CN112199695A - Processing method and device for receivable financing, electronic device and storage medium - Google Patents
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Abstract
The application relates to a processing method, a device, an electronic device and a storage medium for receivables financing, wherein the processing method comprises the following steps: acquiring first receivable account information; encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information; and transmitting the second account receivable information to a blockchain layer, and further utilizing a consensus algorithm to persist the second account receivable information to the blockchain. By the method and the device, the problem of high trust cost of receivable financing processing is solved, and safe and reliable receivable financing is realized.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing receivable financing, an electronic apparatus, and a storage medium.
Background
The receivable financing refers to the condition that the receivable financing formed by credit is conditionally transferred or credited to a special financing party such as a financial institution by a financer such as a supplier, so that an enterprise using credit as a mode obtains required funds and the turnover of the funds is enhanced. The receivables financing mode is essentially a credit financing mode, and can be applied to any enterprise with receivables.
In the related art, data of organizations and enterprises cannot be shared, and information islanding problems exist among enterprises on the same supply chain. Data among all accounts receivable transfer financing participants are opaque, so that business transactions among enterprises lack of credible trading scenes, and the phenomena of data tampering, data incapability of tracing and the like easily occur in the account receivable transfer financing process; moreover, for financing parties such as financial institutions, because information of medium and small enterprises is not sufficiently disclosed and authenticity of the information cannot be guaranteed, certain default risks exist, such as the fact that a loan party fails to pay back a loan, and the trust cost of the accounts receivable financing process is high.
At present, no effective solution is provided for the problem of high trust cost of account receivable financing processing in the related technology.
Disclosure of Invention
The embodiment of the application provides a method and a device for processing receivable financing, an electronic device and a storage medium, so as to at least solve the problem of high trust cost of receivable financing processing in the related technology.
In a first aspect, an embodiment of the present application provides a method for processing receivables financing, where the method includes:
acquiring first receivable account information;
encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information;
and transmitting the second account receivable information to a blockchain layer, and then utilizing a consensus algorithm to persist the second account receivable information to a blockchain.
In some embodiments, the encrypting the first receivable information using the smart contract to obtain the second receivable information includes:
generating a key of the first receivable account information according to a symmetric encryption algorithm by using the intelligent contract;
and encrypting the first account receivable information according to the key to obtain the second account receivable information.
In some embodiments, after the encrypting the first receivable information according to the key to obtain the second receivable information and before the transmitting the second receivable information to the blockchain, the method further includes:
and generating an authorization permission table according to the first receivable account information and storing the authorization permission table in the intelligent contract.
In some of these embodiments, after the transmitting the second receivable information to a blockchain layer, thereby persisting the second receivable information onto a blockchain utilizing a consensus algorithm, the method further comprises:
receiving an access instruction of a user for the second receivable information;
under the condition that the second account receivable information exists on the block chain, acquiring a detection result matched with the second account receivable information according to the authorization permission table;
when the detection result is data authorization, the intelligent contract is used for symmetric decryption, and third receivable information is obtained;
acquiring fourth receivable account information by using an asymmetric encryption algorithm according to the third receivable account information and the secret key, and sending the fourth receivable account information to a terminal;
and under the condition of receiving the private key of the terminal, sending the decrypted fourth receivable information to the terminal for displaying.
In some embodiments, after obtaining the detection result matching the second receivable information, the method further includes:
receiving an authorization application instruction of the user under the condition that the detection result is that the data is not authorized;
obtaining an authorization result of a data owner according to the authorization application instruction; wherein the authorization result is used for indicating the data viewing permission of the user.
In some of these embodiments, said transmitting the second receivables information to a blockchain layer comprises:
and accessing a Hyperchain platform of the block chain by using the intelligent contract to uplink the process data in the first receivable account information.
In some embodiments, after accessing the Hyperchain platform of the blockchain using the smart contract, the method further comprises:
and sending the information of the block chain link points and the intelligent contract information in the block chain to a terminal through an interface of the Hyperchain platform.
In some of these embodiments, the persisting the second receivables information onto a blockchain comprises:
and storing the structured data of the second receivable information into the block chain, and storing the unstructured data of the second receivable information into a file cache device.
In some of these embodiments, the persisting the second receivables information onto a blockchain comprises:
and utilizing a distributed account book technology to link the second receivable account information storage area blocks.
In a second aspect, an embodiment of the present application provides an apparatus for processing receivables financing, the apparatus including: the device comprises an acquisition module, an encryption module and a chain loading module;
the acquisition module is used for acquiring first receivable account information;
the encryption module is used for encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information;
and the uplink module is used for transmitting the second receivable account information to a block chain layer, and then persisting the second receivable account information to the block chain by utilizing a consensus algorithm.
In a third aspect, an embodiment of the present application provides an electronic device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor, when executing the computer program, implements the processing method of receivables financing as described in the first aspect.
In a fourth aspect, embodiments of the present application provide a storage medium having a computer program stored thereon, where the computer program is executed by a processor to implement the method for processing receivables financing as described in the first aspect above.
Compared with the related art, the method, the device, the electronic device and the storage medium for processing the receivable financing, which are provided by the embodiment of the application, are used for acquiring the first receivable information; encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information; and transmitting the second receivable account information to a block chain layer, and then persisting the second receivable account information to the block chain by using a consensus algorithm, so that the problem of high trust cost of receivable account financing processing is solved, and safe and reliable receivable account financing is realized.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a view illustrating an application scenario of a receivables financing processing method according to an embodiment of the present application;
FIG. 2 is a flow chart of a method of receivables financing processing in accordance with an embodiment of the present application;
FIG. 3 is a flow chart of another method of receivables financing in accordance with an embodiment of the present application;
FIG. 4 is a flow chart of yet another method of receivables financing processing in accordance with an embodiment of the present application;
fig. 5 is a flow chart of an receivables information query according to an embodiment of the application;
fig. 6 is a block diagram of an arrangement of an receivables financing processing apparatus according to an embodiment of the present application;
FIG. 7 is a block diagram of another receivable financing apparatus according to an embodiment of the present application;
FIG. 8 is a schematic diagram of an accounts receivable financing processing system framework in accordance with an embodiment of the present application;
fig. 9 is a block diagram of the inside of a computer device according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described and illustrated below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments provided in the present application without any inventive step are within the scope of protection of the present application. Moreover, it should be appreciated that in the development of any such actual implementation, as in any engineering or design project, numerous implementation-specific decisions must be made to achieve the developers' specific goals, such as compliance with system-related and business-related constraints, which may vary from one implementation to another.
Reference in the specification to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the specification. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of ordinary skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments without conflict.
Unless defined otherwise, technical or scientific terms referred to herein shall have the ordinary meaning as understood by those of ordinary skill in the art to which this application belongs. Reference to "a," "an," "the," and similar words throughout this application are not to be construed as limiting in number, and may refer to the singular or the plural. The present application is directed to the use of the terms "including," "comprising," "having," and any variations thereof, which are intended to cover non-exclusive inclusions; for example, a process, method, system, article, or apparatus that comprises a list of steps or modules (elements) is not limited to the listed steps or elements, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus. Reference to "connected," "coupled," and the like in this application is not intended to be limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. Reference herein to "a plurality" means greater than or equal to two. "and/or" describes an association relationship of associated objects, meaning that three relationships may exist, for example, "A and/or B" may mean: a exists alone, A and B exist simultaneously, and B exists alone. Reference herein to the terms "first," "second," "third," and the like, are merely to distinguish similar objects and do not denote a particular ordering for the objects.
In this embodiment, an application scenario of receivables financing processing is provided, and fig. 1 is an application scenario diagram of a receivables financing processing method according to an embodiment of the present application, as shown in fig. 1, a blockchain Network 102, a server 104, and a terminal 106 communicate through a Network, where the Network may include a Local Area Network (LAN), a Wide Area Network (WAN), the internet, or a combination thereof, and is connected to a website, a user device (e.g., a computing device), and a backend system. The server 104 encrypts the acquired first receivable account information through a preset intelligent contract, and further transmits the acquired second receivable account to the blockchain network 102; the server 104 further obtains the fourth receivable information by using an asymmetric encryption algorithm through the authorization permission table, and sends the fourth receivable information to the terminal 106, and finally displays the decrypted fourth receivable on the terminal 106. Alternatively, the servers 104 may be nodes of a cloud computing system (not shown), or each server 104 may be a separate cloud computing system comprising multiple computers interconnected by a network and operating as a distributed processing system. Server 104 may run any suitable computing system that enables it to act as a node in blockchain network 102.
In this embodiment, a method for processing receivables financing is provided, and fig. 2 is a flowchart of a method for processing receivables financing according to an embodiment of the present application, as shown in fig. 2, the flowchart includes the following steps:
step S202, acquiring first receivable account information; the first receivable account information is acquired through a business layer in the receivable account financing system in the application; the first receivable information may be a contract, an order, a receivables detail of the last year, and the like held by the company, which are entered by the enterprise user in the financing system.
Step S204, encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information; the intelligent contract is a computer program which is deployed on a blockchain Hyperchain platform and can automatically execute terms, and can automatically execute a predefined protocol according to external input information and complete the transfer of related states in the blockchain; the receivable financing system sends the encryption management of the data to an intelligent contract for management based on a preset encryption contract; for example, a random factor is generated by a smart contract so as to generate a key to realize data encryption, the smart contract indicating the type is the cryptographic contract, the random factor is stored in the cryptographic contract, and the external smart contract is enabled to obtain the key generated by the random factor through legal blockchain transaction through access control of data in the cryptographic contract.
Step S206, transmitting the second receivable information to a blockchain layer, and then persisting the second receivable information to the blockchain by using a consensus algorithm; the second account receivable information can be stored based on the distributed account book technology of the block chain, and the encrypted data which are identified by the common knowledge are stored on the block chain nodes of each participant, and the data of the block chain nodes are consistent and synchronous in real time; it should be noted that the consensus refers to a way and a way to record information of all nodes on the blockchain, and to obtain a record policy recognized by all nodes on the blockchain so as to finally reach an agreement.
In the related technology, business transactions among enterprises lack of credible trading scenes, so that the credible cost of receivable financing processing is high; in the embodiment of the application, through the steps S202 to S206, the acquired first receivable account information is encrypted by using a preset intelligent contract, and the acquired second receivable account is transmitted to the blockchain network for uplink storage, so that the blockchain technology is introduced into supply chain finance, a set of blockchain + digital asset receivable account financing system is autonomously developed, a key link in the digitization process of the focused industry, namely data storage, is realized, the blockchain technology is used for helping an enterprise to realize encrypted storage of data assets, a last layer window for establishing connection by an enterprise user is broken, and innovation power of supply chain data finance is activated, so that the information of receivable account financing is guaranteed to be real and credible by using characteristics of decentralization, non-tampering, traceability and the like of the blockchain, and the problem of high trust cost of receivable financing processing is solved, safe and reliable receivable financing is realized.
In some embodiments, a method for processing receivables financing is provided, and fig. 3 is a flowchart of another method for processing receivables financing according to an embodiment of the present application, as shown in fig. 3, the flowchart further includes the following steps:
step S302, a secret key of the first receivable account information is generated according to a symmetric encryption algorithm by using the intelligent contract; encrypting the first receivable account information according to the key to obtain the second receivable account information; after the symmetric encryption is completed, the data and files of the receivable account information are in an encrypted state in the whole receivable account financing system, and any party cannot directly display the plaintext state of the data and files.
Through the steps S302 to S304, the receivable information is encrypted through the symmetric encryption algorithm, so that data encryption storage of the receivable information is realized, and the safety of receivable financing processing is effectively improved.
In some embodiments, after the first receivable information is encrypted according to the key to obtain the second receivable information and before the second receivable information is transmitted to the blockchain, the method for processing the receivable information further includes the following steps: generating an authorization permission table according to the first receivable account information and storing the authorization permission table in the intelligent contract; after the symmetric encryption is finished, performing authorization binding operation on the data, generating an authorization permission list and storing the authorization permission list in a service layer intelligent contract; the grant permission table may be used to provide a determination basis for a data query operation of the uplink second receivable information.
In some embodiments, a schematic diagram of accounts receivable financing is provided, and fig. 4 is a flowchart of another method for processing accounts receivable financing according to the embodiment of the present application, as shown in fig. 4, the flowchart further includes the following steps:
step S402, receiving an access instruction of the user to the second receivable information; under the condition that the second account receivable information exists on the block chain, acquiring a detection result matched with the second account receivable information according to the authorization permission table;
step S404, when the detection result is data authorization, the intelligent contract is used for symmetric decryption, and third account receivable information is obtained; acquiring fourth receivable account information by using an asymmetric encryption algorithm according to the third receivable account information and the key, and sending the fourth receivable account information to the terminal; under the condition that the private key of the terminal is received, sending the decrypted fourth receivable information to the terminal for displaying;
wherein, the asymmetric encryption algorithm needs two keys: in the embodiment of the application, the decrypted data is asymmetrically encrypted by using the public key of the user, and finally the encrypted data is pushed to the user, so that the user can view the data after decrypting the data by using the private key of the user.
Step S406, receiving an authorization application instruction of the user under the condition that the detection result is that the data is not authorized; obtaining an authorization result of a data owner according to the authorization application instruction; wherein, the authorization result is used for indicating the data viewing authority of the user; the user needs to initiate an authorization application operation, at the moment, an authorization application is pushed to a data owner by an intelligent contract, and the data owner determines whether to authorize or not. If permission is authorized, the user can view the data; otherwise, the user does not have the right to view the data information.
Through the steps S402 to S406, in the process of accessing data by a user, symmetrically decrypting the data through the encrypted intelligent contract, and asymmetrically encrypting the decrypted data through the public key of the user, so that the fusion of a block chain and accounts receivable is realized as a basis, the problem of multi-center, distributed and encrypted storage of enterprise user data is solved by combining a symmetric encryption algorithm and an asymmetric encryption algorithm, and the safety of the financing of the accounts receivable is improved; meanwhile, the system peels off the ownership of the data from the owner, hands over the production and maintenance of key information to the block chain, performs access control through a block chain account in combination with a block chain intelligent contract, finally realizes the data storage right, and separates the ownership of the data from the data query right, finally realizes privacy protection and access control based on the block chain, provides data guarantee for the data assets of subsequent deep living enterprises and the drive service innovation, and supports richer and more flexible data application in the future.
Specifically, the receivable financing system provides data query service for the uplink data information, wherein the data query is divided into two modes: 1. reading information on the chain based on the ownership of the data; 2. reading of information on the chain after authorization by the owner of the data. Fig. 5 is a flowchart of an account receivable information query according to an embodiment of the present application, and as shown in fig. 5, the flowchart includes the following steps:
and S502, judging whether the account receivable information exists on the chain.
Step S504, if the determination result in the step S502 is yes, whether the data ownership exists is determined; when the user such as an enterprise and a bank accesses the account receivable information, the intelligent contract judges whether the account receivable information is in the authorization list of the data.
Step S506, if the judgment result in the step S504 is negative, whether authorization is allowed is judged; the user needs to initiate an authorization application operation, at the moment, an authorization application is pushed to a data owner by an intelligent contract, and the data owner determines whether to authorize or not; if the authorization is allowed, the user can check the receivable information; otherwise, the user has no right to view the account receivable information.
Step S508, if the determination result in step S504 is yes, or the determination result in step S506 is yes, returning query information; the data are symmetrically decrypted through the encrypted intelligent contract, the decrypted data are asymmetrically encrypted through the public key of the user, the encrypted data are pushed to the user, and the user can check the data after decrypting the data through the private key of the user.
In step S510, if the determination result in step S504 is no, or the determination result in step S506 is no, failure information is returned.
In some of these embodiments, transmitting the second receivables information to the blockchain layer comprises: and accessing a Hyperchain platform of the block chain by using the intelligent contract to chain the process data in the first receivable account information. The block chain Hyperchain bottom platform realizes the full-process management of the receivable financing system, the business system accesses the block chain bottom platform through an intelligent contract, and links important process data related to enterprise financing, credit granting and the like in the receivable financing, so that the safety is high, and the safety of receivable financing processing is further improved.
After accessing the Hyperchain platform of the blockchain by using the intelligent contract, the method further comprises the following steps: sending the information of the block chain link points and the intelligent contract information in the block chain to a terminal through an interface of the Hyperchain platform; the Hyperchain provides a powerful Web management control platform for enterprise users, and the enterprise users can interact with the Hyperchain through an Application Programming Interface (API) Interface of the Hyperchain, so that real-time monitoring and alarming of block chain nodes, real-time analysis of block chain logs, real-time monitoring and history browsing of block information, and deployment, calling and management functions of intelligent contracts are realized.
In some of these embodiments, the persisting the second receivables information onto the blockchain comprises: storing the structured data of the second receivable information into the blockchain, and storing the unstructured data of the second receivable information into a file cache device; wherein each participant stores structured data. And storing the unstructured data in a file cache center, and storing basic information such as hash values, file paths, file names and the like in the block chain. Whether the unstructured data is tampered or not is verified through the hash value.
It should be understood that, although the respective steps in the flowcharts in fig. 2 to 5 are sequentially shown as indicated by arrows, the steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-5 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternately with other steps or at least some of the sub-steps or stages of other steps.
In this embodiment, a processing apparatus for receivables financing is provided, and the apparatus is used to implement the foregoing embodiments and preferred embodiments, which have already been described and are not described again. As used hereinafter, the terms "module," "unit," "subunit," and the like may implement a combination of software and/or hardware for a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 6 is a block diagram showing a structure of an receivables financing processing apparatus according to an embodiment of the present application, as shown in fig. 6, the apparatus includes: an acquisition module 62, an encryption module 64, and a cochain module 66; the obtaining module 62 is configured to obtain first receivable account information; the encryption module 64 is configured to encrypt the first receivable account information by using a preset intelligent contract to obtain second receivable account information; the uplink module 66 is configured to transmit the second receivable information to a blockchain layer, and further persist the second receivable information to a blockchain by using a consensus algorithm.
Through the embodiment, the encryption module 64 encrypts the acquired first receivable account information by using a preset intelligent contract, and further transmits the acquired second receivable account to the blockchain network for chaining storage through the chaining module 66, so that the blockchain technology is introduced into supply chain finance, a set of receivable account financing system of blockchain + digital assets is developed autonomously, a key link in the digitization process of the focused industry, namely data storage, is realized, the blockchain technology is used for helping enterprises to realize encrypted storage of data assets, a last layer window for establishing connection by enterprise users is broken, innovation power of supply chain data finance is activated, accordingly, the purposes of ensuring real and credible information of receivable accounts financing by using characteristics of decentralized, non-falsification, traceability and the like of blockchains are realized, and the problem of high trust cost of receivable accounts financing processing is solved, safe and reliable receivable financing is realized.
In some embodiments, the encryption module 64 is further configured to generate a key for the first receivable payment information according to a symmetric encryption algorithm using the smart contract; the encryption module 64 encrypts the first receivable information according to the key to obtain the second receivable information.
In some of these embodiments, the processing means further comprises authorization means; the authorization device is used for generating an authorization permission table according to the first receivable account information and storing the authorization permission table in the intelligent contract.
In some embodiments, an accounts receivable financing processing apparatus is provided, and fig. 7 is a block diagram of another accounts receivable financing processing apparatus according to an embodiment of the present application, as shown in fig. 7, the apparatus includes all the modules shown in fig. 6, and further includes an access module 72.
The access module 72 is configured to receive an access instruction of the user for the second receivable information; the access module 72 obtains a detection result matched with the second receivable information according to the authorization permission table when detecting that the second receivable information exists on the block chain; the access module 72, under the condition that the detection result is data authorization, symmetrically decrypts by using the intelligent contract and acquires third account receivable information; the access module acquires fourth receivable account information by using an asymmetric encryption algorithm according to the third receivable account information and the secret key and sends the fourth receivable account information to the terminal; the access module 72 sends the decrypted fourth receivable information to the terminal for display when receiving the private key of the terminal.
