CN111640014B - Block chain technology-based account-receivable, credit and right-of-use financing system and method - Google Patents
Block chain technology-based account-receivable, credit and right-of-use financing system and method Download PDFInfo
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Abstract
The invention discloses a system and a method for financial deposit, crediting and financing on the basis of a blockchain technology, which belong to the technical field of computers and comprise a client, a server and a blockchain end, wherein the client is connected with the blockchain end through the server; the client is used for acquiring a service request of a user, digitally signing the service request, acquiring transaction data and sending the transaction data to the server; the server side performs validity check on the received transaction data, and after the verification is passed, the transaction data is sent to the block chain end; and the block chain end performs validity check on the transaction data, processes the transaction data after the verification is passed, and returns the processing result to the server end for storage. The invention realizes the circulation of the creditor and financing through the blockchain technology so as to ensure that the related information is not tamperable, not repeatedly financing and traceable and help the related parties form cooperative innovation in the financial field of the supply chain.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a system and a method for financial deposit, crediting and financing on the basis of a blockchain technology.
Background
At present, the traditional financing technology is mainly realized based on small credits, warranty and the like, but has corresponding financial risks due to lack of careful examination of both financing parties, and besides, each financing platform is not effectively supervised, so that a plurality of illegal financing platforms appear, and the investment rights and interests of investors cannot be guaranteed, and stable and reliable benefits are obtained.
Disclosure of Invention
The invention aims to provide a block chain technology-based account receivable, debt and right financing system and method, which are used for ensuring that favorite management information cannot be tampered.
In order to achieve the above object, the present invention adopts a payable funds, creditor and financing system based on blockchain technology, comprising: the client is connected with the block chain end through the server end;
the client is used for acquiring a service request of a user, digitally signing the service request, obtaining transaction data and sending the transaction data to the server, wherein the service request carries at least one of credited issuing information, credited confirming information, credited financing information, investment quotation information, due purchase information, credited investment pre-forming information and bank lending information;
the server side performs validity check on the received transaction data, and after the verification is passed, the transaction data is sent to the block chain end;
and the block chain end performs validity check on the transaction data, processes the transaction data after the verification is passed, and returns the processing result to the server end for storage.
Further, the client comprises an access module, a permission setting module, a first digital signature module and a first storage module;
the access module is used for registering and logging in by a user and sending the service request to the server side;
the permission setting module is used for setting corresponding service processing permissions according to the roles of the login users;
the first digital signature module is used for digitally signing the service request sent by the access module by adopting an encryption algorithm to obtain the transaction data;
the first storage module is used for storing the asymmetric key information, the user information and the corresponding relation between public keys and private keys, wherein the asymmetric key information, the user information and the public keys are digitally signed by the first digital signature module.
Further, the server side comprises a logic processing module, a second storage module and a second digital signature module;
the logic processing module is used for receiving the transaction data sent by the client and acquiring verification information from the second storage module so as to perform validity verification on the transaction data;
if the validity check is passed, the logic processing module judges the signature mode of the transaction data sent by the client;
when the signature mode is user signature, the logic processing module directly transmits the transaction data transmitted by the client to the block chain end;
when the signature mode is proxy signature, the second digital signature module is used for acquiring the asymmetric key information from the first storage module and carrying out digital signature on the transaction data by utilizing a private key to obtain secondary signature transaction data;
the logic processing module sends the secondary signature transaction data to the block chain end.
Further, the block chain end comprises a data signature verification module, a third storage module and a supply chain financing module;
the data signing verification module is used for carrying out digital signing verification on the transaction data sent by the server side;
the third storage module is used for storing the transaction data verified by the data signing module;
the supply chain financing module is used for carrying out business logic processing according to the transaction data after the verification and the signature pass, and returning the processing result to the server side.
Further, the block chain end also comprises a user node registration module and a user identity verification module;
the user node registration module receives the service request sent by the access module, wherein the service request carries user registration information and corresponding service processing authority to information so as to register the user;
the user identity verification module is used for verifying registered and logged-in user identity information.
