CN115456769A

CN115456769A - Financing credit transmission method based on block chain system and block chain system

Info

Publication number: CN115456769A
Application number: CN202211275637.2A
Authority: CN
Inventors: 蒋海; 冉春龙
Original assignee: Bubi Beijing Network Technology Co ltd
Current assignee: Bubi Beijing Network Technology Co ltd
Priority date: 2022-10-18
Filing date: 2022-10-18
Publication date: 2022-12-09

Abstract

The present disclosure relates to a method for transferring financing credit based on a blockchain system and a blockchain system, which can improve the financing processing efficiency, and the blockchain system comprises: the method for applying the capital part nodes comprises the following steps of: receiving a financing request sent by a first enterprise node, wherein the financing request carries: a business identifier of the first business, a nominal associated core business of the first business, and a financing amount; verifying whether the first enterprise, the nominal association core enterprise and the financing amount are legal or not according to enterprise uplink information, enterprise association relation information and available credit granting information stored in an account book of the block chain system; the available credit information is bound with the enterprise association relation information of the core enterprise; and under the condition that the first enterprise, the nominal association core enterprise and the financing amount are legal, funds are issued to the first enterprise node, and the available credit information is updated.

Description

Financing credit transmission method based on block chain system and block chain system

Technical Field

The disclosure relates to the field of blockchain and financial technology, and in particular to a method for financing credit transfer based on a blockchain system and the blockchain system.

Background

In the supply chain system, an enterprise upstream and downstream of the enterprise has a transaction relationship with the enterprise, such as purchasing, selling, transporting and the like. At present, for enterprise financing, a sponsor such as a bank or other financial institution generally gives credit and release for only some core enterprises with stable economic strength.

In the related art, there is a need for some upstream and downstream enterprises having a relationship with the core enterprise (e.g., suppliers for some core enterprises) to conduct financing by means of credit guarantees of the core enterprise.

Disclosure of Invention

To solve or at least partially solve the technical problems found in: at present, a trust mechanism for financing upstream and downstream enterprises is complex, the trust of the core enterprise is transferred to the upstream and downstream enterprises in a mode of providing online or offline signed contracts or bills related to the core enterprise and circulating and checking among the core enterprise, the upstream and downstream enterprises and a sponsor, and the problems of long financing time consumption and low processing efficiency caused by complicated trust flow exist in the mode; the embodiment of the disclosure provides a method for financing credit transfer based on a block chain system and the block chain system.

In a first aspect, embodiments of the present disclosure provide a method for financing credit transfer based on a blockchain system. The block chain system comprises: the method is applied to the fund side node. The method comprises the following steps: receiving a financing request sent by a first enterprise node, wherein the financing request carries: a business identifier of a first business, a nominal associated core business of the first business, and a financing amount; verifying whether the first enterprise, the nominally associated core enterprise and the financing amount are legal or not according to enterprise uplink information, enterprise association relation information and available credit information stored in an account book of the block chain system; the available credit granting information is bound with the enterprise association relation information of the core enterprise; and issuing funds to the first enterprise node and updating the available credit information when the first enterprise, the nominally associated core enterprise, and the financing amount are all legitimate.

According to an embodiment of the present disclosure, verifying whether the first enterprise, the nominally associated core enterprise, and the financing amount are legal according to the enterprise uplink information, the enterprise association relationship information, and the available credit information stored in the book of the blockchain system includes: verifying the authenticity of the first enterprise according to the enterprise uplink information and the enterprise identification of the first enterprise; determining that the first enterprise is legal under the condition that the authenticity verification of the first enterprise is passed; inquiring whether the association relationship between the first enterprise and the nominal association core enterprise exists or not according to the enterprise association relationship information; determining that the nominal associated core enterprise is legal under the condition that the association relationship exists; inquiring a target available credit line corresponding to the nominal association core enterprise according to the available credit information; determining whether the financing amount is lower than the target available credit line; and determining that the financing amount is legal when the financing amount is lower than the target available credit line.

According to an embodiment of the present disclosure, the uplink information of the upstream and downstream enterprises includes: the financial information and the level information of the credible enterprises of the upstream and downstream enterprises are obtained; the credible enterprise financial information is the enterprise financial information after the common signature verification of the upstream and downstream enterprises and the fund party is passed; the trusted enterprise hierarchy information is enterprise hierarchy information after the verification of the common signature of the upstream and downstream enterprises and the upstream and downstream enterprises is passed, and the enterprise hierarchy information is hierarchy information of the upstream and downstream enterprises in the supply chain of the core enterprise and indicates the degree of affinity and sparseness of the relationship between the upstream and downstream enterprises and the core enterprise. In a case where the first enterprise, the nominally associated core enterprise, and the financing amount are all legitimate, issuing funds to the first enterprise node and updating the available credit information, comprising: determining a withdrawal reference limit of the first enterprise according to the credible enterprise financial information and credible enterprise level information of the first enterprise under the condition that the first enterprise, the nominal associated core enterprise and the financing amount are legal, wherein the withdrawal reference limit is smaller than the target available credit limit; and issuing funds to the first enterprise node according to the smaller one of the loan reference amount and the financing amount, and updating the available credit information.

According to the embodiment of the disclosure, the credit line in the available credit information is shared between the core enterprise and the target upstream and downstream enterprises which have an association relationship with the core enterprise; according to the smaller one of the loan reference amount and the financing amount, funds are issued to the first enterprise node, and the available credit information is updated, wherein the steps of: determining the smaller of the loan reference limit and the financing amount; dispensing funds to said first enterprise node in an amount matching said smaller one; and deducting the amount value corresponding to the fund from the available credit information of the nominal associated enterprise to obtain updated available credit information.

According to an embodiment of the present disclosure, the method further includes: receiving authenticated and encrypted trusted enterprise information respectively broadcast by the core enterprise node and the upstream and downstream enterprise nodes; storing the encrypted trusted enterprise information into an account book of the block chain system to obtain enterprise uplink information of the core enterprise node and the upstream and downstream enterprise nodes; receiving a transmission request of available credit information sent by the core enterprise node; verifying the available credit granting information to obtain a transmission approval result; and triggering the credit granting transmission operation of the intelligent contract when the transmission approval result is passed: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

According to an embodiment of the present disclosure, the enterprise association relationship information stored in the ledger of the block chain system is obtained by: after the core enterprise node and the upstream and downstream enterprise nodes form a construction consensus on the association certificate and the association relation to be constructed, triggering association and evidence storage operation of the intelligent contract: generating enterprise association relation information, and storing the association certificate and the enterprise association relation information into an account book of the block chain system; the available credit granting information stored in the account book of the block chain system is obtained by the following method: after the core enterprise node and the fund side node form a transfer consensus on the available credit information of the core enterprise node, triggering credit transfer operation of an intelligent contract: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

According to an embodiment of the present disclosure, the access right of the uplink information of the enterprise stored in the ledger is configured to: the enterprise to which the enterprise uplink information belongs has access authority, a target fund side node for financing treatment has access authority, and other non-affiliated enterprises of the enterprise uplink information do not have access authority; the access authority of the enterprise association relation information stored in the account book is configured to: the enterprise main body related to the enterprise association relation information has access authority, a target fund side node for financing processing has access authority, and the enterprise main body unrelated to the enterprise association relation information does not have access authority; the access authority of the available credit information stored in the account book is configured to: the core enterprise to which the authorization information can be attributed has access rights, the target upstream and downstream enterprises which have an association relationship with the core enterprise to which the authorization information can be attributed have access rights, the target fund side node for financing has access rights, and the upstream and downstream enterprises which do not establish an association relationship with the core enterprise to which the authorization information can be attributed have no access rights.

According to an embodiment of the present disclosure, the enterprise uplink information of the fund party includes: the credible enterprise identity information and the enterprise identification of the fund party; the enterprise uplink information of the core enterprise includes: the credible enterprise identity information, the credible enterprise financial information and the enterprise identification of the core enterprise; the enterprise uplink information of the upstream and downstream enterprises includes: the credible enterprise identity information, the credible enterprise financial information, the credible enterprise level information and the enterprise identification of the upstream and downstream enterprises are obtained.

