CN112116482A - Financing data processing method and device based on block chain - Google Patents
Financing data processing method and device based on block chain Download PDFInfo
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Abstract
The application provides a financing data processing method and device based on a block chain, which can be used in the technical field of block chains, and the method comprises the following steps: receiving a financing request of a target enterprise sent by a target financial institution node; and judging whether the financing request is valid or not by applying a block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes the financing transaction corresponding to the financing request. The method and the device can avoid repeated financing risks, improve the accuracy of financing data processing, and further improve the safety of financing transactions of financial institutions.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a financing data processing method and apparatus based on a block chain.
Background
In the international trade field, with the rise of a credit/debit (O/A) settlement mode, various commercial banks issue commercial invoice financing services. The export trade invoice financing means that after an exporter sells goods to an importer by credit modes such as credit sale (O/A) and acceptance bill (D/A), the exporter transfers the accounts receivable generated based on the goods sale contract made by the exporter with a client (importer) at present or in the future to a bank, and the bank provides a financial service with pursuing right for short-term financing.
The export commercial invoice financing service is used as a novel international trade financing product, increases the trade opportunity, effectively avoids the exchange rate risk, but in the actual service, the bank only needs the documents provided by the enterprise to hardly judge the trade background of a certain specific service, namely the transaction background authenticity. Some exporters may often make related documents in advance in order to obtain the loan of the bank, may make up documents such as transaction background and counterfeit invoice, and the financing in the false transaction background leads to the risk that the bank cannot predict repayment. In addition, some enterprises may take copies of the same invoice to multiple banks for financing, and although the export settlement networking check system is implemented to suppress repeated financing to a certain extent, the networking check is total amount check and cannot check the invoice one by one, and repayment sources are uncertain, so that potential risk of financing of the export commercial invoice is caused.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a financing data processing method and device based on a block chain, which can avoid repeated financing risks, improve the accuracy of financing data processing and further improve the safety of financing transactions of financial institutions.
In order to solve the technical problem, the present application provides the following technical solutions:
in a first aspect, the present application provides a financing data processing method based on a block chain, including:
receiving a financing request of a target enterprise sent by a target financial institution node;
and judging whether the financing request is valid or not by applying a block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes the financing transaction corresponding to the financing request.
Further, the financing request comprises: the enterprise identification, the first contract information and the first customs declaration information of the target enterprise;
correspondingly, the applying the intelligent block chain contract judges whether the financing request is valid, if so, the valid information corresponding to the financing request is sent to the target financial institution node, so that the target financial institution node executes the financing transaction corresponding to the financing request, and the method includes:
if the first contract information is the same as the pre-stored second contract information, the first customs clearance information is the same as the pre-stored second customs clearance information, the first contract information is the same as the associated elements in the first customs clearance information, the target enterprise is an enterprise of a specified type, the enterprise identifier does not exist in a pre-stored enterprise list, and the first contract information or the first customs clearance information does not exist in the pre-stored financing transaction record, the block chain intelligent contract determines that the financing request is valid, and sends valid information corresponding to the financing request to the target financial institution node, so that the target financial institution node executes the financing transaction corresponding to the financing request.
Further, before the receiving the financing request of the target enterprise sent by the target financial institution node, the method further includes:
receiving a financing price inquiry request sent by a target enterprise;
sending the financing inquiry request to a plurality of financial institution nodes so that each financial institution node determines the financing rate of the target enterprise corresponding to the financial institution node based on a corresponding quotation model, a preset customer information table, a reference interest rate and the financing inquiry request, wherein each quotation model is obtained by pre-training a FastText model of the corresponding financial institution node;
and taking the financial institution node with the lowest corresponding financing rate as a target financial institution node corresponding to the target enterprise.
Further, after receiving the financing enquiry request sent by the target enterprise, the method further comprises the following steps:
and storing the second contract information in the financing price inquiry request.
Further, before the receiving the financing request of the target enterprise sent by the target financial institution node, the method further includes:
and receiving and storing second order information of the target enterprise, which is sent by the order node.
Further, the receiving a financing request of a target enterprise sent by a target financial institution node includes:
receiving a financing request of a target enterprise sent by a target financial institution node, wherein the financing request comprises: and the target financial institution node performs OCR recognition on the received contract image information and the received customs clearance image information of the target enterprise to obtain first contract information and first customs clearance information of the target enterprise.
