CN116681515A - Financing guarantee settlement method and system based on blockchain - Google Patents

Financing guarantee settlement method and system based on blockchain Download PDF

Info

Publication number
CN116681515A
CN116681515A CN202310697662.8A CN202310697662A CN116681515A CN 116681515 A CN116681515 A CN 116681515A CN 202310697662 A CN202310697662 A CN 202310697662A CN 116681515 A CN116681515 A CN 116681515A
Authority
CN
China
Prior art keywords
financing
guarantee
amount
fund
funds
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202310697662.8A
Other languages
Chinese (zh)
Inventor
张波
梁士博
杨志忠
郝明
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Liangjiang Technology Co ltd
Original Assignee
Beijing Liangjiang Technology Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Beijing Liangjiang Technology Co ltd filed Critical Beijing Liangjiang Technology Co ltd
Priority to CN202310697662.8A priority Critical patent/CN116681515A/en
Publication of CN116681515A publication Critical patent/CN116681515A/en
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The invention particularly relates to a financing guarantee settlement method and system based on a blockchain. The method comprises the following steps: constructing a guarantee settlement platform and creating an intelligent contract; acquiring a financing amount application sent by a fund demand party, and writing the financing amount application into a guarantee settlement platform; obtaining the maximum guarantee amount generated by the financing guarantee party, and writing the maximum guarantee amount into a guarantee settlement platform; acquiring credit-giving financing amount distributed by a fund supplier for a fund demand party according to the maximum guarantee amount generated by the financing guarantee party, and writing the credit-giving financing amount into a guarantee settlement platform; acquiring a fund demand limit sent by a fund demand party; acquiring a corresponding amount of funds from the account of the funds provider according to the funds demand of the funds demander and transferring the funds into the account of the funds demander; and updating the credit and financing amount of the fund demand party. The invention ensures the authenticity and the safety of the guarantee settlement data through the blockchain technology, and can automatically realize the financing guarantee settlement among the fund demand party, the financing guarantee party and the fund supplier through the intelligent contract.

Description

Financing guarantee settlement method and system based on blockchain
Technical Field
The invention relates to the technical field of blockchain and guarantee settlement, in particular to a blockchain-based financing guarantee settlement method and system.
Background
The credit-giving and financing-guaranteeing service refers to the act that the financing-guaranteeing party applies to the funds-requiring party and promises to take over all obligations to the funds-supplying party by the financing-guaranteeing party when the funds-requiring party cannot perform. The current credit-giving and financing-guaranteeing business needs a fund supplier, a financing-guaranteeing party and a fund demand party to sign up together, and three parties need to record historical loan records and residual amounts respectively in the business execution process.
However, the credit and financing guarantee service in the prior art has the following problems: 1) The financing guarantee settlement needs the communication coordination of a plurality of participants such as a fund demand party, a fund supplier, a financing guarantee party and the like, so that the problems of asymmetric information, high communication cost, low efficiency and the like easily occur in the settlement process, and the effectiveness of the financing guarantee settlement is poor. 2) The data generated in the financing guarantee settlement process is easy to attack or tamper, and the authenticity and the safety of the guarantee settlement data cannot be ensured, so that the security of the financing guarantee settlement is poor. Therefore, how to design a method for improving the effectiveness and security of the financing security settlement is a technical problem to be solved.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to solve the technical problems that: how to provide a financing guarantee settlement method based on a blockchain, the authenticity and the safety of guarantee settlement data are ensured through a blockchain technology, and financing guarantee settlement among a fund demand party, a financing guarantee party and a fund supply party can be automatically realized through an intelligent contract, so that the effectiveness and the safety of the financing guarantee settlement can be improved.
In order to solve the technical problems, the invention adopts the following technical scheme:
the financing guarantee settlement method based on the blockchain comprises the following steps:
s1: constructing a guarantee settlement platform based on a blockchain technology, and creating an intelligent contract of the guarantee settlement platform for realizing financing guarantee settlement automatic processing;
s2: acquiring a financing amount application sent by a fund demand party, and writing the financing amount application into a guarantee settlement platform through an intelligent contract;
s3: the method comprises the steps of obtaining the maximum guarantee amount generated by a financing guarantee party according to a financing amount application of a fund demand party, and writing the maximum guarantee amount into a guarantee settlement platform through an intelligent contract;
s4: acquiring credit-giving financing amount distributed by a fund supplier for a fund demand party according to the maximum guarantee amount generated by the financing guarantee party, and writing the credit-giving financing amount into a guarantee settlement platform through an intelligent contract;
s5: acquiring a fund demand limit sent by a fund demand party;
s6: acquiring funds of corresponding amount from the account of the funds supplier according to the funds demand limit of the funds demander through the intelligent contract, and transferring the acquired funds into the account of the funds demander; and updating the credit and financing amount of the fund demand side, and writing the updated credit and financing amount into a corresponding block of the guarantee settlement platform.
Preferably, the financing guarantee party obtains financing credit information based on the financing amount application of the fund demand party, and then generates a corresponding maximum guarantee amount according to the financing credit information of the fund demand party and the financing amount application.
Preferably, the fund supplier calculates the credit-giving financing amount distributed for the fund demander according to the maximum guarantee amount generated by the financing guarantee party and the preset financing risk coefficient.
Preferably, the intelligent contract is used for judging whether the fund demand limit of the fund demand party is smaller than or equal to the rest credit giving financing limit: if yes, acquiring funds of corresponding amount from the funds supplier; otherwise, no funds are acquired.
Preferably, the fund requiring party obtains a pair of public and private key pairs for encrypting the issued fund requiring amount.
Preferably, the fund demand party firstly encrypts the fund demand line through the public key to obtain a demand line ciphertext; then carrying out hash operation on the demand line ciphertext through a hash function to obtain a demand line hash value; encrypting the hash value of the demand line by using a private key to obtain a digital signature; and finally, sending out the fund demand limit, the digital signature and the public key.
Preferably, after acquiring the fund demand limit, the digital signature and the public key sent by the fund demand party, the intelligent contract performs identity verification based on the digital signature and the public key, and after the identity verification is passed, the intelligent contract acquires the fund of the corresponding amount from the fund supply party;
the identity authentication process is as follows:
s501: decrypting the digital signature through the public key to obtain a corresponding demand line hash value;
s502: encrypting the fund demand limit by a public key to obtain a real-time limit ciphertext;
s503: carrying out hash operation on the real-time line ciphertext through a hash function to obtain a real-time line hash value;
s504: comparing whether the demand line hash value is consistent with the real-time line hash value or not: if yes, passing the identity verification; otherwise, the identity verification fails.
The invention also discloses a financing guarantee settlement system based on the blockchain, which is implemented based on the financing guarantee settlement method based on the blockchain, and comprises the following steps:
a guarantee settlement platform is constructed based on a blockchain technology;
an intelligent contract for realizing the automatic processing of financing guarantee settlement;
the financing application module is used for sending out a financing amount application by the fund demand party;
the financing guarantee module is used for the financing guarantee party to generate the maximum guarantee amount according to the financing amount application of the fund demand party;
the credit distribution module is used for providing the credit and financing credit distributed by the fund supplier for the fund demand side according to the maximum guarantee credit generated by the financing guarantee side;
the financing request module is used for the fund demand party to send out the fund demand limit;