In some embodiments, the access module 72 is further configured to receive an authorization application instruction of the user if the detection result is that the data is not authorized; the access module 72 obtains the authorization result of the data owner according to the authorization application instruction; wherein the authorization result is used for indicating the data viewing authority of the user.
In some embodiments, the uplink module 66 is further configured to access a Hyperchain platform of the blockchain using the intelligent contract to uplink the flow data in the first receivable account information.
In some embodiments, the uplink module 66 is further configured to send the information of the block link node and the intelligent contract information in the block chain to the terminal through the interface of the Hyperchain platform.
In some embodiments, the uplink module 66 is further configured to store the structured data of the second receivable information into the blockchain and store the unstructured data of the second receivable information into a file cache device.
In some embodiments, the uplink module 66 is further configured to link the second receivables information storage block using a distributed ledger technique.
The above modules may be functional modules or program modules, and may be implemented by software or hardware. For a module implemented by hardware, the modules may be located in the same processor; or the modules can be respectively positioned in different processors in any combination.
An embodiment of the present invention is described in detail below with reference to an actual application scenario, and fig. 8 is a schematic diagram of a framework of an accounts receivable financing processing system according to an embodiment of the present application, and as shown in fig. 8, the system moves a traditional supply chain financial mode from offline to online, and tightly surrounds each link of supply chain finance by using a block chain technology in combination with credit insurance products, so as to implement encrypted storage of enterprise user data assets, improve business efficiency, reduce cost, enhance business transparency, and improve user experience and transaction security. Meanwhile, the system provides a new solution for financing of medium and small enterprises which cannot be completely covered by the traditional financial industry, realizes strategic upgrade of supply chain + credit risk + block chain, and can effectively solve the pain points of difficult financing, high trust cost and the like of the medium and small enterprises in the supply chain industry.
It should be noted that the participating institutions in the overall architecture design of the framework of the accounts receivable financing processing system may include: five enterprise types of medium and small enterprises, platform parties, capital parties, government agencies and insurance companies; a business module in the system provides interface packaging related to a block chain Hyperchain bottom platform based on an account receivable financing system with block chain privacy protection, hides details of a block chain basic service platform, and provides service for a display layer interface; the bottom layer of the system comprises a service intelligent contract, a Hyperchain platform and a supervision platform;
the enterprise user inputs business data such as contracts, orders, accounts receivable details in the last year and the like held by the company into the system. After the service layer of the system acquires the data, the service layer calls an intelligent contract to perform security encryption and privacy protection measures on the data, then transmits the data to the block chain layer, and persists the data to the whole block chain after the data are identified by the nodes of all the participants. The system provides data query service for the uplink data information, wherein the data query is divided into two modes: 1. reading information on the chain based on the ownership of the data; 2. reading of information on the chain after authorization by the owner of the data.
It should be noted that, in the embodiment of the application, through the receivable financing processing system, all transaction data in the system are encrypted, ownership of the data is owned by a data producer, an authorization operation is performed on consumption behavior of the data depending on an intelligent contract, and privacy protection measures are performed on the data; once the transaction data is stored on the block chain, the tampering and the cancelling operation cannot be carried out; therefore, multi-centralization encryption storage of data is realized, and extremely high safety and privacy are achieved. And based on the data storage mechanism of the blockchain, each transaction data on the blockchain can be subjected to source tracing operation.
In this embodiment, a computer device is provided, where the computer device may be a server, and fig. 9 is a structural diagram of the inside of a computer device according to an embodiment of the present application, as shown in fig. 9. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing first receivable account information. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement the method for receivables financing described above.
Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
The present embodiment also provides an electronic device comprising a memory having a computer program stored therein and a processor configured to execute the computer program to perform the steps of any of the above method embodiments.
Optionally, the electronic apparatus may further include a transmission device and an input/output device, wherein the transmission device is connected to the processor, and the input/output device is connected to the processor.
Optionally, in this embodiment, the processor may be configured to execute the following steps by a computer program:
and S1, acquiring the first receivable account information.
And S2, encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information.
S3, the second receivable information is transmitted to the blockchain layer, and the second receivable information is persisted to the blockchain by using a consensus algorithm.