Further, the supply chain financing module comprises a right issuing module, a right confirming module, a financing issuing module, an investment quotation module, a right investment matching module and a bank lending module;
the creditor issuing module is used for registering the creditor of the accounts receivable held by the creditor according to the business request, pushing the creditor information of the registered accounts receivable to the creditor of the accounts receivable for carrying out debt confirmation;
the right confirming module is used for carrying out authenticity checking on the accounts receivable right information pushed by the right issuing module and confirming whether the debtor agrees to carry out financing issuing on the accounts receivable right;
the financing release module is used for carrying out financing release on the account-to-be-collected debt right which is agreed to carry out financing release by the debtor;
the investment quotation module is used for checking the issued payable money creditor financing records and quoting corresponding to the payable money creditor financing amount;
the right investment matching module is used for matching the receivables right financing and financing results according to the released receivables right financing records and financing amount quotations;
the bank lending module is used for issuing a lending instruction to the payable deposit right financing record which is determined to be in charge;
the expiration purchase module is used for carrying out purchase processing operation on the credit and financing records of the accounts receivable to be expired, and after the purchase processing is successful, the financing amount is added into a bank designated account to finally complete the whole process of the credit and financing of the accounts receivable.
Further, the blockchain end also comprises an information synchronization module, and the information synchronization module is used for synchronizing data of each node through a distributed account book mechanism and broadcasting transaction data to all blockchain nodes.
On the other hand, the utility model provides a block chain technology-based payable money, creditor and financing method, which comprises the following steps:
the block chain end receives the transaction data forwarded by the server end for signature verification, and after the signature verification passes, the block chain end performs business logic processing according to the transaction data and returns the processing result to the server end;
the transaction data forwarded by the server side are obtained after validity verification of the transaction data sent by the client side, an encryption algorithm for checking labels at the end of a block chain is consistent with an encryption algorithm adopted in the digital signature process of the server side and the client side, and the service request carries at least one of credit issuing information, credit confirming information, credit financing information, investment quotation information, due purchase information, credit investment pre-forming information and bank lending information.
Further, the block chain end receives the transaction data forwarded by the server end for signature verification, and after the signature verification passes, the block chain end performs service logic processing according to the transaction data, and the method comprises the following steps:
registering the accounts receivable and debt right held by the creditor according to the service request, pushing the registered accounts receivable and debt right information to the debt person to which the accounts receivable and debt right belongs, and confirming the debt;
carrying out authenticity checking on the accounts receivable right information pushed by the right issuing module, and confirming whether the debtor agrees to carry out financing issuing on the accounts receivable right;
the debtor agrees to pay the credit right of the account to pay for financing release;
checking the released liability financing records of the accounts receivable and quoting corresponding to the liability financing amount of the accounts receivable;
matching the accounts receivable right financing bargaining result according to the released accounts receivable right financing records and the financing amount quotations;
issuing a payment instruction to the account receivable, creditor and financing records of the determined transaction;
and carrying out purchase processing operation on the account-to-be-received credit right financing record to be expired, and after the purchase processing is successful, adding the financing amount into a bank designated account to finally complete the whole process of account-to-be-received credit right financing.
Further, the method further comprises the following steps:
and synchronizing data of all nodes through a distributed account book mechanism, and broadcasting transaction data to all blockchain nodes.
Compared with the prior art, the invention has the following technical effects: according to the invention, through commonly completing the application, approval, payment and other fund flows of each loan in the bottom layer asset pool through the blockchain by each verification node, cash flow information is directly connected into the chain through the designated payment channel, the generation of the bottom layer asset and the strong coupling between the circulation and the blockchain are ensured, and the consistency and the authenticity between the in-chain asset and the under-chain asset are ensured. The circulation of the creditor and financing are realized through the blockchain technology, so that the related information is guaranteed to be untampered, unrepeatable financing and traceable, and the cooperative innovation in the supply chain finance field is helped to be formed by the related parties.
