CN112258176A - Block chain-based credit payment transfer method and system - Google Patents
Block chain-based credit payment transfer method and system Download PDFInfo
- Publication number
- CN112258176A CN112258176A CN202011211314.8A CN202011211314A CN112258176A CN 112258176 A CN112258176 A CN 112258176A CN 202011211314 A CN202011211314 A CN 202011211314A CN 112258176 A CN112258176 A CN 112258176A
- Authority
- CN
- China
- Prior art keywords
- core enterprise
- transaction information
- white
- storing
- acquiring
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 23
- 238000010586 diagram Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a credit payment circulation method and system based on a block chain. The method comprises the following steps: acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution; generating token equal to the credit line; the token is a token owned by a core enterprise; acquiring and storing second transaction information sent by a core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise; and reducing the number of tokens according to the white bar amount. By adopting the method and the system, the credit payment circulation is realized based on the block chain, and the potential authenticity hazard can be avoided while the circulation efficiency of the fund is improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a credit payment circulation method and system based on a block chain.
Background
When a financial institution and a business make credit payment and transfer, the method generally adopted is that the business provides a guaranteed financial institution to credit the business, and the financial institution then releases money to the business, which is inefficient and opaque. With the development of the blockchain technology, how to combine financial institutions and enterprises by using the characteristic that blockchain data are not easy to be tampered, so as to improve the fund transfer efficiency and simultaneously perform credit payment and transfer of real trade background is a problem to be solved urgently.
Disclosure of Invention
The invention aims to provide a block chain-based credit payment circulation method and system, which can improve the circulation efficiency of funds and simultaneously carry out credit payment and circulation of real trade background.
In order to achieve the purpose, the invention provides the following scheme:
a credit payment circulation method based on a block chain comprises the following steps:
acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution;
generating token equal to the credit line; the token is a token owned by the core enterprise;
acquiring and storing second transaction information sent by the core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise;
and reducing the number of tokens according to the white bar limit.
Optionally, after the reducing the number of tokens according to the amount of the white bar, the method further includes:
acquiring and storing cashing information; the cashing information is information of transferring cash to a non-core enterprise by a financial institution.
Optionally, after acquiring and storing the redemption information, the method further includes:
acquiring a return request of the white bar amount; the request for returning the amount of the white slips is a request for returning token sent by the core enterprise after clearing up the corresponding money of the white slips and the financial institution;
and returning the number of the corresponding tokens to the core enterprise according to the white line returning request.
Optionally, before the obtaining the request for returning the white bar amount, the method further includes:
and acquiring and storing the evidence storing information of clearing the corresponding money of the white slips and the financial institution by the core enterprise.
The invention also provides a credit payment circulation system based on the block chain, which comprises:
the first transaction information acquisition and storage module is used for acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution;
the token generation module is used for generating tokens with the same quantity as the credit line; the token is a token owned by the core enterprise;
the second transaction information acquisition and storage module is used for acquiring and storing second transaction information sent by the core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise;
and the token deduction module is used for reducing the number of tokens according to the white bar amount.
Optionally, the system further includes:
the cashing information acquisition and storage module is used for acquiring and storing the cashing information; the cashing information is information of transferring cash to a non-core enterprise by a financial institution.
Optionally, the system further includes:
the white bar amount returning request acquisition module is used for acquiring a white bar amount returning request; the request for returning the amount of the white slips is a request for returning token sent by the core enterprise after clearing up the corresponding money of the white slips and the financial institution;
and the token returning module is used for returning the number of the corresponding tokens to the core enterprise according to the white bar amount returning request.
Optionally, the system further includes:
and the clearing and evidence storing module is used for acquiring and storing the evidence storing information of clearing the corresponding money of the white slips and the financial institution by the core enterprise.
Compared with the prior art, the invention has the beneficial effects that:
the invention provides a credit payment circulation method and system based on a block chain, which are used for acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution; generating token equal to the credit line; the token is a token owned by a core enterprise; acquiring and storing second transaction information sent by a core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise; according to the method, the number of tokens is reduced according to the amount of the white lines, credit payment circulation is realized based on the block chain, and the potential authenticity hazard can be avoided while the circulation efficiency of funds is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.
FIG. 1 is a flow chart of a block chain based credit payment circulation method according to an embodiment of the present invention;
fig. 2 is a block chain-based credit payment flow system structure diagram in the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
The invention aims to provide a block chain-based credit payment circulation method and system, which can improve the circulation efficiency of funds and simultaneously carry out credit payment and circulation of real trade background.
