 600, and includes:
an electronic invoice data acquisition unit 610 for:
acquiring electronic invoice data recorded as a seller by an authorized enterprise identifier from a block chain electronic invoice credible service platform;
a transaction amount determination unit 620 for:
extracting at least one authorized enterprise identifier and a transaction amount corresponding to the authorized enterprise identifier from the electronic invoice data;
a credit split request generating unit 630, configured to:
and generating a credit split request according to the transaction amount corresponding to the authorized enterprise identification, wherein the credit split request records the trusted enterprise identification and credit split request amount.
The enterprise credit transfer device based on the blockchain electronic invoice is applied to enterprise clients, and based on the blockchain electronic invoice and the credit union blockchain, a credit split request is provided for a credit transfer enterprise, so that transfer of credit transfer of the credit transfer enterprise to the trusted enterprise is achieved.
The invention provides an enterprise credit transfer method and device based on a block chain electronic invoice, which are based on an alliance block chain, and the credit limit and transaction information of a bank are communicated among enterprises with transaction relations; the block chain electronic invoice is used as a corroboration for trade authenticity, the core enterprise splits and transfers the credit line to the medium and small enterprises, a new application method is provided for the core enterprise operation data by utilizing the database technology, the medium and small enterprises are helped to realize convenient financing, the problems of difficult financing and expensive financing when the medium and small enterprises finance to banks at present are solved, and the development of Hewlett-packard finance can be greatly promoted.
The enterprise credit transfer method and the device are based on the alliance block chain, the block chain electronic invoice is used as a evidence for trade authenticity, and a core enterprise splits and transfers the credit line to medium and small enterprises, so that the medium and small enterprises are facilitated to realize convenient financing.
The method and the device for the enterprise credit transfer in the embodiment of the invention utilize the block chain technology to intercommunicate the credit line and the transaction information of the bank among enterprises with transaction relations, solve the problems of difficult financing and expensive financing when the middle and small enterprises financing the bank at present, and can greatly promote the development of Hewlett-packard finance.
The enterprise credit transfer method and the device provided by the embodiment of the invention realize the splitting, transaction and transfer of the credit line of the core enterprise through the blockchain technology based on the blockchain electronic invoice, and provide a possible method for solving the two problems that the core enterprise credit cannot be transferred and the trade authenticity is complicated.
By using the block chain electronic invoice, the core enterprise provides credit endorsements for banks for the authenticity of the trades of the upstream and downstream buyers and suppliers, so that the whole trade chain is guaranteed to be not falsified and traceable, and the authorization splitting and circulation of the core enterprise are realized.
As shown in fig. 7, the enterprise credit transfer system based on the block chain according to an embodiment of the present invention includes a credit service module, an asset virtualization module, an invoice uplink module, a financing service module, an automatic repayment module, and a supply chain management module, and the main functions of each module are described as follows:
(1) the credit service module: by using the credit granting service module, the core enterprise submits a credit granting application to the bank; and the bank credit system approves the corresponding credit line for the core enterprise according to the credit condition of the core enterprise.
The core enterprise can provide financing evidence for the financing of the medium and small enterprises through credit split in the process of trading with the medium and small enterprises at the upstream and downstream;
(2) an asset virtualization module: by utilizing the asset virtualization module, the core enterprise links the credit line (namely credit asset) obtained from the bank, and realizes the splitting, transaction and transfer of the credit asset by carrying out asset digitalization on the credit line, thereby helping the core enterprise to conduct value to medium and small enterprises;
(3) invoice cochain module: by using the invoice chaining module, a core enterprise chains key information of an electronic invoice issued by the core enterprise in the trade transaction process for a bank credit system to inquire and verify the authenticity and provide an evidence for the bank credit system to judge the trade authenticity;
(4) the financing service module: by utilizing the financing service module, the medium and small-sized enterprises initiate financing application to the bank financing system based on the credit line transacted from the core enterprise and the trade record (namely, electronic invoice) communicated with the core enterprise, and obtain bank financing loan;
(5) an automatic repayment module: by utilizing an automatic repayment module, a core enterprise pays financing loans acquired by medium and small enterprises on the upstream and downstream from a bank credit granting system through an intelligent contract technology;
(6) a supply chain management module: in the operation process of the enterprise credit transfer system, the chains such as an invoice chain, a fund chain, a credit chain and the like are subjected to full-flow closed-loop management through the characteristics of non-tampering and traceability of the block chain technology.