Drawings
The following detailed description of specific embodiments of the invention refers to the accompanying drawings, in which:
FIG. 1 is a schematic diagram of a block chain technology based payable, creditable financing system;
FIG. 2 is a block chain technology based general architecture diagram of a payable, credited and financing system;
FIG. 3 is a flow chart of a method for payable, credited and financing based on blockchain technology.
Detailed Description
For a further description of the features of the present invention, refer to the following detailed description of the invention and the accompanying drawings. The drawings are for reference and illustration purposes only and are not intended to limit the scope of the present invention.
As shown in fig. 1 to 2, the present embodiment discloses a block-chain-technology-based accounts receivable, debt and right financing system, which comprises a client 10, a server 20 and a block chain end 30, wherein the client 10 is connected with the block chain end 30 through the server 20;
the client 10 is configured to obtain a service request of a user, digitally sign the service request, obtain transaction data, and send the transaction data to the server 20, where the service request carries at least one of credited release information, credited confirmation information, credited financing information, investment quotation information, due purchase information, credited investment pre-forming information, and bank lending information;
the server 20 performs validity check on the received transaction data, and after the verification is passed, the transaction data is sent to the block chain end;
the block chain end 30 performs validity check on the transaction data, processes the transaction data after the verification is passed, and returns the processing result to the server end 20 for storage.
The embodiment realizes the financing of the right through the blockchain technology, provides functions of right release, right confirmation, financing release, investment quotation, right investment trading, bank paying, financing due purchasing and the like, takes accounts payable of a core enterprise as a bottom asset, ensures that related information cannot be tampered, cannot be repeatedly financing and can be traced, and helps the related parties form cooperative innovation in the financial field of a supply chain.
It should be noted that, the client 10 is application software or a browser; the blockchain end 30 is a transaction or storage system implemented based on blockchain technology; the block chain end 30 and various transaction devices can be integrated in one device, the block chain end 30 and the service end can be integrated in one device, and the block chain end 30 adopts an open-source and decentralised protocol to ensure complete recording and storage of data.
Specifically, the secret keys adopted by the client 10 and the server 20 for signing the service request are public keys, private keys and public-private key pairs of an asymmetric encryption algorithm; the encryption algorithm of the digital signature is an asymmetric encryption algorithm, and comprises an RSA algorithm, a national encryption SM2 algorithm and the like. The encryption algorithm adopted by the block chain end 30 in the process of carrying out digital signature verification on the transaction data is consistent with the encryption algorithm adopted by the client and the server 20 in the process of carrying out digital signature.
Further, the client 10 includes an access module 11, a rights setting module 12, a first digital signature module 13, and a first storage module 14;
the access module 11 is configured to register and log in by a user, and send the service request to the server 20;
the permission setting module 12 is configured to set corresponding service processing permissions according to a role of a login user, where the service processing permissions include services such as crediting, crediting confirmation, financing release, investment quotation, and due purchase;
the first digital signature module 13 is configured to digitally sign the service request sent by the access module 11 by using an encryption algorithm, so as to obtain the transaction data;
the first storage module 14 is configured to store the asymmetric key information, the user information, and the public-private key corresponding to the digital signature performed by the first digital signature module 13.
The first memory module 14 also stores service details and system parameters.
Wherein the business details include initial creditor, debtor, creditor code, creditor due date, creditor amount (element), transfer price (element), creditor management company, customer number, contact phone, etc.
The system parameters include: financing period maintenance, financing interest rate template maintenance, interest rate template parameter setting, withdrawal control template parameter setting, funds deposit limit parameter setting, bank deposit management parameter setting, expiration parameter and the like.
Further, the server side 20 includes a logic processing module 21, a second storage module 22, and a second digital signature module 23;
the logic processing module 21 is configured to receive the transaction data sent by the client, and obtain verification information from the second storage module 22, so as to perform validity verification on the transaction data;
if the validity check is passed, the logic processing module 21 judges the signature mode of the transaction data sent by the client;
when the signature mode is a user signature, the logic processing module 21 directly sends the transaction data sent by the client to the block chain end 30;
when the signature mode is proxy signature, the second digital signature module 23 is configured to obtain the asymmetric key information from the first storage module 14, and digitally sign the transaction data by using a private key to obtain secondary signed transaction data;
the logic processing module 21 sends the twice signed transaction data to the block chain end 30.
