CN111539724A - Electronic commercial acceptance bill financing method and device based on block chain architecture - Google Patents
Electronic commercial acceptance bill financing method and device based on block chain architecture Download PDFInfo
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Abstract
The application provides an electronic commercial acceptance bill financing method and device based on a block chain architecture, wherein the method comprises the following steps: the developer node adds the constructed service agreement block with the financing service platform into the block chain, and the pre-sale fund supervision bank node adds the constructed fund balance block of the developer supervision account into the block chain; adding the constructed contract blocks with the upstream enterprises into a block chain by the developer nodes; the developer node adds the constructed electronic commercial acceptance bill blocks issued according to the balance of the supervision account into a block chain; the upstream enterprise node constructs an electronic commerce acceptance bill financing block according to financing requirements, and adds the electronic commerce acceptance bill financing block into a block chain; the financing service platform node carries out risk assessment on the electronic commercial acceptance bill financing request, and adds the constructed financing risk assessment result information block into a block chain; the fund side node carries out financing evaluation according to the financing risk evaluation result information block, and adds the constructed financing result information block into the block chain.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to an electronic commercial acceptance bill financing method and device based on a block chain architecture.
Background
The pre-sold fund balance, expenditure and use of the commodity house are strictly regulated by laws and regulations, developers can only apply for the fund of the supervision account for construction engineering according to the supervision requirement and the preservation proportion according to the progress of the construction engineering, the pre-sold fund of the developers is easy to generate periodical precipitation and low in use efficiency, the financing cost of enterprises is increased, and the construction progress is influenced.
The electronic commercial acceptance bill financing issued according to the account balance of the pre-sold fund of the commodity house utilizes the internet and the block chain technology to bill the pre-sold fund of the commodity house, improves the using efficiency of the pre-sold fund, reduces the financing cost, is beneficial to relieving the problem of insufficient fund of developers and promotes the development of the bill market.
The electronic commercial acceptance draft is a draft made in data telegraph text form by a drawer depending on an electronic commercial draft system, and a bill which is accepted by a payer other than a bank and unconditionally pays a determined amount to a payee or a ticket holder on a specified date. Unlike electronic bank acceptance draft, which is accepted by banking financial institutions and financial companies (collectively called financial institutions), electronic bank acceptance draft is accepted by legal persons or other organizations except the financial institutions, and the electronic business acceptance draft can realize financing function by means of tools such as warranty, bank pledge, cash and the like, but the electronic business acceptance draft mainly depends on enterprise business credit, and the condition that the electronic bank acceptance draft cannot be honored by enterprise refusal and the like may occur when the electronic bank acceptance draft is due. The existing electronic commerce acceptance draft financing scheme is introduced as follows:
the first prior art is as follows: in the electronic business acceptance bill financing business which is carried out without using the blockchain technology, all relevant parties (including but not limited to developers and upstream and downstream, banks or insurance companies) of the electronic business acceptance bill financing business are managed by using a centralized server, and all enterprises and institutions manage the electronic business acceptance bill financing business respectively. In this prior art, data of various organizations and enterprises cannot be shared. The process of crossing organizations and enterprises can not be automatically executed, the speed is low, the efficiency is low, the cost is high, and the method can not adapt to the continuously evolving electronic commercial acceptance bill financing business requirements. Data among all electronic commercial acceptance bill financing participants are not transparent, so that data is easy to be distorted in the electronic commercial acceptance bill financing process, and the data cannot be traced.
The second prior art is: in the electronic commercial acceptance bill service using block chain technology, only the records of contract and financing are preserved in a signature hash mode, and each transaction record and financing record are written into the block chain, so that the block chain can not be forged and falsified. But the technology does not solve the premise that the electronic business acceptance draft business is the biggest, namely how to increase the business credit of an enterprise. Merely writing an electronic commercial acceptance draft to the blockchain, or merely verifying the authenticity of an electronic commercial acceptance draft according to an Electronic Commercial Draft System (ECDS), does not necessarily form a closed-loop financing process. The second prior art still does not solve the defect of the electronic commercial acceptance bill financing scheme because the insurance company carries out insurance policy and bank carries out mortgage and cash-posting financing, and the financing business development by using the electronic commercial acceptance bill business credit of the ticket holder still depends on the credit rating of the financial institution.
In summary, the existing electronic commerce acceptance bill financing scheme has low credit degree and low efficiency, which results in the limitation of the electronic commerce acceptance bill financing service.
Disclosure of Invention
The embodiment of the invention provides an electronic commercial acceptance bill financing method based on a block chain architecture, which is used for improving the safety, credit and efficiency of an electronic commercial acceptance bill, wherein nodes of participants of the electronic commercial acceptance bill financing form block chain nodes, and the block chain nodes comprise: the system comprises a developer node, a pre-sold fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund side node; the electronic commercial acceptance bill financing method based on the block chain architecture comprises the following steps:
the method comprises the following steps that a developer node receives a service protocol of a financing service platform, a service protocol block is constructed, and the service protocol block is added into a block chain;
the pre-sale fund supervision bank establishes a supervision bank node according to the agreement between the financing service platform and the developer, constructs a commodity house pre-sale fund supervision account fund balance block, and adds the supervision account fund balance block into a block chain;
the method comprises the following steps that a developer establishes an upstream enterprise node according to a contract with an upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a block chain;
the method comprises the following steps that a developer pays an upstream enterprise, an electronic business acceptance bill block is constructed according to an electronic business acceptance bill issued by the upstream enterprise according to a supervision account balance, and the electronic business acceptance bill block is added into a block chain;
after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an electronic commercial acceptance draft financing block according to financing requirements, and adds the electronic commercial acceptance draft financing block into a block chain;
the financing service platform node carries out risk assessment on the financing condition of the electronic commercial acceptance draft, constructs a financing risk assessment information result block, and adds the financing risk assessment information result block into a block chain;
and the fund side node performs financing evaluation along with the electronic commercial acceptance remittance financing request according to the financing risk evaluation result information block, constructs a financing result information block according to a financing evaluation result, and adds the financing result information block into a block chain.
The electronic commercial acceptance bill financing method based on the block chain architecture is characterized in that: the quality inspection mechanism node detects and classifies the commodity house, and comprises the following steps:
step A1, constructing a data set of the commodity room information, wherein the process is as follows:
wherein X is total data of commodity room information, X1Representative featuresWater penetration condition, x2Representing characteristic wetness, xiRepresenting the adopted materials and the like, i represents the characteristic quantity of each commodity room information, and m represents the total commodity room information quantity collected by model classification;
step a2, calculating a model k value according to the data of the commodity room information, the process is as follows:
wherein k represents the number of initial selection parameters, xaRepresenting the information of the commercial housing at the time of the test, Nk(x)Representing the class y, c of x determined according to a classification decision rulejRepresenting the category to which the current forecast merchandising room information belongs, I representing an indication function, yiA true category representing current predicted merchandising room information;
step a3, specifically determining the value of k according to the above, and performing model test on the k, wherein the process is as follows:
d represents a distance, x and y represent coordinate points of the commodity room information, i is 1,2,3, and n, the distance between the coordinate point of the predicted commodity room information and the coordinate point of the original commodity room information is calculated through establishing a value k, when k is 3, the distance between 3 coordinate points of the original commodity room information closest to the coordinate point of the predicted commodity room information is calculated, and the category of the predicted commodity room information is measured according to the categories of the 3 original commodity room information.
The embodiment of the invention also provides an electronic commercial acceptance bill financing device based on the block chain architecture, which is characterized in that the electronic commercial acceptance bill financing participant nodes form block chain nodes, and the block chain nodes comprise: the system comprises a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing platform node and a fund side node; wherein:
the system comprises a developer node, a block chain and a service module, wherein the developer node is used for receiving a service protocol of a financing service platform, constructing a service protocol block and adding the service protocol block into the block chain; the developer node is also used for issuing an electronic commercial acceptance bill to an upstream enterprise according to the capital balance of the supervision account, and constructing an electronic commercial acceptance bill block adding block chain;
the pre-sold fund monitoring bank node is used for building a monitoring account fund balance block and adding the monitoring account fund balance block into a block chain after receiving an instruction triggered by the financing service platform;
the upstream enterprise node is used for a developer to construct a contract block with an upstream enterprise and add the contract block into a block chain;
the method comprises the following steps that a developer node pays a price for an upstream enterprise, an electronic commercial acceptance bill financing block issued according to a supervision account balance is constructed, and the electronic commercial acceptance bill financing block is added into a block chain;
the upstream enterprise receives the electronic commercial acceptance draft to construct an electronic commercial acceptance draft financing block, and adds the electronic commercial acceptance draft financing block into a block chain;
the financing platform node is used for carrying out risk assessment according to the financing condition of the electronic commercial acceptance draft, constructing a financing risk assessment information result block and adding the financing analysis assessment information result block into a block chain;
and the fund side node is used for carrying out financing evaluation along with the insurance financing request according to the financing risk evaluation result information block, constructing a financing result information block according to a financing evaluation result, and adding the financing result information block into a block chain.
Embodiments of the present invention also provide a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the method for financing an electronic commercial acceptance bill based on a blockchain architecture.
Embodiments of the present invention also provide a computer-readable storage medium storing a computer program for executing the method for financing an electronic commercial acceptance draft based on a blockchain architecture.
Compared with the prior art, in the technical scheme provided by the embodiment of the invention, the electronic commercial acceptance draft financing participant node forms a block chain node, and the block chain node comprises: the system comprises a developer node, a pre-sold fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund side node; an electronic commercial acceptance bill financing scheme based on a blockchain architecture is achieved by: the method comprises the following steps that a developer node receives a service protocol of a financing service platform, a service protocol block is constructed, and the service protocol block is added into a block chain; the pre-sale fund supervision bank establishes a supervision bank node according to the agreement between the financing service platform and the developer, constructs a commodity house pre-sale fund supervision account fund balance block, and adds the supervision account fund balance block into a block chain; the method comprises the following steps that a developer establishes an upstream enterprise node according to a contract with an upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a block chain; the method comprises the following steps that a developer pays an upstream enterprise, an electronic business acceptance bill block is constructed according to an electronic business acceptance bill issued by the upstream enterprise according to a supervision account balance, and the electronic business acceptance bill block is added into a block chain; after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an electronic commercial acceptance draft financing block according to financing requirements, and adds the electronic commercial acceptance draft financing block into a block chain; the financing service platform node carries out risk assessment on the financing condition of the electronic commercial acceptance draft, constructs a financing risk assessment information result block, and adds the financing risk assessment information result block into a block chain; and the fund side node performs financing evaluation along with the electronic commercial acceptance remittance financing request according to the financing risk evaluation result information block, constructs a financing result information block according to a financing evaluation result, and adds the financing result information block into a block chain.