Fig. 4 shows a business process of the block chain-based enterprise credit transfer method according to an embodiment of the present invention. A certain core enterprise (namely a credit provider) with 1000 thousands of credit lines divides and transfers the credit lines through a block chain technology based on an electronic invoice as a trade authenticity corroboration, so that a secondary supplier (namely a final financing party) can smoothly obtain 350 thousands of financing loans from a bank (namely a capital party).
It should be appreciated that for exemplary purposes, a flow diagram of the credit flow when secondary providers are included is shown in fig. 4. In particular, only one level of supplier may be included.
It should be appreciated that for ease of illustration, only the flow diagram of credit flows when secondary providers are included is shown in fig. 4. Based on the schematic diagram of fig. 4, the financing process of the suppliers or distributors of three levels, four levels … …, up to N levels, upstream and downstream of the core enterprise can be depicted, and will not be described herein.
The business process of FIG. 4 is illustrated as follows:
(1) the core enterprise registers credit with the bank, and after the bank approves the credit, the core enterprise is given a certain credit line (such as 1000 ten thousand yuan). The core enterprise issues trade-going electronic invoices to the first-level supplier and completes information chaining of the electronic invoices;
(2) the primary supplier signs and receives the credit of the core enterprise and obtains the credit split (such as 600 ten thousand yuan) of the core enterprise. Then, the primary supplier makes trade-going electronic invoices for the secondary supplier and completes information chaining of the electronic invoices;
(3) the secondary supplier signs and accepts the credit authorization of the primary supplier and obtains the credit authorization split (such as 400 ten thousand yuan) of the primary supplier. Then, the secondary supplier splits the credit and applies for financing (such as 350 ten thousand yuan) to the bank;
it should be understood that further, the chain of transactions may continue down to the third tier supplier, the fourth tier supplier, … …, up to the N tier supplier).
(4) The bank carries out financing examination and approval, and inquires and traces the electronic invoice trade chain which is linked to the core enterprise by the secondary supplier according to the split credit of the secondary supplier and the block chain electronic invoice credible service platform; after the trade authenticity is obtained, the trade is approved for financing and loan (such as 350 ten thousand yuan) is issued;
(5) the core enterprise carries out trade payment for the first-level supplier;
(6) the core enterprise automatically repays the bank financing (350 ten thousand yuan) from the secondary supplier through an intelligent contract technology;
(7) paying for the secondary supplier after the primary supplier collects the money, and collecting the money by the secondary supplier;
(8) a one-time two (or more) level supplier financing repayment activity within the system ends.
The embodiment of the invention perfectly describes both sides of trade and a trade chain by using the block chain electronic invoice, and provides evidences for the authenticity of trade; the flexible splitting and convenient transfer of the credit authorization of the core enterprise are realized through the block chain technology, and the security, the credibility and the circulation level of the credit authorization are improved.
In the enterprise credit transfer method based on the block chain electronic invoice, the block chain electronic invoice enables false trade to be invisible and serves as an effective evidence for trade financing. The block chain technology can record and monitor the whole life cycle and the whole flow of the electronic invoice, provide invoice verification service for trade financing, provide trade authenticity evidence, and avoid the risk of credit repeated pledge financing.
And the financing convenience of small and medium-sized enterprises is realized based on the credit endorsement of the core enterprise. The characteristics that the block chain cannot be tampered and traced can completely depict the core enterprises and the medium and small enterprises in the whole trade chain, and the problem that the financing of the medium and small enterprises in the chain is difficult and expensive is solved through credit granting splitting and transferring of the core enterprises.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
The invention has been described above by reference to a few embodiments. However, other embodiments of the invention than the one disclosed above are equally possible within the scope of the invention, as would be apparent to a person skilled in the art from the appended patent claims.
Generally, all terms used in the claims are to be interpreted according to their ordinary meaning in the technical field, unless explicitly defined otherwise herein. All references to "a// the [ device, component, etc ]" are to be interpreted openly as at least one instance of a device, component, etc., unless explicitly stated otherwise. The steps of any method disclosed herein do not have to be performed in the exact order disclosed, unless explicitly stated.
Claims (10)
1. An enterprise authorization and transfer method based on a block chain electronic invoice is characterized by being applied to a bank side user side and comprising the following steps:
extracting trusted enterprise identification and trusted split file identification from the received trusted request;
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain;
and generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate.
2. The method for enterprise credit circulation based on blockchain electronic invoices, according to claim 1, further comprising:
and issuing the fund issuance certificate to a credit authorization block chain so that the credit authorization enterprise downloads the fund issuance certificate.
3. The method for enterprise credit circulation based on blockchain electronic invoices, according to claim 1, further comprising:
when it is monitored that the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier,
transferring funds corresponding to the amount of the issued funds from an account corresponding to the trusted enterprise identification to a bank account according to the fund issuing voucher, and generating a fund recovery voucher, wherein the trusted enterprise identification, the trusted enterprise identification and the amount of the recovered funds are recorded in the fund recovery voucher;
and issuing the fund recovery voucher to a trust union block chain.
4. The utility model provides an enterprise's letter circulation device of granting based on block chain electronic invoice which characterized in that disposes in bank side user end, includes:
a trust request receiving unit, configured to:
extracting trusted enterprise identification and trusted split file identification from the received trusted request;
an electronic invoice data acquisition unit for:
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
a credit split file obtaining unit, configured to:
acquiring a credit authorization amount and a credit authorization enterprise recorded in a credit splitting file corresponding to the credit splitting file identification from a credit authorization alliance block chain;
a funds release voucher generating unit for:
and generating a fund issuing certificate when the transaction amount related to the credit enterprise and the credit split authorization amount recorded in the electronic invoice data meet a preset credit condition, wherein the credited enterprise identification, the credit enterprise identification and the issued fund amount are recorded in the fund issuing certificate.
5. The device for enterprise credit circulation based on blockchain electronic invoices according to claim 4, further comprising:
a fund issuance credential issuing unit to:
and issuing the fund issuance certificate to a credit authorization block chain so that the credit authorization enterprise downloads the fund issuance certificate.
6. The device for enterprise credit circulation based on blockchain electronic invoices according to claim 4, further comprising:
a fund recovery voucher generation unit for:
when it is monitored that the account corresponding to the credit enterprise identifier transfers funds to the account corresponding to the trusted enterprise identifier,
transferring funds corresponding to the amount of the issued funds from an account corresponding to the trusted enterprise identification to a bank account according to the fund issuing voucher, and generating a fund recovery voucher, wherein the trusted enterprise identification, the trusted enterprise identification and the amount of the recovered funds are recorded in the fund recovery voucher;
and issuing the fund recovery certificate to a trust alliance block chain so that the trusted enterprise downloads the fund recovery certificate.
7. An enterprise credit circulation method based on a block chain electronic invoice is characterized by being applied to an enterprise user side and comprising the following steps:
extracting a trusted enterprise identifier and a credit split request limit from the received credit split request;
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
when the transaction amount related to the credit enterprise recorded in the electronic invoice data meets a preset splitting condition, generating a credit split file, wherein the credit split file is provided with a credit split file identifier, and the trusted enterprise identifier, the credit split file identifier and a credit split authorization amount are recorded in the credit split file;
and issuing the credit split file to a credit alliance block chain so that the trusted enterprise downloads the credit split file.
8. The utility model provides an enterprise's letter circulation device of granting based on block chain electronic invoice which characterized in that disposes at the enterprise user end, includes:
a credit split request receiving unit, configured to:
extracting a trusted enterprise identifier and a credit split request limit from the received credit split request;
an electronic invoice data acquisition unit for:
acquiring electronic invoice data corresponding to the trusted enterprise identifier from a blockchain electronic invoice trusted service platform;
a credit split file generation unit, configured to:
when the transaction amount related to the credit enterprise recorded in the electronic invoice data meets a preset splitting condition, generating a credit split file, wherein the credit split file is provided with a credit split file identifier, and the trusted enterprise identifier, the credit split file identifier and a credit split authorization amount are recorded in the credit split file;
and issuing the credit split file to a credit alliance block chain so that the trusted enterprise downloads the credit split file.
9. An enterprise credit circulation method based on a block chain electronic invoice is characterized by being applied to an enterprise user side and comprising the following steps:
acquiring electronic invoice data recorded as a seller by an authorized enterprise identifier from a block chain electronic invoice credible service platform;
extracting at least one authorized enterprise identifier and a transaction amount corresponding to the authorized enterprise identifier from the electronic invoice data;
and generating a credit split request according to the transaction amount corresponding to the authorized enterprise identification, wherein the credit split request records the trusted enterprise identification and credit split request amount.
10. The utility model provides an enterprise's letter circulation device of granting based on block chain electronic invoice which characterized in that is applied to enterprise's user, includes:
an electronic invoice data acquisition unit for:
acquiring electronic invoice data recorded as a seller by an authorized enterprise identifier from a block chain electronic invoice credible service platform;
a transaction amount determination unit for:
extracting at least one authorized enterprise identifier and a transaction amount corresponding to the authorized enterprise identifier from the electronic invoice data;
a credit split request generation unit, configured to:
and generating a credit split request according to the transaction amount corresponding to the authorized enterprise identification, wherein the credit split request records the trusted enterprise identification and credit split request amount.
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