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.
Examples
Fig. 1 is a flowchart of a credit payment circulation method based on a block chain in an embodiment of the present invention, and as shown in fig. 1, a credit payment circulation method based on a block chain includes:
step 101: acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution.
Step 102: generating token equal to the credit line; the token is owned by the core enterprise.
Step 103: acquiring and storing second transaction information sent by a core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise.
Step 104: and reducing the number of tokens according to the white bar amount.
Step 105: acquiring and storing cashing information; the redemption information is the information that the financial institution transferred the cash to the non-core enterprise.
Step 106: and acquiring and storing evidence storing information of clearing the money corresponding to the white slips and the financial institution by the core enterprise.
Step 107: acquiring a return request of the white bar amount; the request for returning the money amount of the white slips is a request for returning token sent by the core enterprise after clearing the money corresponding to the white slips and the financial institution.
Step 108: and returning the number of the corresponding tokens to the core enterprise according to the white line returning request.
Fig. 2 is a block chain-based credit payment flow system structure diagram in the embodiment of the present invention. As shown in fig. 2, a block chain based credit payment circulation system includes:
the first transaction information acquisition and storage module 201 is used for acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution.
the token generation module 202 is used for generating tokens with the same amount as the credit line; the token is owned by the core enterprise.
The second transaction information acquisition and storage module 203 is used for acquiring and storing second transaction information sent by the core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise.
the token deduction module 204 is used for reducing the number of tokens according to the amount of the white bars.
A redemption information acquisition and storage module 205, configured to acquire and store redemption information; the redemption information is the information that the financial institution transferred the cash to the non-core enterprise.
And the clearing and evidence storing module 206 is used for acquiring and storing the evidence storing information of clearing the corresponding money of the white slips and the financial institution by the core enterprise.
A whitebar quota returning request acquisition module 207 for acquiring a whitebar quota returning request; the request for returning the money amount of the white slips is a request for returning token sent by the core enterprise after clearing the money corresponding to the white slips and the financial institution.
the token returning module 208 is configured to return the number of the corresponding tokens to the core enterprise according to the request for returning the white bar amount.
The principles and embodiments of the present invention have been described herein using specific examples, which are provided only to help understand the method and the core concept of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, the specific embodiments and the application range may be changed. In summary, this summary should not be construed to limit the present invention.
Claims (8)
1. A credit payment streaming method based on a block chain is characterized by comprising the following steps:
acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution;
generating token equal to the credit line; the token is a token owned by the core enterprise;
acquiring and storing second transaction information sent by the core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise;
and reducing the number of tokens according to the white bar limit.
2. The block chain based credit payment streaming method of claim 1, further comprising after the reducing the number of tokens according to the white line amount:
acquiring and storing cashing information; the cashing information is information of transferring cash to a non-core enterprise by a financial institution.
3. The block chain based credit payment streaming method of claim 2, further comprising after the obtaining and storing redemption information:
acquiring a return request of the white bar amount; the request for returning the amount of the white slips is a request for returning token sent by the core enterprise after clearing up the corresponding money of the white slips and the financial institution;
and returning the number of the corresponding tokens to the core enterprise according to the white line returning request.
4. The block chain-based credit payment streaming method of claim 3, further comprising, before the request for obtaining the white line amount return:
and acquiring and storing the evidence storing information of clearing the corresponding money of the white slips and the financial institution by the core enterprise.
5. A credit payment circulation system based on a blockchain, comprising:
the first transaction information acquisition and storage module is used for acquiring and storing first transaction information sent by a financial institution; the first transaction information is the transaction information of transferring the credit line to the core enterprise by the financial institution;
the token generation module is used for generating tokens with the same quantity as the credit line; the token is a token owned by the core enterprise;
the second transaction information acquisition and storage module is used for acquiring and storing second transaction information sent by the core enterprise; the second transaction information is the transaction information of the core enterprise transferring the white line to the non-core enterprise;
and the token deduction module is used for reducing the number of tokens according to the white bar amount.
6. The blockchain-based credit payment diversion system of claim 5, further comprising:
the cashing information acquisition and storage module is used for acquiring and storing the cashing information; the cashing information is information of transferring cash to a non-core enterprise by a financial institution.
7. The blockchain-based credit payment flow system of claim 6, further comprising:
the white bar amount returning request acquisition module is used for acquiring a white bar amount returning request; the request for returning the amount of the white slips is a request for returning token sent by the core enterprise after clearing up the corresponding money of the white slips and the financial institution;
and the token returning module is used for returning the number of the corresponding tokens to the core enterprise according to the white bar amount returning request.