According to an embodiment of the present disclosure, the enterprise association relationship information is in the form of a relationship graph about core enterprises, each enterprise in the relationship graph is a node of a tree structure, association relationships between enterprises are represented by connecting edges of the tree structure, and the enterprises include the core enterprise and the upstream and downstream enterprises.

In a second aspect, embodiments of the present disclosure provide a method for financing credit transfer based on a blockchain system. The block chain system comprises: the method is applied to each upstream enterprise node and each downstream enterprise node. The method comprises the following steps: sending a construction request of an incidence relation to a core enterprise node, wherein the construction request carries the following information: associating the voucher with an enterprise identification of a target enterprise to be associated; the target enterprise is a core enterprise transmitted by means of credit or a related enterprise of the core enterprise; and under the condition that the correlation approval result of the core enterprise for the construction request is passed, triggering correlation and evidence storage operation of the intelligent contract: generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system; sending a financing request to a fund side node, wherein the financing request carries the following components: the enterprise identification of the current upstream and downstream enterprises, the identification of the core enterprise and the financing amount; and receiving financing processing results fed back by the fund side node.

In a third aspect, embodiments of the present disclosure provide a method for financing credit transfer for a blockchain system. The block chain system comprises: the method is applied to the core enterprise nodes. The method comprises the following steps: receiving a construction request of an incidence relation sent by upstream and downstream enterprise nodes, wherein the construction request carries the following information: associating the voucher with an enterprise identification of a target enterprise to be associated; the target enterprise is a core enterprise transferred by means of credit or a related enterprise of the core enterprise; verifying the associated certificate to obtain an associated approval result; and triggering the association and evidence storage operation of the intelligent contract when the association approval result is passed: generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system; sending a transfer request of available credit information about financing to the fund side node; and under the condition that the transmission approval result of the fund side node for the transmission request is passed, triggering the credit granting transmission operation of the intelligent contract: and binding the available credit information and the enterprise association relation information, and storing the bound information and the enterprise association relation information into an account book of the block chain system.

In a fourth aspect, embodiments of the present disclosure provide a blockchain system. The block chain system comprises: the intelligent contract management system comprises a capital party node corresponding to a capital party, a core enterprise node corresponding to a core enterprise, and an upstream enterprise node and a downstream enterprise node corresponding to a downstream enterprise, wherein the core enterprise node and the upstream enterprise node are stored with an incidence relation intelligent contract, and the capital party node and the core enterprise node are stored with a credit transfer intelligent contract. The upstream and downstream enterprise nodes are configured to: sending a construction request of the incidence relation to a core enterprise node, wherein the construction request carries the following information: associating the voucher with an enterprise identification of a target enterprise to be associated; the target enterprise is a core enterprise transferred by the credit or a related enterprise of the core enterprise. The core enterprise node is configured to: and verifying the association certificate to obtain an association approval result. And under the condition that the correlation approval result is passed, triggering the intelligent contract of the correlation relationship to execute correlation and evidence storage operation: and generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system. The core enterprise node is further configured to: and sending a transfer request of available credit information about financing to the fund side node. The above-mentioned fund side node is used for: and verifying the available credit granting information to obtain a transmission approval result. And triggering the credit granting and transmitting intelligent contract to execute credit granting and transmitting operation under the condition that the transmission approval result is passed: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system. The upstream and downstream enterprise nodes are further configured to: sending a financing request to the fund side node, wherein the financing request carries: the enterprise identification of the current upstream and downstream enterprises, the identification of the core enterprise and the financing amount. The funder node is further configured to: verifying whether the first enterprise, the nominally associated core enterprise and the financing amount are legal or not according to enterprise uplink information, enterprise association relation information and available credit information stored in an account book of the block chain system; wherein the available credit information is bound with the enterprise association relation information of the core enterprise; and issuing funds to the first enterprise node and updating the available credit information when the first enterprise, the nominally associated core enterprise, and the financing amount are all legitimate.

In a fifth aspect, embodiments of the present disclosure provide an electronic device. The electronic equipment comprises a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory are communicated with each other through the communication bus; a memory for storing a computer program; the processor is used for realizing the method for financing credit transfer based on the block chain system when the program stored in the memory is executed.

In a sixth aspect, embodiments of the present disclosure provide a computer-readable storage medium. The computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the method for financing credit delivery based on a blockchain system as described above.

The technical scheme provided by the embodiment of the disclosure at least has part or all of the following advantages:

in the provided financing credit transmission method based on the blockchain system, the corresponding nodes of a capital party, a core enterprise and an upstream enterprise and a downstream enterprise are used as blockchain nodes, the blockchain system comprising the capital party nodes, the core enterprise nodes and the upstream and downstream enterprise nodes can carry out data synchronization through broadcasting, unified enterprise association relation information is maintained based on an account book of the blockchain system, enterprise uplink information, enterprise association relation information and available credit information bound with the enterprise association relation information are stored in the blockchain in advance, the stored data is verified data, during the financing process, according to the characteristic that the blockchain cannot be tampered, the information which is already uplink has trust, the original certificates such as contracts and bills do not need to be verified, only the stored enterprise uplink information, the enterprise association relation information and the available credit information are used for verifying the financing request, and the financing processing can be rapidly and accurately realized. According to the scheme, a quick and reliable credit granting and transmitting mechanism is constructed, the information checking process of a capital party to upstream and downstream enterprises for financing is simplified, the financing progress is accelerated, a large amount of time transmission cost required by link type information transmission among the capital party, a core enterprise and the upstream and downstream enterprises in the related technology is effectively avoided, time and labor cost for checking contracts, bills and the like are effectively avoided, enterprise association relation information about the core enterprise is effectively constructed, available credit granting information of the core enterprise is bound with enterprise association relations, data is uniformly maintained based on an account book of a block chain system, a plurality of capital party nodes can share data of the block chain system account book during financing processing, and each capital party node is not required to maintain a set of related data.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the related art will be briefly described below, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.

FIG. 1A schematically illustrates a system architecture for a method of block-chain system-based financing credit transfer suitable for use in embodiments of the present disclosure;

FIG. 1B schematically illustrates a schematic diagram of enterprise incidence relation information in the form of a relation graph, according to an embodiment of the disclosure;

FIG. 2 schematically illustrates a flow chart of a method of block chain system based financing credit transfer as applied to a funder node in accordance with an embodiment of the present disclosure;

FIG. 3 is a schematic diagram illustrating uplink information of enterprises corresponding to a fund party, a core enterprise and upstream and downstream enterprises in accordance with an embodiment of the present disclosure;

FIG. 4 schematically shows a flowchart of a detailed implementation of step S220 according to an embodiment of the present disclosure;

FIG. 5 schematically shows a flowchart of a detailed implementation of step S230 of an embodiment of the present disclosure;

FIG. 6 schematically illustrates a flow chart of a method of blockchain system-based financing credit transfer as applied to a funder node according to another embodiment of the present disclosure;

FIG. 7 schematically illustrates a flowchart of a method for block chain system-based financing credit transfer for upstream and downstream enterprise nodes according to an embodiment of the disclosure;

FIG. 8 schematically illustrates a flow chart of a method of block chain system based financing credit transfer for a core enterprise node according to an embodiment of the present disclosure; and

fig. 9 schematically shows a block diagram of an electronic device provided in an embodiment of the present disclosure.

Detailed Description

In research and development, the following are found: at present, a trust mechanism for financing upstream and downstream enterprises is complex, the trust of the core enterprise is transferred to the upstream and downstream enterprises in a mode of providing online or offline signed contracts or bills related to the core enterprise and circulating and checking among the core enterprise, the upstream and downstream enterprises and an investor, and the mode has the problems of long financing time consumption and low processing efficiency caused by complicated trust flow.

For example, when the trust of the core enterprise is transferred to the upstream and downstream enterprises for financing, some schemes are: the upstream and downstream enterprises and the core enterprise are signed with related contracts through a mode of signing the contracts downwards, the contracts are shown (submitted) when the upstream and downstream enterprises apply for financing to a fund side, the relation between the upstream and downstream enterprises to be financed and the core enterprise to be financed is proved, and then the fund side maintains the relation between the related enterprises and maintains the credit-granting relation. However, the method consumes a great deal of labor cost and time cost for signing and checking the contract, and the financing efficiency is low; furthermore, if only the contract data of the core enterprise and the supplier is used as the trust basis, a situation that the contract is forged to cheat the credit authorization is likely to occur, and the situation is difficult to identify and trace.