It should be noted that, the second storage module 22 stores user information, transaction facility information, core enterprise information, service details, accounts receivable information, user funds, funds details information, and establishes a plurality of Key-Value correspondence relations between user information and account information, user information and accounts receivable information, accounts receivable information and transaction details, and so on. The user information, the transaction facility information and the business detail are used as verification information for carrying out validity verification on the transaction data sent by the client, and the validity verification comprises client information verification, authority control verification, security control verification and the like.
After the validity of the transaction data sent by the client is checked by the logic processing module 21, the signature mode of the transaction data sent by the digital client is judged: if the user signs, the transaction data signed by Ukey at the client is directly sent to the block chain end 30 for service logic processing. If proxy signature is performed, the access client data storage device obtains the key, digitally signs the transaction data according to the private key through the digital signature device, and sends the signed data to the block chain end 30.
Specifically, the key of the client data storage device is generated by the block chain end 30 or the server according to an asymmetric encryption algorithm, and the corresponding relationship between the user information and the public-private key pair is stored in the client data storage device.
Further, the block chain end 30 includes a data signature module 31, a third storage module 32, and a supply chain financing module 33;
the data signing verification module 31 is configured to digitally sign the transaction data sent by the server 20;
the third storage module is used for storing the transaction data verified by the data verification module 31, and is specifically used for storing the bargain data such as creditors, debtors, financing release dates, financing amounts (elements), investment banks, bargain (elements), bargain time and the like;
the supply chain financing module 33 is used for carrying out business logic processing according to the transaction data after the verification and the pass, and returning the processing result to the server side 20.
It should be noted that, the digital signature verification process performed by the data signature verification module 31 on the transaction data must verify the signature using an encryption algorithm consistent with that used in the digital signature process.
Further, the block chain end 30 also includes a user node registration module 34 and a user authentication module 35; wherein:
the user node registration module 34 provides a new user registration function for the system, and the new login user selects different roles to perform user registration according to different identities, including: the system for providing personal real-name authentication data, institutions, legal persons and other data entering into the system comprises the following specific steps: the user node registration module 34 receives the service request sent by the access module 11, where the service request carries user registration information and corresponding service processing rights to the information, so as to perform user registration.
The user authentication module 35 is responsible for authentication of registered new users, user information management for authenticating users allowed to conduct transactions at the block connection, and service admission management for managing correspondence between user information and public keys, and for managing specific service logic allowing users to conduct accounts receivable services.
Further, the supply chain financing module 33 includes a right issuing module 331, a right confirming module 332, a financing issuing module 333, an investment quotation module 334, a right investment matching module 335, a bank lending module 336 and an expiration date module 337;
the right issuing module 331 is configured to register a right of the accounts receivable held by the right person according to the service request, and push the registered right information of the accounts receivable to the debtor to which the right of the accounts receivable belongs for performing debt confirmation;
the right confirming module 332 is configured to perform authenticity checking on the right information of the accounts receivable pushed by the right issuing module 331, and confirm whether the debtor agrees to perform financing issuing on the right of the accounts receivable;
the financing issue module 333 is configured to issue financing to the account-to-be-collected right of the debtor agreeing to issue financing;
the investment quotation module 334 is used for checking the issued payable credit financing records and quoting corresponding to payable credit financing amount, and the quotation data is visible in the whole system, so that the payable credit creditor can better and faster financing, and the system allows a plurality of banks to simultaneously quote;
the right investment matching module 335 is configured to match the result of the right financing transaction of the receivables according to the issued right financing records of the receivables and the financing amount quotes, that is, the information of the issued right financing records of the receivables and the bank investment quote records are matched for a transaction, and the matching condition is processed according to the rule that the bank quote is highest and the quote time is earliest. Meanwhile, the right investment matching module 335 is equipped with an intelligent contract function, and the bank commits to issue loans for the approved financing records, and the financing party returns the financing amount after committing the financing expiration.