Further, after the sending the valid information corresponding to the financing request to the target financial institution node to enable the target financial institution node to execute the financing transaction corresponding to the financing request, the method further includes:
receiving and storing in the processed financing transaction record the execution results of the financing transaction, including: first contract information and first customs declaration information for the target enterprise.
In a second aspect, the present application provides a financing data processing apparatus based on a block chain, comprising:
the system comprises a receiving module, a financing module and a financing module, wherein the receiving module is used for receiving a financing request of a target enterprise sent by a target financial institution node;
and the judging module is used for judging whether the financing request is valid or not by applying the block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so as to enable the target financial institution node to execute the financing transaction corresponding to the financing request.
In a third aspect, the present application provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the program, the processor implements the method for processing financing data based on a block chain.
In a fourth aspect, the present application provides a computer-readable storage medium having stored thereon computer instructions that, when executed, implement the method for blockchain-based financing data processing.
According to the technical scheme, the application provides a financing data processing method and device based on a block chain. Wherein, the method comprises the following steps: receiving a financing request of a target enterprise sent by a target financial institution node; judging whether the financing request is valid or not by applying a block chain intelligent contract, if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes financing transaction corresponding to the financing request, thereby avoiding repeated financing risk, improving accuracy of financing data processing and further improving safety of financing transaction of the financial institution; the reality that can effectively guarantee the financing transaction background and prevent and control repeated financing risk, support enterprise's customer to carry out the financing inquiry price, can obtain the competitive quotation information of many financial institutions, thereby select the optimal financing rate, simultaneously through initiating the business application, business is accepted and is handled on financial institution node, supplementary OCR identification technique can accomplish image information extraction and type-in automatically at financial institution node, promote the efficiency that the business was handled, provide more high-efficient and more high-quality service for enterprise's customer.
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 a financing data processing method based on block chains according to an embodiment of the present application;
FIG. 2 is a schematic flow chart diagram illustrating a method for processing financing data based on blockchains according to another embodiment of the present application;
FIG. 3 is a schematic flow chart diagram illustrating a method for processing financing data based on blockchains according to yet another embodiment of the present application;
FIG. 4 is a logic block diagram of a financing data processing method for exporting commercial invoices based on a block chain in an application example of the application;
FIG. 5 is a block chain-based financing data processing apparatus according to an embodiment of the present application;
FIG. 6 is a block chain-based architecture diagram of a financing data processing system for exporting commercial invoices in an application example of the application;
FIG. 7 is a schematic diagram of an enterprise node in an example application of the present application;
FIG. 8 is a schematic structural diagram of a sea joint in an application example of the present application;
FIG. 9 is a schematic structural diagram of a bank node in an application example of the present application;
FIG. 10 is a schematic structural diagram of a blockchain node in an application example of the present application;
fig. 11 is a schematic block diagram of a system configuration of an electronic device according to an embodiment of the present application.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
In order to solve the problems in the prior art, the application provides a financing data processing method and device based on a block chain, wherein information of relevant contracts, customs notes, bank financing, money return and the like of an enterprise is linked, and the consistency of each element of the contracts and the customs notes, whether the enterprise is a type A enterprise or not and whether the enterprise is in other relevant lists or not are automatically judged by adopting a block chain intelligent contract (prefabricated rule); contracts, customs and whether the other banks have handled remittance or financing; the risk of false financing and repeated financing can be effectively prevented and controlled, and the authenticity of the financing transaction background is effectively ensured; for enterprise customers, financing price inquiry on an enterprise customer chain is supported, competitive offer information of multiple financial institutions such as banks can be obtained, optimal financing rate is selected, business application is initiated on the chain, business acceptance and handling are carried out on the bank chain, image information can be automatically extracted and input by the aid of OCR recognition technology of financial institution nodes, offline operation can be reduced, business handling efficiency is improved, and efficient and high-quality service is provided for the customers.
It should be noted that the financing data processing method and apparatus based on the block chain disclosed in the present application can be used in the block chain technical field, and can also be used in any field except the block chain technical field.
Based on this, in order to avoid repeated financing risk, improve accuracy of financing data processing, and further improve security of financing transaction of financial institutions, an embodiment of the present application provides a financing data processing apparatus based on a block chain, where the apparatus may be a server or a client device, and the client device may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), a vehicle-mounted device, an intelligent wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch and intelligent bracelet etc..
In practical applications, the part of financing data processing based on block chain may be executed on the server side as described above, or all operations may be completed in the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.
The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.
The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.
The following examples are intended to illustrate the details.
In order to avoid the risk of repeated financing and improve the accuracy of financing data processing, and further improve the security of financing transaction of financial institutions, the present embodiment provides a block chain-based financing data processing method in which an execution subject is a block chain-based financing data processing apparatus, where the block chain-based financing data processing apparatus includes but is not limited to a server, as shown in fig. 1, and the method specifically includes the following contents:
step 100: and receiving a financing request of the target enterprise sent by the target financial institution node.
Specifically, the target financial institution node may be one of a plurality of financial institution nodes communicatively connected to the financing data processing means, the financial institution node including but not limited to a server of a financial institution, the financial institution may be a bank or a security company, etc.; it may be that the target enterprise node sends the financing request to the target financial institution node, which may be a server of the target enterprise.
Step 200: and judging whether the financing request is valid or not by applying a block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes the financing transaction corresponding to the financing request.
Executing the financing transaction corresponding to the financing request may refer to the target financial institution node executing a credit approval and then loan process; the valid information may be used to trigger the target financial institution node to execute a financing transaction corresponding to the financing request.
It is understood that if the blockchain intelligent contract is applied to determine that the financing request is invalid, the current operation can be aborted, and the abnormal behavior state of the target enterprise is recorded in the blockchain-based financing data processing device, so as to perform real-time monitoring on the state of the financing transaction.
In order to effectively determine the authenticity of the transaction background and further improve the security of financing transactions of financial institutions, in one embodiment of the present application, the financing request comprises: the enterprise identification, the first contract information and the first customs declaration information of the target enterprise; correspondingly, step 200 includes:
step 201: if the first contract information is the same as the pre-stored second contract information, the first customs clearance information is the same as the pre-stored second customs clearance information, the first contract information is the same as the associated elements in the first customs clearance information, the target enterprise is an enterprise of a specified type, the enterprise identifier does not exist in a pre-stored enterprise list, and the first contract information or the first customs clearance information does not exist in the pre-stored financing transaction record, the block chain intelligent contract determines that the financing request is valid, and sends valid information corresponding to the financing request to the target financial institution node, so that the target financial institution node executes the financing transaction corresponding to the financing request.
Specifically, the contract information may include: contract number, contract duration, invoice number, etc.; the order information may include: a customs clearance number, a customs clearance period, an invoice number, and the like; the associated element in the first contract information and the first policy information may be data, such as an invoice number, existing in both the first contract information and the first policy information. The second contract information can be contract information in a financing price inquiry request sent by a target enterprise, and can be stored in the financing data processing device based on the block chain in advance; the second order information may be order information uploaded to an order node when the target enterprise has a cargo export, and the order node uploads the order information to the financing data processing device based on the block chain. The enterprise id may be a unique id of the enterprise, and is used to distinguish different enterprises, such as an enterprise code or an enterprise name.
The pre-stored enterprise list can be set according to actual conditions and can be used for storing a controlled enterprise list, and if the enterprise identifier of the target enterprise is in the enterprise list, the financing request is invalid; the enterprise list can be a special attention list of the people's bank; the designated type of enterprise may be a type a enterprise, which may refer to a process trading enterprise that is supervised by a customs dispatcher at a factory or that is supervised by computer networking with a supervisor at a customs site, and that otherwise complies with class a enterprise management standards via customs assessment.
In order to obtain competitive quote information from multiple financial institutions for an enterprise to choose an optimal financing rate, in an embodiment of the present application, referring to fig. 2, before step 100, the method further includes:
step 010: and receiving a financing inquiry request sent by the target enterprise.
Specifically, the target enterprise node may send a financing inquiry price request to one of a plurality of financial institution nodes communicatively connected to the block chain-based financing data processing means, the financial institution node sending the received financing inquiry price request to the block chain-based financing data processing means; the target enterprise node can also directly send the financing price inquiry request to the financing data processing device based on the block chain; the target enterprise node may be a node communicatively coupled to the blockchain-based financing data processing apparatus, and may be a server of the target enterprise. The financing pricing inquiry request may include: the enterprise identification of the target enterprise, the second contract information, the financing principal range, the financing period and the currency.
