CN112435129A

CN112435129A - Financing method, financing system, device, equipment and storage medium

Info

Publication number: CN112435129A
Application number: CN202110111604.3A
Authority: CN
Inventors: 刘文慧; 彭玉军; 闫二风
Original assignee: Alipay Hangzhou Information Technology Co Ltd; Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd; Ant Blockchain Technology Shanghai Co Ltd
Priority date: 2021-01-27
Filing date: 2021-01-27
Publication date: 2021-03-02

Abstract

The application provides a financing method, a financing system, a financing device, a financing equipment and a storage medium. The method is applied to the block chain node equipment. Intelligent contracts for driving financing are deployed in the blockchain. The method may include receiving a pre-payment financing transaction corresponding to a target order of a financer. And responding to the financing transaction, calling auditing logic included by the intelligent contract, performing pre-payment financing auditing aiming at the pre-payment financing transaction, and generating an auditing passing event when the auditing passes, so that a sponsor corresponding to the pre-payment financing responds to the auditing passing event, and performing order payment on a seller corresponding to the target order to complete the pre-payment financing.

Description

Financing method, financing system, device, equipment and storage medium

Technical Field

The present application relates to computer technology, and in particular, to a financing method, a financing system, a financing apparatus, a financing device, and a storage medium.

Background

There may be situations in which buyer funds are under excessive pressure in the sale and purchase of goods.

For example, first, sellers are more powerful and require a buyer to make a payment before arranging for the production and shipment of goods. At this time, since it is necessary for the buyer to wait for a long delivery time after the buyer has completed payment of the goods, the buyer cannot use the frozen goods, and the fund pressure becomes large.

Second, the price of the goods is often in a fluctuating situation, where it is desirable for the buyer to purchase the stock at a lower price, and for the seller to request payment for the shipment. At this time, a large amount of funds are required for the buyer to pay for the stocked goods, so the buyer faces a great fund pressure and a method for relieving the fund pressure of the buyer is urgently needed.

Disclosure of Invention

In view of the above, the present application at least discloses a financing method applied to block link point equipment; intelligent contracts for driving financing are deployed in the blockchain; the method comprises the following steps:

receiving a pre-paid financing transaction corresponding to a target order of a financer;

and responding to the financing transaction, calling auditing logic included by the intelligent contract, performing pre-payment financing auditing aiming at the pre-payment financing transaction, and generating an auditing passing event when the auditing passes, so that a sponsor corresponding to the pre-payment financing responds to the auditing passing event, and performing order payment on a seller corresponding to the target order to complete the pre-payment financing.

The application also discloses a financing system, which comprises a block chain subsystem; intelligent contracts for driving financing are deployed in the blockchain; the block chain subsystem is configured to:

The application also provides a financing device which is applied to the block link point equipment; intelligent contracts for driving financing are deployed in the blockchain; the above-mentioned device includes:

the first receiving module is used for receiving the pre-payment financing transaction corresponding to the target order of the financing party;

and the first calling module is used for calling the auditing logic included by the intelligent contract in response to the financing transaction, carrying out pre-payment financing auditing aiming at the pre-payment financing transaction, and generating an auditing passing event when the auditing passes so that the sponsor can pay the order to the seller corresponding to the target order in response to the auditing passing event to complete the pre-payment financing.

The application also provides an electronic device, which is deployed in the blockchain, wherein the blockchain is deployed with an intelligent contract for driving financing; the electronic device includes: a processor; a memory for storing processor-executable instructions; wherein the processor implements:

and responding to the financing transaction, calling auditing logic included by the intelligent contract, performing pre-payment financing auditing aiming at the pre-payment financing transaction, and generating an auditing passing event when the auditing passing event is passed so that the sponsor can respond to the auditing passing event and pay orders to sellers corresponding to the target orders to complete the pre-payment financing.

The application also provides a computer-readable storage medium, which is deployed in a blockchain, wherein an intelligent contract for driving financing is deployed in the blockchain; having stored thereon computer instructions that, when executed by a processor, implement:

In the scheme, the intelligent contract used for driving financing is deployed in the block chain, and the intelligent contract can generate an audit passing event after the audit passing is performed on the financing request of the financing party, so that the financing party completes order payment to complete the pre-payment financing, and therefore the traceable and transparent credible financing method is provided, financing efficiency is improved, buyer fund pressure is relieved, and buyer production and operation efficiency is improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the application.

Drawings

In order to more clearly illustrate one or more embodiments of the present application or technical solutions in the related art, the drawings needed to be used in the description of the embodiments or the related art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in one or more embodiments of the present application, and other drawings can be obtained by those skilled in the art without inventive exercise.

FIG. 1 is a schematic diagram of one type of intelligent contract creation shown herein;

FIG. 2 is a method flow diagram illustrating a financing method according to the present application;

FIG. 3 is a method flow diagram illustrating a financing method according to the present application;

FIG. 4 is a schematic view of a financing system as shown in the present application;

FIG. 5 is a schematic view of a scenario presented herein;

FIG. 6 is a schematic diagram of a financing device as shown in the present application;

fig. 7 is a schematic diagram of a hardware structure of an electronic device shown in the present application.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items. It should also be understood that the word "if" as used herein may be interpreted as "at … …" or "at … …" or "in response to a determination," depending on the context.

The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.

Blockchains are generally divided into three types: public chain (Public Blockchain), Private chain (Private Blockchain) and alliance chain (Consortium Blockchain). In addition, there are various types of combinations, such as private chain + federation chain, federation chain + public chain, and other different combinations. The most decentralized of these is the public chain. The public chain is represented by bitcoin and ether house, and the participators joining the public chain can read the data record on the chain, participate in transaction, compete for accounting right of new blocks, and the like.

Furthermore, each participant (i.e., node) is free to join and leave the network and perform related operations. Private chains are the opposite, with the network's write rights controlled by an organization or organization and the data read rights specified by the organization. Briefly, a private chain can be a weakly centralized system with strictly limited and few participating nodes. This type of blockchain is more suitable for use within a particular establishment.