Some schemes are as follows: the core enterprise signs contract or digital bill for authorized transmission on line, transfers the contract to each upstream and downstream enterprise associated with the core enterprise, the upstream and downstream enterprises needing financing select credit of the core enterprise according to the contract or digital bill transferred on line, initiates financing to the fund side, and the fund side checks the relevant contract or digital bill and then issues financing. However, in this method, the logic of constructing link information and association relationship by using digital ticket and full link data transmission is cumbersome. In addition, in the case of multiple funding parties, each funding party needs to maintain a set of relationships between enterprises, and the amount of data required for a financing is excessive, which results in unnecessary resource usage.

In view of this, embodiments of the present disclosure provide a method for financing and credit transfer based on a blockchain system and a blockchain system, which provide a fast and reliable credit transfer mechanism, simplify the information check process of a funding party for upstream and downstream enterprises financing the funding party, accelerate the financing progress, effectively avoid a large amount of time transmission cost required for link-type information transmission among the funding party, a core enterprise, and the upstream and downstream enterprises, and time and labor cost for information check of contracts, tickets, and the like in the related art, effectively construct enterprise association relationship information about the core enterprise, and bind available credit information of the core enterprise and enterprise association relationship, perform unified maintenance of data based on an account book of the blockchain system, and multiple funding party nodes can share data of a blockchain system account book during financing processing without maintaining a set of related data by each funding party node.

To make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions of the embodiments of the present disclosure will be described clearly and completely with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are some embodiments of the present disclosure, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments disclosed herein without making any creative effort, shall fall within the protection scope of the present disclosure.

A first exemplary embodiment of the present disclosure provides a method for financing credit transfer based on a blockchain system.

Fig. 1A schematically illustrates a system architecture of a method for financing credit transfer based on a blockchain system suitable for use in embodiments of the present disclosure.

Referring to fig. 1A, a system architecture of a blockchain system 100 according to an embodiment of the present disclosure includes: a funder node 110 corresponding to a funder, a core enterprise node 120 corresponding to a core enterprise, and upstream and downstream enterprise nodes 130 corresponding to upstream and downstream enterprises. The funder node 110, the core enterprise node 120, and the upstream and downstream enterprise nodes 130 serve as blockchain link points (nodes for short) in a blockchain system.

The fund side is an enterprise or an organization such as a bank or a financial institution for financing and paying.

A core enterprise is an enterprise with credit in the funding party.

Upstream and downstream enterprises are generic terms of upstream or downstream enterprises having a direct or indirect relationship with a core enterprise.

Referring to fig. 1A, the number of the funder node 110, the core enterprise node 120, and the upstream and downstream enterprise nodes 130 may be one or more.

In FIG. 1A, funder nodes corresponding to two different funders are illustrated with funder node X and funder node Y, and core enterprise nodes corresponding to two different core enterprises are illustrated with core enterprise node A and core enterprise node B.

Fig. 1B schematically illustrates a schematic diagram of enterprise association relationship information in the form of a relationship graph according to an embodiment of the present disclosure.

In the embodiment of the disclosure, the relationship between the core enterprise and the upstream and downstream enterprises is represented by enterprise association relationship information.

According to the embodiment of the disclosure, the enterprise association relationship information is in the form of a relationship graph about core enterprises, each enterprise in the relationship graph is taken as a node of a tree structure, association relationships among the enterprises are represented by connecting edges of the tree structure, and the enterprises include the core enterprise and the upstream and downstream enterprises.

For example, referring to fig. 1B, the enterprise association information about the core enterprise M is represented in the form of a relationship map, and when a certificate is deposited in the ledger of the blockchain system, the information may be stored in the form of a data list or directly in the form of a graph. In the relationship graph, the upstream and downstream enterprises are ranked according to their affinity and sparseness with the core enterprise M, for example, the first-level enterprise M of the core enterprise M is illustrated in fig. 1B ₁₁ And level one Enterprise M ₁₂ First level Enterprise M ₁₁ And level one Enterprise M ₁₂ Is an upstream and downstream enterprise that has a direct association with the core enterprise M. And level one Enterprise M ₁₁ The upstream and downstream enterprises with direct association are respectively enterprises M ₂₁ And Enterprise M ₂₂ Then enterprise M ₂₁ And Enterprise M ₂₂ Expressed in the relationship graph as a level two enterprise M relative to a core enterprise M ₂₁ And level two Enterprise M ₂₂ I.e. the core enterprise M is via the primary enterprise M ₁₁ Branching into two second level enterprises M ₂₁ And second level Enterprise M ₂₂ . By analogy, the core enterprise M is via the first level enterprise M ₁₂ Branching into two second level enterprises M ₂₃ And level two Enterprise M ₂₄ . It is also possible to understand the second level enterprise M ₂₁ 、M ₂₂ 、M ₂₃ 、M ₂₄ Respectively corresponding three-level enterprises M ₃₁ 、M ₃₂ 、M ₃₃ 、M ₃₄ . The first level, the second level, the third level and the like are enterprise level information, and the enterprise level information is the level information of the upstream and downstream enterprises in the supply chain of the core enterprise and is used for expressing the degree of relationship affinity between the upstream and downstream enterprises and the core enterprise. For example, in the example representation, the more relationships with the core enterpriseThe smaller the value of the hierarchy information. In other embodiments, the representation manner, the numerical value size, the correspondence between the affinity and the sparseness, the correspondence between the hierarchy numerical values, and the like of the hierarchy information may be changed.

As will be understood in conjunction with FIGS. 1A and 1B, the single-dotted line in FIG. 1A indicates the node association between the core enterprise and the upstream and downstream enterprises of different hierarchical levels, e.g., core enterprise node A and one level of upstream and downstream enterprise node C ₁ The connecting lines indicate the core enterprise corresponding to core enterprise node A (e.g., depicted as core enterprise a) and the first level upstream and downstream enterprise nodes C ₁ The corresponding first-level upstream and downstream enterprises have an incidence relation (a direct incidence relation). Similarly, the connection line between the core enterprise node a and the second-level upstream and downstream enterprise node D indicates that there is an association relationship (an indirect association relationship) between the core enterprise a and the second-level upstream and downstream enterprise nodes corresponding to the second-level upstream and downstream enterprise node D. The connection line between the core enterprise node a and the three-level upstream and downstream enterprise node E indicates that there is an association relationship (an indirect association relationship) between the core enterprise a and the three-level upstream and downstream enterprises corresponding to the three-level upstream and downstream enterprise node E.

Similarly, the association relationship between the core enterprise node B and the upstream and downstream enterprise nodes of each level, which is illustrated by the two-dot chain line in fig. 1A, can be understood. In this embodiment, the core enterprise node B and the first level upstream and downstream enterprise node C are used ₂ The connecting lines of (C) represent the core enterprise (e.g., core enterprise b) and the level of upstream and downstream enterprise C ₂ Have an association relationship (being a direct association relationship) therebetween.

Referring to fig. 1A, the association between nodes corresponding to upstream and downstream enterprises at each level is represented by solid lines. For example, a level of upstream and downstream enterprise nodes C ₁ And C ₂ Are all connected to a second-level upstream and downstream enterprise node D and represent a first-level upstream and downstream enterprise node C ₁ And C ₂ The first-level upstream and downstream enterprises corresponding to the first-level upstream and downstream enterprises respectively and the second-level upstream and downstream enterprises corresponding to the second-level upstream and downstream enterprise nodes D have an incidence relation. Similarly, the second-level upstream and downstream enterprises corresponding to the second-level upstream and downstream enterprise nodes D and the third-level upstream and downstream enterprises corresponding to the third-level upstream and downstream enterprise nodes E also have an association relationship.

For each funder node, such as funder node X and funder node Y illustrated in fig. 1A, in the blockchain system 100, a target funder node for financing processing is, for example, a funder node X, which is shown by a solid line in fig. 1A, and the funder node X and each of the core enterprise nodes 120 and the upstream and downstream nodes 130 can perform peer-to-peer communication based on a blockchain network, and the funder node X has access to the enterprise uplink information, the enterprise association information, and the available credit information stored in the ledger of the blockchain system during the financing processing.

Similarly, referring to the dotted line in fig. 1A, if the target funder node for performing financing processing is funder node Y, the funder node Y, each core enterprise node 120, and the upstream and downstream nodes 130 can perform peer-to-peer communication based on the blockchain network, and during the financing processing, the funder node Y has access to the enterprise uplink information, the enterprise association relationship information, and the available credit information stored in the ledger of the blockchain system.

In the blockchain system 100, enterprise association relationship information about core enterprises is effectively constructed and available trust information of the core enterprises is bound with the enterprise association relationship. The block chain system-based account book carries out unified maintenance on data (including enterprise uplink information, enterprise association relation information, available credit information and the like), and a plurality of capital side nodes can share the data of the block chain system account book during financing processing, so that each capital side node is not required to maintain a set of related data.

For example, the enterprise uplink information, the enterprise association information, and the available credit granting information stored in the ledger may be maintained by the funder node X, and the funder node Y may call corresponding data from the ledger to check during financing, without separately maintaining a set of own data (such as association data and credit granting data).

In some embodiments, the method of financing credit transfer based on blockchain system may be performed by the funder node 110 in the blockchain system 100; in other embodiments, the method of financing credit transfer based on the blockchain system may be performed by the upstream and downstream enterprise nodes 130 in the blockchain system 100; in other embodiments, the method of financing credit transfer based on the blockchain system may be performed by the core enterprise node 120 in the blockchain system 100.

A first exemplary embodiment of the present disclosure provides a method for financing credit transfer based on a blockchain system. The method of the present embodiment is applied to a funder node. The above-described blockchain system may refer to the blockchain system 100 illustrated in fig. 1A.

Fig. 2 schematically shows a flowchart of a method for block chain system-based financing credit transfer applied to a funding side node according to an embodiment of the present disclosure.

Referring to fig. 2, a method for financing credit delivery applied to a funder node includes the steps of: s210, S220 and S230.

In step S210, a financing request sent by a first enterprise node is received, where the financing request carries: the business identification of the first business, the nominal associated core business of the first business, and the financing amount.

In one embodiment, the first enterprise node may be a blockchain node located in a blockchain system, in which case the enterprise identifier of the first enterprise is a unique identity credential generated in the blockchain system when the enterprise information of the first enterprise is chain-stored, for example, the enterprise identifier of the first enterprise is a unique identifier generated by a private key digital signature of the first enterprise.

In one embodiment, before the enterprise information is linked to the chain for certification, the enterprise real-name certification is required, the enterprise is required to provide related real-name certification information, such as an enterprise business license name, a unified social credit code, a legal representative name and a legal representative identity number, the enterprise authenticity certification is performed by a trusted certification center (for example, a chinese financial certification center (CFCA)), and when the certification is passed, an intelligent contract in the blockchain system encrypts the enterprise information, and generates a public-private key pair and a blockchain address according to rules of the trusted certification center, and the certification result and the encrypted enterprise information are broadcasted in the blockchain system to be linked together.

In another embodiment, the first enterprise node may be a device node outside of the blockchain system, the device node being capable of communicating with a funder node in the blockchain system. In this case, the enterprise identification of the first enterprise is an enterprise identification in the conventional sense, with no corresponding blockchain address in the blockchain system.

In some embodiments, the first enterprise corresponding to the first enterprise node may be a real-name authenticated enterprise or a non-real-name authenticated enterprise.

In some embodiments, the first enterprise node may be an enterprise node corresponding to an enterprise upstream and downstream from a core enterprise; in other embodiments, no association is established between the first enterprise and the core enterprise.

In some embodiments, the nominally associated core enterprise of the first enterprise may be a core enterprise having a true relationship with the first enterprise, or a core enterprise not having a true relationship with the first enterprise, or the nominally associated core enterprise is not a core enterprise approved by the funder node.

The financing amount is the requested amount initiated by the first enterprise according to the financing requirement of the first enterprise.

In step S220, it is verified whether the first enterprise, the nominally associated core enterprise, and the financing amount are legal according to the enterprise uplink information, the enterprise association relationship information, and the available credit information stored in the book of the blockchain system.

The available credit information is bound with the enterprise association relation information of the core enterprise. The available credit information comprises: the core enterprise can use the credit type in the fund side and the credit amount corresponding to the credit type.

For example, a funding party may consider a same core enterprise in different dimensions to obtain a plurality of different credit granting categories, for example, there are a plurality of industry types related to a certain core enterprise, which are respectively an automobile manufacturing industry, a mobile phone chip manufacturing industry, and a logistics transportation industry, and by evaluating business conditions and fund reserves of the core enterprise under different industry types, the funding category corresponding to the core enterprise in the automobile manufacturing industry is a category a, the credit granting category in the mobile phone chip manufacturing industry is a category C, the credit granting category in the logistics transportation industry is a category B, and financing credit lines under various credit granting categories have differences, for example, the financing credit line of the category a is: 100 ten thousand (more than) to 300 ten thousand (can get the endpoint value), the financing credit line under the B-type credit category is 20 ten thousand (more than) to 100 ten thousand (can get the endpoint value), the financing credit line of the C-type credit category is: from 1 million (greater than or equal to) to 20 million (end point values are taken).

The enterprise association relation information is used for representing whether the core enterprise and the upstream and downstream enterprises are related to each other or not and the degree of affinity and sparseness of the association. As can be seen from the above description of the system architecture of the blockchain system 100, in an embodiment, the enterprise association relationship information is in the form of a relationship graph related to core enterprises, each enterprise is a node of a tree structure, and the association relationship between enterprises is represented by connecting edges of the tree structure, where the enterprises include core enterprises and upstream and downstream enterprises.

For example, the enterprise association relationship information of the relationship tree type is stored in a list form or a graph form.

Fig. 3 schematically illustrates a schematic diagram of uplink information of an enterprise corresponding to each of a funding party, a core enterprise, and an upstream and downstream enterprise according to an embodiment of the disclosure.

According to some embodiments of the present disclosure, referring to fig. 3, the uplink information of the enterprise stored in the ledger of the block chain system includes: and enterprise uplink information corresponding to the fund side, the core enterprise and the upstream and downstream enterprises respectively.

The enterprise uplink information 310 of the funding party includes: the credible enterprise identity information and the enterprise identification of the fund side.

For example, the trusted enterprise identity information of the fund party is enterprise four-factor information of the fund party which performs real-name authentication through the trusted authentication center. The four-factor information of the enterprise comprises: enterprise license names, unified social credit codes, legal representative names, and legal representative identification numbers.

The corporate identity of the funding party is a unique identity generated by a private key digital signature of the funding party.

The enterprise uplink information 320 for the core enterprise includes: the trusted enterprise identity information, the trusted enterprise financial information and the enterprise identification of the core enterprise.

For example, the trusted enterprise identity information of the core enterprise is four-element information of the enterprise of the core enterprise that is authenticated by the trusted authentication center in real name, and specific contents are not described again.

The enterprise identification of the core enterprise is a unique identification generated by a private key digital signature of the core enterprise.

The enterprise uplink information 330 for upstream and downstream enterprises includes: for example, the trusted enterprise identity information of the upstream and downstream enterprises is four-factor information of the upstream and downstream enterprises that is authenticated by the trusted authentication center, and specific contents are not described again.

In the above-mentioned enterprise uplink information, the enterprise four-factor information is mainly used for the identity authentication of the enterprise, and the enterprise identification is mainly used as the uniqueness distinguishing fingerprint of the enterprise.

The credible enterprise financial information mainly comprises enterprise financial information such as financial statements, audit data and the like in a preset period (which can be related to a financing repayment period according to months, quarters or years and the like) of each enterprise (such as a core enterprise or an upstream enterprise and a downstream enterprise and the like), the financial statements, the audit data and the like require that the enterprise self and a fund side carry out digital signatures (the enterprise submits financial statement information to the fund side, the fund side determines the financial statement information, and the signatures of the core enterprise and the fund side are realized on the financial statement information), so that the approval of the fund side on the financial state of the enterprise is expressed, the method can solve the problem that the fund side cannot determine the financial state of the enterprise, and the enterprise can give financial state reference to other fund sides when financing to other fund sides.

