CN114897598A - Block chain asset transfer financing method and device based on cross-chain technology and storage medium - Google Patents

Block chain asset transfer financing method and device based on cross-chain technology and storage medium Download PDF

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CN114897598A
CN114897598A CN202210489188.5A CN202210489188A CN114897598A CN 114897598 A CN114897598 A CN 114897598A CN 202210489188 A CN202210489188 A CN 202210489188A CN 114897598 A CN114897598 A CN 114897598A
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钟礼斌
臧铖
陈嘉俊
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Yiqiyin Hangzhou Technology Co ltd
China Zheshang Bank Co Ltd
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Yiqiyin Hangzhou Technology Co ltd
China Zheshang Bank Co Ltd
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Abstract

The invention discloses a block chain asset transfer financing method, a block chain asset transfer financing device and a storage medium based on a cross-chain technology. The invention realizes asset data synchronization between heterogeneous block chains through a block chain cross-chain technology, ensures the safety and the authenticity in the data synchronization process between different block chains, and provides a block chain asset transfer financing method based on the cross-chain technology, thereby solving the problems of opaque bottom layer asset state and asynchronous data and effectively solving the problem of difficult financing of enterprises on the upstream and downstream of a supply chain.

Description

Block chain asset transfer financing method and device based on cross-chain technology and storage medium
Technical Field
The invention belongs to the field of computer systems and blockchain, and particularly relates to a blockchain asset transfer financing method, device and storage medium based on a cross-chain technology.
Background
With the continuous and deep progress of the supply-side reform and the development of industrial transformation, the bottleneck of difficult financing and expensive financing faced by small and medium-sized micro enterprises is gradually highlighted. Traditional supply chain finance faces many challenges: firstly, an information island exists on a supply chain, information systems among enterprises are not communicated, and the coordination cost is high; secondly, in the information interaction process, the authenticity confirmation of business documents such as trade information, account receivable information, contract information and the like needs complicated procedures, and the confirmation cost is high.
The block chain technology has the characteristics of non-falsification and traceable data on the chain, is suitable for supply chain financial business scenes with participation of multiple parties, can ensure the integrity and reliability of information by applying the block chain technology, and can effectively solve the trust and safety problems in the information interaction process. With the development of the block chain technology, many different types of chains appear, and due to the fact that block chains deployed by various enterprises are different, data interaction is difficult to perform effectively, and a block chain island is formed. Therefore, how to reach information interaction between chains through a cross-chain technology, realize data and value exchange, and provide real-line verification of bottom assets for supply chain financial scenes is a problem to be solved urgently.
Disclosure of Invention
The invention aims to provide a block chain asset transfer financing method, a block chain asset transfer financing device and a storage medium based on a cross-chain technology aiming at the defects of the prior art.
The purpose of the invention is realized by the following technical scheme: in a first aspect, the invention provides a method for financing the transfer of blockchain assets based on a cross-chain technology, which comprises the following steps:
(1) the core enterprise is provided with a first supply chain financial service platform A and a first block chain platform A ', and the financial institution is provided with a second supply chain financial service platform B and a second block chain platform B';
(2) the core enterprise signs the receivable debt right to the supplier and registers the debt right information to a first block chain platform A';
(3) the supplier pushes the held accounts receivable and debt right to a second supply chain financial service platform B through a first supply chain financial service platform A, the accounts receivable and debt right is selected to be transferred to a financial institution to obtain financing, and meanwhile, the first supply chain financial service platform A synchronously freezes the accounts receivable and debt right;
(4) the financial institution receives account receivable and debt right transfer information of a supplier, in order to verify transaction authenticity, a second supply chain financial service platform B initiates cross-chain inquiry transaction to a second block chain platform B ', the second block chain platform B ' forwards the cross-chain inquiry transaction to a cross-chain bridge, the cross-chain bridge completes protocol conversion and transaction routing and then forwards the cross-chain inquiry transaction to a first block chain platform A ', the first block chain platform A ' executes the cross-chain inquiry transaction and returns an inquiry result to the cross-chain bridge, the bridge returns a cross-chain result to the second block chain platform B ', the second block chain platform B ' receives the cross-chain inquiry result and registers an upper chain, and the second supply chain financial service platform B inquires the cross-chain transaction result to the second block chain platform B ' and completes account receivable and debt right information verification;
(5) and after the verification is passed, the financial institution completes the transfer of the accounts receivable and debt right and pays the financing money to the supplier.
Further, the first supply chain financial service platform A and the first block chain platform A' provide supply chain financial services for upstream and downstream enterprises of the supply chain, including the accounts receivable and debt right issuing, transferring and cashing services, and simultaneously provide chain deposit certificates of asset information and transaction information;
further, the second supply chain financial service platform B and the second block chain platform B' provide supply chain financial services for the enterprise, including receivable payment and debt right transfer, guarantee, payment services, and asset information and transaction information uplink deposit evidence.
Furthermore, the core enterprise and the supplier have business operation, the core enterprise signs the accounts receivable debt right to the supplier through the first supply chain financial business platform A, and registers the bond information to the first block chain platform A', and the supplier holds the accounts receivable debt right.
Further, the first supply chain service platform A of the core enterprise and the second supply chain service platform B of the financial institution realize data intercommunication in an api form.
Further, the frozen accounts receivable creditor status of the first supply chain financial transaction platform a is synchronously registered to the first blockchain platform a'.
Further, the financial institution receives account receivable and debt right transfer information of the supplier, and initiates a cross-chain inquiry transaction for verifying transaction authenticity, wherein the cross-chain inquiry transaction process comprises the following steps:
(4.1) the second supply chain financial services platform B holds a first blockchain key a and a second blockchain key B authenticated by the first blockchain platform a 'and the second blockchain platform B', the keys comprising a public and private key pair;
(4.2) the financial institution initiates a cross-chain inquiry transaction through a second supply chain financial service platform B, the second supply chain financial service platform B constructs the cross-chain inquiry transaction, and performs transaction signature by using private keys of a first block chain key a and a second block chain key B, and then sends the transaction signature to a second block chain platform B';
(4.3) the second blockchain platform B 'receives the cross-chain query transaction, conducts transaction check, uses a public key of a second blockchain secret key B to check the signature, uses a private key of the second blockchain platform B' to sign the cross-chain query transaction after the signature passes the check, and then calls a cross-chain contract to forward the cross-chain contract to the cross-chain bridge;
(4.4) after receiving the cross-chain query transaction, the cross-chain bridge connector firstly uses the public key of the second block chain platform B ' to check and sign, then verifies the existence and the legality of the transaction, carries out protocol conversion after the verification is passed, constructs the transaction conforming to the transaction format of the first block chain platform A ', and uses the private key of the cross-chain bridge connector to sign and then forwards the transaction to the first block chain platform A ';
(4.5) after receiving the cross-chain inquiry transaction, the first blockchain platform A 'checks the transaction, checks the signature by using a public key of the cross-chain bridge, performs transaction signature check by using a public key of the first blockchain secret key a after the signature check is passed, executes the cross-chain inquiry transaction after the signature check is passed, and sends transaction execution information to the cross-chain bridge after the signature check is passed by using a private key of the first blockchain platform A';
(4.6) the cross-chain bridge receives the transaction information returned by the first block chain platform A ', firstly, the public key of the first block chain platform A' is used for checking the signature, then, the transaction existence and the validity are verified, after the verification is passed, protocol conversion is carried out, a transaction conforming to the transaction format of the second block chain platform B 'is constructed, and the private key of the cross-chain bridge is used for signing and then is forwarded to the second block chain platform B';
(4.7) after receiving the transaction, the second blockchain platform B' checks the transaction, checks the signature by using a public key of the cross-chain bridge, and registers the cross-chain inquiry transaction result to a chain after the signature passes;
and (4.8) the financial institution initiates a query transaction to the second blockchain platform B' through the second supply chain financial service platform B to obtain a cross-chain query transaction result.
In a second aspect, the invention further provides a device for transferring financing for blockchain assets based on cross-chain technology, which comprises a memory and one or more processors, wherein the memory stores executable codes, and the processors are used for implementing the method for transferring financing for blockchain assets based on cross-chain technology when executing the executable codes.
In a third aspect, the present invention also provides a computer readable storage medium for storing one or more computer programs, the one or more computer programs comprising program code for performing the above-described blockchain asset transfer financing method based on cross-chain technology when the computer programs are run on a computer.
The invention has the beneficial effects that: the invention realizes asset data synchronization between heterogeneous block chains through a block chain cross-chain technology, ensures the safety and the authenticity in the data synchronization process between different block chains, and provides a block chain asset transfer financing method based on the cross-chain technology, thereby solving the problems of opaque bottom layer asset state and asynchronous data and effectively solving the problem of difficult financing of enterprises on the upstream and downstream of a supply chain.
Drawings
Fig. 1 is a schematic diagram of a method for financing an asset transfer across a blockchain according to an embodiment of the present invention.
Fig. 2 is a schematic cross-chain flow chart provided in the embodiment of the present invention.
Fig. 3 is a block diagram of a interbank chain asset transfer financing apparatus according to the present invention.
Detailed Description
The present invention will be described in further detail with reference to the following drawings and specific embodiments, it being understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Fig. 1 is a schematic diagram of a method for financing an asset transfer across a chain block chain according to an embodiment of the present invention, where the method includes:
(1) a supply chain financial service platform A and a block chain platform A' are established in a core enterprise, so that supply chain financial services such as account and credit right signing, transferring, cashing and the like of accounts receivable and debt are provided for upstream and downstream enterprises in a supply chain, and meanwhile, asset information and transaction information are linked and stored for evidence; the financial institution is provided with a supply chain financial service platform B and a block chain platform B' to provide supply chain financial services for enterprises, such as accounts receivable and debt right transfer, guarantee, payment and other services, and provide asset information and transaction information and chain deposit evidence;
(2) the core enterprise and the supplier have business, the core enterprise signs accounts receivable debt right to the supplier through the supply chain financial business platform, and registers the bond information into the block chain platform A', the supplier holds the accounts receivable debt right, and the supplier can transfer the held accounts receivable debt right to the subordinate supplier;
(3) the core enterprise supply chain business platform A and the financial institution supply chain business platform B realize data intercommunication in an api form, a supplier pushes the accounts receivable and debt right held by the supplier to the supply chain financial business platform B through the supply chain financial business platform A, the supplier selects to transfer the accounts receivable and debt right to the financial institution to obtain financing, meanwhile, the supply chain financial business platform A synchronously freezes the accounts receivable and debt right, and the frozen state of the accounts receivable and debt right is synchronously registered to the block chain platform A';
(4) the financial institution receives the account receivable and debt right transfer information, and initiates a cross-chain inquiry transaction to a block chain platform B' for verifying the authenticity of the transaction, wherein the whole cross-chain inquiry transaction process is shown in figure 2, and the steps comprise:
the supply chain financial service platform B holds block chain keys a and B authenticated by a block chain platform A 'and a block chain platform B', and the keys comprise public and private key pairs;
the supply chain financial service platform B constructs cross-chain inquiry transaction, uses private keys of the block chain keys a and B to perform transaction signature, and then sends the transaction signature to the block chain platform B';
the block chain platform B 'receives the cross-chain inquiry transaction, performs transaction processing, including transaction format check, signature verification by using a public key of the block chain key B, signs the transaction by using a private key of the block chain platform B' after the signature verification is passed, and then calls a cross-chain contract to forward the cross-chain contract to the cross-chain bridge;
the functions of the cross-chain bridge connector mainly comprise transaction signature verification, protocol conversion, transaction forwarding and time monitoring, after cross-chain transaction is received, firstly, a public key of a blockchain platform B ' is used for verifying the signature, then, transaction existence and validity are verified, after the verification is passed, protocol conversion is carried out, a transaction conforming to the transaction format of the blockchain platform A ' is constructed, and the signature is forwarded to the blockchain platform A ' after a private key of the cross-chain bridge connector is used for signing;
after receiving the cross-chain inquiry transaction, the block chain platform A 'processes the transaction, including transaction format check, signature verification by using a public key of the cross-chain bridge, transaction signature verification by using a public key of a block chain key a, executing service inquiry transaction after passing the signature verification, outputting a result and a log, and simultaneously sending transaction execution information to the cross-chain bridge after using a private key signature of the block chain platform A';
the cross-chain bridge receives the transaction information returned by the blockchain platform A ', firstly uses a public key of the blockchain platform A' to check and sign, then verifies the existence and the legality of the transaction, carries out protocol conversion after the verification is passed, constructs the transaction conforming to the transaction format of the blockchain platform B ', and uses a private key of the cross-chain bridge to sign and forwards the transaction information to the blockchain platform B';
after receiving the transaction, the block chain platform B' checks the transaction, checks the signature by using a public key of the cross-chain bridge, and registers the cross-chain result to the uplink after the signature passes;
the supply chain financial service platform B initiates a query transaction to the block chain platform B ', and the block chain platform B' calls a contract to perform query after receiving the cross-link result query transaction;
(5) and the supply chain financial platform B inquires to obtain a cross-chain transaction result, and performs authenticity verification on the cross-chain transaction result and the receivable and receivable debt information, and after the verification is passed, the financial institution pays financing money to the supplier.
The specific application embodiment is as follows:
(1) taking a certain pharmaceutical industry as an example, the pharmaceutical supply chain comprises a core enterprise a, a bank b and an upstream provider c which provide supply chain financial services, wherein the core enterprise is provided with a service platform A and a block chain platform A', and provides online services, such as account and debt right approving, transferring, cashing and other services, and simultaneously provides asset information and transaction information and uplink deposit certificate; a financial service platform B and a block chain platform B' are built in the bank B, so that financial services are provided for enterprises, such as accounts receivable and debt right transfer, guarantee, payment and other businesses, and asset information and transaction information are provided for uploading and storing certificates;
(2) the core enterprise a purchases a batch of medical raw materials from a supplier c, the core enterprise a issues accounts receivable debt rights to the supplier c through a service platform A, and registers bond information into a block chain platform A', the supplier c holds the accounts receivable debt rights, and the supplier can transfer the held accounts receivable debt rights to a subordinate supplier;
(3) the supplier c pushes the held accounts receivable debt right to a supply chain financial service platform B through the service platform A, the accounts receivable debt right is selected to be transferred to a bank B to obtain financing, meanwhile, the service platform A synchronously freezes the accounts receivable debt right, and the frozen state of the accounts receivable debt right is synchronously registered to the block chain platform A';
(4) and the bank B receives the account receivable debt right transfer information, initiates a cross-chain inquiry transaction to the block chain platform B' for verifying the transaction authenticity, the whole cross-chain inquiry transaction process is shown in figure 2, finally obtains a cross-chain transaction result through inquiry, performs authenticity verification on the cross-chain transaction result and the account receivable debt right information, and pays financing money to the supplier c after verification is passed.
By the block chain asset transfer financing method based on the cross-chain technology, data intercommunication between different block chains of the core enterprise a and the bank b is effectively achieved, authenticity check of accounts receivable debt right information generated by the core enterprise a and the supplier c is provided for the bank b, the problem of difficulty in auditing trade backgrounds in a traditional supply chain is solved, and the problem of difficulty in financing of enterprises is effectively solved.
Corresponding to the embodiment of the method for financing the transfer of the block chain assets based on the cross chain, the invention also provides an embodiment of a financing device for transferring the block chain assets based on the cross chain.
Referring to fig. 3, an apparatus for financing an asset transfer across a chain-based blockchain according to an embodiment of the present invention includes a memory and one or more processors, where the memory stores executable codes, and the processors execute the executable codes to implement a financing method for an asset transfer across a chain-based blockchain in the above embodiment.
Embodiments of the present invention based on cross-chain blockchain asset transfer financing devices may be applied to any data processing capable device, such as a computer or other like device or apparatus. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. The software implementation is taken as an example, and as a logical device, the device is formed by reading corresponding computer program instructions in the nonvolatile memory into the memory for running through the processor of any device with data processing capability. From a hardware aspect, as shown in fig. 3, a hardware structure diagram of any device with data processing capability where the device for transferring financing assets based on a block chain across a chain is located according to the present invention is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 3, in an embodiment, any device with data processing capability where the device is located may generally include other hardware according to the actual function of the any device with data processing capability, which is not described again.
The implementation process of the functions and actions of each unit in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.
For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the invention. One of ordinary skill in the art can understand and implement it without inventive effort.
Embodiments of the present invention further provide a computer-readable storage medium, on which a program is stored, where the program, when executed by a processor, implements the method for financing an inter-chain-based blockchain asset transfer in the above embodiments.
The computer readable storage medium may be an internal storage unit, such as a hard disk or a memory, of any data processing capability device described in any of the foregoing embodiments. The computer readable storage medium may also be any external storage device of a device with data processing capabilities, such as a plug-in hard disk, a Smart Media Card (SMC), an SD Card, a Flash memory Card (Flash Card), etc. provided on the device. Further, the computer readable storage medium may include both an internal storage unit and an external storage device of any data processing capable device. The computer-readable storage medium is used for storing the computer program and other programs and data required by the arbitrary data processing-capable device, and may also be used for temporarily storing data that has been output or is to be output.
The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.

Claims (9)

1. A block chain asset transfer financing method based on a cross-chain technology is characterized by comprising the following steps:
(1) the core enterprise is provided with a first supply chain financial service platform A and a first block chain platform A ', and the financial institution is provided with a second supply chain financial service platform B and a second block chain platform B';
(2) the core enterprise signs accounts receivable debt rights to the supplier, and registers the debt rights information to a first block chain platform A';
(3) the supplier pushes the held accounts receivable and debt right to a second supply chain financial service platform B through a first supply chain financial service platform A, the accounts receivable and debt right is selected to be transferred to a financial institution to obtain financing, and meanwhile, the first supply chain financial service platform A synchronously freezes the accounts receivable and debt right;
(4) the financial institution receives account receivable and debt right transfer information of a supplier, in order to verify transaction authenticity, a second supply chain financial service platform B initiates cross-chain inquiry transaction to a second block chain platform B ', the second block chain platform B ' forwards the cross-chain inquiry transaction to a cross-chain bridge, the cross-chain bridge completes protocol conversion and transaction routing and then forwards the cross-chain inquiry transaction to a first block chain platform A ', the first block chain platform A ' executes the cross-chain inquiry transaction and returns an inquiry result to the cross-chain bridge, the bridge returns a cross-chain result to the second block chain platform B ', the second block chain platform B ' receives the cross-chain inquiry result and registers an upper chain, and the second supply chain financial service platform B inquires the cross-chain transaction result to the second block chain platform B ' and completes account receivable and debt right information verification;
(5) and after the verification is passed, the financial institution completes the transfer of the accounts receivable and debt right and pays the financing money to the supplier.
2. The method for financing the trans-chain-based blockchain asset transfer according to claim 1, characterized in that the first supply chain financial transaction platform a and the first blockchain platform a' provide supply chain financial services for enterprises upstream and downstream of the supply chain, including accounts receivable and debt right issuing, transferring and cashing services, and provide asset information and transaction information and uplink deposit certificate.
3. The method as claimed in claim 1, wherein the second supply chain financial transaction platform B and the second blockchain platform B' provide supply chain financial services for enterprises, including receivable credit right transfer, guarantee and payment transaction, and provide upper chain deposit evidence for asset information and transaction information.
4. The method of claim 1, wherein the core enterprise performs an operation with the supplier, the core enterprise signs the debt receivable right to the supplier through the first supply chain financial service platform a, and registers the debt information to the first blockchain platform a', and the supplier holds the debt receivable right.
5. The method for financing the transfer of interbhain-based blockchain assets according to claim 1, wherein the first supply chain business platform A of the core enterprise and the second supply chain business platform B of the financial institution realize data intercommunication in an api form.
6. The method of claim 1, wherein the accounts receivable creditor status frozen by the first supply chain financial transaction platform a is synchronously registered with the first blockchain platform a'.
7. The method for financing the transfer of block chain assets based on the cross-chain as claimed in claim 1, wherein the financial institution receives the account receivable and debt right transfer information of the supplier, and initiates the cross-chain inquiry transaction for verifying the transaction authenticity, and the process of the cross-chain inquiry transaction comprises the following steps:
(4.1) the second supply chain financial services platform B holds a first blockchain key a and a second blockchain key B authenticated by the first blockchain platform a 'and the second blockchain platform B', the keys comprising a public and private key pair;
(4.2) the financial institution initiates a cross-chain inquiry transaction through a second supply chain financial service platform B, the second supply chain financial service platform B constructs the cross-chain inquiry transaction, and transaction signature is carried out by using private keys of a first block chain key a and a second block chain key B and then the transaction signature is sent to a second block chain platform B';
(4.3) the second blockchain platform B 'receives the cross-chain query transaction, conducts transaction check, uses a public key of a second blockchain secret key B to check the signature, uses a private key of the second blockchain platform B' to sign the cross-chain query transaction after the signature passes the check, and then calls a cross-chain contract to forward the cross-chain contract to the cross-chain bridge;
(4.4) after receiving the cross-chain query transaction, the cross-chain bridge connector firstly uses the public key of the second block chain platform B ' to check and sign, then verifies the existence and the legality of the transaction, carries out protocol conversion after the verification is passed, constructs the transaction conforming to the transaction format of the first block chain platform A ', and uses the private key of the cross-chain bridge connector to sign and then forwards the transaction to the first block chain platform A ';
(4.5) after receiving the cross-chain query transaction, the first blockchain platform A 'checks the transaction, checks the signature by using a public key of the cross-chain bridge, checks the signature by using the public key of the first blockchain secret key a after the signature passes, executes the cross-chain query transaction after the signature passes, signs the transaction execution information by using a private key of the first blockchain platform A', and sends the signature to the cross-chain bridge;
(4.6) the cross-chain bridge receives the transaction information returned by the first block chain platform A ', firstly, the public key of the first block chain platform A' is used for checking the signature, then, the transaction existence and the validity are verified, after the verification is passed, protocol conversion is carried out, a transaction conforming to the transaction format of the second block chain platform B 'is constructed, and the private key of the cross-chain bridge is used for signing and then is forwarded to the second block chain platform B';
(4.7) after receiving the transaction, the second blockchain platform B' checks the transaction, checks the signature by using a public key of the cross-chain bridge, and registers the cross-chain inquiry transaction result to a chain after the signature passes;
and (4.8) the financial institution initiates a query transaction to the second blockchain platform B' through the second supply chain financial service platform B to obtain a cross-chain query transaction result.
8. A device for financing transfer of blockchain assets based on cross-chain technology, comprising a memory and one or more processors, wherein the memory stores executable code, and the processors execute the executable code to realize the method for financing transfer of blockchain assets based on cross-chain technology according to any one of claims 1 to 7.
9. A computer readable storage medium storing one or more computer programs, the one or more computer programs comprising program code for performing the method for blockchain asset transfer financing based on cross-chain technology as claimed in any one of the preceding claims 1 to 7 when the computer program runs on a computer.
CN202210489188.5A 2022-05-06 2022-05-06 Block chain asset transfer financing method and device based on cross-chain technology and storage medium Pending CN114897598A (en)

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