It should be noted that, for specific examples in this embodiment, reference may be made to examples described in the foregoing embodiments and optional implementations, and details of this embodiment are not described herein again.
In addition, in combination with the method for processing receivables financing in the above embodiments, the embodiments of the present application may provide a storage medium to implement. The storage medium having stored thereon a computer program; the computer program, when executed by a processor, implements any of the above-described embodiments of a method of receivables financing.
It should be understood by those skilled in the art that various technical features of the above embodiments can be combined arbitrarily, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, however, as long as there is no contradiction between the combinations of the technical features, the scope of the present description should be considered as being described in the present specification.
The above examples only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (12)
1. A method of processing receivables financing, the method comprising:
acquiring first receivable account information;
encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information;
and transmitting the second account receivable information to a blockchain layer, and then utilizing a consensus algorithm to persist the second account receivable information to a blockchain.
2. The processing method of claim 1, wherein the encrypting the first receivables information using a smart contract to obtain second receivables information comprises:
generating a key of the first receivable account information according to a symmetric encryption algorithm by using the intelligent contract;
and encrypting the first account receivable information according to the key to obtain the second account receivable information.
3. The processing method of claim 2, wherein after the first receivable information is encrypted according to the key to obtain the second receivable information and before the second receivable information is transmitted to a blockchain, the method further comprises:
and generating an authorization permission table according to the first receivable account information and storing the authorization permission table in the intelligent contract.
4. The processing method of claim 3, wherein after the transferring the second receivable information to a blockchain layer and thereby persisting the second receivable information onto a blockchain using a consensus algorithm, the method further comprises:
receiving an access instruction of a user for the second receivable information;
under the condition that the second account receivable information exists on the block chain, acquiring a detection result matched with the second account receivable information according to the authorization permission table;
when the detection result is data authorization, the intelligent contract is used for symmetric decryption, and third receivable information is obtained;
acquiring fourth receivable account information by using an asymmetric encryption algorithm according to the third receivable account information and the secret key, and sending the fourth receivable account information to a terminal;
and under the condition of receiving the private key of the terminal, sending the decrypted fourth receivable information to the terminal for displaying.
5. The processing method according to claim 4, wherein after the obtaining of the detection result matching the second receivable information, the method further comprises:
receiving an authorization application instruction of the user under the condition that the detection result is that the data is not authorized;
obtaining an authorization result of a data owner according to the authorization application instruction; wherein the authorization result is used for indicating the data viewing permission of the user.
6. The process of claim 1, wherein said transmitting the second receivable information to a blockchain layer comprises:
and accessing a Hyperchain platform of the block chain by using the intelligent contract to uplink the process data in the first receivable account information.
7. The processing method of claim 6, wherein after accessing the Hyperchain platform of the blockchain using the intelligent contract, the method further comprises:
and sending the information of the block chain link points and the intelligent contract information in the block chain to a terminal through an interface of the Hyperchain platform.
8. The processing method of claim 1, wherein the persisting the second receivables information onto a blockchain comprises:
and storing the structured data of the second receivable information into the block chain, and storing the unstructured data of the second receivable information into a file cache device.
9. The processing method of claim 1, wherein the persisting the second receivables information onto a blockchain comprises:
and utilizing a distributed account book technology to link the second receivable account information storage area blocks.
10. An apparatus for processing receivables financing, the apparatus comprising: the device comprises an acquisition module, an encryption module and a chain loading module;
the acquisition module is used for acquiring first receivable account information;
the encryption module is used for encrypting the first receivable account information by using a preset intelligent contract to obtain second receivable account information;
and the uplink module is used for transmitting the second receivable account information to a block chain layer, and then persisting the second receivable account information to the block chain by utilizing a consensus algorithm.
11. An electronic device comprising a memory and a processor, wherein the memory has stored therein a computer program, and the processor is configured to execute the computer program to perform the method of processing accounts receivable of any one of claims 1 to 9.
12. A storage medium having a computer program stored thereon, wherein the computer program is arranged to perform the method of processing receivables of any of claims 1 to 9 when run.
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