Step 020: and sending the financing inquiry request to a plurality of financial institution nodes so that each financial institution node determines the financing rate corresponding to the target enterprise based on a corresponding quotation model, a preset customer information table, a reference interest rate and the financing inquiry request, wherein each quotation model is obtained by pre-training a FastText model for the corresponding financial institution node.
Specifically, each financial institution node is provided with a respective quotation model, a preset customer information table and a reference interest rate, each customer information table stores customer information of a corresponding financial institution, and the customer information may include: enterprise level and enterprise identity; each financial institution node is provided with a benchmark interest rate of a corresponding financial institution, whether a client identifier of the target enterprise and a client star level of the target enterprise exist in a preset client information table or not can be determined by applying the quotation model based on the benchmark interest rate, the financing principal range of the target enterprise, the financing period, the currency type and the client star level of the target enterprise, the corresponding deduction category of the target enterprise in each financial institution node is obtained, and the financing rates of the target enterprise at different financial institutions are determined based on the deduction category. The financial institution nodes or the financing data processing device based on the block chain pre-store the corresponding relation information between the exemption type and the financing rate, and can be set according to the actual situation. And the financing rate is the financing rate provided by the financial institution corresponding to the financial institution node for the target enterprise.
Furthermore, the FastText model can be trained by applying the historical customer information of a plurality of financial institutions, the financing principal range, the financing period, the currency, the reference interest rate and the actual deduction category corresponding to the historical customer information, so as to obtain the quotation model corresponding to each financial institution.
Step 030: and taking the financial institution node with the lowest corresponding financing rate as a target financial institution node corresponding to the target enterprise.
In order to further improve the reliability of the transaction background authenticity determination result, after the step 010, the method further includes:
step 011: and storing the second contract information in the financing price inquiry request.
Specifically, the second contract information is contract information in the financing inquiry request, and the second contract information may be stored in the block chain-based financing data processing apparatus for next comparing whether the contract information in the financing inquiry request is the same as the contract information in the financing request, so as to improve the reliability of the contract information.
In order to further improve the reliability of the transaction background authenticity determination result, before step 100, the method further includes:
step 001: and receiving and storing second order information of the target enterprise, which is sent by the order node.
Specifically, the customs clearance node may be a node communicatively connected to the block chain-based financing data processing apparatus, and may be a server of customs; the second order information may be order information uploaded to an order node by a target enterprise when a goods export occurs, and the order node uploads the order information to the financing data processing device based on the block chain, so as to compare whether the order information sent by the order node is the same as the order information in the financing request, thereby improving the reliability of the order information.
To further improve the accuracy and intelligence of the financing data processing, in one embodiment of the present application, referring to fig. 3, step 100 includes:
step 101: receiving a financing request of a target enterprise sent by a target financial institution node, wherein the financing request comprises: and the target financial institution node performs OCR recognition on the received contract image information and the received customs clearance image information of the target enterprise to obtain first contract information and first customs clearance information of the target enterprise.
Specifically, contract image information and customs declaration image information can be obtained through scanning or photographing and other modes; the first contract information in the contract image information can be obtained by performing OCR recognition on the contract image information, and the first order information in the order image information can be obtained by performing OCR recognition on the order image information.
In order to avoid repeated financing, improve the accuracy of financing data processing, and further maintain the security of the financial institution trading process, after step 200, the method further includes:
step 300: receiving and storing in the processed financing transaction record the execution results of the financing transaction, including: first contract information and first customs declaration information for the target enterprise.
Specifically, the transacted financing transaction record may be pre-stored in the block chain-based financing data processing apparatus for storing financing transaction records executed by the respective financial institution nodes.
In order to further explain the scheme, the application example of the financing data processing method for realizing the export commercial invoice based on the block chain is provided, in the application example, the financing data processing of the export commercial invoice is realized in a mode of jointly building an alliance chain by a bank, a customs and an enterprise, and the authenticity verification of the financing transaction background and the repeated financing risk prevention and control can be effectively ensured; meanwhile, business application on a client chain and business acceptance and handling on a bank chain are supported, image information can be automatically extracted and input by a bank node assisted OCR recognition technology, and the business handling efficiency is improved; referring to fig. 4, the method specifically includes:
step 1: the goods export reports the customs; namely, the enterprise generates a goods export, fills in customs declaration information and submits customs declaration.
Step 2: data uplink of the order; that is, customs links the enterprise customs clearance information, the goods trade classification data and other control information.
And step 3: applying for financing; namely, the enterprise applies for the export trade financing to the bank (if the enterprise is linked, the enterprise can apply for the transaction on the chain).
And 4, step 4: enterprise contracts and customs notes; namely, the bank accepts the financing application of the enterprise client, and links the information of the enterprise related to the contract, the customs clearance and the like.
And 5: judging on the chain the consistency of the order and whether it has been used (intelligent contract); namely, the automatic judgment is carried out through a block chain intelligent contract (prefabrication rule):
(1) consistency of each element of the contract and the customs declaration; the consistency includes that the contract information is the same as the contract information stored in the block link point, such as a contract number and a contract period, the order information is the same as the order information stored in the block link point, such as an order number and an order period, and the consistency of the contract information and the associated elements in the order information, such as an invoice number embodied in the contract, is consistent with an invoice number in the order information.
(2) The enterprise is a type A enterprise and is not in other related lists (such as a special attention list of people's banks);
(3) contracts, customs and whether the other banks do not handle remittance or financing; the chain entering bank follows the data chain entering principle in the links of financing distribution or collection, repayment and the like.
Step 6: the verification is passed; namely, if the enterprise accords with the conditions (1), (2) and (3), the verification is passed, and the bank considers the enterprise to be real and effective after the verification is passed.
Step 6': an exception that failed verification; if the verification fails, the bank stops settlement or financing business, and the block chain node registers the abnormal behavior state of the enterprise.
And 7: paying off; namely, the bank releases the money after credit approval and other in-line processes.
And 8: repayment; namely, the enterprise receives the payment or partial payment, and the bank links the information of the collection and payment of the enterprise.
Specifically, in the export commercial invoice financing transaction, in order to avoid transaction risk, it is generally agreed that the remittance payment is preferentially used for repaying financing of the bank, the net amount is only entered into the customer account, and the uplink of the remittance payment information can realize fund monitoring and risk pre-judgment.
In terms of software, in order to avoid repeated financing risk, improve accuracy of financing data processing, and further improve reliability of financing processing, the present application provides an embodiment of a financing data processing apparatus based on a block chain for implementing all or part of the contents in the financing data processing method based on a block chain, with reference to fig. 5, where the financing data processing apparatus based on a block chain specifically includes the following contents:
and the receiving module 10 is used for receiving the financing request of the target enterprise sent by the target financial institution node.
The determining module 20 is configured to determine whether the financing request is valid by using a blockchain intelligent contract, and if yes, send valid information corresponding to the financing request to the target financial institution node, so that the target financial institution node executes a financing transaction corresponding to the financing request.
The embodiment of the financing data processing apparatus based on a block chain provided in this specification may be specifically used to execute the processing flow of the embodiment of the financing data processing method based on a block chain, and its functions are not described herein again, and reference may be made to the detailed description of the embodiment of the financing data processing method based on a block chain.
To further illustrate the present solution, the present application further provides a block chain-based financing data processing system for exporting commercial invoices, referring to fig. 6, the system comprising: enterprise node 01, customs node 02, bank node 03 and block link point 04; the functions realized by the customs nodes can be equivalent to the functions realized by the customs clearance nodes; the functions realized by the bank nodes can be equivalent to the functions realized by the financial institution nodes; the function realized by the block chain link points can be equivalent to the function realized by the financing data processing device based on the block chain; the target enterprise node may be one of a plurality of enterprise nodes; each node may be a server respectively disposed in different areas.
The enterprise node 01: the system has the related functions of financing application, application progress inquiry and credit information verification of the enterprise by an enterprise authorization bank. Referring to fig. 7, the enterprise node 01 includes a service price inquiry module 11, a service application module 12, a service credential downloading module 13, an operation information inquiry authorization module 14, an identity authentication module 15, a data storage module 16, and a broadcast block chain module 17. Specifically, the enterprise performs financing inquiry through the service inquiry module 11, and needs to upload a transaction background certification document, which includes: trade contracts/orders, export business invoices, customs statements, shipping documents, and other documentation. After inquiring price and determining financing intention bank, the enterprise submits financing application through the business application module 12.