Realizes the capital circulation based on the block chain architecture, each electronic commercial acceptance draft financing participant joins the alliance chain, realizes the online verification of the real estate development financing in the whole process of real estate development related parties and real estate development electronic commercial acceptance draft financing, ensures the transparency, traceability and tamper resistance of the data between the electronic commercial acceptance draft financing participants, meanwhile, by the application of electronic data technology, the electronic commercial acceptance bill financing participant does not only pay attention to offline written information, but also has specific information of issuing the electronic commercial acceptance bill to guarantee the fund of payment, provides the credit-increasing measure of the electronic commercial acceptance bill to the greatest extent, reduces the risk of the electronic commercial acceptance bill financing business, is beneficial to the automatic execution of the electronic commercial acceptance bill financing business, and improves the efficiency of the electronic commercial acceptance bill financing business.
In conclusion, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of electronic commercial acceptance bill financing, and greatly promotes the development of electronic commercial acceptance bill financing business.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic flow chart of an electronic commercial acceptance bill financing method based on a blockchain architecture according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of an electronic commercial acceptance draft financing architecture in accordance with an embodiment of the present invention;
FIG. 3 is a schematic diagram of the funding of electronic commercial acceptance drafts based on a blockchain architecture according to an embodiment of the present invention;
FIG. 4 is a block chain architecture of an electronic commercial acceptance bill financing apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the following embodiments and accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventor finds that: the block chain is regarded as subversive innovation of a computing mode after a mainframe, a personal computer and the internet as the integrated application of technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like, and is likely to cause a new technical innovation and an industrial revolution on the global scale. The blockchain technology originated in the founder paper "bitcoin-point-to-point electronic cash system", published in 2008 by a scholarian named "Zhongben Nakamoto". In a narrow sense, the blockchain is a distributed account book which is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence and is guaranteed in a cryptographic mode and cannot be tampered and forged. The blockchain technology is a brand new distributed infrastructure and computing paradigm that uses blockchain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to secure data transmission and access, and uses intelligent contracts composed of automated script codes to program and manipulate data.
Therefore, the inventor proposes an electronic business acceptance bill financing scheme based on a block chain architecture, which not only solves the problem of insufficient business credit of the electronic business acceptance bill financing business, but also solves the offline confirmation of the financing business risk. In view of the drawbacks of the prior art 1 mentioned in the background art, the present invention achieves a large-scale data sharing through a decentralized technical scheme; in view of the defects of the prior art 2, the invention realizes the online confirmation of the financing authenticity and the automatic execution of the financing by the construction of the block chain alliance and the application of the electronic evidence technology, so as to improve the efficiency of the financing business and reduce the risk of the financing business. All parties including the fund party do not pay attention to the business credit any more, but have the information of the credit-increasing measures for electronic business acceptance bill financing, so that the financing risk is greatly reduced.
The block chain-based electronic commercial acceptance bill transfer ecological circle of the invention adds alliance chains to all suppliers, all fund parties, all financing service platforms, all notarization institutions, all judicial institutions and the like, ensures the transparency, traceability and tamper resistance of data among electronic commercial acceptance bill financing participants, improves the safety and efficiency of electronic commercial acceptance bill financing, and greatly promotes the development of electronic commercial acceptance bill financing business. The block chain architecture based electronic commercial acceptance bill financing scheme is described in detail below.
In the block chain-based example of the present invention, the electronic commercial acceptance draft financing for pre-sale of funds by a developer includes the following steps:
fig. 1 is a schematic flow chart of an electronic commercial acceptance bill financing method based on a blockchain architecture according to an embodiment of the present invention, where electronic commercial acceptance bill financing participant nodes constitute blockchain nodes, and the blockchain nodes may include: the system comprises a developer node, a pre-sold fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund side node; as shown in fig. 1, the method includes:
step 101: the method comprises the following steps that a developer node receives a service protocol of a financing service platform, a service protocol block is constructed, and the service protocol block is added into a block chain;
step 102: the pre-sale fund supervision bank establishes a supervision bank node according to the agreement between the financing service platform and the developer, constructs a commodity house pre-sale fund supervision account fund balance block, and adds the supervision account fund balance block into a block chain;
step 103: the method comprises the following steps that a developer establishes an upstream enterprise node according to a contract with an upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a block chain;
step 104: the method comprises the following steps that a developer pays an upstream enterprise, an electronic business acceptance bill block is constructed according to an electronic business acceptance bill issued by the upstream enterprise according to a supervision account balance, and the electronic business acceptance bill block is added into a block chain;
step 105: after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an electronic commercial acceptance draft financing block according to financing requirements, and adds the electronic commercial acceptance draft financing block into a block chain;
step 106: the financing service platform node carries out risk assessment on the financing condition of the electronic commercial acceptance draft, constructs a financing risk assessment information result block, and adds the financing risk assessment information result block into a block chain;
step 107: and the fund side node performs financing evaluation along with the electronic commercial acceptance remittance financing request according to the financing risk evaluation result information block, constructs a financing result information block according to a financing evaluation result, and adds the financing result information block into a block chain.