8. The blockchain-based credit payment diversion system of claim 7, further comprising:
and the clearing and evidence storing module is used for acquiring and storing the evidence storing information of clearing the corresponding money of the white slips and the financial institution by the core enterprise.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011211314.8A CN112258176A (en) | 2020-11-03 | 2020-11-03 | Block chain-based credit payment transfer method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011211314.8A CN112258176A (en) | 2020-11-03 | 2020-11-03 | Block chain-based credit payment transfer method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN112258176A true CN112258176A (en) | 2021-01-22 |
Family
ID=74268027
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202011211314.8A Pending CN112258176A (en) | 2020-11-03 | 2020-11-03 | Block chain-based credit payment transfer method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112258176A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109377208A (en) * | 2018-10-24 | 2019-02-22 | 天津理工大学 | A kind of wisdom chemical industrial park credit payment based on block chain and circulation method |
| CN109598610A (en) * | 2018-07-13 | 2019-04-09 | 程玉亮 | A kind of Financing Mode method for depositing card based on block chain credit or number |
| US20190244186A1 (en) * | 2017-03-10 | 2019-08-08 | Tencent Technology (Shenzhen) Company Limited | Electronic bill management method, apparatus, and storage medium |
| CN111242786A (en) * | 2020-01-17 | 2020-06-05 | 肖光昱 | Digital operation method and device for block chain supply chain financial platform |
-
2020
- 2020-11-03 CN CN202011211314.8A patent/CN112258176A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20190244186A1 (en) * | 2017-03-10 | 2019-08-08 | Tencent Technology (Shenzhen) Company Limited | Electronic bill management method, apparatus, and storage medium |
| CN109598610A (en) * | 2018-07-13 | 2019-04-09 | 程玉亮 | A kind of Financing Mode method for depositing card based on block chain credit or number |
| CN109377208A (en) * | 2018-10-24 | 2019-02-22 | 天津理工大学 | A kind of wisdom chemical industrial park credit payment based on block chain and circulation method |
| CN111242786A (en) * | 2020-01-17 | 2020-06-05 | 肖光昱 | Digital operation method and device for block chain supply chain financial platform |
Non-Patent Citations (1)
| Title |
|---|
| 谢跃书，等: "《区块链 以太坊App钱包开发实战》", 31 January 2020, 北京：北京航空航天大学出版社, pages: 25 * |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110147993B (en) | Pre-payment financing method and device | |
| US8528814B2 (en) | System and method for preventing fraud by generating new prepaid gift accounts | |
| CN101727712B (en) | Transfer method for electronic cash | |
| CN109087190A (en) | A kind of financing loan method and apparatus | |
| CN107220896A (en) | A kind of financing by accounts receivable based on block chain technology | |
| CN110020936B (en) | Asset management method and device based on block chain and electronic equipment | |
| CN110047008A (en) | A kind of Claims Resolution method and apparatus based on block chain | |
| CN112767185B (en) | Reverse warranty financing method, device and storage medium based on blockchain | |
| US8892468B1 (en) | Customer refunds by a merchant agent | |
| CN104899782A (en) | Fund debit/credit transaction method and system | |
| WO2021042810A1 (en) | Asset settlement method and apparatus employing blockchain, and electronic device | |
| US11392906B2 (en) | Cryptographic token with separate circulation groups | |
| CN112053232B (en) | Self-service equipment business accounting consistency processing method and device | |
| CN111047310A (en) | Method and device for realizing distribution and transfer of digital assets and online financing | |
| Sinelnikova-Muryleva et al. | Essence of cryptocurrencies: descriptive and comparative analysis | |
| CN108428133A (en) | A kind of internet supply chain financial credit payment transaction method | |
| CN112037067B (en) | Processing system and method for settlement message service data | |
| CN111242785A (en) | Bill processing method and device, electronic equipment and storage medium | |
| CN112258176A (en) | Block chain-based credit payment transfer method and system | |
| WO2022094760A1 (en) | Blockchain-based credit payment and transfer method and system | |
| WO2023279965A1 (en) | Asset transfer method and apparatus | |
| Turnbull | Terminating currency options for distressed economies | |
| CN205451252U (en) | Bill safety anti-counterfeiting system | |
| KR20220147910A (en) | Method for providing decentralized finance | |
| CN109409920B (en) | Method, device and storage medium for issuing scores of sub-merchants |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |