CN114445218A - Logistics financing method, device, equipment and medium based on block chain - Google Patents
Logistics financing method, device, equipment and medium based on block chain Download PDFInfo
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- CN114445218A CN114445218A CN202210356076.2A CN202210356076A CN114445218A CN 114445218 A CN114445218 A CN 114445218A CN 202210356076 A CN202210356076 A CN 202210356076A CN 114445218 A CN114445218 A CN 114445218A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/25—Integrating or interfacing systems involving database management systems
- G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
- G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
- G06Q10/0875—Itemisation or classification of parts, supplies or services, e.g. bill of materials
Abstract
The invention discloses a logistics financing method, a logistics financing device, logistics financing equipment and a logistics financing medium based on a block chain, relates to the technical field of the block chain, and is used for solving the problem that storage logistics and financial services cannot be integrated in the prior art. The system is applied to a logistics financial service platform, and the logistics financial service platform is at least connected with a warehouse logistics mechanism and a financial mechanism through a block chain network. By receiving an applicant's financing request; acquiring a warehousing record of the applicant in a warehousing and logistics mechanism according to the user identity in the financing request; judging whether the warehousing records contain the mortgage information or not, if so, estimating the value of the mortgage corresponding to the mortgage information to obtain an estimation result; and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result. Therefore, the financing efficiency is improved on the basis of establishing the credibility between the warehouse logistics organization and the financial institution.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a logistics financing method, a logistics financing device, logistics financing equipment and a logistics financing medium based on block chains.
Background
Supply chain management refers to a management method for manufacturing, transporting, and selling products by effectively organizing suppliers, manufacturers, logistics, warehouses, and the like together so as to minimize the cost of the entire supply chain system, while satisfying a certain customer service level. The current development situation and the dilemma of the financial supply and demand market of the logistics industry in the economic environment of China at present; the market demand of logistics finance is huge, and logistics practitioners of demand parties cannot be trusted by traditional financial institutions and cannot be supported by finance; financial institutions, on the other hand, also see great market space but are not free of any understanding of the mechanisms, wind control, and logistics industry, and cannot be placed in this market with confidence.
In the prior art, a user stores goods in a warehouse logistics mechanism, but when financing is performed, as a trust mechanism is not established between the warehouse logistics mechanism and a bank, the user needs to make a plurality of certification materials to prove that the warehouse goods belong to own assets, and the collateral cannot be supervised by the financing in the later period.
Therefore, it is desirable to provide a logistics financing method based on block chain to meet the requirement of integrating warehouse logistics with financial services.
Disclosure of Invention
The invention aims to provide a block chain-based logistics financing method, a block chain-based logistics financing device, a block chain-based logistics financing equipment and a block chain-based logistics financing medium, which are used for solving the problem that warehouse logistics and financial services cannot be integrated in the prior art.
In order to achieve the above purpose, the invention provides the following technical scheme:
in a first aspect, the invention provides a block chain-based logistics financing method, which is applied to a logistics financial service platform, wherein at least a warehouse logistics mechanism and a financial mechanism are accessed to the logistics financial service platform; the method comprises the following steps:
receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
acquiring a warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity;
judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
if the first judgment result shows that the warehousing record contains the mortgage information, evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result;
and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
In a second aspect, the invention provides a logistics financing device based on a block chain, which is applied to a logistics financial service platform, wherein at least a warehouse logistics institution and a financial institution are accessed into the logistics financial service platform; the device comprises:
a financing request receiving module for receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
the warehousing record acquisition module is used for acquiring the warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity;
the first judgment module is used for judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
the collateral valuation module is used for valuing the collateral corresponding to the collateral information to obtain a valuation result if the first judgment result shows that the warehousing record contains the collateral information;
and the financing amount determining module is used for determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
In a third aspect, the present invention provides a block chain-based logistics financing device, which is applied to a logistics financial service platform, wherein the logistics financial service platform is at least connected to a warehouse logistics organization and a financial organization, and the device includes:
a communication unit/interface for receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
the processing unit/processor is used for acquiring the warehousing records of the applicant in the warehousing and logistics mechanism according to the user identity;
judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
if the first judgment result shows that the warehousing record contains the mortgage information, evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result;
and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
The present invention may also provide a computer storage medium, in which instructions are stored, and when the instructions are executed, the logistics financing method based on block chain is implemented.
Compared with the prior art, the logistics financing scheme based on the block chain is applied to a logistics financial service platform, and the logistics financial service platform is at least connected with a warehouse logistics mechanism and a financial mechanism through a block chain network. By receiving an applicant's financing request; acquiring a warehousing record of the applicant in a warehousing and logistics mechanism according to the user identity in the financing request; judging whether the warehousing records contain the mortgage information or not, if so, estimating the value of the mortgage corresponding to the mortgage information to obtain an estimation result; and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result. Through commodity circulation financial service platform, will store in a warehouse logistics service and financial service integrate, for the user carries out loan financing based on the storage goods to on establishing the credibility basis between storehouse logistics service institution and the financial institution, improve financing efficiency.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic view of an application scenario of block chain-based logistics financing provided by the present invention;
FIG. 2 is a schematic flow chart of a method for block chain-based logistics financing according to the present invention;
FIG. 3 is a schematic structural diagram of a block chain-based logistics financing device provided by the present invention;
fig. 4 is a schematic structural diagram of a logistics financing device based on a block chain according to the present invention.
Reference numerals:
110-a logistics financial service platform; 120-a warehouse logistics mechanism; 130-financial institutions.
Detailed Description
In order to facilitate clear description of technical solutions of the embodiments of the present invention, in the embodiments of the present invention, terms such as "first" and "second" are used to distinguish the same items or similar items having substantially the same functions and actions. For example, the first threshold and the second threshold are only used for distinguishing different thresholds, and the sequence order of the thresholds is not limited. Those skilled in the art will appreciate that the terms "first," "second," etc. do not denote any order or quantity, nor do the terms "first," "second," etc. denote any order or importance.
It is to be understood that the terms "exemplary" or "such as" are used herein to mean serving as an example, instance, or illustration. 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.
In the present invention, "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 combination, a and c combination, b and c combination, or a, b and c combination, wherein a, b and c can be single or multiple.
Next, a scheme provided by an embodiment of the present specification is explained with reference to the accompanying drawings:
in an actual application scenario, when a user performs financing, a guarantee or a mortgage needs to be provided, and when the mortgage is performed, the user may perform the mortgage based on a physical asset and a digital asset, where the digital asset may refer to a virtual asset of the user, for example: the user's personal photo video, edited document, personal medical record data, personal industry data and other data with file as carrier. Or the digital assets can be design drawings of the enterprise, contract orders, and any data related to various businesses that use the document as a carrier. While physical assets may include liquidity assets, which may include quick-action assets, which may represent assets that are immediately or soon converted to cash, including cash, bank deposits, securities, etc., as well as fixed assets, which may include raw materials, finished goods, semi-finished goods, etc. In this specification, a method for a user to mortgage financing based on goods stored in a warehouse logistics agency is mainly described. In the prior art, a user stores goods in a warehouse logistics mechanism, but when financing is performed, as a trust mechanism is not established between the warehouse logistics mechanism and a bank, the user needs to make a plurality of certification materials to prove that the warehouse goods belong to own assets, and the collateral cannot be supervised by the financing in the later period.
In addition, with the rapid development of economy and electronic commerce, the logistics industry is also developed rapidly, and the effective management of the logistics business is naturally concerned by all areas. However, the current logistics business is usually operated by a specific logistics platform in full authority, so that the risks of false logistics business and false waybill exist, and the continuous and stable development of the logistics industry is not facilitated.
Based on the defects, the logistics financing scheme based on the block chain provided by the invention can integrate warehouse logistics and financial services, loan financing is carried out on stored goods for users, the reliability between a warehouse logistics institution and a financial institution can be established, the warehouse logistics institution can be supervised through a logistics financial service platform, and the storage and transportation information of all goods can be monitored.
Next, a specific explanation can be made based on the examples provided in this specification:
fig. 1 is a schematic view of an application scenario of block chain-based logistics financing provided by the present invention. As shown in fig. 1, the logistics financial services platform 110, the warehouse logistics institution 120 and the financial institution 130 are included. The logistics financial service platform 110, the warehouse logistics mechanism 120 and the financial mechanism 130 are connected through the block chain network, the user can perform storage and transportation in the warehouse logistics mechanism 120, the information of goods stored in the warehouse logistics mechanism 120 by the user and the state information of the goods in the later period can be recorded in the block chain network, when the user is stored and acquired in the warehouse logistics mechanism 120, the binding relationship between the user and the corresponding goods can be established, and the binding relationship can be stored in the block chain network. The user can later apply for financing to a financial institution 130 (e.g. a bank) through the logistics financial service platform 110, and the bank can also check the goods warehousing records or the logistics transportation information records of the financing applicant through the logistics financial service platform 110 to determine the application qualification and the application amount of the financing applicant, thereby completing financing for the user.
Further, the present invention can be explained in detail based on the following embodiments:
fig. 2 is a schematic flow chart of the logistics financing method based on the blockchain according to the present invention. The method is applied to a logistics financial service platform, and the logistics financial service platform is at least connected with a warehouse logistics mechanism and a financial mechanism through a block chain network. From the program perspective, the execution subject of the process may be an application service cluster corresponding to the logistics financial service platform. One or more application services may be included in the server cluster, and the application services may have data interaction with the blockchain network or may be deployed in the blockchain network.
As shown in fig. 2, the process may include the following steps:
step 210: receiving a financing request of an applicant; the financing request at least comprises the user identification of the applicant and the collateral information.
Financing, which may represent the activity and process of fund raising for an enterprise. The act of financing or crediting funds in the financial market by a party may refer to a business activity in which an enterprise finances funds in a financial institution or financial intermediary by various means. When financing, users are required to provide a guarantee or collateral.
In a practical application scenario, it can be understood that the applicant is a user registered in the logistics financial service platform, and the user initiates a financing request through the logistics financial service platform, where the financing request may include a user identity of the applicant and collateral information. In some cases, information such as the amount of financing that the applicant wishes to finance may also be included in the financing request.
Step 220: and acquiring the warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity.
Further, before acquiring the warehousing record of the applicant in the warehouse logistics institution according to the user identity, the method may further include:
establishing binding relationship information between the goods identification of each goods in the warehouse logistics mechanism and the user identification of the goods owner;
storing the binding relationship information in the blockchain network;
the obtaining of the warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity may specifically include:
and acquiring a goods identifier corresponding to the user identity identifier of the applicant based on the binding relationship information according to the user identity identifier, and acquiring a warehousing record of goods corresponding to the goods identifier in the warehousing and logistics mechanism.
The blockchain is a technical scheme for collectively maintaining a reliable database in a decentralized and distrust-free mode, and has the characteristics of decentralized, distributed storage, encryption and traceability. Due to the use of distributed accounting and storage, centralized hardware or management mechanisms do not exist, the rights and obligations of any node are equal, and data blocks in the system are commonly maintained by nodes with maintenance functions in the whole system. Digital currency transactions or other data can be securely stored, the information cannot be forged and tampered, and the transaction confirmation on the blockchain is jointly completed by all nodes on the blockchain.
Based on the characteristics of decentralization, non-tamper property and public transparency and traceability of the block chain, the related information of each cargo in the warehouse logistics agency can be stored in the block chain. The affiliations of individual shipments with the owner of the shipment may also be stored in the blockchain network. The affiliation may represent the owner to whom the goods is affiliated. Each good has an owner to whom it belongs. The goods have goods sign, and all parties also have self user identity sign, and the goods sign correspondence has self storage record. According to the affiliation relationship between the goods and the goods owner, the binding relationship information between the goods identifier and the user identity identifier of the goods owner can be established. And storing the binding relationship information in the blockchain network for convenient query.
Step 230: and judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result.
In practical application scenarios, it is necessary to determine whether the mortgage provided by the applicant belongs to the applicant, so as to avoid the loss of the assets of other people caused by the mortgage performed by the applicant using the assets of other people as the mortgage. Therefore, before evaluating the mortgage, it is necessary to determine whether all the parties of the mortgage are applicants, if so, evaluate the mortgage, otherwise, refuse the financing request of the applicant.
In addition, when applying for financing, the applicant can obtain all the information stored in the warehouse logistics mechanism as collateral objects for carrying out collateral financing, and can also select one or more goods for carrying out collateral financing, and the arrangement can be carried out according to actual requirements, and the description is not limited specifically.
Step 240: and if the first judgment result shows that the storage record contains the mortgage information, evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result.
Optionally, the estimating of the mortgage corresponding to the mortgage information to obtain an estimation result may specifically include:
obtaining value related information of the mortgage; the value related information at least comprises warehouse receipt information and freight receipt information of the mortgage and credible market value list information corresponding to the mortgage;
and based on the value-related information, carrying out valuation on the mortgage substance to obtain a valuation result.
Valuation may represent a prediction of the value of a collateral, in which case the goods may be valued based on multiple dimensions, such as: market pricing of the goods, raw material price of the goods, and information of the manifest; or may be estimated based on the price uniformity of the good. The operation of evaluating the mortgage can be executed by a financial institution or a logistics financial service platform. Valuation of goods requires knowledge of the value of the goods on the market and the conditions within the market, and therefore requires an assessment analysis of supply and invoice prices, such as: the goods are tires, and the value of the goods can be evaluated according to the price of the rubber when the price of the tires is unknown. Data can also be captured periodically and provided to financial institutions, which perform value evaluation according to the data, such as: the futures code may be invoked through an open data interface. Of course, the financial institution may also have a corresponding price reference sheet, which is entered in the logistics financial service platform, and the platform may automatically analyze the price.
Step 250: and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
The evaluation result is not necessarily equal to the actual applicable amount, and in the actual calculation process, the corresponding relation between the mortgage material value and the financable amount can be determined according to a certain proportion calculation mode.
The method in fig. 2 is applied to a logistics financial service platform, in which at least a warehouse logistics institution and a financial institution are accessed through a block chain network. By receiving an applicant's financing request; acquiring a warehousing record of the applicant in a warehousing and logistics mechanism according to the user identity in the financing request; judging whether the warehousing records contain the mortgage information or not, if so, estimating the value of the mortgage corresponding to the mortgage information to obtain an estimation result; and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result. Through logistics financial service platform, with storage logistics service and financial service integration, for the user loan financing based on the storage goods to on establishing the credibility basis between warehouse logistics organization and the financial institution, improve financing efficiency.
Based on the method of fig. 2, the embodiments of the present specification also provide some specific implementations of the method, which are described below.
Optionally, before acquiring the warehousing record of the applicant in the warehousing and logistics institution according to the user identity, the method may further include:
judging whether the applicant has a warehousing record in the warehousing and logistics mechanism or not based on the user identity to obtain a second judgment result;
if the second judgment result shows that the applicant has a warehousing record in the warehousing and logistics mechanism, acquiring the warehousing record of the applicant in the warehousing and logistics mechanism;
and if the second judgment result indicates that the applicant does not have a warehousing record in the warehousing and logistics institution, refusing the financing request of the applicant.
When the logistics financial service platform receives a financing request, before judging whether a collateral object belongs to an applicant, whether the applicant has a warehousing record in a warehousing logistics mechanism or not can be judged, namely whether the logistics financial service platform can inquire the goods warehousing record of the applicant or not can be judged, if the warehousing record exists, the existence of goods which can be collateral for the applicant can be determined, otherwise, the applicant can be considered to have no collateral goods and the financing request can be rejected. When the applicant does not have the storage record, the mortgage corresponding to the mortgage information in the applicant financing request can be deduced not to belong to the applicant.
Further, the collateral information in this specification may be some or all of the goods information stored by the applicant in the warehouse logistics institution; the warehousing records are stored in a blockchain network, and the warehousing records can be used for determining the property right attribution information of the mortgage.
In practical applications, there may be a variety of situations, for example: the user A applies for financing, at the moment, the user A can not submit the mortgage information, and at the moment, the default applicant mortgages all goods stored in the warehouse logistics mechanism as the mortgage. The user a may also designate one or more of the goods stored in the warehouse logistics organization to be mortared as mortgages.
Based on logistics financial service platform, in the financing process or after the financing is completed, the mortgage can be monitored, and in the monitoring of the financing process, the actual state of the mortgage can be determined, for example: whether actually stored in a warehouse logistics organization, whether moved, etc., to ensure the stability of the mortgage cargo. After financing is completed, the monitoring of the collateral is performed to ensure that the collateral is in a stable state before the payment is made by the user.
Specifically, after determining the financing amount that the applicant can apply for according to a preset calculation manner based on the evaluation result, the method may further include:
completing financing for the applicant according to the financing amount based on the financing request of the applicant, and generating financing information; the financing information at least comprises user identification information of the applicant, mortgage information of the mortgage and the financing amount;
storing the financing information in the blockchain network.
The block chain network can also store the right transfer information of the goods in the warehouse logistics mechanism. The information of the transfer of the object weight of the goods can be stored in the block chain network, and the determination of the object weight can be determined through the digital signature of the block chain. In addition, when the ownership of the property right is transferred, the transfer record and the new ownership of the property right can be updated in time and stored in an uplink manner.
Further, when monitoring the mortgage, the following method steps can be adopted:
optionally, after the financing request based on the applicant completes financing for the applicant according to the financing amount and generates financing information, the method may further include:
the logistics financial service platform monitors the state information of the mortgage through a camera; the state information comprises a normal state or an abnormal state; the normal state includes normal variations of the collateral,
when the state information is in an abnormal state, generating alarm information, and sending the alarm information and the abnormal change information of the mortgage to the financial institution; the financial institution can also actively inquire the goods state of the mortgage;
and when the mortgage is changed normally, the logistics financial service platform sends the change information of the mortgage to the financial institution.
The financial institution can also have a corresponding account number, and can log in the logistics financial service platform to check the change state of the mortgage and the image information of the mortgage in the warehouse. The property right information of the mortgage and the financing information of the mortgage need to be linked in order to prevent different applicants from carrying out loan financing to different banks based on the same mortgage. The AI algorithm is combined with a neural network, hardware equipment (a camera, an intelligent warehouse, a public machine and the like) divides the warehouse area position, the camera is called on line, the position of the stereoscopic warehouse is checked, the position mark is carried out, the warehouse area position of the goods storage can be determined when the goods are stored, and the goods at which warehouse area position is used for mortgage can be known when the goods are in a warrant. After the bank passes through, the mortgage can not remove, has fork truck or personnel to get into, will send the early warning, and corresponding early warning information can all be received to financial institution and storage logistics agency. When the camera shoots continuous videos, video or image screenshots can be carried out, so that whether goods are adjusted or not is determined, and the rights of things are controlled. The image information is stored in a local industrial personal computer or the local storage of the AI, and the AI can automatically call the stored data for analysis. The change time of the goods, the changed goods in the preset time, other change information of the goods and the like can be checked. The financial institution has the right to monitor the condition of the mortgage object during the financing/loan period (for example, video monitoring), the financial institution can log in the logistics financial service platform by itself to perform video viewing on the mortgage object, and sends reminding information to the loan party and the storage party when the mortgage object is abnormal, so that the property right is controlled, and the financial institution can also passively receive monitoring information, for example: the logistics financial service platform monitors the mortgage in real time, sends monitoring information to the financial institution, and automatically sends abnormal information when the mortgage is abnormal.
It should be noted that, in the present invention, both the data stored in the uplink and the data to be transmitted can be encrypted, so as to increase the security, for example: in the data transmission process, the public key of the data receiving party can be used for encrypting the transmission data, the encrypted transmission data is sent to the data receiving party, and the data receiving party can use the private key of the data receiving party to decrypt the data after receiving the data to obtain the decrypted data, so that the data is prevented from being leaked in the transmission process.
Based on the same idea, the embodiment of the specification further provides a block chain logistics financial device. Fig. 3 is a schematic structural diagram of a logistics financing device based on a block chain according to the present invention. As shown in fig. 3, may include:
a financing request receiving module 310 for receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
a warehousing record obtaining module 320, configured to obtain a warehousing record of the applicant in the warehousing and logistics institution according to the user identity;
the first judging module 330 is configured to judge whether the warehousing record includes the mortgage information, so as to obtain a first judgment result;
the collateral evaluation module 340 is configured to evaluate a collateral corresponding to the collateral information to obtain an evaluation result if the first determination result indicates that the warehousing record includes the collateral information;
and a financing amount determining module 350, configured to determine, based on the evaluation result, a financing amount that the applicant can apply for in a preset calculation manner.
Based on the apparatus in fig. 3, there are some implementation modules, which are described below:
optionally, the apparatus may further include:
the second judgment module is used for judging whether the applicant has a storage record in the storage logistics mechanism or not based on the user identity so as to obtain a second judgment result; if the second judgment result shows that the applicant has a warehousing record in the warehousing and logistics mechanism, acquiring the warehousing record of the applicant in the warehousing and logistics mechanism;
a financing request refusing module, configured to refuse the financing request of the applicant if the second determination result indicates that the applicant does not have a warehousing record in the warehousing and logistics institution.
Optionally, the collateral information may be some or all of the information of the goods stored by the applicant in the warehouse logistics institution; the warehouse records may be stored in a blockchain network, and the warehouse records may be used to determine ownership information for the collateral.
Optionally, the collateral evaluation module 340 may specifically include:
a value-related information acquisition unit configured to acquire value-related information of the collateral; the value related information at least comprises warehouse receipt information and freight receipt information of the mortgage and credible market value list information corresponding to the mortgage;
and the estimation unit is used for estimating the mortgage object based on the value related information to obtain an estimation result.
Optionally, the apparatus may further include:
the financing module is used for completing financing for the applicant according to the financing amount and generating financing information based on the financing request of the applicant; the financing information at least comprises user identification information of the applicant, mortgage information of the mortgage and the financing amount;
and the financing information storage module is used for storing the financing information in the block chain network.
Optionally, the apparatus may further include:
the monitoring module is used for monitoring the state information of the mortgage objects by the logistics financial service platform through a camera; the state information comprises a normal state or an abnormal state; the normal state includes normal variations of the collateral,
the alarm information generating module is used for generating alarm information when the state information is in an abnormal state, and sending the alarm information and the abnormal change information of the mortgage to the financial institution;
and the alarm information sending module is used for sending the change information of the mortgage to the financial institution by the logistics financial service platform when the mortgage changes normally.
Optionally, the apparatus further includes:
the system comprises a binding relation information establishing module, a storage logistics mechanism and a control module, wherein the binding relation information establishing module is used for establishing binding relation information between the goods identification of each goods in the storage logistics mechanism and the user identity identification of the goods owner;
a binding relationship information storage module, configured to store the binding relationship information in the blockchain network;
the storage record obtaining module 320 may be specifically configured to:
and acquiring a goods identifier corresponding to the user identity identifier of the applicant based on the binding relationship information according to the user identity identifier, and acquiring a warehousing record of goods corresponding to the goods identifier in the warehousing and logistics mechanism.
Based on the same idea, the embodiment of the specification further provides logistics financing equipment based on the block chain. Fig. 4 is a schematic structural diagram of a logistics financing device based on a block chain according to the present invention. The method can comprise the following steps:
a communication unit/interface for receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
the processing unit/processor is used for acquiring the warehousing records of the applicant in the warehousing and logistics mechanism according to the user identity;
judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
if the first judgment result shows that the warehousing record contains the mortgage information, evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result;
and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
As shown in fig. 4, the terminal device may further include a communication line. The communication link may include a path for transmitting information between the aforementioned components.
Optionally, as shown in fig. 4, the terminal device may further include a memory. The memory is used for storing computer-executable instructions for implementing the inventive arrangements and is controlled by the processor for execution. The processor is used for executing the computer execution instructions stored in the memory, thereby realizing the method provided by the embodiment of the invention.
As shown in fig. 4, the memory may be a read-only memory (ROM) or other types of static storage devices that can store static information and instructions, a Random Access Memory (RAM) or other types of dynamic storage devices that can store information and instructions, an electrically erasable programmable read-only memory (EEPROM), a compact disc read-only memory (CD-ROM) or other optical disc storage, optical disc storage (including compact disc, laser disc, optical disc, digital versatile disc, blu-ray disc, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory may be separate and coupled to the processor via a communication link. The memory may also be integral to the processor.
Optionally, the computer execution instruction in the embodiment of the present invention may also be referred to as an application program code, which is not specifically limited in the embodiment of the present invention.
In particular implementations, as one embodiment, as shown in FIG. 4, a processor may include one or more CPUs, such as CPU0 and CPU1 in FIG. 4.
In one embodiment, as shown in fig. 4, the terminal device may include a plurality of processors, such as the processor in fig. 4. Each of these processors may be a single core processor or a multi-core processor.
Based on the same idea, an embodiment of the present specification further provides a computer storage medium corresponding to the foregoing embodiment, where the computer storage medium is applied to a logistics financial service platform, the logistics financial service platform is at least connected to a warehouse logistics organization and a financial organization through a blockchain network, and the computer storage medium stores instructions, and when the instructions are executed, the computer storage medium implements:
receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
acquiring a warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity;
judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
if the first judgment result shows that the storage record contains the mortgage information, estimating the mortgage corresponding to the mortgage information to obtain an estimation result;
and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
The above description mainly introduces the scheme provided by the embodiment of the present invention from the perspective of interaction between the modules. It is understood that each module, in order to implement the above functions, includes a corresponding hardware structure and/or software unit for performing each function. Those of skill in the art will readily appreciate that the present invention can be implemented in hardware or a combination of hardware and computer software, with the exemplary elements and algorithm steps described in connection with the embodiments disclosed herein. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. 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 invention.
The functional modules may be divided according to the above method examples, for example, the functional modules may be divided corresponding to the functions, or two or more functions may be integrated into one processing module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. It should be noted that, the division of the modules in the embodiment of the present invention is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
The processor in this specification may also have the function of a memory. The memory is used for storing computer-executable instructions for implementing the inventive arrangements and is controlled by the processor for execution. The processor is used for executing the computer execution instructions stored in the memory, thereby realizing the method provided by the embodiment of the invention.
The memory may be, but is not limited to, a read-only memory (ROM) or other type of static storage device that may store static information and instructions, a Random Access Memory (RAM) or other type of dynamic storage device that may store information and instructions, an electrically erasable programmable read-only memory (EEPROM), a compact disk read-only memory (CD-ROM) or other optical disk storage, optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory may be separate and coupled to the processor via a communication link. The memory may also be integral to the processor.
Optionally, the computer-executable instructions in the embodiment of the present invention may also be referred to as application program codes, which is not specifically limited in this embodiment of the present invention.
The method disclosed by the embodiment of the invention can be applied to a processor or realized by the processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The processor may be a general purpose processor, a Digital Signal Processor (DSP), an ASIC, an FPGA (field-programmable gate array) or other programmable logic device, discrete gate or transistor logic device, or discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
In one possible implementation manner, a computer-readable storage medium is provided, in which instructions are stored, and when executed, the instructions are used to implement the logic operation control method and/or the logic operation reading method in the foregoing embodiments.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instructions are loaded and executed on a computer, the procedures or functions described in the embodiments of the present invention are performed in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, a terminal, a user device, or other programmable apparatus. The computer program or instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer program or instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire or wirelessly. The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server, data center, etc. that integrates one or more available media. The usable medium may be a magnetic medium, such as a floppy disk, a hard disk, a magnetic tape; or an optical medium, such as a Digital Video Disc (DVD); it may also be a semiconductor medium, such as a Solid State Drive (SSD).
While the invention has been described in connection with various embodiments, other variations to the disclosed embodiments can be understood and effected by those skilled in the art in practicing the claimed invention, from a review of the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other elements or steps, and the word "a" or "an" does not exclude a plurality. A single processor or other unit may fulfill the functions of several items recited in the claims. The mere fact that certain measures are recited in mutually different dependent claims does not indicate that a combination of these measures cannot be used to advantage.
While the invention has been described in conjunction with specific features and embodiments thereof, it will be evident that various modifications and combinations can be made thereto without departing from the spirit and scope of the invention. Accordingly, the specification and figures are merely exemplary of the invention as defined in the appended claims and are intended to cover any and all modifications, variations, combinations, or equivalents within the scope of the invention. It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A logistics financing method based on a block chain is characterized in that the logistics financing method based on the block chain is applied to a logistics financial service platform, and the logistics financial service platform is at least connected with a storage logistics mechanism and a financial mechanism through a block chain network; the method comprises the following steps:
receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
acquiring a warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity;
judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
if the first judgment result shows that the warehousing record contains the mortgage information, evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result;
and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
2. The method according to claim 1, wherein said obtaining the warehousing record of the applicant in the warehousing and logistics institution according to the user identity further comprises:
judging whether the applicant has a warehousing record in the warehousing and logistics mechanism or not based on the user identity to obtain a second judgment result;
if the second judgment result shows that the applicant has a warehousing record in the warehousing and logistics mechanism, acquiring the warehousing record of the applicant in the warehousing and logistics mechanism;
and if the second judgment result indicates that the applicant does not have a warehousing record in the warehousing and logistics institution, refusing the financing request of the applicant.
3. The method of claim 1, wherein the collateral information is some or all of the goods information stored by the applicant in the warehouse logistics agency; the warehousing records are stored in a block chain network, and the warehousing records are used for determining the property right attribution information of the mortgage.
4. The method of claim 1, wherein evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result comprises:
obtaining value related information of the mortgage; the value related information at least comprises warehouse receipt information and freight receipt information of the mortgage and credible market value list information corresponding to the mortgage;
and estimating the value of the mortgage object based on the value-related information to obtain an estimation result.
5. The method of claim 1, wherein after determining the financing amount that the applicant can apply in a predetermined calculation manner based on the evaluation result, the method further comprises:
completing financing for the applicant according to the financing amount based on the financing request of the applicant, and generating financing information; the financing information at least comprises user identification information of the applicant, mortgage information of the mortgage and the financing amount;
storing the financing information in the blockchain network.
6. The method of claim 5, wherein after completing financing for the applicant in accordance with the financing amount and generating financing information based on the financing request of the applicant, further comprising:
the logistics financial service platform monitors the state information of the mortgage through a camera; the state information comprises a normal state or an abnormal state; the normal state includes normal variations of the collateral,
when the state information is in an abnormal state, generating alarm information, and sending the alarm information and the abnormal change information of the mortgage to the financial institution;
and when the mortgage is changed normally, the logistics financial service platform sends the change information of the mortgage to the financial institution.
7. The method according to claim 1, wherein said obtaining the warehousing record of the applicant in the warehousing and logistics institution according to the user identity further comprises:
establishing binding relationship information between the goods identification of each goods in the warehouse logistics mechanism and the user identification of the goods owner;
storing the binding relationship information in the blockchain network;
the acquiring, according to the user identity, the warehousing record of the applicant in the warehousing and logistics institution specifically includes:
and acquiring a goods identifier corresponding to the user identity identifier of the applicant based on the binding relationship information according to the user identity identifier, and acquiring a warehousing record of goods corresponding to the goods identifier in the warehousing and logistics mechanism.
8. A logistics financing device based on a block chain is characterized in that the device is applied to a logistics financial service platform, and the logistics financial service platform is at least connected with a warehouse logistics mechanism and a financial mechanism through a block chain network; the device comprises:
a financing request receiving module for receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
the warehousing record acquisition module is used for acquiring the warehousing record of the applicant in the warehousing and logistics mechanism according to the user identity;
the first judgment module is used for judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
the collateral valuation module is used for valuing the collateral corresponding to the collateral information to obtain a valuation result if the first judgment result shows that the warehousing record contains the collateral information;
and the financing amount determining module is used for determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
9. The utility model provides a commodity circulation financing equipment based on block chain, its characterized in that, equipment is applied to commodity circulation financial service platform, in the commodity circulation financial service platform through the block chain network at least accessed storage logistics institution and financial institution, equipment includes:
a communication unit/interface for receiving a financing request of an applicant; the financing request at least comprises the user identity of the applicant and the collateral information;
the processing unit/processor is used for acquiring the warehousing records of the applicant in the warehousing and logistics mechanism according to the user identity;
judging whether the warehousing records contain the mortgage information or not to obtain a first judgment result;
if the first judgment result shows that the warehousing record contains the mortgage information, evaluating the mortgage corresponding to the mortgage information to obtain an evaluation result;
and determining the financing amount which can be applied by the applicant according to a preset calculation mode based on the estimation result.
10. A computer storage medium having stored therein instructions that, when executed, implement the blockchain-based logistics financing method according to any one of claims 1 to 7.
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