An electronic commercial acceptance bill financing device based on a block chain architecture is characterized in that: the quality inspection mechanism node detects and classifies the commodity house, and comprises the following steps:
step A1, constructing a data set of the commodity room information, wherein the process is as follows:
wherein X is total data of commodity room information, X1Representing the characteristic water penetration, x2Representing characteristic wetness, xiRepresenting the adopted materials and the like, i represents the characteristic quantity of each commodity room information, and m represents the total commodity room information quantity collected by model classification;
step a2, calculating a model k value according to the data of the commodity room information, the process is as follows:
wherein k represents the number of initial selection parameters, xaRepresenting the information of the commercial housing at the time of the test, Nk(x)Representing the class y, c of x determined according to a classification decision rulejRepresenting the category to which the current forecast merchandising room information belongs, I representing an indication function, yiA true category representing current predicted merchandising room information;
step a3, specifically determining the value of k according to the above, and performing model test on the k, wherein the process is as follows:
d represents a distance, x and y represent coordinate points of the commodity room information, i is 1,2,3, and n, the distance between the coordinate point of the predicted commodity room information and the coordinate point of the original commodity room information is calculated through establishing a value k, when k is 3, the distance between 3 coordinate points of the original commodity room information closest to the coordinate point of the predicted commodity room information is calculated, and the category of the predicted commodity room information is measured according to the categories of the 3 original commodity room information.
Has the advantages that: the algorithm adopts a machine learning algorithm, and the classification effect is measured by calculating the initial parameter k value, so that a better fitting model of the commodity room information can be achieved, the error rate of the predicted commodity room information category and the real commodity room information category is smaller, the algorithm is classified by a machine instead of a human brain, and a good basis is laid for a later data analysis project.
The electronic commercial acceptance bill financing method based on the block chain architecture provided by the embodiment of the invention is operated as follows:
firstly, a developer node receives a service protocol of a financing service platform, constructs a service protocol block, and adds the service protocol block into a block chain, at the moment, all electronic commerce acceptance bill financing participant nodes on the chain know that a supply protocol block exists, and the supply protocol in the block is broadcasted to the chain;
secondly, the pre-sale fund supervision bank establishes a supervision bank node according to the agreement of the financing service platform and the developer, constructs a commodity house pre-sale fund supervision account fund balance block, and adds the supervision account fund balance block into a block chain, at the moment, the electronic commercial acceptance bill financing participant nodes on the chain know that the supervision account fund balance block exists, and the supervision account fund balance in the block is broadcasted to the chain.
Thirdly, the developer establishes an upstream enterprise node according to the contract with the upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into the block chain, at the moment, the electronic business acceptance bill financing participant nodes on the chain all know that the contract block exists, and the contract in the block is broadcasted to the chain.
Then, the developer pays the upstream enterprise, electronic business acceptance draft issued to the upstream enterprise according to the balance of the supervision account is constructed, an electronic business acceptance draft block is built, the electronic business acceptance draft block is added into a block chain, at the moment, all the nodes of the participators of the electronic business acceptance draft of the insurance management on the chain know that the electronic business acceptance draft in the block is broadcasted to the chain.
And then, after the upstream enterprise receives the electronic commercial acceptance draft, constructing an electronic commercial acceptance draft application financing block according to the financing requirement, and adding the electronic commercial acceptance draft application financing block into a block chain, wherein all electronic commercial acceptance draft financing participant nodes on the chain know that the financing information block exists, and the financing information in the block is broadcast to the chain.
And then, the financing service platform node carries out risk assessment on the financing condition of the electronic commercial acceptance draft, a financing risk assessment information result block is constructed, the financing risk assessment information result block is added into a block chain, at the moment, all electronic commercial acceptance draft financing participant nodes on the chain know that the financing risk assessment result information block exists, and the financing risk assessment result information in the block is broadcast to the chain.
Then, the capital side node performs financing evaluation along with the electronic commercial acceptance remittance financing request according to the financing risk evaluation result information block, constructs a financing result information block according to the financing evaluation result, the financing evaluation process is to judge whether the financing risk evaluation result given by the financing service platform node meets the requirements of the funder, namely, according to the financing risk assessment result given by the financing service platform node, such as the reasonable optimal credit risk control parameter value and the optimal credit evaluation index value which can be accepted by both parties, the capital party node constructs a financing result information block, adds the financing result information block into a block chain, that is, the electronic business acceptance bill financing participant nodes in the chain all know the financing results such as the deposit, and at this time, the financing result can also be sent to the fund demand party node and the financing service platform node through notification forms such as mobile phone short messages or sending mails.
The embodiment of the invention provides an electronic commercial acceptance draft financing method based on a block chain architecture
Compared with the prior art, the technical scheme provided by the embodiment of the invention realizes the circulation of the electronic commercial acceptance draft based on the block chain architecture, each electronic commercial acceptance draft financing participant joins in the alliance chain, all related parties and the whole process are homogenized on line, the on-line confirmation of the fund authenticity is realized, the transparency, traceability and tamper resistance of data among the electronic commercial acceptance draft financing participants are ensured, meanwhile, by the application of electronic data technology, the electronic business acceptance draft financing participant does not only concern business credit, but also has the fund guarantee of signing and issuing the electronic business acceptance draft due payment, thereby furthest proving the fund security of the electronic business acceptance draft, reducing the risk of the electronic business acceptance draft financing service, automatically executing the electronic business acceptance draft service and improving the efficiency of the electronic business acceptance draft financing service.
In conclusion, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of electronic commercial acceptance bill financing, greatly reduces the financing risk and promotes the development of electronic commercial acceptance bill financing business.
In specific implementation, the fund demand party can be an upstream enterprise, a ticket holder after endorsement and the like, and the fund party can be a financial institution such as a bank, a warranty company and the like. The various triggering instructions may be implemented by an Electronic Commercial Draft System (ECDS), etc.
Before describing the block chain architecture-based electronic commercial acceptance bill financing method provided by the embodiment of the present invention, the following description is first made on the electronic commercial acceptance bill financing architecture provided by the embodiment of the present invention.
In practical implementation, the scheme provided by the embodiment of the present invention technically uses a block chain technique (as shown in fig. 2) as a bottom layer. An order node (or an order node cluster, using ZooKeeper distributed application coordination service, Kafka distributed publish-subscribe messaging system, etc. can correspond to high-concurrency, massive data scenarios). Each organization (e.g., funder 1, 2.) corresponds to a plurality of Peer nodes, and the authority control in the jurisdiction of the organization is unified by the organization. According to specific business needs, multiple enterprises can form a sub-chain (channel), which is a subset of all participants in the federation chain.
The steps involved in the embodiments of the present invention are described in detail below with reference to fig. 3.
First, the preparation steps before the above step 101 are described.
In specific implementation, a federation chain is established, and the block link nodes can include nodes such as a developer node, a pre-sold fund supervision bank node, an upstream enterprise node, a financing service platform node, and a fund bank. And (5) establishing nodes together by all the alliance chains, and performing consensus and accounting.
Secondly, the above step 101 is introduced.
In a specific implementation, as shown in fig. 3, in the "sign agreement" link, a developer and a financing service platform agree on the specific contents of the parking platform agreement online, then both sides sign the parking service agreement online, and after the both sides sign the agreement, the agreement contents are stored in all relevant nodes of the block chain. The agreement content saved on the chain includes, but is not limited to, contract number, party A, party B, time signed, terms of enrollment, rules, rights obligations, regulatory account data sharing, regulatory account fund withdrawal rules, cost settlement, claims privacy, liability to breach and manner of relief, etc.
Step 102 and steps 103 and 104 are described next.
During specific implementation, in the link of issuing an 'electronic commercial acceptance draft', according to the requirement of a parking agreement, a financing service platform establishes a data link with a pre-sold fund supervision bank of a developer, and shares fund balance information of a pre-sold fund supervision account of a commodity room; a developer uploads a contract with an upstream enterprise to a system, and a block is established to solve the problem of the real trade background of issuing an electronic business acceptance draft; when the upstream enterprise is paid, the electronic commercial acceptance draft is issued according to the fund balance of the pre-sold fund supervision account, the repayment source of the electronic commercial acceptance draft due and paying of the developer is ensured, and the credit measure of financing is enhanced.
Step 105 is described next.
In the implementation, in the 'financing' link, an upstream enterprise applies for a financing request uplink according to a contract with a developer and a held electronic business acceptance draft.
And fifthly, introducing the step of the financing service platform intervention after the step 105.
In one embodiment, the financing service platform node performs financing risk assessment on the electronic business acceptance and remittance financing request according to the parking agreement block, the supervision account balance block, the upstream enterprise contract block, the electronic business acceptance and remittance bill block, the financing application block and the application evaluation information block, constructs a financing risk assessment result information block according to a financing risk assessment result, and adds the financing risk assessment result information block into a block chain.
When the financing service platform node is evaluated, the application acceptance evaluation can be carried out by referring to the project progress information block, so that the financing risk is reduced. In addition, when the financing service platform node carries out the financing risk assessment subsequently, the assessment acceptance information block can be referred to for carrying out the assessment, and the financing efficiency can be further improved.
Step 106 to step 107, i.e. the "financing" step, are described next.
In one embodiment, the method for financing an electronic commercial acceptance draft based on a blockchain architecture may further include:
after a developer receives a trigger instruction of successful financing of a financing service platform, the developer node constructs an information block which is paid to a fund party through a pre-sold fund supervision account, and the information block which is currently paid is added into a block chain;
after receiving the paid triggering instruction, the financing service platform and the fund side node construct an account cancellation block according to the current repayment information block, and the account cancellation block is added into a block chain.
In specific implementation, the step 106 realizes pre-loan prediction and mid-loan monitoring, and improves the accuracy and efficiency of credit risk monitoring of electronic commercial acceptance bill financing, thereby improving the safety and efficiency of electronic commercial acceptance bill financing risk assessment.
In the implementation, in the "financing" link, the upstream enterprise holds an electronic commercial acceptance draft and applies for financing uplink under contract, and the uplink content includes but is not limited to: upstream enterprises (ticket holders), contracts, financing amounts, accounts (account opening name, bank opening, bank account number), dispute resolution, other terms, and the like. Then, the bank or the insurance company pays the financing money to the ticket holder, and the ticket holder checks and collects the financing money. After the electronic commerce acceptance draft expires, the developer (drawer) pays the redemption payment to the pledge, cash bank or warranty company. After the bank or the insurance company checks and confirms that the repayment is received, the bank or the insurance company pays accounts in the system, informs the financing service platform, and destroys the digital assets on the block chain.
In one embodiment, the blockchain node further comprises: insurance agency nodes, notarization agency nodes and judicial agency nodes.
In the signing link of the entrance agreement, a strong notarization program of a notarization institution can be added. The empowerment notarization, also called creditor document notarization with enforcement effectiveness or enforcement notarization, refers to the activity of the notarization institution to enforce the enforcement effectiveness for the creditor document willing to accept the enforcement of the national court when the creditor promises not to fulfill or not properly fulfill the contractual obligation with the payment of money, articles and securities as the content. The characteristics of enforcing notarization are as follows: after the official certificate authority issues the compulsory execution official certificate, once the debtor does not or inappropriately fulfills the contractual obligation, the creditor can apply for the execution certificate to the original official certificate authority, and then the compulsory execution official certificate and the execution certificate are applied for the compulsory execution to the jurisdictional people's court, so as to protect and realize the debt. That is, the creditor is directly implementing the creditor by executing the procedure without going through the litigation procedure.
In summary, with the present invention, the authenticity of the trade between the developer and the upstream enterprise is confirmed in a chain, the electronic commerce acceptance draft is due and the fund payment guarantee is confirmed in a chain, and the electronic commerce acceptance draft financing service can be realized by an intelligent contract based on the real trade background. The electronic commercial acceptance bill financing service is full-online, automatic and closed-loop, the transaction efficiency is improved, and the transaction risk is reduced.
Based on the same inventive concept, the embodiment of the present invention further provides an electronic commercial acceptance bill financing device based on the blockchain architecture, as follows. Since the principle of the electronic commercial acceptance bill financing device based on the blockchain architecture is similar to that of the electronic commercial acceptance bill financing method based on the blockchain architecture, the implementation of the electronic commercial acceptance bill financing device based on the blockchain architecture can refer to the implementation of the electronic commercial acceptance bill financing method based on the blockchain architecture, and repeated parts are not repeated. The term "module" or "unit" used hereinafter may implement a combination of software and/or hardware of predetermined functions. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a schematic structural diagram of a policy financing apparatus based on a blockchain architecture according to an embodiment of the present invention, where policy financing participant nodes form blockchain nodes, and the blockchain nodes include: the system comprises a developer node 01, a pre-sale fund supervision bank node 02, an upstream enterprise node 03, a financing platform node 04 and a fund party node 05, wherein:
the system comprises a developer node 01, a block chain and a service module, wherein the developer node 01 is used for receiving a service protocol of an internet financing platform, constructing a service protocol block and adding the service protocol block into the block chain;
the method comprises the steps that a pre-sold fund supervision bank node 02 is established, a developer receives a financing service platform instruction to establish a supervision bank node, a commodity room pre-sold fund supervision account fund balance block is established, and the supervision account fund balance block is added into a block chain; the method comprises the following steps that a developer constructs an electronic commercial acceptance bill block according to an electronic commercial acceptance bill issued by a monitoring account balance to an upstream enterprise, and the electronic commercial acceptance bill block is added into a block chain;
the upstream enterprise node 03, the developer establishes an upstream enterprise node according to a contract with the upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into the block chain; after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an electronic commercial acceptance draft financing block according to financing requirements, and adds the electronic commercial acceptance draft financing block into a block chain;
the financing service platform node 04 is used for carrying out risk assessment according to the financing condition of the electronic commercial acceptance draft, constructing a financing risk assessment information result block, and adding the financing analysis assessment information result block into a block chain;
and the fund party node 05 is used for carrying out financing evaluation along with the insurance financing request according to the financing risk evaluation result information block, constructing a financing result information block according to a financing evaluation result, and adding the financing result information block into a block chain.
In one embodiment, the block link point may further include: a bearer node; wherein: and the ticket holders after the upstream enterprises take the books add the constructed electronic commercial acceptance bill financing blocks into the block chain.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: the electronic commerce acceptance bill and money transfer based on the block chain architecture is realized, all electronic commerce acceptance bill and money financing participants join in an alliance chain, all related parties and the whole process are on-line, the authenticity is confirmed on-line, the transparency, traceability and tamper resistance of data among the electronic commerce acceptance bill and money financing participants are guaranteed, meanwhile, by the application of electronic data technology, the electronic commerce acceptance bill and money financing participants do not pay attention to enterprise business credit information any more, the authenticity of funds is proved to the maximum extent, the safety of electronic commerce acceptance bill and money financing business is improved, the money financing risk is greatly reduced, the electronic commerce acceptance bill and money financing business is automatically executed, and the efficiency of the electronic commerce acceptance bill and money financing business is improved.
In conclusion, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of electronic commercial acceptance bill financing, reduces the financing risk, realizes the pre-sale capital bill financing of the developer commodity room, and greatly promotes the development of electronic commercial acceptance bill financing service.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (13)
1. An electronic commercial acceptance bill financing method based on a block chain architecture, characterized in that electronic commercial acceptance bill financing participant nodes constitute block chain nodes, and the block chain nodes comprise: the system comprises a developer node, a pre-sold fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund side node; the electronic commercial acceptance bill financing method based on the block chain architecture comprises the following steps:
the method comprises the following steps that a developer node receives a service protocol of a financing service platform, a service protocol block is constructed, and the service protocol block is added into a block chain;
the method comprises the steps that a supervision bank establishes a supervision bank node according to an agreement between a financing service platform and a developer, a commodity house pre-sold fund supervision account fund balance block is established, and the supervision account fund balance block is added into a block chain;
the method comprises the following steps that a developer establishes an upstream enterprise node according to a contract with an upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a block chain;
the developer pays the upstream enterprise, issues an electronic commercial acceptance bill to the upstream enterprise according to the balance of the supervision account, constructs an electronic commercial acceptance bill block, and adds the electronic commercial acceptance bill block into a block chain;
after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an electronic commercial acceptance draft financing block according to financing requirements, and adds the electronic commercial acceptance draft financing block into a block chain;
the financing service platform node carries out risk assessment on the financing condition of the electronic commercial acceptance draft, constructs a financing risk assessment information result block, and adds the financing risk assessment information result block into a block chain;
and the fund side node performs financing evaluation along with the electronic commercial acceptance remittance financing request according to the financing risk evaluation result information block, constructs a financing result information block according to a financing evaluation result, and adds the financing result information block into a block chain.
2. The blockchain architecture-based electronic business acceptance bill financing method according to claim 1, wherein the blockchain developer node further comprises: a developer constructs a construction project progress information block and adds the construction project progress information block into a block chain; the block chain node further comprises:
a quality inspection mechanism node;
the electronic commercial acceptance bill financing method based on the blockchain architecture further comprises the following steps:
the quality inspection mechanism node constructs a quality inspection result block aiming at the quality inspection result of the commodity room according to the application evaluation information block, and adds the quality inspection result block into a block chain;
applying for an evaluation information block by a financing service platform node according to the construction project progress information, constructing a risk evaluation information block aiming at the construction project progress result, and adding the risk evaluation information block into a block chain;
and the financing service platform node performs acceptance evaluation on the electronic business acceptance draft financing request according to the application risk evaluation information block, constructs an evaluation acceptance information block according to an acceptance evaluation result, and adds the evaluation acceptance information block into a block chain.
3. The block-chain architecture-based electronic commercial acceptance bill financing method as claimed in claim 2, wherein: the quality inspection mechanism node detects and classifies the commodity house, and comprises the following steps:
step A1, constructing a data set of the commodity room information, wherein the process is as follows:
wherein X is total data of commodity room information, X1Representing the characteristic water penetration, x2Representing characteristic wetness, xiRepresenting the adopted materials and the like, i represents the characteristic quantity of each commodity room information, and m represents the total commodity room information quantity collected by model classification;
step a2, calculating a model k value according to the data of the commodity room information, the process is as follows:
wherein k represents the number of initial selection parameters, xaRepresenting the information of the commercial housing at the time of the test, Nk(x)Representing the class y, c of x determined according to a classification decision rulejRepresenting the category to which the current forecast merchandising room information belongs, I representing an indication function, yiA true category representing current predicted merchandising room information;
step a3, specifically determining the value of k according to the above, and performing model test on the k, wherein the process is as follows:
d represents a distance, x and y represent coordinate points of the commodity room information, i is 1,2,3, and n, the distance between the coordinate point of the predicted commodity room information and the coordinate point of the original commodity room information is calculated through establishing a value k, when k is 3, the distance between 3 coordinate points of the original commodity room information closest to the coordinate point of the predicted commodity room information is calculated, and the category of the predicted commodity room information is measured according to the categories of the 3 original commodity room information.
4. The blockchain architecture-based electronic commercial acceptance bill financing method according to claim 1, wherein the blockchain node further comprises: and the ticket holder node is used for adding the constructed electronic commercial acceptance bill financing block into the block chain by the ticket holder after the upstream enterprise carries a book.
5. The block-chain architecture-based electronic commercial acceptance bill financing method according to claim 1, further comprising:
after a developer receives a trigger instruction of successful financing of a financing service platform, the developer node constructs an information block which is paid to a fund party through a pre-sold fund supervision account, and the information block which is currently paid is added into a block chain;
after receiving the paid triggering instruction, the financing platform and the fund side node construct an account cancellation block according to the current repayment information block, and the account cancellation block is added into a block chain.
6. The blockchain architecture-based electronic commercial acceptance bill financing method according to claim 1, wherein the blockchain node further comprises: insurance agency nodes, notarization agency nodes and judicial agency nodes.
7. An electronic commercial acceptance bill financing device based on a block chain architecture, wherein electronic commercial acceptance bill financing participant nodes form block nodes, and the block node comprises: the system comprises a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing platform node and a fund side node; wherein:
the system comprises a developer node, a block chain and a service module, wherein the developer node is used for receiving a service protocol of a financing service platform, constructing a service protocol block and adding the service protocol block into the block chain; the developer node is also used for issuing an electronic commercial acceptance bill to an upstream enterprise according to the capital balance of the supervision account, and constructing an electronic commercial acceptance bill block adding block chain;
the pre-sold fund monitoring bank node is used for building a monitoring account fund balance block and adding the monitoring account fund balance block into a block chain after receiving an instruction triggered by the financing service platform;
the developer issues an electronic commercial acceptance bill to an upstream enterprise according to the capital balance of the supervision account, and an electronic commercial acceptance bill block adding block chain is constructed;
the upstream enterprise node is used for a developer to construct a contract block with an upstream enterprise and add the contract block into a block chain;
the method comprises the following steps that a developer node pays for an upstream enterprise, an electronic commercial acceptance bill financing block issued according to a supervision account balance is constructed, and the electronic commercial acceptance bill financing block is added into a block chain; the upstream enterprise receives the electronic commercial acceptance draft to construct an electronic commercial acceptance draft financing block, and adds the electronic commercial acceptance draft financing block into a block chain;
the financing platform node is used for carrying out risk assessment according to the financing condition of the electronic commercial acceptance draft, constructing a financing risk assessment information result block and adding the financing analysis assessment information result block into a block chain;
and the fund side node is used for carrying out financing evaluation along with the electronic commercial acceptance bill financing request according to the financing risk evaluation result information block, constructing a financing result information block according to a financing evaluation result, and adding the financing result information block into a block chain.
8. The blockchain architecture-based electronic commercial acceptance bill financing apparatus according to claim 7, wherein the blockchain developer node further comprises: and the developer constructs a construction project progress information block and adds the construction project progress information block into a block chain.
9. The blockchain architecture-based electronic business acceptance bill financing apparatus according to claim 7, wherein the upstream enterprise node further comprises: the electronic commercial acceptance bill financing block is constructed by a ticket holder after the electronic commercial acceptance bill carries a book, and the ticket holder holds the electronic commercial acceptance bill to a financing service platform for financing to construct a financing demand block.
10. The blockchain architecture-based electronic commercial acceptance bill financing apparatus according to claim 7, further comprising:
after a developer receives a trigger instruction of successful financing of a financing service platform, the developer node constructs an information block which is paid to a fund party through a pre-sold fund supervision account, and the information block which is currently paid is added into a block chain;
after receiving the paid triggering instruction, the financing service platform and the fund side node construct an account cancellation block according to the current repayment information block, and the account cancellation block is added into a block chain.
11. The blockchain architecture-based electronic commercial acceptance bill financing apparatus according to claim 7, wherein: the quality inspection mechanism node detects and classifies the commodity house, and comprises the following steps:
step A1, constructing a data set of the commodity room information, wherein the process is as follows:
wherein X is total data of commodity room information, X1Representing the characteristic water penetration, x2Representing characteristic wetness, xiRepresenting the adopted materials and the like, i represents the characteristic quantity of each commodity room information, and m represents the total commodity room information quantity collected by model classification;
step a2, calculating a model k value according to the data of the commodity room information, the process is as follows:
wherein k represents the number of initial selection parameters, xaRepresenting the information of the commercial housing at the time of the test, Nk(x)Representing the class y, c of x determined according to a classification decision rulejRepresenting the category to which the current forecast merchandising room information belongs, I representing an indication function, yiA true category representing current predicted merchandising room information;
step a3, specifically determining the value of k according to the above, and performing model test on the k, wherein the process is as follows:
d represents a distance, x and y represent coordinate points of the commodity room information, i is 1,2,3, and n, the distance between the coordinate point of the predicted commodity room information and the coordinate point of the original commodity room information is calculated through establishing a value k, when k is 3, the distance between 3 coordinate points of the original commodity room information closest to the coordinate point of the predicted commodity room information is calculated, and the category of the predicted commodity room information is measured according to the categories of the 3 original commodity room information.
12. The blockchain architecture-based electronic commercial acceptance bill financing apparatus according to claim 7, wherein the blockchain node further comprises: insurance agency nodes, notarization agency nodes and judicial agency nodes.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
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