Customs node 02: the method mainly realizes the uplink of the customs clearance information of the enterprise and provides customs clearance verification service. Referring to fig. 8, the customs node 02 includes a customs declaration checking module 21, an identity authentication module 22, a data storage module 23, and a broadcast blockchain module 24.
The bank node 03: the system has the functions of applying, accepting, checking, paying and registering and inquiring enterprise credit information for the export trade financing generation. Referring to fig. 9, the bank node 03 includes a financing agent application module 31, a financing acceptance module 32, a financing auditing module 33, a financing payment registration module 34, a financing repayment registration module 35, a financing quotation module 36, an enterprise credit information verification module 37, a banking system data access module 38, an identity authentication module 39, a data storage module 310, and a broadcast block chain module 311.
And the block chain node 04 is responsible for executing the intelligent contract, realizes storage on a data chain, and ensures data accuracy and tamper resistance. Referring to fig. 10, the block link point 04 includes a plurality of consensus nodes 42, a plurality of witness nodes 41, a block link export invoice financing processing intelligent contract module 43, a data storage module 44 and a data transmission module 45.
The details of the bank node 03 are as follows:
financing agent application module 31: if the enterprise is not linked, the financing application can not be carried out through the enterprise node 01, the financing agency application registration can be carried out through the unit by the bank, and relevant image information such as invoices, customs notes and the like is required to be uploaded when the application registration is carried out.
Financing acceptance module 32: for accepting financing application submitted by enterprise, referring to fig. 9, the financing acceptance module 32 includes an OCR recognition processing unit 321 and a customs ticket verification unit 322. Wherein:
the OCR recognition processing unit 321: the financing application information sent by the enterprise node 01 or the financing application information registered by the financing agent application module 31 of the bank node is received, OCR recognition is carried out on the image information (trade contract/order, export business invoice, customs declaration and transportation receipt) attached to the application, and the contract information and the customs declaration information are automatically extracted for structured processing. The customs clearance checking unit 322 calls the extracted contract information and the customs clearance information to the intelligent contract module for processing block chain export invoice financing of the block chain node 04 to check the customs clearance. The intelligent contract rules are preset as follows:
(1) consistency of each element of the contract and the customs declaration;
(2) whether the enterprise is a type A enterprise and whether the enterprise is in other related lists (such as a focus list of people's banks);
(3) whether the contract, the order have been processed by other banks for remittance or financing.
Financing auditing module 33: the application successfully accepted by the financing acceptance module 32 is checked for financing application of the enterprise client through the unit, and the financing amount is determined.
Financing deposit registration module 34: and carrying out financing and paying on the service application which finishes the financing examination, and registering relevant information of paying, such as paying amount, paying date, due date and the like.
Financing payment registration module 35: the bank receives the enterprise refund for financing repayment or receives the application for financing repayment through own funds submitted by the enterprise, and registers repayment related information, such as repayment date, repayment amount, financing balance and the like.
Financing quotation module 36: after the financing inquiry price submitted by the enterprise is checked to pass by the customs clearance checking unit 322 of the financing acceptance module 32, the price is quoted through the module, mainly the information of financing rate, discount and the like. And the financing quotation module calculates the suggested financing rate through an intelligent quotation model, and completes quotation information entering into the chain after the suggested financing rate is confirmed by a bank. The intelligent quotation model automatically calculates the suggested financing rate and the preferential discount rate according to the financing principal range, the financing period, the currency, the reference interest rate, whether the client identification exists or not, the client star level and other related information. For example, if the customer belongs to the existing big customer of the bank, the preferential rate can be set by the parameters; if the customers in the non-bank row have expansion prospects, the first preferential interest rate can be given if the expansion prospects are available, and new customer expansion is realized.
Model selection and training: and inputting a word sequence by adopting a FastText model, and outputting the probability that the word sequence belongs to different categories. The words and phrases in the sequence constitute a feature vector, the feature vector is mapped to the middle layer through linear transformation, and the middle layer is mapped to the label. And training the model by applying the preprocessed data.