A federation chain is a block chain between a public chain and a private chain, and "partial decentralization" can be achieved. Each node in a federation chain typically has a physical organization or organization corresponding to it; participants jointly maintain blockchain operation by authorizing to join the network and forming a benefit-related alliance.

Whether public, private, or alliance, may provide the functionality of an intelligent contract. An intelligent contract on a blockchain is a contract that can be executed on a blockchain system triggered by a transaction. An intelligent contract may be defined in the form of code.

Taking the ethernet as an example, the support user creates and invokes some complex logic in the ethernet network, which is the biggest challenge of ethernet to distinguish from bitcoin blockchain technology. The core of the ethernet plant as a programmable blockchain is the ethernet plant virtual machine (EVM), each ethernet plant node can run the EVM. The EVM is a well-behaved virtual machine, which means that a variety of complex logic can be implemented through it. The user issuing and invoking smart contracts in the etherhouse is running on the EVM. In fact, what the virtual machine directly runs is virtual machine code (virtual machine bytecode, hereinafter referred to as "bytecode"). The intelligent contracts deployed on the blockchain may be in the form of bytecodes.

For example, as shown in fig. 1, after Bob sends a Transaction (Transaction) containing information to create an intelligent contract to the ethernet network, the EVM of node 1 may execute the Transaction and generate a corresponding contract instance. The "0 x68e12cf284 …" in fig. 1 represents the address of the contract, the data field of the transaction holds the byte code, and the to field of the transaction is an empty account. After the agreement is achieved between the nodes through the consensus mechanism, the contract is successfully created, and the subsequent user can call the contract.

After the contract is created, a contract account corresponding to the intelligent contract appears on the blockchain and has a specific address, and the contract code and the account storage are stored in the contract account. The behavior of an intelligent contract is controlled by the contract code, while the account store (Storage) of the intelligent contract maintains the state of the contract. In other words, the intelligent contract causes a virtual account to be generated on the blockchain that contains the contract code and account storage.

As mentioned above, the data field containing the transaction that created the smart contract holds what may be the byte code of the smart contract. A bytecode consists of a series of bytes, each of which can identify an operation. Based on the multiple considerations of development efficiency, readability and the like, a developer can select a high-level language to write intelligent contract codes instead of directly writing byte codes. For example, a high-level language such as Solidity, Serpent, LLL, etc. is used. For intelligent contract code written in a high-level language, the intelligent contract code can be compiled by a compiler to generate byte codes which can be deployed on a blockchain.

Taking the Solidity language as an example, the contract written by the method is similar to a Class (Class) in an object-oriented programming language, and various members including state variables, functions, function modifiers, events and the like can be declared in one contract. A state variable is a value permanently stored in the account storage of a smart contract that is used to save the state of the contract.

In order to relieve the capital pressure of buyers and improve the production and operation efficiency of the buyers, the application provides a financing method. It is understood that the buyer is the financer in the financing process.

The method can be applied to node devices in a block chain. The node device may be any electronic device deployed in a blockchain. For example, the node device may be a node device corresponding to an item operator or a node device corresponding to a financing participant. Note that the present application does not specifically limit the device type of the node device.

The block chain may be a public chain, a private chain, or a federation chain. When the block chain is a federation chain or a private chain, the node device may be a node device that is authenticated and then joins the block chain. For example, if a certain node device needs to join a federation chain maintained by a project operator, the node device needs to apply for the project operator and can join the federation chain after being authorized by the project operator. It should be noted that the present application does not limit the specific type of the block chain.

The method drives each financing participant to carry out service circulation through an intelligent contract deployed in a block chain to realize the financing and repayment process. Wherein the financing participants indicate parties involved in the financing process. For example, the financing participants may include a financing party for financing, and a financing party for financing. In some cases, the financing participants may also include a consignee associated with the sponsor for managing the goods in place of the sponsor.

In practical applications, a project operator (e.g., a financing service management organization) may develop an intelligent contract for driving financing according to a financing process, and then issue the developed intelligent contract to a blockchain for intelligent contract deployment.

The intelligent contract can comprise pre-payment financing auditing logic so as to audit financing requests initiated by financing parties and drive the financing parties to carry out financing when the auditing is passed.

The intelligent contracts may also be associated with a manifest. It will be appreciated that in some instances, different intelligent contracts may also be developed to associate the manifest with the driven financing in order to differentiate between different business processes to ensure that there is no interference between the businesses.

In one aspect, the intelligent contract may include a policy deposit logic to freeze a policy of an owner or a consignee associated with the funder after the funder completes funding until the financer completes a payment. It should be noted that after the sponsor finishes the funding, the owner of the warehouse slip can set the sponsor or the consignee according to the actual business requirement. All the people's goods holders are taken as an example for explanation in the application.

In another aspect, the intelligent contract may include a bill change logic to change the owner of the bill in response to payment information from the financer.

Referring to fig. 2, fig. 2 is a flowchart illustrating a financing method according to the present application. The method can be applied to block link point devices. Intelligent contracts for driving financing are deployed in the blockchain.

As shown in fig. 2, the method may include: s202, receiving the pre-payment financing transaction corresponding to the target order of the financing party.

The target order may be an order contributed by the financing party and the seller to a certain goods. For example, the financing party may have another front-end sales contract with the seller, and obtain the contracted goods from the seller after the contracted financing party pays the contracted price to the seller.

The prepaid financing transaction may be a financing transaction initiated by a node device or a Service platform (e.g., a backhaul as a Service platform) corresponding to a financing party according to a prepaid financing requirement. The pre-payment financing requirement is specifically a requirement that after an order is generated between an financing party and a seller, the financing party needs to initiate a financing request to a sponsor so that the sponsor can replace the financing party to complete the order payment.

