CN113256431A - Supply chain financial service method and device based on parallel chain technology - Google Patents
Supply chain financial service method and device based on parallel chain technology Download PDFInfo
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Abstract
The application provides a supply chain financial service method and a device based on a parallel chain technology, and the supply chain financial service method based on the parallel chain technology comprises the following steps: building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains; the main chain is used for storing data and consensus; the parallel chain is used for processing transaction information. The parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and by utilizing the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like of a block chain technology, decentralized trust establishment is realized, and trust among financial participants of a supply chain is reformed.
Description
Technical Field
The invention relates to the field of block chains, in particular to a supply chain financial service method and device based on a parallel chain technology.
Background
Supply Chain Finance (SCF) is a specialized area of commercial banking credit business (bank level) and is also a financing channel for enterprises (enterprise level), especially small and medium-sized enterprises. Supply chain finance is a customized financial service provided for a certain link or the whole chain of a supply chain, and the effects of improving the use efficiency of capital, creating value for each party and reducing risks are achieved by integrating resources such as information, capital, logistics and the like. Enterprises in the core position of the industrial chain obtain cheap funds by relying on high credit advantage and wide opening ways, and provide financing services for small enterprises in all levels at the downstream of the industrial chain so as to construct a tighter industrial chain ecosystem.
The existing supply chain financial system information flow and business flow are difficult to verify, high in cost and low in efficiency, and supply chain financial participants need to repeatedly confirm to ensure the reality and effectiveness of contracts; risks and responsibilities between the platform and small and medium-sized enterprises in the upstream and downstream are unclear, and the wind control cost is very high; the financing party financing asset information is opaque and not public, and the fund supplier is difficult to mark the true and false of the asset; the phenomenon of information asymmetry of small and medium-sized enterprises and financial institutions occurs due to information dispersion and low equivalent rate of repeated information review in various links on the upstream and downstream of a supply chain.
Disclosure of Invention
The application provides a supply chain financial service method and device based on a parallel chain technology, wherein a parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and the block chain technology has the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like, so that decentralized trust establishment is realized, and trust among the supply chain financial participants is reshaped.
In view of this, a first aspect of the embodiments of the present application provides a supply chain financial service method based on a parallel chain technology, where the supply chain financial service method based on the parallel chain technology includes: building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains; the main chain is used for storing data and consensus; the parallel chain is used for processing transaction information. The parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and by utilizing the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like of a block chain technology, decentralized trust establishment is realized, and trust among financial participants of a supply chain is reformed.
Based on the first aspect of the embodiment of the present application, in a first implementation manner of the first aspect of the embodiment of the present application, the method for providing chain financial services based on parallel chain technology further includes: the parallel chains acquire data and consensus from the main chain.
Based on the first aspect of the embodiment of the present application or the first implementation manner of the first aspect of the embodiment of the present application, in a second implementation manner of the first aspect of the embodiment of the present application, the supply chain financial service method based on the parallel chain technology includes: after the parallel chain processes the transaction information, generating consensus; the backbone preserves the consensus.
Based on any implementation manner of the first aspect of the embodiment of the present application to the second implementation manner of the first aspect, in a third implementation manner of the first aspect of the embodiment of the present application, the method for supply chain financial services based on parallel chain technology further includes: each of the funding providers enrolls in a parallel chain by submitting enterprise application material in a registered manner.
Based on any one implementation manner of the first aspect of the embodiment of the present application to the third implementation manner of the first aspect, in a fourth implementation manner of the first aspect of the embodiment of the present application, the method for supply chain financial services based on parallel chain technology further includes: and each enterprise is deployed in the server as a node, and each node synchronously updates the account book.
Based on any implementation manner of the first aspect of the embodiment of the present application to the fourth implementation manner of the first aspect, in a fifth implementation manner of the first aspect of the embodiment of the present application, the method for supply chain financial services based on parallel chain technology further includes: when the target enterprise needs financing, a financing application is submitted, and each fund provider acquires the information of the target financing enterprise and evaluates the information according to a preset model.
Based on any implementation manner of the first aspect of the embodiment of the present application to the fifth implementation manner of the first aspect, in a sixth implementation manner of the first aspect of the embodiment of the present application, the multi-chain structure supply chain financial service platform further includes: and the blockchain browser is used for displaying a visual interface.
In a second aspect, an embodiment of the present application provides a supply chain financial service apparatus based on a parallel chain technology, where the supply chain financial service apparatus based on the parallel chain technology includes: the system comprises a building unit, a service unit and a service unit, wherein the building unit is used for building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, and the multi-chain structure comprises a main chain and a parallel chain; the main chain is used for storing data and consensus; the parallel chain is used for processing transaction information. The parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and by utilizing the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like of a block chain technology, decentralized trust establishment is realized, and trust among financial participants of a supply chain is reformed.
Based on the second aspect of the embodiments of the present application, in the first implementation manner of the second aspect of the embodiments of the present application, the supply chain financial services apparatus based on the parallel chain technology further includes: and the acquisition unit is used for acquiring data and consensus from the main chain by the parallel chain.
Based on the second aspect of the embodiment of the present application or the first implementation manner of the second aspect of the embodiment of the present application, in the second implementation manner of the second aspect of the embodiment of the present application, the supply chain financial service apparatus based on the parallel chain technology further includes: the generating unit is used for generating consensus after the parallel chain processes the transaction information; a preservation unit for preserving the consensus by the backbone.
In a third implementation manner of the second aspect of the present application, based on any one of the second to third implementation manners of the second aspect of the present application, the supply chain financial service apparatus based on parallel chain technology further includes: and the adding unit is used for each fund supplier to add into the parallel chain in a registered mode by submitting the enterprise application materials.
In a fourth implementation manner of the second aspect of the present application, based on any one of the second to third implementation manners of the second aspect of the present application, the supply chain financial service apparatus based on parallel chain technology further includes: and each enterprise is deployed in the server as a node, and each node synchronously updates the account book.
In a fifth implementation manner of the second aspect of the present application, based on any one of the second to fourth implementation manners of the second aspect of the present application, the supply chain financial service apparatus based on parallel chain technology further includes: and the subject transaction unit is used for submitting financing application when the target enterprise needs financing, and each fund provider acquires the information of the target financing enterprise and evaluates the information according to a preset model.
Based on any one implementation manner of the second aspect of the embodiment of the present application to the fifth implementation manner of the second aspect, in a sixth implementation manner of the second aspect of the embodiment of the present application, the multi-chain structure supply chain financial service platform further includes: and the blockchain browser is used for displaying a visual interface.
In a third aspect of the embodiments of the present application, a supply chain financial service apparatus based on a parallel chain technology is provided, where the supply chain financial service apparatus based on the parallel chain technology includes: a memory having instructions stored therein and at least one processor, the memory and the at least one processor interconnected by a line; the at least one processor invokes the instructions in the memory to cause the parallel chain technology-based supply chain financial services apparatus to perform the parallel chain technology-based supply chain financial services method as described in any one of the possible implementations of the first aspect to the first aspect of the present application.
A fourth aspect of the embodiments of the present application provides a non-transitory computer-readable storage medium, wherein the non-transitory computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by one or more processors, the computer-executable instructions may cause the one or more processors to execute the supply chain financial service method based on the parallel chain technology.
A fifth aspect of embodiments of the present application provides a computer program product, which is characterized in that the computer program product comprises a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions that, when executed by a processor, cause the processor to execute the above-mentioned supply chain financial service method based on parallel chain technology.
The application provides a supply chain financial service method based on a parallel chain technology, which comprises the following steps: building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains; the main chain is used for storing data and consensus; the parallel chain is used for processing transaction information. The parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and by utilizing the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like of a block chain technology, decentralized trust establishment is realized, and trust among financial participants of a supply chain is reformed.
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FIG. 1 is a schematic flow chart illustrating a supply chain financial service method based on parallel chain technology according to an embodiment of the present disclosure;
FIG. 2 is a schematic flow chart illustrating when a target enterprise needs financing in an embodiment of the present application;
FIG. 3 is a functional block diagram of a supply chain financial services apparatus based on parallel chain technology according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a supply chain financial service apparatus based on parallel chain technology according to an embodiment of the present application.
Detailed Description
The application provides a supply chain financial service method and device based on a parallel chain technology, wherein a parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and the block chain technology has the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like, so that decentralized trust establishment is realized, and trust among the supply chain financial participants is reshaped.
The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application. In the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone, wherein A and B can be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of the singular or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, a and b, a and c, b and c or a and b and c, wherein a, b and c can be single or multiple. It is to be noted that "at least one item" may also be interpreted as "one or more item(s)".
It is noted that, in the present application, words such as "exemplary" or "for example" are used to mean exemplary, illustrative, or descriptive. Any embodiment or design described herein as "exemplary" or "e.g.," is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, use of the word "exemplary" or "such as" is intended to present concepts related in a concrete fashion.
The descriptions of the first, second, etc. appearing in the embodiments of the present application are only for illustrating and differentiating the objects, and do not represent the order or the particular limitation of the number of the devices in the embodiments of the present application, and do not constitute any limitation to the embodiments of the present application.
Supply chain finance is a specialized field (bank level) of commercial banking credit business, and is also a financing channel (enterprise level) for enterprises, especially small and medium-sized enterprises. Supply chain finance is a customized financial service provided for a certain link or the whole chain of a supply chain, and the effects of improving the use efficiency of capital, creating value for each party and reducing risks are achieved by integrating resources such as information, capital, logistics and the like. Enterprises in the core position of the industrial chain obtain cheap funds by relying on high credit advantage and wide opening ways, and provide financing services for small enterprises in all levels at the downstream of the industrial chain so as to construct a tighter industrial chain ecosystem.
The existing supply chain financial system information flow and business flow are difficult to verify, high in cost and low in efficiency, and supply chain financial participants need to repeatedly confirm to ensure the reality and effectiveness of contracts; risks and responsibilities between the platform and small and medium-sized enterprises in the upstream and downstream are unclear, and the wind control cost is very high; the financing party financing asset information is opaque and not public, and the fund supplier is difficult to mark the true and false of the asset; the phenomenon of information asymmetry of small and medium-sized enterprises and financial institutions occurs due to information dispersion and low equivalent rate of repeated information review in various links on the upstream and downstream of a supply chain.
In view of the above problem, the present application provides a supply chain financial service method based on parallel chain technology, please refer to fig. 1, the method includes:
s101, building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains;
the blockchain network is built based on a parallel chain architecture of federation chains, in which a plurality of parallel chains are attached to a main chain and share a main chain consensus network. The transaction on the main chain is only data storage and consensus, the actual transaction and complex functions are completed on the parallel chain, and even if a performance problem occurs or an intelligent contract is attacked, the main chain is not influenced by only destroying the parallel chain.
S102, acquiring data and consensus from a main chain by a parallel chain;
due to the extremely high stability of the main chain, all data of the parallel chain can be synchronized from the main chain, and the advantage of adopting the parallel chain architecture is that the common recognition transaction has no loss risk.
S103, after the transaction information is processed by the parallel chain, generating a consensus, and storing the consensus by the main chain;
in the platform, capital suppliers such as core enterprises, upstream and downstream enterprises, banks, warranties and the like are added into a parallel chain in a registration mode by submitting enterprise application materials, nodes of each enterprise are deployed on a server of each enterprise, each node stores the same account book mechanism, and all rules and conventions are public and transparent; all links related to rights and contract execution, such as payment condition, registration confirmation, notice confirmation, receipt confirmation, cash confirmation and the like, achieve consensus and evidence under interactive processing. All nodes participate in interaction, witness and supervision, all data on the account book are commonly maintained by each enterprise on a supply chain, and each enterprise participating in maintenance can store a complete database backup.
The application provides a supply chain financial service method based on a parallel chain technology, which comprises the following steps: building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains; the main chain is used for storing data and consensus; the parallel chain is used for processing transaction information. The parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded in a block chain account book, and by utilizing the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like of a block chain technology, decentralized trust establishment is realized, and trust among financial participants of a supply chain is reformed.
Based on the supply chain financial service method based on the parallel chain technology described in fig. 1, the flow when the target enterprise needs financing can refer to fig. 2.
S201, building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains;
s202, acquiring data and consensus from a main chain by a parallel chain;
s203, after the transaction information is processed by the parallel chain, generating a consensus, and storing the consensus by the main chain;
steps S201 to S203 are similar to steps S101 to S103 of the method shown in fig. 1, and are not described again here.
S204, submitting financing application, and each fund provider acquires information of a target financing enterprise and evaluates the information according to a preset model;
when the enterprise needs financing, submitting financing application, and the fund supplier can check the information of the financing enterprise in the market quotation; the financing party selects a proper scoring card model through a wind control engine, a series of wind control indexes, such as transaction detail data, asset data, credit data and the like, recorded in advance on the block chain of the financing party are called to create an evaluation record, and a score is calculated to generate an evaluation report for the financing party to judge whether approval is passed or not.
S205, after the approval is passed, adopting a strategy model, and designing a risk strategy aiming at the whole coverage stage of a specific business mode;
s206, quantifying risk indexes of the supply chain financial platform and developing data intelligent wind control.
The method has the advantages that the method jumps to the blockchain browser through the platform link, the visual interface is displayed by the blockchain browser, the query of information such as the block hash, the block height, the transaction data and the timestamp is realized, and the characteristics of counterfeit and truthfulness removal and traceability are realized.
The invention discloses a supply chain financial service platform based on a parallel chain technology, which takes a parallel chain as a business platform architecture, records transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants into a block chain account book, and realizes decentralized trust establishment and remolding of trust between supply chain financial participants by utilizing the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like of the block chain technology; small and medium-sized enterprises can initiate mortgage financing to banks or other fund parties through the platform for accounts receivable and the like of core enterprises, and the banks or other fund parties perform operations such as financing examination, post-loan monitoring and the like through the wind control engine, so that the complexity of risk management can be reduced, the operation difficulty and the operation cost can be reduced, and the efficiency of the whole supply chain can be improved; through a block chain browser page, transaction data is traced, looked up and identified, and information such as block hash, the number of nodes achieving consensus, a timestamp, block height, addresses of two transaction parties and the like can be clearly found.
The above description is made on a supply chain financial service method based on the parallel chain technology in the embodiment of the present application, and the following description is made on an apparatus in the embodiment of the present application, where an embodiment of a supply chain financial service apparatus based on the parallel chain technology in the embodiment of the present application includes:
the building unit 301 is used for building a multi-chain structure supply chain financial service platform participated by multiple users, and the multi-chain structure comprises a main chain and parallel chains.
An obtaining unit 302, configured to obtain data and consensus from the main chain by the parallel chain.
The generating unit 303 is configured to generate a consensus after the parallel chain processes the transaction information, and the main chain stores the consensus.
And the submitting unit 304 is used for submitting financing applications, and each fund provider acquires information of a target financing enterprise and evaluates the information according to a preset model.
And a design unit 305, configured to adopt the policy model after the approval is passed, and design a risk policy for a specific business model covering a full stage.
And the wind control unit 306 is used for quantifying risk indexes of the supply chain financial platform and developing data intelligent wind control.
Each unit may perform the method shown in any one of the foregoing embodiments in fig. 1 or fig. 2, and details are not repeated here. The parallel chain is used as a business platform architecture, transaction information of core enterprises, fund suppliers, upstream and downstream small and medium-sized enterprises and other participants is recorded into a block chain account book, and the technical characteristics of distributed storage, data tamper resistance, traceability, multi-party consensus and the like are realized by using a block chain technology, so that decentralized trust establishment is realized, and trust among financial participants of a supply chain is reshaped; small and medium-sized enterprises can initiate mortgage financing to banks or other fund parties through the platform for accounts receivable and the like of core enterprises, and the banks or other fund parties perform operations such as financing examination, post-loan monitoring and the like through the wind control engine, so that the complexity of risk management can be reduced, the operation difficulty and the operation cost can be reduced, and the efficiency of the whole supply chain can be improved; through a block chain browser page, transaction data is traced, looked up and identified, and information such as block hash, the number of nodes achieving consensus, a timestamp, block height, addresses of two transaction parties and the like can be clearly found.
Fig. 3 above describes the supply chain financial service apparatus based on the parallel chain technology in the embodiment of the present application in detail from the perspective of the modular functional entity, and the supply chain financial service apparatus based on the parallel chain technology in the embodiment of the present application in detail from the perspective of the hardware processing.
Fig. 4 is a schematic structural diagram of a supply chain financial service apparatus 400 based on parallel chain technology according to an embodiment of the present application, which may have a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 410 (e.g., one or more processors) and a memory 420, and one or more storage media 430 (e.g., one or more mass storage devices) storing an application 433 or data 432. Memory 420 and storage medium 430 may be, among other things, transient or persistent storage. The program stored on the storage medium 430 may include one or more modules (not shown), each of which may include a sequence of instruction operations in the apparatus 400 for triggering supply chain financial service actions based on parallel chain techniques. Still further, the processor 410 may be configured to communicate with the storage medium 430 to execute a series of instruction operations in the storage medium 430 on the supply chain financial services apparatus 400 based on parallel chain technology.
The parallel chain technology-based supply chain financial services device 400 may also include one or more power supplies 440, one or more wired or wireless network interfaces 630, one or more input-output interfaces 460, and/or one or more operating systems 431, such as Wimdows Server, Nmc OSX, Umix, Limux, FreeBSD, and the like. Those skilled in the art will appreciate that the configuration of the parallel chain technology-based supply chain financial services apparatus illustrated in FIG. 4 does not constitute a limitation of the parallel chain technology-based supply chain financial services apparatus, and may include more or fewer components than those illustrated, or some components in combination, or a different arrangement of components.
Embodiments of the present invention provide a non-transitory computer-readable storage medium storing computer-executable instructions for execution by one or more processors, for example, to perform the method described above in any of the embodiments of fig. 1 or 2.
By way of example, non-volatile storage media can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), electrically erasable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM), which acts as external cache memory. By way of illustration and not limitation, RAM is available in many forms such as Synchronous RAM (SRAM), dynamic RAM, (DRAM), Synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), Enhanced SDRAM (ESDRAM), Synchlink DRAM (SLDRAM), and Direct Rambus RAM (DRRAM). The disclosed memory components or memory of the operating environment described herein are intended to comprise one or more of these and/or any other suitable types of memory.
Another embodiment of the invention provides a computer program product comprising a computer program stored on a non-volatile computer readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to perform a ground filtering method of the above method embodiment. For example, the method shown in any of the embodiments of fig. 1 or 2 described above is performed.
Through the above description of the embodiments, those skilled in the art will clearly understand that the embodiments may be implemented by software plus a general hardware platform, and may also be implemented by hardware. With this in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer electronic device (which may be a personal computer, a server, or a network electronic device, etc.) to execute the methods of the various embodiments or some parts of the embodiments.
The embodiments of the present application also provide a communication device, which includes one or more processors, one or more memories, and one or more transceivers (each including a transmitter Tx and a receiver Rx) connected via a bus. One or more transceivers are connected to one or more antennas. The one or more memories include computer program code. The transceiver may perform the functions of the receiving unit or the transmitting unit, and the transceiver may be a separate receiver and transmitter.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
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, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
In the examples provided herein, it is to be understood that the disclosed methods may be practiced otherwise than as specifically described without departing from the spirit and scope of the present application. The present embodiment is an exemplary example only, and should not be taken as limiting, and the specific disclosure should not be taken as limiting the purpose of the application. For example, some features may be omitted, or not performed.
The technical means disclosed in the present application is not limited to the technical means disclosed in the above embodiments, and includes technical means formed by any combination of the above technical features. It should be noted that, for those skilled in the art, without departing from the principle of the present application, several improvements and modifications can be made, and these improvements and modifications are also considered to be within the scope of the present application.
The above detailed description is given to a supply chain financial service method and device based on parallel chain technology, and a specific example is applied to illustrate the principle and implementation manner of the present application, and the description of the above embodiment is only used to help understanding the method and core ideas of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application. 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; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (10)
1. A supply chain financial service method based on a parallel chain technology is characterized by comprising the following steps:
building a multi-chain structure supply chain financial service platform participated by multiple users based on a block chain technology, wherein the multi-chain structure comprises a main chain and parallel chains;
the main chain is used for storing data and consensus;
the parallel chain is used for processing transaction information.
2. The parallel chain technology supply chain financial service method of claim 1, wherein the parallel chain technology-based supply chain financial service method further comprises:
the parallel chains acquire data and consensus from the main chain.
3. The parallel chain technology supply chain financial service method of claim 2, wherein the parallel chain technology-based supply chain financial service method further comprises:
after the parallel chain processes the transaction information, generating consensus;
the backbone preserves the consensus.
4. The parallel chain technology supply chain financial service method according to any one of claims 1 to 3, wherein the parallel chain technology-based supply chain financial service method further comprises:
each of the funding providers enrolls in a parallel chain by submitting enterprise application material in a registered manner.
5. The parallel chain technology supply chain financial service method according to any one of claims 1 to 3, wherein the parallel chain technology-based supply chain financial service method further comprises:
and each enterprise is deployed in the server as a node, and each node synchronously updates the account book.
6. The parallel chain technology supply chain financial service method according to any one of claims 1 to 3, wherein the parallel chain technology-based supply chain financial service method further comprises:
when the target enterprise needs financing, a financing application is submitted, and each fund provider acquires the information of the target financing enterprise and evaluates the information according to a preset model.
7. The supply chain financial services method of the parallel chain technology as claimed in any one of claims 1 to 3, wherein the supply chain financial services platform of the multi-chain structure further comprises:
and the blockchain browser is used for displaying a visual interface.
8. A supply chain financial service device based on parallel chain technology, characterized in that the supply chain financial service device based on parallel chain technology comprises: a memory having instructions stored therein and at least one processor, the memory and the at least one processor interconnected by a line;
the at least one processor invokes the instructions in the memory to cause the parallel chain technology-based supply chain financial services device to perform the parallel chain technology-based supply chain financial services method of any of claims 1-7.
9. A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform the parallel chain technology-based supply chain financial services method of any one of claims 1-7.
10. A computer program product, characterized in that the computer program product comprises a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to carry out the parallel chain technology-based supply chain financial services method according to any one of claims 1-7.
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Application publication date: 20210813 |