The enterprise level information of the upstream and downstream enterprises mainly comprises the circulation level position information of the upstream and downstream enterprises in the industrial chain of a certain core enterprise, so that the affinity and the sparsity of the enterprises with the core enterprise in the supply chain can be embodied, the level information can be transparent, and a fund party can reasonably plan and pay.

The account book of the block chain system is pre-stored with enterprise uplink information, enterprise association relation information and available credit granting information bound with the enterprise association relation information, and whether the first enterprise, the nominally associated core enterprise and the financing amount are legal or not is verified according to the enterprise uplink information, the enterprise association relation information and the available credit granting information stored in the account book of the block chain system, so that verification correctness can be guaranteed, and meanwhile, a verification process is greatly simplified. Because the certified data is verified data, in the financing process, according to the characteristic that the block chain can not be tampered, the certified data has trust for the uplink information, the original certificates such as contracts and bills do not need to be verified, and the financing request is verified only through the certified enterprise uplink information, the enterprise association relation information and the available credit information, so that the financing processing can be quickly and accurately realized.

According to some embodiments of the present disclosure, the enterprise association relationship information stored in the ledger of the blockchain system is obtained by: after the core enterprise node and the upstream and downstream enterprise nodes form a construction consensus on the association certificate and the association relation to be constructed, triggering association and evidence storage operation of the intelligent contract: and generating enterprise association relation information, and storing the association certificate and the enterprise association relation information into an account book of the block chain system.

The available credit granting information stored in the account book of the block chain system is obtained by the following method: after the core enterprise node and the fund party node form a transfer consensus on the available credit information of the core enterprise node, triggering the credit transfer operation of the intelligent contract: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

In step S230, if the first enterprise, the nominally associated core enterprise, and the financing amount are all legitimate, funds are issued to the first enterprise node, and the available credit information is updated.

And under the condition that the first enterprise, the nominal association core enterprise and the financing amount are legal, the financing request is reasonable, and reasonable response needs to be carried out on the financing request, namely, funds are issued to the first enterprise node to realize financing and payment. In addition, since a part of the credit line is used after the payment, the credit line in the available credit information needs to be updated synchronously.

In the method including the steps S210 to S230, the nodes corresponding to the funding party, the core enterprise, and the upstream and downstream enterprises are used as blockchain nodes, a blockchain system including the funding party nodes, the core enterprise nodes, and the upstream and downstream enterprise nodes can perform data synchronization through broadcasting, uniform enterprise association relationship information is maintained based on an account book of the blockchain system, enterprise uplink information, enterprise association relationship information, and available credit information bound with the enterprise association relationship information are stored in the blockchain in advance, the stored data is verified data, and in a financing process, the financing request is verified only through the stored enterprise uplink information, the enterprise association relationship information, and the available credit information according to the characteristic that the blockchain cannot be tampered, the information which is already uplink has trust, and the original contracts, bills and the like do not need to be verified, and the financing process can be quickly and accurately realized. The method constructs a quick and reliable credit granting and transmitting mechanism, simplifies the information checking process of a capital party to upstream and downstream enterprises for financing the capital party, accelerates the financing progress, effectively avoids a large amount of time transmission cost required by link type information transmission among the capital party, the core enterprise and the upstream and downstream enterprises and the time and labor cost for checking information of contracts, bills and the like in the related technology, effectively constructs enterprise association relation information about the core enterprise, binds available credit granting information of the core enterprise and enterprise association relation, performs unified maintenance of data based on a block chain system account book, and a plurality of capital party nodes can share data of the block chain system account book during financing processing without maintaining one set of related data by each capital party node.

Fig. 4 schematically shows a detailed implementation flowchart of step S220 of the embodiment of the present disclosure.

According to an embodiment of the present disclosure, as shown in fig. 4, in the step S220, according to the enterprise uplink information, the enterprise association relationship information, and the available credit information stored in the ledger of the blockchain system, it is verified whether the first enterprise, the nominally associated core enterprise, and the financing amount are legal, including the following steps: s411, S412, S421, S422, S431, S432, and S433.

In step S411, the authenticity of the first enterprise is verified according to the enterprise uplink information and the enterprise id of the first enterprise.

In step S412, in case that the authenticity verification of the first enterprise is passed, it is determined that the first enterprise is legitimate.

In some embodiments, the above steps S411 to S412 may be implemented by:

inquiring whether a target enterprise matched with the enterprise identification of the first enterprise exists in the uplink information of the enterprise;

if the target enterprise exists, the first enterprise is considered to be legal;

under the condition that the target enterprise does not exist, calling an external credible authentication system according to the enterprise identification of the first enterprise, and carrying out secondary verification on the authenticity of the first enterprise;

if the verification result of the secondary verification is that the verification is passed, the first enterprise is considered to be legal;

and in the case that the verification result of the secondary verification is that the verification fails, the first enterprise is considered to be illegal.

In the method, the authenticity (which can also be described as validity) of the enterprise is checked by providing a mode of combining the uplink and the downlink, and by the strategy of firstly performing the uplink query and then performing the downlink query after the uplink query is not performed, both the situation that the first enterprise is the enterprise corresponding to the uplink node and the situation that the first enterprise is the downlink enterprise can be processed, so that the applicability is wide. Meanwhile, aiming at the scene with most of nodes on the chain, the query efficiency can be effectively improved based on the principle of the priority of the query on the chain, and therefore the financing processing efficiency is improved.

In step S421, it is queried whether an association relationship between the first enterprise and the nominally associated core enterprise exists according to the enterprise association relationship information.

In step S422, if the association relationship exists, it is determined that the nominal association core enterprise is legal.

For the identification of the association relationship, verification must be performed through uplink data to ensure that there is indeed a true association relationship between the first enterprise corresponding to the financing payment and the purported nominal association core enterprise and that the association relationship is trusted at the time of financing.

In step S431, according to the available credit information, a target available credit limit corresponding to the nominally associated core enterprise is queried.

In step S432, it is determined whether the financing amount is lower than the target available credit line.

In step S433, it is determined that the financing amount is legal when the financing amount is lower than the target available credit line.

The core enterprise and the related upstream and downstream enterprises share one credit line, the core enterprise cannot distribute the available credit lines of the upstream and downstream enterprises, and the available credit lines are distributed by a fund side.

For the credit line determination, verification must be performed through uplink data to ensure that the credit line required by the first enterprise corresponding to the financing payment is within the target available credit line range corresponding to the nominally associated core enterprise (if the core enterprise is a real core enterprise).

It should be noted that the execution sequence among the three groups of steps S411 to S412, S421 to S422, and S431 to S433 is not limited, and may have a sequential order or be executed in parallel, and fig. 4 only illustrates one possible implementation.

Step S230 is executed only when all three conditions are satisfied, that is, when all of the first enterprise, the nominally associated core enterprise, and the financing amount are legal.

Fig. 5 schematically shows a detailed implementation flowchart of step S230 of the embodiment of the present disclosure.

According to an embodiment of the present disclosure, the enterprise uplink information of the upstream and downstream enterprises includes: trusted enterprise financial information and trusted enterprise level information of upstream and downstream enterprises; the credible enterprise financial information is the enterprise financial information after the common signature verification of the upstream and downstream enterprises and the fund party is passed; the trusted enterprise hierarchy information is enterprise hierarchy information after the upstream and downstream enterprises and the upstream enterprise of the upstream and downstream enterprises pass the signature verification, and the enterprise hierarchy information is hierarchy information of the upstream and downstream enterprises in the supply chain of the core enterprise and is used for representing the degree of affinity and sparseness of the relationship between the upstream and downstream enterprises and the core enterprise.

Referring to fig. 5, the step S230 of issuing funds to the first enterprise node and updating the available credit information includes the following steps: s510 and S520.

In step S510, a loan reference amount of the first enterprise is determined according to the trusted enterprise financial information and the trusted enterprise level information of the first enterprise, where the loan reference amount is smaller than the target available credit amount.

According to an embodiment of the present disclosure, the credit line amount in the available credit information is shared between the core enterprise and a target upstream and downstream enterprise having an association relationship with the core enterprise. In this embodiment, the target available credit line corresponding to the nominally associated core enterprise is used as the upper limit of the credit line in the financing request.

In step S510, the funding party determines a loan reference amount of the first enterprise according to the trusted enterprise financial information and the trusted enterprise level information, for example, a mapping table constructed in advance may be used to query to obtain a target loan reference gear, and then determines the loan reference amount in the target loan reference gear. In the mapping table, mapping relations between three factors of enterprise financial credit levels of core enterprises (which can be expanded or replaced by other similar assessment indexes, such as enterprise financial stability and other data), enterprise financial credit levels of upstream and downstream enterprises, hierarchical information between the upstream and downstream enterprises relative to the core enterprises, and loan reference gears are stored. For example, the financial credit levels of the core enterprise and the upstream and downstream enterprises are in level A, the level information of the upstream and downstream enterprises is in level one, the corresponding target deposit reference level is 80% -100%, the enterprise financial credit levels of the core enterprise and the upstream and downstream enterprises are in level A, the level information of the upstream and downstream enterprises is in level two, the corresponding target deposit reference level is 60% -80%, the enterprise financial credit levels of the core enterprise and the upstream and downstream enterprises are in level B, the level information of the upstream and downstream enterprises is in level one, and the corresponding target deposit reference level is 60% -80%; the financial credit level of the core enterprise is in A level, the financial credit level of the upstream and downstream enterprises is in C level, the level information of the upstream and downstream enterprises is in two levels, and the corresponding target deposit reference gear is 50-60%.

In step S520, funds are issued to the first enterprise node according to the smaller of the loan reference amount and the financing amount, and the available credit information is updated.

In the step S520, the issuing funds to the first enterprise node according to the smaller of the loan reference amount and the financing amount, and updating the available credit information includes: determining the smaller of the loan reference limit and the financing amount; issuing funds to said first enterprise node in an amount matching said smaller one; and deducting the amount value corresponding to the fund from the available credit information of the nominal associated enterprise to obtain updated available credit information.

In the embodiment including the steps S50 to S520, the loan reference amount is determined according to the trusted enterprise financial information and the trusted enterprise level information, the smaller of the loan reference amount and the financing amount is selected to loan, and on the premise that it is determined that the loan is to be billed in response to the financing request, a detailed and reasonable loan policy is adopted, so that the loan amount is adapted to the financial states of the core enterprise and the upstream and downstream enterprises, and meanwhile, the loose association between the core enterprise and the upstream and downstream enterprises is also referred, thereby effectively reducing the loan risk of the capital side.

Fig. 6 schematically shows a flowchart of a method for blockchain system-based financing credit transfer applied to a funder node according to another embodiment of the present disclosure.

According to the embodiment of the present disclosure, the method applied to the financing credit transfer based on the blockchain system of the funding side node includes the following steps in addition to the steps S210 to S230: s611, S612, S621, S622, and S623 are illustrated with reference to fig. 6, and for simplicity of illustration, only steps S611 to S623 are illustrated in fig. 6.

In step S611, authenticated and encrypted trusted enterprise information broadcast by each of the core enterprise node and the upstream and downstream enterprise nodes is received. The details of the trusted enterprise information may be referred to the above detailed description of the enterprise uplink information 310 of the funding party, the enterprise uplink information 320 of the core enterprise, and the enterprise uplink information 330 of the upstream and downstream enterprises.

In step S612, the encrypted trusted enterprise information is stored in the book of the blockchain system, so as to obtain the enterprise uplink information of the core enterprise node and the upstream and downstream enterprise nodes.

Based on steps S611 to S612, the funder can receive encrypted trusted enterprise information broadcasted by the core enterprise node and the upstream and downstream enterprise nodes in the block chain system, and trigger an intelligent contract to implement the evidence storage of the enterprise uplink information, which can ensure that the uplink of each enterprise information implements information sharing between the enterprise itself and the funder, and can also ensure the encryption of the original data.

In step S621, a transfer request of available credit information sent by the core enterprise node is received.

In step S622, the available trust information is verified to obtain a transmission approval result.

In step S623, if the result of the transfer approval is passed, a credit granting and transferring operation of the intelligent contract is triggered: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

Based on steps S621 to S623, it can be achieved that some types of available credit information of the core enterprise node and the fund side node about the core enterprise is transmitted to a certain enterprise associated specifically or some enterprises to reach a consensus, so that credit transmission can be quickly and accurately achieved when the fund side processes a financing request.

It should be noted that the execution sequence between the two sets of steps S611 to S612 and S621 to S623 is not limited, and may have a sequential order or be executed in parallel, and fig. 6 only illustrates one possible implementation case, and for the same fund party, steps S611 to S612 are executed before steps S621 to S623.

In development, it has also been found that: the defect that the information of part of non-financing enterprises is exposed to other upstream and downstream enterprises exists. For example, in the related art, a core enterprise signs a contract or a digital bill authorized to be transferred online, the contract is transferred to each upstream and downstream enterprise associated with the core enterprise, the upstream and downstream enterprises which need to be financed select an authorization of the core enterprise according to the contract or the digital bill transferred online, financing is initiated to a fund party, and the fund party checks the relevant contract or the digital bill and then issues financing.

In view of the above, in the embodiments of the present disclosure, the above problem is effectively solved by configuring access rights of the enterprise uplink information, the enterprise association relationship information, and the available credit information stored in the blockchain ledger.

According to an embodiment of the present disclosure, the access right of the uplink information of the enterprise stored in the ledger is configured to:

the enterprise to which the enterprise uplink information belongs has access authority;

the target fund side node for financing has access authority;

other non-affiliated enterprises of the enterprise uplink information do not have access rights.

The access authority of the enterprise association relation information stored in the account book is configured to:

the enterprise main body related to the enterprise incidence relation information has access authority;

the target fund side node for financing has access authority;

the enterprise principal unrelated to the enterprise association relation information does not have access authority.

The access authority of the available credit information stored in the ledger is configured to:

the core enterprise to which the available credit information belongs has access authority;

the target upstream and downstream enterprises which belong to the core enterprise and have the incidence relation have access authority;

the target fund side node for financing has access authority; for example, it may be a funding party for the credit transfer process, or another funding party for the financing process different from the funding party;

the upstream and downstream enterprises which do not construct the association relation with the core enterprise do not have access authority.

Through the configuration of the access authority, private data of individual enterprises are effectively protected under the condition of realizing rapid and correct financing processing.

A second exemplary embodiment of the present disclosure provides a method for financing credit transfer based on a blockchain system. The above method is applied to each upstream and downstream enterprise node. The blockchain system described above can be seen with reference to the exemplary blockchain system 100 of fig. 1A. The method of the present embodiment can be understood by combining the first embodiment and the third embodiment. The same parts will not be described in detail, and specific details may be understood by referring to the previous and following examples.

Fig. 7 schematically shows a flowchart of a method for block chain system-based financing credit transfer applied to upstream and downstream enterprise nodes according to an embodiment of the present disclosure.

Referring to fig. 7, a method for financing credit transfer based on a blockchain system applied to upstream and downstream enterprise nodes according to an embodiment of the present disclosure includes the following steps: s710, S720, S730, and S740.

In step S710, a request for constructing an association relationship is sent to the core enterprise node, where the request for constructing carries the following information: and associating the voucher with the enterprise identification of the target enterprise to be associated. The target enterprise is a core enterprise transferred by the credit or a related enterprise of the core enterprise.

In step S720, if the association approval result of the core enterprise for the building request is passed, the association and verification operation of the intelligent contract is triggered: and generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system.

In step S730, a financing request is sent to the funder node, where the financing request carries: the enterprise identification of the current upstream and downstream enterprises, the identification of the core enterprise and the financing amount.

In step S740, the financing process result fed back from the funder node is received.

In this embodiment, steps S710 to S720 are processes of forming consensus and evidence for establishing association between the core enterprise node and the upstream and downstream enterprise nodes, and may be understood by combining steps S810 to S830 of the third embodiment. Steps S730 to S740 are the process of performing financing process interaction between the upstream and downstream enterprise nodes and the funder node, and the understanding of the interaction flow can be performed in conjunction with steps S210 to S230 of the first embodiment.