Enterprise credit information verification module 37: the bank can independently initiate a request for checking the credit information of the enterprise through the module, and the enterprise obtains a checking result after passing the authorization.
Banking system data access module 38: the bank participant can access the service processing data information to the bank node through an API (application programming interface) interface or a text import mode after completing the service processing such as financing, payment and the like in the internal service system of the bank through the module.
The identity authentication module 39: and the system is responsible for identity authority verification and authentication of the bank nodes.
The data storage module 310: and the information responsible for processing the financing service is stored in the bank node.
Broadcast blockchain module 311: and the system is responsible for broadcasting financing service processing information to the block link point consensus.
The method relates to a broadcast block chain module of a related node, which is responsible for uploading data to a block chain after the data operation of the local node is updated and the Hash signature of a private key is adopted for confirmation, so that the authenticity and accuracy of the data are ensured.
According to the description, the financing data processing method and device based on the block chain can avoid repeated financing risks, improve the accuracy of financing data processing, and further improve the safety of financing transactions of financial institutions; the reality that can effectively guarantee the financing transaction background and prevent and control repeated financing risk, support enterprise's customer to carry out the financing inquiry price, can obtain the competitive quotation information of many financial institutions, thereby select the optimal financing rate, simultaneously through initiating the business application, business is accepted and is handled on financial institution node, supplementary OCR identification technique can accomplish image information extraction and type-in automatically at financial institution node, promote the efficiency that the business was handled, provide more high-efficient and more high-quality service for enterprise's customer.
In terms of hardware, in order to avoid repeated financing risk, improve accuracy of financing data processing, and further improve security of financing transaction of financial institutions, the present application provides an embodiment of an electronic device for implementing all or part of contents in the block chain-based financing data processing method, where the electronic device specifically includes the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the financing data processing device based on the block chain, the user terminal and other related equipment; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment of the method for processing financing data based on a block chain and the embodiment of the device for processing financing data based on a block chain in the embodiments, and the contents thereof are incorporated herein, and repeated details are not repeated here.
Fig. 11 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 11, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this FIG. 11 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one or more embodiments of the present application, the blockchain-based financing data processing functionality may be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:
step 100: and receiving a financing request of the target enterprise sent by the target financial institution node.
Step 200: and judging whether the financing request is valid or not by applying a block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes the financing transaction corresponding to the financing request.
From the above description, it can be known that the electronic device provided in the embodiments of the present application can avoid the risk of repeated financing, improve the accuracy of financing data processing, and further improve the security of financing transaction of a financial institution.
In another embodiment, the financing data processing device based on the block chain may be configured separately from the central processor 9100, for example, the financing data processing device based on the block chain may be configured as a chip connected with the central processor 9100, and the financing data processing function based on the block chain is realized by the control of the central processor.
As shown in fig. 11, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 11; in addition, the electronic device 9600 may further include components not shown in fig. 11, which may be referred to in the prior art.
As shown in fig. 11, a central processing unit 9100, also sometimes referred to as a controller or operational control, may include a microprocessor or other processor device or logic device, which central processing unit 9100 receives input and controls operation of various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers of the electronic device for communication functions or for performing other functions of the electronic device (e.g., messaging application, contact book application, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
As can be seen from the above description, the electronic device provided in the embodiment of the present application can avoid the risk of repeated financing, improve the accuracy of financing data processing, and further improve the security of financing transactions of financial institutions.
An embodiment of the present application further provides a computer-readable storage medium capable of implementing all the steps in the financing data processing method based on block chain in the above embodiment, where the computer-readable storage medium stores thereon a computer program, and the computer program when executed by a processor implements all the steps of the financing data processing method based on block chain in the above embodiment, for example, the processor implements the following steps when executing the computer program:
step 100: and receiving a financing request of the target enterprise sent by the target financial institution node.
Step 200: and judging whether the financing request is valid or not by applying a block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes the financing transaction corresponding to the financing request.
As can be seen from the above description, the computer-readable storage medium provided in the embodiments of the present application can avoid the risk of repeated financing, improve the accuracy of financing data processing, and further improve the security of financing transactions of financial institutions.