It should be noted that, the important component of the matching transaction is the financing order, and the transaction record is finally formed by matching the financing order. Therefore, for orders that cannot be matched immediately, an investment queue and a financing queue are needed to store the orders. The queue is based on the principle of 'price priority and time priority under the same price'.
And if the financing queue is empty or the head of the queue does not meet the price relation, the investment order is inserted into the investment queue, and the investment queue is ordered according to the price and time, so that the newly inserted order can be inserted into the corresponding position of the investment queue through one-time ordering.
The bank lending module 336 is configured to issue a lending instruction to the payable, credited and financing record of the determined transaction;
the expiration buyback module 337 is used for carrying out buyback processing operation on the credit and equity financing records of the accounts receivable to be expired, and after the buyback processing is successful, the financing amount is added into the bank designated account to finally complete the whole process of the credit and equity financing of the accounts receivable.
Further, the blockchain end 30 also includes an information synchronization module for synchronizing the node data via a distributed ledger mechanism and broadcasting transaction data to all blockchain nodes.
It should be noted that, the blockchain forms a block for recording information on the computer by a special cryptographic accounting mode, then the block is added with a time stamp and the blockchain is issued to the whole network to seek authentication, and finally a special accounting mode with decentralization, irreversibility and incapability of being tampered is realized. According to the embodiment, through the account-to-be-collected type creditor financing system based on the blockchain technology, creditor release, creditor confirmation, creditor financing information release, creditor investment price matching results of financial institutions such as banks and the like, bank paying instructions, financing services such as financing due purchase and the like are provided for small and medium enterprises, a alliance chain can be built between a bank and a core enterprise, and all member enterprises on a supply chain can be provided with the financing services, and the characteristics of multi-party signature and non-falsification of the blockchain are utilized, so that the creditor financing can be commonly identified in multiple directions, and the operation difficulty is reduced.
As shown in fig. 3, the embodiment discloses a block chain technology-based payable credit right financing method, which includes the following steps S1 to S2:
s1, a block chain end 30 receives transaction data forwarded by a server end 20 for signature verification;
s2, after the signature verification passes, business logic processing is carried out according to the transaction data, and a processing result is returned to the server side 20;
the transaction data forwarded by the server 20 is obtained after the validity of the transaction data sent by the client is checked, the encryption algorithm for checking the signature by the block chain end 30 is consistent with the encryption algorithm adopted by the digital signature process of the server 20 and the client, and the service request carries at least one of credit issuing information, credit confirming information, credit financing information, investment quotation information, due purchase information, credit investment pre-forming information and bank loan information.
Further, the step S2: after the signature verification is passed, service logic processing is performed according to the transaction data, and a processing result is returned to the server 20, including the following subdivision steps S21 to S27:
s21, registering the accounts receivable right held by the right creditor according to the business request, pushing the registered accounts receivable right information to the debtor to which the accounts receivable right belongs, and confirming the debt;
s22, checking the authenticity of the credit and debit right information to be charged pushed by the credit right issuing module 331, and confirming whether the debtor agrees to pay and credit right to be charged for financing issuing;
s23, financing release is carried out on the account-receivable and debt right which is agreed to carry out financing release by the debtor;
s24, checking the released liability financing records of the accounts receivable, and quoting corresponding to the liability financing amount of the accounts receivable;
s25, matching the accounts receivable right financing bargain result according to the released accounts receivable right financing record and the financing amount quotation;
s26, issuing a paying instruction to the payable, credited and financing records of the determined transaction;
and S27, performing purchase return processing operation on the account-to-be-expired credit right financing record, and after the purchase return processing is successful, throwing the financing amount into a bank designated account to finally complete the whole process of account-to-be-billed credit right financing.