The pre-payment financing transaction may be a smart contract invocation transaction. For example, each node device in the blockchain may invoke the smart contract in response to the pre-payment financing transaction after receiving the transaction.

In practical applications, the prepaid financing transaction may carry information related to the financing, so as to facilitate the completion of the financing through the intelligent contract pair.

In some cases, the pre-paid financing transaction may carry order information for the target order to show the amount financed by the financer. The node equipment can be used for auditing the trusted limit based on the amount information carried in the financing transaction.

In some cases, the prepaid financing transaction may carry a contract account address for the intelligent contract, such that the node device may retrieve the intelligent contract based on the account address.

In some cases, the prepaid financing transaction may also carry seller account information, so that the sponsor may transfer the financing funds to the seller account to complete the payment of the target order, completing the financing.

The node device may execute S204 after receiving the pre-payment financing transaction, and in response to the financing transaction, call an audit logic included in the intelligent contract, perform pre-payment financing audit on the pre-payment financing transaction, and when the audit is passed, generate an audit pass event, so that a sponsor corresponding to the pre-payment financing responds to the audit pass event, and perform order payment to a seller corresponding to the target order to complete the pre-payment financing.

The pre-payment financing audit can be audit logic set according to business requirements. The audit logic may be pre-programmed into the intelligent contract described above. For example, the pre-payment financing audit may be an audit of whether the financing amount provided by the financing party exceeds the credit line granted to the financing party by the financing party. For another example, the pre-payment financing audit may be an audit of whether the seller corresponding to the financing is a seller agreed in advance by the financing party and the sponsor.

The node device may respond to the financing transaction and obtain the intelligent contract according to a contract account address carried by the financing transaction. And then executing the auditing logic in the intelligent contract in the virtual machine.

In some examples, the credit line granted to the financer by the sponsor is pre-issued to the blockchain. The node equipment can acquire the credit line through the auditing logic and then compare the credit line with the financing amount carried in the financing transaction. If the financing fund does not exceed the credit line, the audit is passed, otherwise, the audit is not passed.

And after the audit is passed, the node equipment can generate an audit passing event through the intelligent contract and directionally transmit the audit passing event to the sponsor, so that the sponsor responds to the audit passing event to complete the payment of the target order, thereby completing the prepayment financing.

In some examples, the node device may store the audit-passed event locally. The sponsor can obtain the event from local through the event monitoring program loaded locally to execute the action of order payment.

In some examples, the node device may send the audit-passed event to a message queue, so that a sponsor subscribing to the event may obtain the event from the message queue to perform an order payment action.

In some examples, the Baas platform may monitor the audit-passed event from the block chain by pulling a block, and send the audit-passed event to the sponsor after monitoring the audit-passed event.

The payment mode of the target order by the sponsor can be limited according to the actual business requirements. For example, when the pre-payment paid by the financing party for the target order is a payment-giving party, the paying party can pay the pre-payment and the tail of the target order to the seller to complete the order payment. For another example, when the pre-payment paid by the financing party for the target order is paid to the seller, the sponsor may pay the end payment to the seller to complete the order payment. For another example, when the shipper holds the goods in place of the sponsor, the sponsor may transfer the funds to the shipper and the shipper may complete the order payment. The present application does not specifically limit the payment method.

After the sponsor completes the order payment, the payment voucher can be used as the response result of the event, and the response result is sent to the block chain through the prediction machine. The intelligent contract can respond to the event response result in the blockchain, and inform the financing party and the sponsor to release financing.

In some examples, in order to improve the auditing strength of the financing request and improve the financing reliability, when the pre-payment financing transaction is audited, the auditing logic included in the intelligent contract may be invoked to determine whether the financing funds indicated by the financing transaction are within the credit line granted to the financing party by the financing party.

And if the financing fund is determined to be in the credit granting amount, establishing an auditing event corresponding to the financing party so that the financing party can further audit the financing request in response to the auditing event, and submitting an auditing result to the intelligent contract.

In the method, a two-stage auditing system is provided, the node equipment is used for auditing the credit limit of the financing amount, and then an auditing event is constructed, so that the financing request is further audited by the financing party in response to the event, thereby increasing the auditing strength of the financing request and improving the financing reliability.

In some examples, the node device may generate a prepaid payment event in response to a result of the verification, so that the financer performs prepaid payment for the target order in response to the prepaid payment event, and submits a prepaid payment credential to the intelligent contract. Then, the node device may generate an audit-passed event in response to the prepaid payment credential, so that the sponsor performs order payment to the seller corresponding to the target order in response to the audit-passed event to complete the prepaid financing.

In this example, the node device may drive the financing party to perform pre-payment after the auditing is passed through by the intelligent contract, so as to ensure the benefits of both the sponsor and the financing party, monitor the process of pre-payment, and ensure the credibility of the pre-payment.

In some examples, intelligent contracts for associated bills are also deployed in the blockchain. Referring to fig. 3, fig. 3 is a flowchart illustrating a financing method according to the present application.

As shown in fig. 3, the method may include:

s302, receiving the warehouse receipt deposit certificate transaction corresponding to the target order; wherein the bill deposit certificate transaction comprises a bill of goods corresponding to the target order; the owner of the invoice comprises the sponsor; or the consignee appointed by the sponsor.

In some examples, when the sponsor completes the order payment, the seller may update the owner of the stock constructed based on the target order (the stock is a certificate for retrieving the stock issued to the stockman after the custodian receives the stock) as the sponsor; or, the consignee appointed by the sponsor transmits the warehouse bill to the sponsor; or the consignee appointed by the sponsor.

The sponsor; or after receiving the manifest, the consignee designated by the sponsor may construct a manifest deposit transaction based on the manifest and issue the deposit transaction to the block chain through the corresponding node device.

In some examples, after the sponsor completes the order payment, the seller may send the goods indicated by the target order to the sponsor; or the consignee appointed by the sponsor. The sponsor; alternatively, the consignee designated by the sponsor may deposit the goods into a warehouse to obtain a corresponding manifest. And then, constructing a warehouse receipt deposit certificate transaction based on the warehouse receipt through corresponding node equipment and issuing the warehouse receipt deposit certificate transaction to the block chain.

After receiving the transaction of the stock bill existence, the node device may execute S304, and in response to the stock bill existence transaction, invoke the evidence storage logic included in the intelligent contract, and issue the stock bill to the block chain for evidence storage.

In some examples, the above-described manifest may be frozen. In the scheme, the deposit evidence and the freezing of the warehouse receipt are completed through the intelligent combination, so that other financing participants can not process the goods indicated by the warehouse receipt at will, the benefit of the financing party is further guaranteed, the owner of the warehouse receipt is clarified, and the financing process is transparent and more credible.

In some examples, to improve the transparency and credibility of the financing and repayment process, the repayment process of the financer may be monitored through the blockchain.

In some examples, a manifest owner change transaction is received for the manifest; wherein the bill owner change transaction comprises payment information of the financing party. And then, in response to the change transaction, invoking a verification logic included in the intelligent contract, performing authenticity verification on the repayment information, and further invoking a bill change logic included in the intelligent contract when the repayment information passes the authenticity verification, so as to update the owner of the bill as the financing party.

The change transaction of the bill owner may be a transaction initiated by the node device or the service platform corresponding to the sponsor, the financing party or the cargo holder. In some examples, in order to improve credibility of the financing process, the invoice change initiator may be the sponsor, and after the sponsor receives payment from the financing party, a invoice owner change transaction may be established through a node device corresponding to the sponsor.

In some examples, the payoff information may be signed and credited to the blockchain after the payoff receives the funds returned by the financer.

After receiving the change transaction, the node device may invoke a check logic included in the intelligent contract in response to the transaction, and obtain payment information corresponding to the change transaction from the block chain. Then, verifying whether the repayment information comprises a signature of the sponsor; if yes, the authenticity verification of the payment information is determined to pass. And then further calling a bill change logic included in the intelligent contract to update the owner of the bill as the financing party.

In the scheme, after the financing party completes the repayment, the change of the warehouse bill owner can be driven through the intelligent contract, so that the warehouse bill change process can be recorded through the block chain, the financing repayment process is more transparent and more credible, and the benefit of the financing party is also ensured.

In some examples, the payment information may characterize a payment amount of the financer. When the bill owner is updated to the financing party, the owner of the goods in the amount corresponding to the repayment amount among the goods indicated by the bill may be updated to the financing party.

In some examples, the intelligent contract may agree with a corresponding relationship between the repayment amount and the goods change amount, and when the change logic is executed, the amount of the goods corresponding to the repayment amount may be determined by querying the corresponding relationship based on the repayment amount of the financing party. And then updating the owners of the goods with the quantity corresponding to the repayment amount in the goods indicated by the bill as the financing party.

In the above example, the amount of the goods corresponding to the payment amount may be changed, so that when the financing party and the sponsor agree on the installment payment, the amount of the goods corresponding to the installment payment amount may be changed each time, and the benefit of the financing party and the sponsor is ensured.

In the application, a financing system is also provided. The system processing comprises a block chain subsystem and a plurality of service subsystems for assisting financing, so that experience of financing participants is improved. The business subsystem can interact with the block chain subsystem, so that on one hand, data can be stored in the block chain subsystem; alternatively, the credited data may be obtained from the blockchain subsystem.

Referring to fig. 4, fig. 4 is a schematic diagram of a financing system according to the present application.

As shown in fig. 4, the financing system may include a blockchain subsystem, and a storage subsystem, an intelligent goods control subsystem, a payment monitoring subsystem, a model building subsystem, a price early warning subsystem, and other business subsystems connected to the blockchain subsystem. It will be appreciated that in a practical situation, on the one hand, the subsystems described above may be deployed in the financing system described above according to business requirements. For example, if only a stock control function is required, an intelligent stock control subsystem may be deployed only in the financing system described above. If the storage function and the payment monitoring function are needed, a storage subsystem and a payment monitoring subsystem can be deployed in the financing system. Alternatively, the functions implemented by the subsystems may be combined into one or more service subsystems. For example, the above 5 subsystems may be combined into one service subsystem.

The above-mentioned blockchain subsystem can be used to perform the financing method as shown in any of the above-mentioned embodiments, and will not be described in detail herein.

The storage subsystem can be used for receiving a financing protocol to be deposited; wherein the financing agreement includes an agreement signed by the financing party, the sponsor and a shipper associated with the sponsor. The storage subsystem may then distribute the financing protocol to the blockchain by interacting with the blockchain subsystem to complete credentialing.

In some examples, the financers, the sponsors, and the shippers associated with the sponsors (hereinafter "three parties") may have pre-established financing agreements. The financing agreement may agree on financing-related matters. The front-end financing agreement may characterize that a financing transaction may be initiated between the three parties. The content of the financing agreement is not particularly limited in this application.

After an agreement is signed, any one of the three parties may package the agreement into a storage request and send the storage request to the storage subsystem.

After receiving the storage request, the storage subsystem may interact with the blockchain subsystem to initiate a certificate deposit transaction through any node device in the blockchain subsystem, and issue the financing protocol to the blockchain to complete the certificate deposit.

The financing protocol of the front end of the three parties can be stored and certified in the block chain through the storage subsystem, so that the financing protocol can be safely and reliably stored and certified, and the financing process becomes more credible.

The repayment monitoring subsystem is used for determining whether the current date reaches the repayment date agreed by the sponsor and the financing party in advance. And then, if the current date reaches the repayment date, a overdue repayment notice is sent to the sponsor and/or the financing party.

In some examples, after the financing party issues a financing amount, the repayment monitoring subsystem may obtain a repayment date agreed by the financing party and the financing party in advance by interacting with the block chain subsystem. For example, a financing request initiated by a financing party may be queried, and the financing request may be analyzed to obtain the repayment date.

The payment monitoring subsystem may then periodically determine whether the current date has reached the payment date. If not, then wait for the next determination period. If so, a overdue payment notification can be sent to the sponsor and/or the financing party.

Through the repayment monitoring service provided by the repayment monitoring subsystem, the financing party or the paying party can be assisted to carry out repayment date management, the financing of the financing party or the paying party is prevented, and the experience is improved.

In some examples, the payment monitoring subsystem may be further configured to obtain pre-credited payment information from the blockchain if the current date exceeds the payment date; the payment information comprises the payment account of the sponsor, the payment account of the financing party and the repayment amount. Then, the repayment monitoring subsystem may draw an amount corresponding to the repayment amount from the financing party payment account based on the payment information, and transfer the drawn amount to the financing party collection account to complete automatic repayment.

In some examples, the financing agreement entered by the three parties includes a sponsor collection account and a financing payment account. If the current date exceeds the repayment date, the repayment monitoring subsystem can acquire the financing protocol through interaction with the block chain subsystem. And then analyzing the financing agreement to obtain a payment account of the sponsor and a payment account of the financing party. The repayment monitoring subsystem can also inquire a financing request initiated by the financing party and analyze the financing request to obtain the repayment amount which the financing party should repay.

And then, based on the payment information, the forced payment can be completed.

In the above example, a forced repayment mechanism is proposed, so that the repayment can be forcibly completed when the current date exceeds the repayment date, thereby ensuring the benefit of the sponsor.

The intelligent goods control subsystem is used for receiving a goods inspection request initiated by the participant participating in the financing after the warehouse receipt is stored; wherein the participating party includes any one of the financing party, the lender and the consignor. Then, in response to the goods inspection request, determining whether the inventory owner is a target owner corresponding to a financing stage corresponding to the time of initiating the goods inspection request; wherein, the financing stage comprises a depositing stage, a waiting repayment stage and a repayment stage. And then, if the warehouse owner is not the target owner, an early warning notice can be sent to the participant.

The target owner specifically refers to an owner to which the warehouse bill belongs in a financing stage corresponding to the time when the goods inspection request is initiated. The aforementioned list should belong to different owners at different financing stages. For example, the target owner of the manifest should be the consignee when in the deposit phase or pending payment phase. When in the repayment stage, the target owner of the bill of the warehouse should belong to the financing party.

In some examples, the participant may initiate a checkup request to the intelligent inventory control subsystem when the owner information of the current inventory needs to be determined.

The intelligent goods control subsystem can respond to the goods inspection request and interact with the block chain subsystem to acquire the current owner information of the warehouse bill corresponding to the financing. Then, a financing stage corresponding to the current moment can be determined, and a target owner corresponding to the current financing stage is determined according to the maintained corresponding relation table of the financing stage and the target owner. Then, whether the current owner of the warehouse bill is the target owner can be determined; if yes, determining that the goods inspection result passes; otherwise, the verification is determined to be failed, and an early warning notice can be sent to the participants so as to inform the participants that the information of all the current warehouse bills is wrong.

The intelligent goods control is carried out through the intelligent goods control subsystem, on one hand, all people corresponding to the financing stage can be clarified, and therefore the benefits of the financing participants are guaranteed; on the other hand, each participant can check the conditions of the cargo owners in real time, and the experience of the participants is improved.

In some examples, the intelligent cargo control subsystem may also periodically execute the cargo inspection request, and send out an early warning notification when the current owner of the manifest is inconsistent with the target owner, so as to automatically monitor the condition of the cargo owner and improve the experience of the participants.

The price early warning subsystem can be used for obtaining current price data of goods indicated by the target order. Then, it is determined whether the price indicated by the current price data is lower than the price of the goods when the financing party initiates the financing request. If yes, sending out early warning of low price of goods to the fund.

In some examples, the price of the goods indicated by the target order may be carried in a financing request initiated by a financer. After a financing party issues a financing amount to the financing party, the price early warning subsystem can periodically acquire the current price of the goods indicated by the target order through the network, and compare the current price with the price of the goods during financing. If the current price is lower than the price of the goods during financing, an early warning of the low price of the goods can be sent to a sponsor.

The price early warning subsystem can remind the sponsor when the current price of the goods is too low, so that the sponsor can be assisted to manage the price of the goods, and the sponsor can require the financer to provide other guarantees when the current price of the goods is too low, thereby guaranteeing the benefits of the sponsor and improving the experience of the sponsor.

The model building subsystem can be used for building a wind control model based on financing data of a financing party with evidence stored in the block chain; and the wind control model comprises a neural network model obtained based on the evidence storage data training.

The financing data may include behavior data and user data related to financers in the financing process. The behavior data can include behavior data such as financing amount, repayment date and whether default of the financing party. The user data may include age, gender, school calendar, work, etc. of the financing party. The financing data is not particularly limited in the present application.

The wind control model may be a model constructed based on a neural network. The present application does not limit the specific structure of the above-described wind control model.

In some examples, the model building subsystem may store financing data for the financer by interacting with the blockchain subsystem. And then marking the financing data of the financing party to construct a training sample. If the credit rating of the financer is relatively high, the financing data corresponding to the financer can be marked as a positive sample.

After the training sample is constructed, the wind control model can be trained based on the training sample to obtain the wind control model.

In some examples, the sponsor may also be assisted by the above-mentioned wind control model to perform auditing on the financer.

When the pre-payment financing transaction initiated by the financer is checked, the financer data corresponding to the financer can be obtained. And inputting the data of the financing party into the wind control model to obtain a risk assessment score corresponding to the financing party. And if the risk assessment score reaches a preset threshold value, determining that the audit is passed.

In some examples, the auditing result of the risk model may be obtained by interacting with a device carrying the wind control model through an event mechanism.

The wind control model assists the sponsor to audit the financing party, so that a credible audit result can be provided for the sponsor, the financing credibility is ensured, and the experience of the sponsor is improved.

The following embodiments are described in conjunction with a financing scenario.

Please refer to fig. 5, fig. 5 is a schematic view of a scene shown in the present application.

In the scenario described above, the financer may be merchant a, the seller may be merchant B, the sponsor may be banking institution C, and the consignee may be warehouse D. The merchant A and the merchant B sign an order for a piece of goods. The merchant A, the organization C and the warehouse D sign up for financing agreements. The agreement shows that the merchant A can apply for financing to the institution C with a credit line of X. Warehouse D may hold goods instead of institution C.

A financing system is included in the above scenario. The financing system may include a blockchain subsystem and a business subsystem (the business system may implement the method for assisting financing as disclosed in any of the foregoing embodiments).

After the three-party front-end financing agreement, a financing agreement storage request can be sent to the financing system. After the financing system receives the request, the evidence deposit transaction can be initiated by the service subsystem to complete the evidence deposit of the financing agreement.

When the merchant A needs to perform financing, a financing request can be constructed based on the order, and the financing request is sent to the financing system. The financing request may include a financing amount (repayment amount) and a repayment date.

The financing system can call a first intelligent contract driving financing to check the financing through the block chain subsystem. If the financing amount of the financing does not exceed the credit granting amount in the financing agreement, the financing request can be sent to the organization C for auditing by constructing an approval event. After the audit is passed, the merchant A can pay the advance payment to the warehouse D through the advance payment event. After receiving the advance payment, the institution C may pay the end payment to the warehouse D. Warehouse D may combine the received advance payment and the trailer and pay merchant B for the order. After receiving the payment, the merchant B may update the owner of the bill corresponding to the goods to the warehouse D. Warehouse D may then initiate a warehouse warranty request to the financing system described above. The system may respond to the request for deposit evidence, invoke a second intelligent contract associated with the manifest, deposit the manifest with the block chain subsystem, and freeze the manifest. The financing system can inform the merchant A and the institution C to complete financing after the certificate storage bill is stored.

This completes the financing process.

If merchant A pays for institution C on time, institution C may initiate a change request to the aforementioned financing system for the inventory owner. The system may update the owner of the inventory to merchant a through the change logic of the second intelligent contract in response to the change request.

If the merchant A only has a part of money, the owner of the goods corresponding to the repayment amount in the goods indicated by the warehouse slip can be updated to be the merchant A.

The financing system can monitor the financing through the service subsystem.

The business subsystem can monitor the price of the goods in real time, and if the current price of the goods is lower than the price of the goods when financing is initiated, the organization C can be informed, so that the organization C can require the merchant A to provide other guarantees, and further the benefit of the organization C is ensured.

The business subsystem can also monitor the repayment behavior of the merchant A. If the current date is close to the payment date, the merchant A still does not pay, the merchant A and the institution C can be reminded, and therefore payment supervision between the merchant and the institution is assisted. If the current date exceeds the payment date, merchant A still does not pay, and automatic payment can be executed to ensure the benefit of the institution.

If the merchant A needs to inquire the owner information of the current warehouse list, a goods checking request can be constructed and sent to the financing system. The system can determine whether all people of the warehouse slip at the current moment are correct through the service subsystem, so that the financing participants are assisted to monitor the warehouse slip.

The business subsystem can also train a wind control model based on data of the financing party stored by the block chain subsystem, so that the organization C is assisted to check the financing request.

Referring to fig. 6, fig. 6 is a schematic structural diagram of a financing device according to the present application.

As shown in fig. 6, the apparatus 60 includes:

a first receiving module 61, which receives the pre-payment financing transaction corresponding to the target order of the financing party;

the first invoking module 62, in response to the financing transaction, invokes an auditing logic included in the intelligent contract, performs pre-payment financing auditing for the pre-payment financing transaction, and generates an auditing pass event when the auditing pass event is passed, so that the sponsor corresponding to the pre-payment financing responds to the auditing pass event, and performs order payment to the seller corresponding to the target order to complete the pre-payment financing.

In some embodiments shown, the first calling module 62 is configured to:

calling auditing logic included in the intelligent contract to determine whether financing funds indicated by the financing transaction are in the credit line granted to the financing party by the financing party;

In some of the illustrated embodiments, the apparatus 60 further comprises:

the prepayment payment module is used for responding to the result that the audit is passed, generating a prepayment payment event so that the financing party conducts prepayment payment for the target order in response to the prepayment payment event and submits a prepayment payment certificate to the intelligent contract;

and generating an audit passing event in response to the prepaid payment voucher, so that the sponsor can pay the order to the seller corresponding to the target order in response to the audit passing event to complete the prepaid financing.

In some embodiments, intelligent contracts for associating the bills are also deployed in the blockchain; the above apparatus 60 further comprises:

a second receiving module 63, configured to receive a warehouse receipt transaction corresponding to the target order; wherein the bill deposit certificate transaction comprises a bill of goods corresponding to the target order; the owner of the invoice comprises the sponsor; or, the goods holder appointed by the sponsor;

and the second calling module 64 is used for calling the storage logic included in the intelligent contract in response to the storage transaction of the warehouse slip, and issuing the warehouse slip to the block chain for storage.

In some of the illustrated embodiments, the apparatus 60 further comprises:

a third receiving module 65 for receiving a change transaction of the list owner for the list; wherein, the change transaction of the bill owner comprises the repayment information of the financing party;

and a third calling module 66, responsive to the change transaction, calling the check logic included in the intelligent contract, performing authenticity check on the repayment information, and further calling the bill change logic included in the intelligent contract when the repayment information passes the authenticity check, so as to update the owner of the bill to the financing party.

In some illustrated embodiments, the payment information characterizes a payment amount of the financer; the third invoking module 66 is configured to:

and updating the owners of the goods with the quantity corresponding to the repayment amount in the goods indicated by the bill as the financing party.

The embodiment of the financing device shown in the application can be applied to electronic equipment. Accordingly, the present application discloses an electronic device, which may comprise: a processor.

A memory for storing processor-executable instructions.

Wherein the processor is configured to call executable instructions stored in the memory to implement the financing method as shown in any of the above embodiments.

Referring to fig. 7, fig. 7 is a schematic diagram of a hardware structure of an electronic device shown in the present application.

As shown in fig. 7, the electronic device may include a processor for executing instructions, a network interface for making network connections, a memory for storing operation data for the processor, and a non-volatile memory for storing instructions corresponding to the image processing apparatus.

The embodiment of the financing device can be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation. In terms of hardware, in addition to the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 7, the electronic device in which the apparatus is located in the embodiment may also include other hardware according to the actual function of the electronic device, which is not described again.

It is understood that, in order to increase the processing speed, the instructions corresponding to the financing device may also be directly stored in the memory, which is not limited herein.

The present application proposes a computer-readable storage medium, which stores a computer program for executing the financing method shown in any one of the above embodiments.

One skilled in the art will recognize that one or more embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of 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, one or more embodiments of the present application may take the form of a computer program product (which may include, but is not limited to, disk storage, CD-ROM, optical storage, and the like) embodied as described above in one or more computer-usable storage media having computer-usable program code embodied therein.

"and/or" in this application means having at least one of the two, for example, "a and/or B" may include three schemes: A. b, and "A and B".

The embodiments in the present application are described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the data processing apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to part of the description of the method embodiment.

The foregoing description of specific embodiments of the present application has been presented. Other embodiments are within the scope of the following claims. In some cases, the acts or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Embodiments of the subject matter and functional operations described in this application may be implemented in the following: digital electronic circuitry, tangibly embodied computer software or firmware, computer hardware that may include the structures disclosed in this application and their structural equivalents, or combinations of one or more of them. Embodiments of the subject matter described in this application can be implemented as one or more computer programs, i.e., one or more modules encoded in tangible, non-transitory program carriers that execute on or control the operation of data processing apparatus. Alternatively or additionally, the program instructions may be encoded in an artificially generated propagated signal, e.g., a machine-generated electrical, optical, or electromagnetic signal, that is generated to encode information for transmission to suitable receiver apparatus for execution by the data processing apparatus. The computer storage medium may be a machine-readable storage device, a machine-readable storage substrate, a random or serial access memory device, or a combination of one or more of them.

The processes and logic flows described in this application can be performed by one or more programmable computers executing one or more computer programs to perform corresponding functions by operating on input data and generating output. The processes and logic flows described above can also be performed by, and apparatus can also be implemented as, special purpose logic circuitry, e.g., an FPGA (field programmable gate array) or an ASIC (application-specific integrated circuit).

Computers suitable for executing computer programs may include, for example, general and/or special purpose microprocessors, or any other type of central processing unit. Generally, a central processing unit will receive instructions and data from a read-only memory and/or a random access memory. The basic components of a computer may include a central processing unit for implementing or executing instructions and one or more memory devices for storing instructions and data. Generally, a computer will also include, or be operatively coupled to receive data from or transfer data to, or both, one or more mass storage devices for storing data, e.g., magnetic, magneto-optical disks, or optical disks. However, a computer does not necessarily have such a device. Moreover, a computer may be embedded in another device, e.g., a mobile telephone, a Personal Digital Assistant (PDA), a mobile audio or video player, a game console, a Global Positioning System (GPS) receiver, or a portable storage device such as a Universal Serial Bus (USB) flash drive, to name a few.

Computer-readable media suitable for storing computer program instructions and data can include all forms of non-volatile memory, media and memory devices, including by way of example semiconductor memory devices (e.g., EPROM, EEPROM, and flash memory devices), magnetic disks (e.g., internal hard disk or removable disks), magneto-optical disks, and CD ROM and DVD-ROM disks. The processor and the memory can be supplemented by, or incorporated in, special purpose logic circuitry.

Although this application contains many specific implementation details, these should not be construed as limiting the scope of any disclosure or of what may be claimed, but rather as merely describing features of particular disclosed embodiments. Certain features that are described in this application in the context of separate embodiments can also be implemented in combination in a single embodiment. In other instances, features described in connection with one embodiment may be implemented as discrete components or in any suitable subcombination. Moreover, although features may be described above as acting in certain combinations and even initially claimed as such, one or more features from a claimed combination can in some cases be excised from the combination, and the claimed combination may be directed to a subcombination or variation of a subcombination.

Similarly, while operations are depicted in the drawings in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order, or that all illustrated operations be performed, to achieve desirable results. In some cases, multitasking and parallel processing may be advantageous. Moreover, the separation of various system modules and components in the embodiments described above should not be understood as requiring such separation in all embodiments, and it should be understood that the described program components and systems can generally be integrated together in a single software product or packaged into multiple software products.

Thus, particular embodiments of the subject matter have been described. Other embodiments are within the scope of the following claims. In some cases, the actions recited in the claims can be performed in a different order and still achieve desirable results. Further, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some implementations, multitasking and parallel processing may be advantageous.

While the foregoing is directed to embodiments of the present invention, other and further embodiments of the invention may be devised without departing from the basic scope thereof, and the scope thereof is determined by the claims that follow.

Claims

1. A financing method is applied to block link point equipment; intelligent contracts used for driving financing are deployed in the blockchain; the method comprises the following steps:

and responding to the financing transaction, calling auditing logic included by the intelligent contract, performing pre-payment financing auditing aiming at the pre-payment financing transaction, and generating an auditing passing event when the auditing passes, so that a sponsor corresponding to the pre-payment financing responds to the auditing passing event, and performing order payment to a seller corresponding to the target order to complete the pre-payment financing.

2. The method of claim 1, the invoking audit logic included in the smart contract, performing a pre-payment financing audit for the pre-payment financing transaction, comprising:

the auditing logic included by the intelligent contract is called to determine whether the financing fund indicated by the financing transaction is in the credit line granted to the financing party by the financing party;

and if the financing fund is determined to be in the credit line, establishing an auditing event corresponding to the sponsor so that the sponsor can further audit the financing request in response to the auditing event, and submitting an auditing result to the intelligent contract.

3. The method of claim 2, wherein upon review passing, generating a review pass event to cause a sponsor corresponding to the pre-payment financing to make an order payment to a seller corresponding to the target order to complete the pre-payment financing in response to the review pass event comprises:

generating a pre-payment event in response to the result that the audit of the audit is passed, so that the financer performs pre-payment for the target order in response to the pre-payment event and submits a pre-payment evidence to the intelligent contract;

and generating an audit passing event in response to the pre-payment voucher, so that the sponsor can pay the order to the seller corresponding to the target order in response to the audit passing event to complete the pre-payment financing.

4. A method according to any of claims 1-3, the blockchain further having deployed therein smart contracts for associating the bills of lading, the method further comprising:

receiving a purchase order deposit receipt transaction corresponding to the target order; wherein the manifest deposit evidence transaction comprises a manifest for goods corresponding to the target order; the owner of the manifest comprises the sponsor; or, a consignee designated by the sponsor;

and responding to the warehouse receipt evidence storage transaction, calling evidence storage logic included by the intelligent contract, and issuing the warehouse receipt to the block chain for evidence storage.

5. The method of claim 4, further comprising:

receiving a manifest owner change transaction for the manifest; wherein the bill owner change transaction comprises repayment information of the financing party;

and responding to the change transaction, calling the checking logic included in the intelligent contract, performing authenticity checking on the repayment information, further calling the bill changing logic included in the intelligent contract when the authenticity checking is passed, and updating the owner of the bill as the financing party.

6. The method of claim 5, the payment information comprising a payment amount of the financer;

the updating of the owner of the manifest as the financing party includes:

and changing the owner of the goods corresponding to the repayment amount in the goods indicated by the warehouse bill into the financing party.

7. A financing system comprising a blockchain subsystem; intelligent contracts used for driving financing are deployed in the blockchain; the block chain subsystem is to:

8. The system of claim 7, the blockchain subsystem to:

9. The system of claim 8, the blockchain subsystem further to:

10. The system according to any one of claims 7-9, wherein intelligent contracts for associating the bills are further deployed in the blockchain; the block chain subsystem is further to:

11. The system of claim 10, the blockchain subsystem further to:

12. The system of claim 11, the payment information comprising a payment amount of the financer;

the updating of the owner of the manifest as the financing party includes:

13. The system of claim 7, further comprising a payment monitoring subsystem; the repayment monitoring subsystem is used for:

determining whether the current date reaches a repayment date agreed by the sponsor and the financing party in advance;

and if the current date reaches the repayment date, sending out overdue repayment notice to the sponsor and/or the financing party.

14. The system of claim 13, the payment monitoring subsystem further to:

if the current date exceeds the repayment date, acquiring pre-credited payment information from the block chain; wherein the payment information comprises the sponsor collection account, the financer payment account and a repayment amount;

and drawing out the amount corresponding to the repayment amount from the payment account of the financing party based on the payment information, and transferring the drawn amount to the payment account of the financing party to finish automatic repayment.

15. The system of claim 10, further comprising an intelligent cargo control subsystem; the intelligent goods control subsystem is used for:

after the warehouse receipt is stored, receiving a goods inspection request initiated by a participant participating in the financing; wherein the participant comprises any one of the financer, the sponsor and the shipper;

responding to the goods inspection request, and determining whether the bill owner is a target owner corresponding to a financing stage corresponding to the time of initiating the goods inspection request; the financing stage comprises a paying stage, a payment waiting stage and a payment stage;

and if the inventory owner is not the target owner, sending an early warning notice to the participant.

16. The system of claim 7, further comprising a storage subsystem interfacing with the blockchain subsystem; the storage subsystem is to:

receiving a financing protocol to be deposited with a certificate; wherein the financing agreement comprises an agreement signed by the financier, the sponsor and a shipper associated with the sponsor;

and issuing the financing protocol to the block chain by interacting with the block chain subsystem to finish the evidence storage.

17. The system of claim 7, further comprising a price early warning subsystem; the price early warning subsystem is used for:

acquiring current price data of the goods indicated by the target order;

determining whether the price indicated by the current price data is lower than the price of the goods when the financing party initiates the financing request;

and if so, sending an early warning of low price of the goods to the sponsor.

18. The system of claim 7, further comprising a model building subsystem interfacing with the blockchain subsystem; the model building subsystem is configured to:

constructing a wind control model based on financing data of the financing party with evidence stored in the block chain; the wind control model comprises a neural network model obtained based on the evidence storage data training;

the invoking of the auditing logic included in the intelligent contract to perform pre-payment financing auditing for the pre-payment financing transaction includes:

acquiring financer data corresponding to the financers;

inputting the financing party data into the wind control model to obtain a risk assessment score corresponding to the financing party;

and if the risk assessment score reaches a preset threshold value, determining that the audit is passed.

19. A financing device is applied to block link point equipment; intelligent contracts used for driving financing are deployed in the blockchain; the device comprises:

and the first calling module is used for calling the auditing logic included by the intelligent contract in response to the financing transaction, carrying out pre-payment financing auditing aiming at the pre-payment financing transaction, and generating an auditing passing event when the auditing passes so that a sponsor can pay an order to a seller corresponding to the target order in response to the auditing passing event to complete the pre-payment financing.

20. An electronic device deployed in a blockchain, in which intelligent contracts for driving financing are deployed; the electronic device includes:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements, by executing the executable instructions:

21. A computer-readable storage medium deployed in a blockchain, the blockchain having intelligent contracts deployed therein for driving financing; having stored thereon computer instructions that, when executed by a processor, implement: