CN113034274A - Supply chain financial service system and method based on block chain and terminal equipment - Google Patents
Supply chain financial service system and method based on block chain and terminal equipment Download PDFInfo
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Abstract
The application is suitable for block chain technical field, provides supply chain financial service system based on block chain, includes: the system comprises a service module, a plurality of enterprise end nodes and a plurality of financial institution end nodes, wherein the service module is used for acquiring enterprise user information through the enterprise end nodes, acquiring the financial institution user information through the financial institution end nodes, managing the user information, carrying out risk assessment on enterprise users, acquiring risk assessment results, uploading the risk assessment results to a block chain network, sending transaction instructions to the financial institution end nodes when the transaction instructions are received, completing transactions to generate intelligent contracts when the financial institution end nodes send confirmed transaction instructions, uploading the transaction information and the intelligent contracts to the block chain network, and generating early warning information to upload to the block chain network when the risk assessment results indicate that enterprises have risks. The method and the device improve the information transparency and the credibility, realize the transaction and financing application through the block chain, and improve the transaction and financing efficiency.
Description
Technical Field
The present application belongs to the field of blockchain technology, and in particular, to a supply chain financial service system, method, terminal device and readable storage medium based on blockchain.
Background
In actual operation, a micro enterprise usually applies for financing to meet the financial requirements of the enterprise.
However, in the traditional supply chain, the number of enterprises is large, complicated debt and debt relationships exist among the enterprises, and the fund chain is unstable; in addition, financial institutions such as banks are difficult to verify the information of enterprises, the financing process is complex and time-consuming, and the enterprises are difficult to complete financing applications.
Disclosure of Invention
The embodiment of the application provides a supply chain financial service system, a supply chain financial service method, a terminal device and a readable storage medium based on a block chain, and can solve the problem that enterprises on the traditional supply chain are difficult to complete financing applications.
In a first aspect, an embodiment of the present application provides a supply chain financial service system based on a block chain, including:
the system comprises a service module, more than one enterprise end node and more than one financial institution end node;
the service module is respectively in communication connection with the enterprise end node and the financial institution end node;
the service module comprises a management submodule, an evaluation submodule, a service submodule, a supervision submodule and an early warning submodule; the sub-modules are in communication connection with each other;
the management submodule is used for acquiring enterprise user information through the enterprise end node, acquiring financial institution user information through a financial institution end node, and managing the enterprise user information and the financial institution user information;
the evaluation submodule is used for carrying out risk evaluation on the enterprise user according to the enterprise user information to obtain a risk evaluation result, feeding the risk evaluation result back to the management submodule and uploading the risk evaluation result to the block chain network;
the service submodule is used for sending the transaction instruction to the financial institution end node when receiving the transaction instruction sent by the enterprise end node, completing the transaction to generate an intelligent contract when receiving a transaction confirmation instruction sent by the financial institution end node, storing the transaction information and the intelligent contract into the management submodule, and uploading the transaction information and the intelligent contract into the block chain network;
and the early warning sub-module is used for generating early warning information and uploading the early warning information to the block chain network when the risk evaluation result indicates that the enterprise has risks.
In a second aspect, an embodiment of the present application provides a supply chain financial service method based on a block chain, including:
acquiring enterprise user information and financial institution user information, and managing the enterprise user information and the financial institution user information;
performing risk assessment on enterprise users according to the enterprise user information to obtain a risk assessment result, and uploading the risk assessment result to a block chain network;
when a transaction instruction and a confirmation transaction instruction are received, completing the transaction to generate an intelligent contract, and uploading the transaction information and the intelligent contract to the block chain network;
and generating early warning information when the risk assessment result indicates that the enterprise has risks.
In a third aspect, an embodiment of the present application provides a terminal device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor, when executing the computer program, implements the block chain-based supply chain financial service method according to the second aspect.
In a fourth aspect, the present application provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the block chain-based supply chain financial service method according to the second aspect.
In a fifth aspect, the present application provides a computer program product, when the computer program product runs on a terminal device, causing the terminal device to execute the block chain-based supply chain financial service method according to the second aspect.
According to the embodiment of the application, the enterprise information is subjected to risk assessment through acquiring the enterprise information, so that the enterprise information is transparent and high in reliability, the difficulty of enterprise information verification is reduced, meanwhile, transaction and financing application is realized through a block chain, the transaction and financing efficiency is improved, and the financing requirement of an enterprise side is met.
It is understood that the beneficial effects of the second aspect to the fifth aspect can be referred to the related description of the first aspect, and are not described herein again.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a block chain-based supply chain financial service system provided in an embodiment of the present application;
FIG. 2 is a schematic flow chart diagram illustrating a block chain-based supply chain financial service method according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It should also be understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to" determining "or" in response to detecting ". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.
Reference throughout this specification to "one embodiment" or "some embodiments," or the like, means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the present application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," or the like, in various places throughout this specification are not necessarily all referring to the same embodiment, but rather "one or more but not all embodiments" unless specifically stated otherwise. The terms "comprising," "including," "having," and variations thereof mean "including, but not limited to," unless expressly specified otherwise.
The supply chain financial service system based on the block chain provided by the embodiment of the application can be applied to terminal equipment such as mobile phones, tablet computers and notebook computers, and the embodiment of the application does not limit the specific type of the terminal equipment.
FIG. 1 illustrates a block chain-based supply chain financial services system architecture provided herein;
the block chain-based supply chain financial service system 1 includes: a service module 11, one or more enterprise end nodes 12 and one or more financial institution end nodes 13;
the service module 11 is in communication connection with the enterprise end node 12 and the financial institution end node 13 respectively;
the service module 11 comprises a management submodule 111, an evaluation submodule 112, a service submodule 113, a supervision submodule 114 and an early warning submodule 115; and the sub-modules are in communication connection with each other.
In a specific application, the supply chain financial service system based on the block chain comprises: a service module 11, more than one enterprise end node 12 (only one shown) and more than one financial institution end node 13 (only one shown); the service module 11 is respectively in communication connection with the enterprise end node 12 and the financial institution end node 13, and the service module 11 comprises a management submodule 111, an evaluation submodule 112, a service submodule 113, a supervision submodule 114 and an early warning submodule 115; and each two sub-modules are in communication connection.
The management submodule 111 is configured to obtain enterprise user information through the enterprise end node 12, obtain financial institution user information through the financial institution end node 13, and manage the enterprise user information and the financial institution user information.
In particular applications, users include, but are not limited to, enterprise users and financial institution users, user end nodes include, but are not limited to, enterprise end nodes 12 and financial institution end nodes 13, types of user information include, but are not limited to, enterprise user information and financial institution user information; the enterprise end node 12 may be an end device of an enterprise user and the financial institution end node 13 may be an end device of a financial institution user; the management submodule 111 acquires the enterprise user information through the enterprise end node 12, acquires the financial institution user information through the financial institution end node 13, and assigns information usage rights to the enterprise user and the financial institution user to manage the enterprise user information and the financial institution user information. Managing enterprise user information and financial institution user information includes: when receiving an information management command (for example, an information query command) sent by any user, analyzing the information management command, obtaining the type of user information corresponding to the information management command, querying the information usage right of the user sending the information management command, if the user does not have the information usage right of the type, not performing any processing on the information management command, and returning a notification of operation failure to a corresponding user end node.
In a specific application, the functions of each sub-module in the service module 11 can be performed by one non-user-side node or by multiple non-user-side nodes together.
In an embodiment, the management sub-module 111 is further configured to, when receiving a registration application sent by a user, obtain registration application information of the user, and if the registration application information meets a preset registration requirement, determine that the user is successfully registered, identify a type of the user, and allocate a corresponding information usage right to the user. The preset registration requirement can be specifically set according to actual requirements, for example: the registration application information can be set to include historical transaction information and cash amount; correspondingly, when the registration application information does not include the historical transaction information, the user registration failure is judged.
The evaluation submodule 112 is configured to perform risk evaluation on the enterprise user according to the enterprise user information, obtain a risk evaluation result, feed the risk evaluation result back to the management submodule 111, and upload the risk evaluation result to the blockchain network.
In a specific application, the evaluation sub-module 112 is configured to obtain information of an enterprise user through the enterprise end node 12 in real time, and perform risk evaluation on the enterprise user according to the information of the enterprise user, where the risk evaluation content includes whether the enterprise user has a qualification for entering a chain, whether the enterprise user has a risk, and the like; and after obtaining the risk assessment result, feeding the risk assessment result back to the management submodule 111, and uploading the risk assessment result to the block chain network.
The service submodule 113 is configured to send the transaction instruction to the financial institution end node 13 when receiving the transaction instruction sent by the enterprise end node 12, and complete the transaction to generate an intelligent contract when receiving a transaction confirmation instruction sent by the financial institution end node 13, store the transaction information and the intelligent contract in the management submodule 111, and upload the transaction information and the intelligent contract to the blockchain network.
In a specific application, the service submodule 113 is configured to, when receiving a transaction instruction sent by the enterprise end node 12, analyze the transaction instruction to obtain corresponding transaction information, allocate the transaction information to the corresponding financial institution end node 13, when the financial institution end node 13 sends a transaction confirmation instruction, complete a transaction, generate a corresponding intelligent contract, store the transaction information and the intelligent contract in the management submodule 111, and upload the transaction information and the intelligent contract to the block chain network.
For example, when a transaction instruction sent by the enterprise end node 12 is received, the transaction instruction is analyzed to obtain corresponding transaction information, the amount of the transaction is identified, and the transaction information is distributed to the financial institution end node 13 of which the average value of the corresponding historical transaction amount is larger than the amount, so that the transaction success rate is improved.
The early warning submodule 115 is configured to generate early warning information and upload the early warning information to the blockchain network when the risk assessment result indicates that the enterprise has a risk.
In a specific application, the early warning sub-module 115 is configured to generate early warning information and upload the early warning information to the blockchain network when it is identified that the risk assessment result indicates that the enterprise has a risk, so as to remind other enterprise users and financial institution users, where the risk assessment result indicates that the enterprise user having the risk of the enterprise may have risks such as bankruptcy, default, fraud, and the like, and thus the fund security should be paid attention.
In one embodiment, the warning sub-module 115 is further configured to send warning information to the enterprise end node 12 whose risk assessment results are enterprise-risky to warn enterprise users.
In one embodiment, the system further includes a supervision sub-module 114;
the supervision submodule 114 is configured to, when it is detected that the enterprise user information includes abnormal information, send the abnormal information to the management submodule 111 and the evaluation submodule 112.
In a specific application, the supervision submodule 114 is configured to send the abnormal information to the management submodule 111 and the evaluation submodule 112 when it is detected that the enterprise user information includes the abnormal information; the abnormal information includes but is not limited to fund flow direction abnormality, enterprise transaction abnormality, transaction duration abnormality and the like; the abnormal enterprise transaction means that the transaction rate of the enterprise transaction is lower than a preset transaction rate threshold value; the abnormal transaction duration refers to the fact that the transaction duration of the product is larger than a preset transaction duration threshold value. The preset transaction rate threshold and the preset transaction duration threshold may be specifically set according to actual conditions, for example, the transaction amount of all transactions and the proportion of all transaction applications in the system are set as the preset transaction rate threshold. The preset transaction duration threshold value can be the transaction duration in the transaction information; the abnormal fund flow refers to the fund flow to other nodes except the target user end node. For example, if it is set in the current transaction that the node of the A user end should transfer the fund to the node of the B user end, and the node of the A user end transfers the fund to the node of the C user end, it is determined that the fund flow direction is abnormal.
Specifically, the monitoring sub-module 114 may establish a communication connection relationship with the internet of things system, obtain the location information of the product in real time, and determine the transaction duration and the product flow direction of the product.
In an embodiment, the evaluation sub-module 112 is specifically configured to, when the abnormal information is received, perform risk evaluation on the enterprise user according to the abnormal information to obtain a risk evaluation value, generate a risk evaluation result that the enterprise has a risk when the risk evaluation value is greater than or equal to a preset evaluation threshold, feed back the risk evaluation result to the management sub-module 111, and upload the risk evaluation result to the blockchain network.
In a specific application, the evaluation sub-module 112 is specifically configured to, when receiving the abnormal information, perform risk evaluation on an enterprise user according to the abnormal information to obtain a risk evaluation value, generate a risk evaluation result of an enterprise with a risk when the risk evaluation value is greater than or equal to a preset evaluation threshold, feed the risk evaluation result back to the management sub-module 111, and upload the risk evaluation result to the blockchain network. The method for performing risk assessment on the enterprise user can be specifically set according to actual conditions, for example, the risk assessment value is accumulated once every time abnormal information of the enterprise user is detected. The preset evaluation threshold may be specifically set according to an actual situation, for example, the preset evaluation threshold is set to 1, when it is detected that the enterprise transaction rate is lower than the preset transaction rate threshold and the product transaction duration is greater than the preset transaction duration threshold, the risk evaluation value of the enterprise user is obtained to 2, it is determined that a risk evaluation result of the enterprise with a risk exists, and the risk evaluation result is fed back to the management sub-module 111.
In one embodiment, the evaluation sub-module 112 is further configured to evaluate the credit value of the enterprise user according to the enterprise user information, determine that the enterprise user cannot enter the chain when the credit value of the enterprise user is lower than a credit threshold, and delete all enterprise information of the enterprise user;
when the credit value of the enterprise user is greater than or equal to the credit threshold value, sending the credit value of the enterprise user to the management submodule 111;
the management submodule 111 is further configured to allocate a corresponding financing amount to the enterprise user according to the credit value of the enterprise user.
In a specific application, the evaluation sub-module 112 is further configured to evaluate the credit value of the enterprise user according to the information of the enterprise user, obtain the credit value of the enterprise user, and compare the credit value of the enterprise user with a preset credit threshold; when the credit value of the enterprise user is lower than the credit threshold value, judging that the enterprise user cannot enter the chain, and deleting all enterprise information of the enterprise user; when the credit value of the enterprise user is greater than or equal to the credit threshold, the credit value of the enterprise user is sent to the management submodule 111, and the management submodule 111 is further configured to allocate a corresponding financing amount to the enterprise user according to the credit value of the enterprise user. The enterprise user information may include, but is not limited to: official registration information of the enterprise, historical transaction information of the enterprise, the cash amount of the enterprise, the transaction rate of the enterprise and abnormal information. Allocating corresponding financing limits to the enterprise user according to the credit value of the enterprise user comprises the following steps: the corresponding financing amount is preset in the interval of credit value of the enterprise user. For example, the credit value of the enterprise user is between 80 and 90, and the financing amount is ten million; the credit value of the enterprise user is between 90 and 95, and the financing amount is fifteen million.
In specific applications, the method for evaluating the credit value of the enterprise user to obtain the credit value of the enterprise user may be specifically set according to actual conditions, for example, the method for analyzing and calculating the information of the enterprise user by using a 5c element analysis method or a list scoring analysis method to obtain the credit value of the enterprise user; among them, the 5C factor analysis method is a method for analyzing five aspects of the user's morality, operational ability, capital, asset mortgage, economic environment, and the like.
In one embodiment, when an increase in credit value of the enterprise user is detected, the financing amount of the enterprise user is correspondingly increased.
In one embodiment, the service sub-module 113 is further configured to, when receiving a financing application sent by the enterprise end node 12, parse the financing application to obtain financing information, and if a financing amount of an enterprise user corresponding to the financing information is less than or equal to a financing amount of the enterprise user, determine that the financing application passes through, and upload the financing information to the block chain network.
In a specific application, the service sub-module 113 is further configured to, when receiving a financing application sent by the enterprise end node 12, parse the financing application to obtain financing information, and if a financing amount included in the financing information is less than or equal to a financing amount of the enterprise user, determine that the financing application passes through, and upload the financing information to the blockchain network; and simultaneously feeds back information passing the financing application to the enterprise end node 12.
In one embodiment, the service sub-module 113 is further configured to, when receiving a financing confirmation application sent by the financial institution end node 13, confirm whether the financing application and the financing confirmation application are matched, if so, generate an intelligent contract according to the financing application and the financing confirmation application, upload the intelligent contract to the block chain network, and update the financing amount of the enterprise user corresponding to the intelligent contract.
In a specific application, the service sub-module 113 is further configured to, when receiving a financing confirmation application sent by the financial institution end node 13, parse the financing confirmation application to obtain a financing confirmation amount, determine that the financing application is matched with the financing confirmation application if the financing confirmation amount is greater than or equal to a financing amount included in corresponding financing information, generate an intelligent contract according to the financing application and the financing confirmation application, upload the intelligent contract to the block chain network, and update a financing amount of an enterprise user corresponding to the intelligent contract; while feeding back smart contracts to enterprise end nodes 12 and financial institution end nodes 13.
It is understood that the service submodule 113 is also configured to automatically execute a repayment function and upload repayment information to the blockchain network when a transaction condition of the smart contract is triggered. The evaluation sub-module 112 updates the credit value of the enterprise user corresponding to the intelligent contract after recognizing that the transaction repayment of the intelligent contract is successful.
In one embodiment, the service sub-module 113 is further configured to, when receiving an information query application sent by the enterprise end node 12, access the blockchain network according to the information query application, obtain an information query result, and feed the information query result back to the enterprise end node.
In a specific application, the service sub-module 113 is further configured to, when receiving an information query application sent by the enterprise end node 12, access the block chain network according to the information query application, obtain an information query result, and feed back the information query result to the enterprise end node 12.
According to the embodiment, the enterprise information is subjected to risk assessment through acquiring the enterprise information, so that the enterprise information is public and transparent and has high reliability, the difficulty of enterprise information verification is reduced, meanwhile, transaction and financing application is realized through a block chain, the transaction and financing efficiency is improved, and the financing requirement of an enterprise side is met.
Fig. 2 shows a schematic flow chart of a block chain-based supply chain financial service method provided by the present application, which may be applied to the above-mentioned block chain-based supply chain financial service system by way of example and not limitation.
S101, acquiring enterprise user information and financial institution user information, and managing the enterprise user information and the financial institution user information.
In a specific application, the step S101 may be executed by the management sub-module 111 of the block chain-based supply chain financial service system in the embodiment.
And S102, performing risk assessment on the enterprise user according to the enterprise user information to obtain a risk assessment result, and uploading the risk assessment result to a block chain network.
In a specific application, the step S102 may be performed by the evaluation sub-module 112 of the supply chain financial service system based on the block chain in the above embodiment.
S103, when a transaction instruction and a transaction confirmation instruction are received, the transaction is completed to generate an intelligent contract, and the transaction information and the intelligent contract are uploaded to the block chain network.
In a specific application, the step S103 may be performed by the service sub-module 113 of the supply chain financial service system based on the block chain in the above embodiment.
And S104, generating early warning information when the risk assessment result indicates that the enterprise has risks.
In a specific application, the step S104 may be executed by the early warning sub-module 115 of the supply chain financial service system based on the block chain in the above embodiment.
In one embodiment, the method further comprises:
when the enterprise user information is detected to contain abnormal information, risk assessment is conducted on the enterprise user according to the abnormal information to obtain a risk assessment value, when the risk assessment value is larger than or equal to a preset assessment threshold value, a risk assessment result of the enterprise with risks is generated, and the risk assessment result is uploaded to a block chain network.
In a specific application, the above steps may be performed by the supervision submodule 114 and the evaluation submodule 112 of the supply chain financial service system based on the block chain in the above embodiment.
In one embodiment, the method further comprises:
evaluating the credit value of the enterprise user according to the enterprise user information, judging that the enterprise user cannot enter the chain when the credit value of the enterprise user is lower than a credit threshold value, and deleting all enterprise information of the enterprise user;
and when the credit value of the enterprise user is greater than or equal to the credit threshold value, distributing a corresponding financing amount according to the credit value.
In a specific application, the above steps may be performed by the evaluation sub-module 112 of the supply chain financial service system based on the block chain in the above embodiment.
In one embodiment, the method further comprises:
when a financing application is received, the financing application is analyzed to obtain financing information, if the financing amount of an enterprise user corresponding to the financing information is less than or equal to the financing amount of the enterprise user, the financing application is judged to pass, and the financing information is uploaded to the block chain network.
In a specific application, the above steps may be performed by the service sub-module 113 of the supply chain financial service system based on the block chain in the above embodiment.
In one embodiment, the method further comprises:
when receiving the financing confirmation application, confirming whether the financing application is matched with the financing confirmation application, if so, generating an intelligent contract according to the financing application and the financing confirmation application, uploading the intelligent contract to the block chain network, and updating the financing amount of the enterprise user corresponding to the intelligent contract.
In a specific application, the above steps may be performed by the service sub-module 113 of the supply chain financial service system based on the block chain in the above embodiment.
In one embodiment, the method further comprises:
and when an information query application is received, accessing the block chain network according to the information query application to obtain an information query result.
In a specific application, the above steps may be performed by the service sub-module 113 of the supply chain financial service system based on the block chain in the above embodiment.
According to the embodiment, the enterprise information is subjected to risk assessment through acquiring the enterprise information, so that the enterprise information is public and transparent and has high reliability, the difficulty of enterprise information verification is reduced, meanwhile, transaction and financing application is realized through a block chain, the transaction and financing efficiency is improved, and the financing requirement of an enterprise side is met.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.
Fig. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present application. As shown in fig. 3, the terminal device 3 of this embodiment includes: at least one processor 30 (only one shown in fig. 3), a memory 31, and a computer program 32 stored in the memory 31 and executable on the at least one processor 30, the processor 30 implementing the steps in any of the various blockchain based supply chain financial services method embodiments described above when executing the computer program 32.
The terminal device 3 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 30, a memory 31. Those skilled in the art will appreciate that fig. 3 is only an example of the terminal device 3, and does not constitute a limitation to the terminal device 3, and may include more or less components than those shown, or combine some components, or different components, for example, and may further include an input/output device, a network access device, and the like.
The Processor 30 may be a Central Processing Unit (CPU), and the Processor 30 may be other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 31 may in some embodiments be an internal storage unit of the terminal device 3, such as a hard disk or a memory of the terminal device 3. In other embodiments, the memory 31 may also be an external storage device of the terminal device 3, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital Card (SD), a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 3. Further, the memory 31 may also include both an internal storage unit and an external storage device of the terminal device 3. The memory 31 is used for storing an operating system, an application program, a BootLoader (BootLoader), data, and other programs, such as program codes of the computer program. The memory 31 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The embodiments of the present application further provide a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the steps in the above-mentioned method embodiments.
The embodiments of the present application provide a computer program product, which when running on a mobile terminal, enables the mobile terminal to implement the steps in the above method embodiments when executed.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes in the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium and can implement the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include at least: any entity or device capable of carrying computer program code to a photographing apparatus/terminal apparatus, a recording medium, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), an electrical carrier signal, a telecommunications signal, and a software distribution medium. Such as a usb-disk, a removable hard disk, a magnetic or optical disk, etc. In certain jurisdictions, computer-readable media may not be an electrical carrier signal or a telecommunications signal in accordance with legislative and patent practice.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/network device and method may be implemented in other ways. For example, the above-described apparatus/network device embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implementing, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. A blockchain-based supply chain financial services system, comprising:
the system comprises a service module, more than one enterprise end node and more than one financial institution end node;
the service module is respectively in communication connection with the enterprise end node and the financial institution end node;
the service module comprises a management submodule, an evaluation submodule, a service submodule, a supervision submodule and an early warning submodule; the sub-modules are in communication connection with each other;
the management submodule is used for acquiring enterprise user information through the enterprise end node, acquiring financial institution user information through a financial institution end node, and managing the enterprise user information and the financial institution user information;
the evaluation submodule is used for carrying out risk evaluation on the enterprise user according to the enterprise user information to obtain a risk evaluation result, feeding the risk evaluation result back to the management submodule and uploading the risk evaluation result to the block chain network;
the service submodule is used for sending the transaction instruction to the financial institution end node when receiving the transaction instruction sent by the enterprise end node, completing the transaction to generate an intelligent contract when receiving a transaction confirmation instruction sent by the financial institution end node, storing the transaction information and the intelligent contract into the management submodule, and uploading the transaction information and the intelligent contract into the block chain network;
and the early warning sub-module is used for generating early warning information and uploading the early warning information to the block chain network when the risk evaluation result indicates that the enterprise has risks.
2. The blockchain-based supply chain financial services system of claim 1 further comprising a supervision sub-module;
and the supervision submodule is used for sending the abnormal information to the management submodule and the evaluation submodule when the enterprise user information is detected to contain the abnormal information.
3. The system according to claim 2, wherein the evaluation sub-module is specifically configured to, upon receiving the anomaly information, perform risk evaluation on the enterprise user according to the anomaly information to obtain a risk evaluation value, generate a risk evaluation result of the enterprise with risk when the risk evaluation value is greater than or equal to a preset evaluation threshold, feed the risk evaluation result back to the management sub-module, and upload the risk evaluation result to the blockchain network.
4. The blockchain-based supply chain financial services system of claim 1 wherein the evaluation sub-module is further configured to evaluate the credit value of the enterprise user based on the enterprise user information, and when the credit value of the enterprise user is lower than a credit threshold, determine that the enterprise user cannot enter the chain, and delete all enterprise information of the enterprise user;
when the credit value of the enterprise user is greater than or equal to the credit threshold value, sending the credit value of the enterprise user to the management submodule;
and the management submodule is also used for distributing corresponding financing amount to the enterprise user according to the credit value of the enterprise user.
5. The supply chain financial service system of claim 4 wherein the service sub-module is further configured to, upon receiving a financing application sent by the enterprise end node, parse the financing application to obtain financing information, and if a financing amount of an enterprise user corresponding to the financing information is less than or equal to a financing amount of the enterprise user, determine that the financing application passes through, and upload the financing information to the blockchain network.
6. The blockchain-based supply chain financial service system according to claim 4, wherein the service sub-module is further configured to, when receiving a confirmed financing application sent by the financial institution end node, confirm whether the financing application and the confirmed financing application are matched, and if so, generate an intelligent contract according to the financing application and the confirmed financing application, upload the intelligent contract to the blockchain network, and update the financing amount of the enterprise user corresponding to the intelligent contract.
7. The blockchain-based supply chain financial services system of claim 4 wherein the service sub-module is further configured to, upon receiving an information query application sent by the enterprise end node, access the blockchain network according to the information query application, obtain an information query result, and feed back the information query result to the enterprise end node.
8. A supply chain financial service method based on a block chain is characterized by comprising the following steps:
acquiring enterprise user information and financial institution user information, and managing the enterprise user information and the financial institution user information;
performing risk assessment on enterprise users according to the enterprise user information to obtain a risk assessment result, and uploading the risk assessment result to a block chain network;
when a transaction instruction and a confirmation transaction instruction are received, completing the transaction to generate an intelligent contract, and uploading the transaction information and the intelligent contract to the block chain network;
and generating early warning information when the risk assessment result indicates that the enterprise has risks.
9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the method according to claim 8 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the method of claim 8.
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