Further, in the step S2: after the signature verification is passed, service logic processing is performed according to the transaction data, and the processing result is returned to the server 20, and the method further comprises the following step S3:
s3, synchronizing data of all nodes through a distributed account book mechanism, and broadcasting transaction data to all the blockchain nodes.
It should be noted that, the objective of the design of the scheme is to effectively promote and solve the problems of difficult and expensive financing of small and medium-sized enterprises, and the business mode and each service flow link design thereof need to reduce the total financing cost as much as possible under the condition of effectively controlling risks. The banking, core enterprises, small and medium-sized micro enterprises and the like are linked together to provide the supply chain financial service for the users.
By releasing and transmitting the core enterprise credit, feasibility and convenience of financing are brought to small and medium-sized enterprise suppliers, more investment scenes are provided for financial institutions, and funds transfer benefits under fragmented economy are improved. The application, approval, money release and other fund flows of each loan in the bottom layer property pool are completed through the block chain by the consensus of each verification node, cash flow information is directly connected into the chain through the designated payment channel, the generation of the bottom layer property and the strong coupling between the flow and the block chain are ensured, and the consistency and the authenticity between the in-chain property and the under-chain property are ensured.
Meanwhile, information and funds among institutions are kept synchronous in real time through a distributed account book and a consensus mechanism, and the problem of time and labor consuming account checking and clearing among institutions is effectively solved. The financing dilemma of small and micro enterprises is fundamentally improved, and the industry in the power-assisted places is transformed and upgraded. The solution takes accounts payable of a core enterprise as a bottom asset, and realizes the circulation of crediting and financing through a blockchain technology, so that the related information is guaranteed to be untampered, unrepeatable financing and traceable, and the related parties are helped to form cooperative innovation in the financial field of a supply chain.
The foregoing description of the preferred embodiments of the invention is not intended to limit the invention to the precise form disclosed, and any such modifications, equivalents, and alternatives falling within the spirit and scope of the invention are intended to be included within the scope of the invention.
Claims (8)
1. The utility model provides a should receive account deposit creditor financing system based on blockchain technique which characterized in that includes: the client is connected with the block chain end through the server end;
the client is used for acquiring a service request of a user, digitally signing the service request, obtaining transaction data and sending the transaction data to the server, wherein the service request carries at least one of credited issuing information, credited confirming information, credited financing information, investment quotation information, due purchase information, credited investment pre-forming information and bank lending information;
the server side performs validity check on the received transaction data, and after the verification is passed, the transaction data is sent to the block chain end;
the block chain end performs validity check on the transaction data, processes the transaction data after the verification is passed, and returns the processing result to the server end for storage;
the block chain end comprises a data signature verification module, a third storage module and a supply chain financing module;
the data signing verification module is used for carrying out digital signing verification on the transaction data sent by the server side;
the third storage module is used for storing the transaction data verified by the data signing module;
the supply chain financing module is used for carrying out business logic processing according to the transaction data after the verification and the signature pass and returning the processing result to the server end;
the supply chain financing module comprises a right issuing module, a right confirming module, a financing issuing module, an investment quotation module, a right investment matching module, a bank lending module and an expiration purchase module;
the creditor issuing module is used for registering the creditor of the accounts receivable held by the creditor according to the business request, pushing the creditor information of the registered accounts receivable to the creditor of the accounts receivable for carrying out debt confirmation;
the right confirming module is used for carrying out authenticity checking on the accounts receivable right information pushed by the right issuing module and confirming whether the debtor agrees to carry out financing issuing on the accounts receivable right;
the financing release module is used for carrying out financing release on the account-to-be-collected debt right which is agreed to carry out financing release by the debtor;
the investment quotation module is used for checking the issued payable money creditor financing records and quoting corresponding to the payable money creditor financing amount;
the right investment matching module is used for matching the receivables right financing and financing results according to the released receivables right financing records and financing amount quotations;
the bank lending module is used for issuing a lending instruction to the payable deposit right financing record which is determined to be in charge;
the expiration purchase module is used for carrying out purchase processing operation on the credit and financing records of the accounts receivable to be expired, and after the purchase processing is successful, the financing amount is added into a bank designated account to finally complete the whole process of the credit and financing of the accounts receivable.
2. The blockchain technology-based payable creditor financing system of claim 1, wherein the client comprises an access module, a rights setting module, a first digital signature module and a first storage module;
the access module is used for registering and logging in by a user and sending the service request to the server side;
the permission setting module is used for setting corresponding service processing permissions according to the roles of the login users;
the first digital signature module is used for digitally signing the service request sent by the access module by adopting an encryption algorithm to obtain the transaction data;
the first storage module is used for storing the asymmetric key information, the user information and the corresponding relation between public keys and private keys, wherein the asymmetric key information, the user information and the public keys are digitally signed by the first digital signature module.
3. The blockchain technology-based payable creditor financing system of claim 2, wherein the server side comprises a logic processing module, a second storage module and a second digital signature module;
the logic processing module is used for receiving the transaction data sent by the client and acquiring verification information from the second storage module so as to perform validity verification on the transaction data;
if the validity check is passed, the logic processing module judges the signature mode of the transaction data sent by the client;
when the signature mode is user signature, the logic processing module directly transmits the transaction data transmitted by the client to the block chain end;
when the signature mode is proxy signature, the second digital signature module is used for acquiring the asymmetric key information from the first storage module and carrying out digital signature on the transaction data by utilizing a private key to obtain secondary signature transaction data;
the logic processing module sends the secondary signature transaction data to the block chain end.
4. The blockchain technology-based payable creditor financing system of claim 3, wherein the blockchain end further comprises a user node registration module and a user identity verification module;
the user node registration module receives the service request sent by the access module, wherein the service request carries user registration information and corresponding service processing authority to information so as to register the user;
the user identity verification module is used for verifying registered and logged-in user identity information.
5. The blockchain technology-based payable creditor financing system of claim 1, wherein the blockchain end further comprises an information synchronization module for synchronizing the node data by a distributed ledger mechanism broadcasting transaction data to all blockchain nodes.
6. The utility model provides a payable money creditor financing method based on a blockchain technology, which is characterized by comprising the following steps:
the block chain end receives the transaction data forwarded by the server end for signature verification, and after the signature verification passes, the block chain end performs business logic processing according to the transaction data and returns the processing result to the server end;
the transaction data forwarded by the server side are obtained after validity verification of the transaction data sent by the client side, an encryption algorithm for checking labels at the end of a block chain is consistent with an encryption algorithm adopted in the digital signature process of the server side and the client side, and the service request carries at least one of credit issuing information, credit confirming information, credit financing information, investment quotation information, due purchase information, credit investment pre-forming information and bank lending information.
7. The method for payable, owed and financing based on blockchain technology according to claim 6, wherein the block chain end receives the transaction data forwarded by the server end for signature verification, and after the signature verification is passed, performs business logic processing according to the transaction data, and comprises:
registering the accounts receivable and debt right held by the creditor according to the service request, pushing the registered accounts receivable and debt right information to the debt person to which the accounts receivable and debt right belongs, and confirming the debt;
carrying out authenticity checking on the accounts receivable right information pushed by the right issuing module, and confirming whether the debtor agrees to carry out financing issuing on the accounts receivable right;
the debtor agrees to pay the credit right of the account to pay for financing release;
checking the released liability financing records of the accounts receivable and quoting corresponding to the liability financing amount of the accounts receivable;
matching the accounts receivable right financing bargaining result according to the released accounts receivable right financing records and the financing amount quotations;
issuing a payment instruction to the account receivable, creditor and financing records of the determined transaction;
and carrying out purchase processing operation on the account-to-be-received credit right financing record to be expired, and after the purchase processing is successful, adding the financing amount into a bank designated account to finally complete the whole process of account-to-be-received credit right financing.
8. The blockchain technology-based payable creditor financing method of claim 6, further comprising:
and synchronizing data of all nodes through a distributed account book mechanism, and broadcasting transaction data to all blockchain nodes.
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