In the present application, each embodiment of the method is described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. Reference is made to the description of the method embodiments.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow or block of the flowchart illustrations or block diagrams, and combinations of flows or blocks in the flowchart illustrations or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows, or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows or block diagram block or blocks.
The principle and the implementation mode of the present application are explained by applying specific embodiments in the present application, and the description of the above embodiments is only used to help understanding the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A financing data processing method based on block chains is characterized by comprising the following steps:
receiving a financing request of a target enterprise sent by a target financial institution node;
and judging whether the financing request is valid or not by applying a block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so that the target financial institution node executes the financing transaction corresponding to the financing request.
2. The method of processing block chain-based financing data according to claim 1, characterized in that the financing request includes: the enterprise identification, the first contract information and the first customs declaration information of the target enterprise;
correspondingly, the applying the intelligent block chain contract judges whether the financing request is valid, if so, the valid information corresponding to the financing request is sent to the target financial institution node, so that the target financial institution node executes the financing transaction corresponding to the financing request, and the method includes:
if the first contract information is the same as the pre-stored second contract information, the first customs clearance information is the same as the pre-stored second customs clearance information, the first contract information is the same as the associated elements in the first customs clearance information, the target enterprise is an enterprise of a specified type, the enterprise identifier does not exist in a pre-stored enterprise list, and the first contract information or the first customs clearance information does not exist in the pre-stored financing transaction record, the block chain intelligent contract determines that the financing request is valid, and sends valid information corresponding to the financing request to the target financial institution node, so that the target financial institution node executes the financing transaction corresponding to the financing request.
3. The method of processing blockchain-based financing data according to claim 1, further comprising, before the receiving of the financing request of the target enterprise sent by the target financial institution node:
receiving a financing price inquiry request sent by a target enterprise;
sending the financing inquiry request to a plurality of financial institution nodes so that each financial institution node determines the financing rate of the target enterprise corresponding to the financial institution node based on a corresponding quotation model, a preset customer information table, a reference interest rate and the financing inquiry request, wherein each quotation model is obtained by pre-training a FastText model of the corresponding financial institution node;
and taking the financial institution node with the lowest corresponding financing rate as a target financial institution node corresponding to the target enterprise.
4. The method of claim 3, wherein after receiving a financing enquiry request from a target enterprise, the method further comprises:
and storing the second contract information in the financing price inquiry request.
5. The method of processing blockchain-based financing data according to claim 1, further comprising, before the receiving of the financing request of the target enterprise sent by the target financial institution node:
and receiving and storing second order information of the target enterprise, which is sent by the order node.
6. The method according to claim 1, wherein the receiving of the financing request of the target enterprise sent by the target financial institution node comprises:
receiving a financing request of a target enterprise sent by a target financial institution node, wherein the financing request comprises: and the target financial institution node performs OCR recognition on the received contract image information and the received customs clearance image information of the target enterprise to obtain first contract information and first customs clearance information of the target enterprise.
7. The method for processing financing data based on block chain as claimed in claim 2, further comprising, after the sending of the valid information corresponding to the financing request to the target financial institution node to make the target financial institution node execute the financing transaction corresponding to the financing request:
receiving and storing in the processed financing transaction record the execution results of the financing transaction, including: first contract information and first customs declaration information for the target enterprise.
8. A block chain-based financing data processing apparatus, comprising:
the system comprises a receiving module, a financing module and a financing module, wherein the receiving module is used for receiving a financing request of a target enterprise sent by a target financial institution node;
and the judging module is used for judging whether the financing request is valid or not by applying the block chain intelligent contract, and if so, sending valid information corresponding to the financing request to the target financial institution node so as to enable the target financial institution node to execute the financing transaction corresponding to the financing request.
9. An electronic 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 processing financing data based on a blockchain according to any one of claims 1 to 7 when executing the program.
10. A computer-readable storage medium having stored thereon computer instructions, wherein the instructions, when executed, implement the method of blockchain-based financing data processing according to any one of claims 1 to 7.
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| CN114155091A (en) * | 2021-12-07 | 2022-03-08 | 工银科技有限公司 | Financing method, device and system based on block chain |
| CN118297686A (en) * | 2024-04-28 | 2024-07-05 | 北京智慧金源信息科技有限公司 | Intelligent audit method and system for financial business and electronic equipment |
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