Further, steps S710 to S720 may also be understood with reference to the following description in the first embodiment, where the business association information stored in the ledger of the blockchain system is obtained by: after the core enterprise node and the upstream and downstream enterprise nodes form a construction consensus on the association certificate and the association relation to be constructed, triggering association and evidence storage operation of the intelligent contract: and generating enterprise association relation information, and storing the association certificate and the enterprise association relation information into an account book of the block chain system.

A third exemplary embodiment of the present disclosure provides a method of financing credit delivery for a blockchain system. The method is applied to the core enterprise node. The above-described blockchain system may be described with reference to the exemplary blockchain system 100 of fig. 1A.

Fig. 8 schematically shows a flowchart of a method for blockchain system-based financing credit delivery for core enterprise nodes according to an embodiment of the present disclosure.

Referring to fig. 8, a method for financing credit transfer based on a blockchain system applied to upstream and downstream enterprise nodes according to an embodiment of the present disclosure includes the following steps: s810, S820, S830, S840, and S850.

In step S810, a request for constructing an association relationship sent by upstream and downstream enterprise nodes is received, where the request carries the following information: and associating the voucher with the enterprise identification of the target enterprise to be associated. The target enterprise is a core enterprise transferred by the credit or a related enterprise of the core enterprise.

In step S820, the association voucher is verified to obtain an association approval result.

In step S830, if the result of the association approval is passed, the association and verification operation of the intelligent contract is triggered: and generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system.

In step S840, a transfer request of available credit information about financing is sent to the funding side node.

In step S850, if the result of the approval of the transfer request by the funding node is passed, a trust transfer operation of the intelligent contract is triggered: and binding the available credit information and the enterprise association relation information, and storing the bound information and the enterprise association relation information into an account book of the block chain system.

In this embodiment, steps S810 to S830 are processes of forming consensus and evidence for constructing association between the core enterprise node and the upstream and downstream enterprise nodes, and may be understood by combining steps S710 to S720 of the second embodiment. Steps S840 to S850 are processes of the core enterprise node and the funding party node performing trust transfer to form a consensus, and the understanding of the interaction flow can be performed by combining steps S621 to S623 of the first embodiment.

Further, steps S840 to S850 may be understood with reference to the following description in the first embodiment, and the available credit information stored in the ledger of the above-described blockchain system is obtained by the following method: after the core enterprise node and the fund party node form a transfer consensus on the available credit information of the core enterprise node, triggering the credit transfer operation of the intelligent contract: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

In the second and third embodiments, the upstream and downstream enterprise nodes or the core enterprise node may further encrypt the enterprise information of the upstream and downstream enterprise nodes and send the encrypted enterprise information to the trusted authentication center for verification, and after the verification is passed, the trusted enterprise information is stored in the blockchain system, and specifically, the interaction process between the enterprise nodes such as the core enterprise node, the upstream and downstream enterprise nodes and the funder node may be understood by further referring to steps S611 to S612 of the first embodiment.

A fourth exemplary embodiment of the present disclosure provides a blockchain system.

Referring to fig. 1, a block chain system 100 provided by an embodiment of the present disclosure includes: a funder node 110 corresponding to a funder, a core enterprise node 120 corresponding to a core enterprise, and an upstream enterprise node 130 corresponding to an upstream enterprise and a downstream enterprise.

The core enterprise node and the upstream and downstream enterprise nodes store incidence relation intelligent contracts, and the fund side node and the core enterprise node store credit transfer intelligent contracts.

The upstream and downstream enterprise nodes 130 are configured to: sending a construction request of the incidence relation to a core enterprise node, wherein the construction request carries the following information: associating the voucher with an enterprise identifier of a target enterprise to be associated; the target enterprise is a core enterprise transferred by the credit or a related enterprise of the core enterprise.

The core enterprise node 120 is configured to: and verifying the association certificate to obtain an association approval result.

And under the condition that the correlation approval result is passed, triggering the intelligent contract of the correlation relationship to execute correlation and evidence storage operation: and generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system.

The core enterprise node 120 is further configured to: and sending a transfer request of available credit information about financing to the fund side node.

The funder node 110 is configured to: and verifying the available credit granting information to obtain a transmission approval result.

And triggering the credit transfer intelligent contract to execute the credit transfer operation when the transfer approval result is passed: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

The upstream and downstream enterprise nodes 130 are further configured to: sending a financing request to the fund side node, wherein the financing request carries: the enterprise identification of the current upstream and downstream enterprises, the identification of the core enterprise and the financing amount.

The funder node 110 is further configured to: verifying whether the first enterprise, the nominal association core enterprise and the financing amount are legal or not according to enterprise uplink information, enterprise association relation information and available credit information stored in an account book of the block chain system; the available credit granting information is bound with the enterprise association relation information of the core enterprise; and issuing funds to the first enterprise node and updating the available credit information when the first enterprise, the nominally associated core enterprise, and the financing amount are all legitimate.

The specific details included in the steps or more functions that may be included in the steps in this embodiment may refer to the description of the first to third embodiments, which are not described herein again.

A fifth exemplary embodiment of the present disclosure provides an electronic apparatus.

Fig. 9 schematically shows a block diagram of an electronic device provided by an embodiment of the present disclosure.

Referring to fig. 9, an electronic device 900 provided in the embodiment of the present disclosure includes a processor 901, a communication interface 902, a memory 903, and a communication bus 904, where the processor 901, the communication interface 902, and the memory 903 complete communication with each other through the communication bus 904; a memory 903 for storing computer programs; the processor 901 is configured to implement the above-described method for transferring financing credit based on the blockchain system when executing the program stored in the memory.

A sixth exemplary embodiment of the present disclosure also provides a computer-readable storage medium. The computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the method for financing credit delivery based on a blockchain system as described above.

The computer-readable storage medium may be contained in the apparatus/device described in the above embodiments; or may be separate and not incorporated into the device/apparatus. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

It is noted that, in this document, relational terms such as "first" and "second," and the like, are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.

The foregoing are merely exemplary embodiments of the present disclosure, which enable those skilled in the art to understand or practice the present disclosure. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the disclosure. Thus, the present disclosure is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for financing credit transfer based on a blockchain system, the blockchain system comprising: the method is applied to the fund side node and comprises the following steps of:

receiving a financing request sent by a first enterprise node, wherein the financing request carries: a business identification of a first business, a nominal associated core business for the first business, and a financing amount;

verifying whether the first enterprise, the nominal association core enterprise and the financing amount are legal or not according to enterprise uplink information, enterprise association relation information and available credit granting information stored in an account book of the block chain system; wherein the available credit information is bound with enterprise association relationship information of the core enterprise;

and issuing funds to the first enterprise node and updating the available credit information under the condition that the first enterprise, the nominal associated core enterprise and the financing amount are legal.

2. The method of claim 1, wherein verifying whether the first enterprise, the nominally associated core enterprise, and the financing amount are legitimate according to enterprise uplink information, enterprise association relationship information, and available credit information stored in a ledger of the blockchain system comprises:

verifying the authenticity of the first enterprise according to the enterprise uplink information and the enterprise identification of the first enterprise;

determining that the first enterprise is legal under the condition that the authenticity verification of the first enterprise is passed;

inquiring whether the incidence relation between the first enterprise and the nominal incidence core enterprise exists or not according to the enterprise incidence relation information;

determining that the nominal associated core enterprise is legal if the association relationship exists;

inquiring a target available credit line corresponding to the nominal association core enterprise according to the available credit information;

determining whether the financing amount is lower than the target available credit line;

and determining that the financing amount is legal under the condition that the financing amount is lower than the target available credit line.

3. The method of claim 2, wherein the uplink information of upstream and downstream enterprises comprises: trusted enterprise financial information and trusted enterprise level information of the upstream and downstream enterprises; the trusted enterprise financial information is enterprise financial information after the common signature verification of the upstream enterprise, the downstream enterprise and the funder is passed; the trusted enterprise level information is enterprise level information after the common signature verification of the upstream enterprise and the downstream enterprise and the previous-level enterprise of the upstream enterprise and the downstream enterprise is passed, and the enterprise level information is level information of the upstream enterprise and the downstream enterprise in a supply chain of the core enterprise and is used for expressing the degree of affinity and sparseness of the relationship between the upstream enterprise and the downstream enterprise and the core enterprise;

and in the case that the first enterprise, the nominally associated core enterprise, and the financing amount are all legitimate, issuing funds to the first enterprise node, and updating the available credit information, including:

under the condition that the first enterprise, the nominal association core enterprise and the financing amount are legal, determining a paying reference line of the first enterprise according to the credible enterprise financial information and credible enterprise level information of the first enterprise, wherein the paying reference line is smaller than the target available credit line;

and issuing funds to the first enterprise node according to the smaller one of the loan reference amount and the financing amount, and updating the available credit information.

4. The method of claim 3, wherein credit limits in the available credit messages are shared between the core enterprise and target upstream and downstream enterprises having an association relationship with the core enterprise;

according to the smaller one of the loan reference amount and the financing amount, funds are issued to the first enterprise node, and the available credit information is updated, wherein the steps of:

determining the smaller of the loan reference amount and the financing amount;

issuing funds to said first enterprise node in an amount matching said smaller;

and deducting the amount value corresponding to the fund from the available credit information of the nominal associated enterprise to obtain updated available credit information.

5. The method of claim 1, further comprising:

receiving authenticated and encrypted trusted enterprise information which is broadcast by the core enterprise node and the upstream and downstream enterprise nodes respectively;

storing the encrypted trusted enterprise information into an account book of the block chain system to obtain enterprise uplink information of the core enterprise node and the upstream and downstream enterprise nodes;

receiving a transmission request of available credit information sent by the core enterprise node;

verifying the available credit granting information to obtain a transmission approval result;

and triggering the credit granting transmission operation of the intelligent contract under the condition that the transmission approval result is passed: and binding the available credit information and the enterprise association relation information, and storing the bound information and the enterprise association relation information into an account book of the block chain system.

6. The method of claim 1,

the enterprise association relation information stored in the account book of the block chain system is obtained through the following modes: after the core enterprise node and the upstream and downstream enterprise nodes form a construction consensus on the association certificate and the association relation to be constructed, triggering the association and evidence storage operation of the intelligent contract: generating enterprise association relation information, and storing the association voucher and the enterprise association relation information into an account book of the block chain system;

the available credit granting information stored in the account book of the block chain system is obtained through the following modes: after the core enterprise node and the fund party node form a transfer consensus on the available credit information of the core enterprise node, triggering credit transfer operation of an intelligent contract: and binding the available credit information and the enterprise association relation information, and storing the information into an account book of the block chain system.

7. The method of claim 1, wherein the access rights of the enterprise uplink information stored in the ledger are configured to: the enterprise to which the enterprise uplink information belongs has access authority, a target fund side node for financing processing has access authority, and other non-affiliated enterprises of the enterprise uplink information do not have access authority;

the access authority of the enterprise association relation information stored in the account book is configured to: the enterprise main body related to the enterprise incidence relation information has access authority, a target fund side node for financing processing has access authority, and the enterprise main body unrelated to the enterprise incidence relation information does not have access authority;

the access authority of the available credit information stored in the account book is configured to: the core enterprise to which the authorization information belongs has access authority, the target upstream and downstream enterprises which have an association relation with the core enterprise to which the authorization information belongs have access authority, the target fund side node for financing processing has access authority, and the upstream and downstream enterprises which do not establish an association relation with the core enterprise to which the authorization information belongs do not have access authority.

8. The method of any of claims 1-7, wherein the enterprise uplink information of the funding party comprises: trusted enterprise identity information and an enterprise identification of the funding party; the enterprise uplink information of the core enterprise comprises: trusted enterprise identity information, trusted enterprise financial information and enterprise identification of the core enterprise; the enterprise uplink information of the upstream and downstream enterprises comprises: the trusted enterprise identity information, the trusted enterprise financial information, the trusted enterprise level information and the enterprise identification of the upstream enterprise and the downstream enterprise;

the enterprise incidence relation information is in the form of a relation graph about core enterprises, each enterprise in the relation graph is used as a node of a tree structure, incidence relations among the enterprises are expressed by adopting connecting edges of the tree structure, and the enterprises comprise the core enterprises and the upstream and downstream enterprises.

9. A method for financing credit transfer based on a blockchain system, the blockchain system comprising: the method is applied to each upstream and downstream enterprise node and comprises the following steps:

sending a construction request of an incidence relation to a core enterprise node, wherein the construction request carries the following information: associating the voucher with an enterprise identifier of a target enterprise to be associated; the target enterprise is a core enterprise or a related enterprise of the core enterprise transmitted by means of credit authorization;

and triggering the association and evidence storage operation of the intelligent contract when the association approval result of the core enterprise for the construction request is passed: generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system;

sending a financing request to a funding party node, wherein the financing request carries: enterprise identification of the current upstream and downstream enterprises, identification of the core enterprise and financing amount;

and receiving financing processing results fed back from the fund side node.

10. A method for financing credit delivery in a blockchain system, the blockchain system comprising: the method is applied to the core enterprise nodes and comprises the following steps:

receiving a construction request of an incidence relation sent by upstream and downstream enterprise nodes, wherein the construction request carries the following information: associating the voucher with an enterprise identifier of a target enterprise to be associated; the target enterprise is a core enterprise or a related enterprise of the core enterprise transmitted by means of credit authorization;

verifying the associated certificate to obtain an associated approval result;

and triggering the association and evidence storage operation of the intelligent contract under the condition that the association approval result is passed: generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system;

sending a transfer request for available credit information regarding financing to the funding node;

and under the condition that the transmission approval result of the fund side node for the transmission request is passed, triggering the credit granting transmission operation of the intelligent contract: and binding the available credit information and the enterprise association relation information, and storing the bound information and the enterprise association relation information into an account book of the block chain system.

11. A blockchain system, comprising: the intelligent contract transfer method comprises the following steps that fund party nodes corresponding to fund parties, core enterprise nodes corresponding to core enterprises and upstream and downstream enterprise nodes corresponding to upstream and downstream enterprises, incidence relation intelligent contracts are stored in the core enterprise nodes and the upstream and downstream enterprise nodes, and authorization transfer intelligent contracts are stored in the fund party nodes and the core enterprise nodes;

the upstream and downstream enterprise nodes are configured to: sending a construction request of an incidence relation to a core enterprise node, wherein the construction request carries the following information: associating the voucher with an enterprise identifier of a target enterprise to be associated; the target enterprise is a core enterprise or a related enterprise of the core enterprise transmitted by means of credit authorization;

the core enterprise node is configured to: verifying the association certificate to obtain an association approval result;

and under the condition that the correlation approval result is passed, triggering the intelligent contract of the correlation relationship to execute correlation and evidence storage operation: generating enterprise association relation information, and storing the enterprise association relation information and the association certificate into an account book of the block chain system;

the core enterprise node is further configured to: sending a transfer request for available credit information about financing to the funder node;

the funder node is to: verifying the available credit granting information to obtain a transmission approval result;

and triggering the credit transfer intelligent contract to execute the credit transfer operation under the condition that the transfer approval result is passed: binding the available credit information and the enterprise association relation information, and storing the bound information and the enterprise association relation information into an account book of the block chain system;

the upstream and downstream enterprise nodes are further configured to: sending a financing request to the fund side node, wherein the financing request carries: enterprise identification of the current upstream and downstream enterprises, identification of the core enterprise and financing amount;

the funder node is further to: verifying whether the first enterprise, the nominal association core enterprise and the financing amount are legal or not according to enterprise uplink information, enterprise association relation information and available credit information stored in an account book of the block chain system; wherein the available credit information is bound with enterprise association relationship information of the core enterprise; and issuing funds to the first enterprise node and updating the available credit information under the condition that the first enterprise, the nominal associated core enterprise and the financing amount are legal.

12. An electronic device is characterized by comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory are communicated with each other through the communication bus;

a memory for storing a computer program;

a processor for implementing the method of any one of claims 1 to 8 when executing a program stored in a memory.

13. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method of any one of claims 1-8.