the financing execution module is used for acquiring funds of corresponding amount from the account of the funds supplier according to the funds demand limit of the funds demander through the intelligent contract and transferring the acquired funds into the account of the funds demander; and updating the credit and financing amount of the fund demand side, and writing the updated credit and financing amount into a corresponding block of the guarantee settlement platform.
Preferably, the financing guarantee module is used for acquiring financing credit information based on the financing amount application of the fund demand side, and further generating a corresponding maximum guarantee amount according to the financing credit information of the fund demand side and the financing amount application.
Preferably, the credit allocation module is used for calculating the credit-giving financing credit allocated to the fund demand side according to the maximum guarantee credit generated by the financing guarantee side and the preset financing risk coefficient.
Preferably, the financing execution module is configured to determine, through the intelligent contract, whether the funds demand limit of the funds demander is less than or equal to the remaining credit-giving financing limit: if yes, acquiring funds of corresponding amount from the funds supplier; otherwise, no funds are acquired.
Preferably, the financing request module encrypts the fund demand line through the public key to obtain a demand line ciphertext; then carrying out hash operation on the demand line ciphertext through a hash function to obtain a demand line hash value; encrypting the hash value of the demand line by using a private key to obtain a digital signature; and finally, sending out the fund demand limit, the digital signature and the public key.
Preferably, after acquiring the fund demand limit, the digital signature and the public key sent by the fund demand party, the financing execution module performs identity verification based on the digital signature and the public key, and acquires the fund of the corresponding amount from the fund supply party after the identity verification is passed;
the identity authentication process is as follows:
decrypting the digital signature through the public key to obtain a corresponding demand line hash value;
encrypting the fund demand limit by a public key to obtain a real-time limit ciphertext;
carrying out hash operation on the real-time line ciphertext through a hash function to obtain a real-time line hash value;
comparing whether the demand line hash value is consistent with the real-time line hash value or not: if yes, passing the identity verification; otherwise, the identity verification fails.
Compared with the prior art, the financing guarantee settlement method based on the blockchain has the following beneficial effects:
the invention constructs the guarantee settlement platform through the blockchain technology, and writes the information such as the financing amount application, the maximum guarantee amount, the credit financing amount and the like generated in the financing guarantee settlement process into the blocks of the guarantee settlement platform, so that the characteristics of decentralization, non-falsification, high safety and the like of the blockchain technology can be utilized to ensure the authenticity and the safety of the guarantee settlement data, namely the guarantee settlement data is not easy to attack or falsify, thereby improving the safety of the financing guarantee settlement. Meanwhile, the security settlement platform adopts a distributed storage technology, security settlement data are stored on a plurality of nodes, and once a certain node crashes, the security settlement data can be stored and retrieved on other nodes, so that the non-loss and the restorability of the data are ensured.
According to the invention, the intelligent contract is used for acquiring the funds with the corresponding amount from the account of the fund supplier according to the fund demand limit of the fund supplier, the acquired funds are transferred into the account of the fund supplier, and meanwhile, the credit-giving financing limit of the fund supplier is updated and written into the guarantee settlement platform through the intelligent contract, so that the financing guarantee settlement among the fund supplier, the financing guarantee supplier and the fund supplier can be automatically realized through the intelligent contract, the problems of asymmetric information, high communication cost, low efficiency and the like in the existing method are solved, the docking cost is further reduced, the settlement efficiency and the supervision efficiency are further improved, and the verifiability and the programmability of the intelligent contract can also help to reduce unnecessary human intervention, thereby improving the efficiency and the effectiveness of the financing guarantee settlement.
Drawings
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings, in which:
FIG. 1 is a logical block diagram of a blockchain-based financing vouching settlement method;
fig. 2 is a system block diagram of a blockchain-based financing vouching settlement system.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more clear, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. It will be apparent that the described embodiments are some, but not all, embodiments of the invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures. In the description of the present invention, it should be noted that, directions or positional relationships indicated by terms such as "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc., are directions or positional relationships based on those shown in the drawings, or are directions or positional relationships conventionally put in use of the inventive product, are merely for convenience of describing the present invention and simplifying the description, and are not indicative or implying that the apparatus or element to be referred to must have a specific direction, be constructed and operated in a specific direction, and thus should not be construed as limiting the present invention. Furthermore, the terms "first," "second," "third," and the like are used merely to distinguish between descriptions and should not be construed as indicating or implying relative importance. Furthermore, the terms "horizontal," "vertical," and the like do not denote a requirement that the component be absolutely horizontal or overhang, but rather may be slightly inclined. For example, "horizontal" merely means that its direction is more horizontal than "vertical" and does not mean that the structure must be perfectly horizontal, but may be slightly tilted. In the description of the present invention, it should also be noted that, unless explicitly specified and limited otherwise, the terms "disposed," "mounted," "connected," and "connected" are to be construed broadly, and may be, for example, fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; can be directly connected or indirectly connected through an intermediate medium, and can be communication between two elements. The specific meaning of the above terms in the present invention will be understood in specific cases by those of ordinary skill in the art.
The following is a further detailed description of the embodiments:
embodiment one:
the embodiment discloses a financing guarantee settlement method based on a blockchain.
As shown in fig. 1, the block chain-based financing guarantee settlement method includes:
s1: constructing a guarantee settlement platform based on a blockchain technology, and creating an intelligent contract of the guarantee settlement platform for realizing financing guarantee settlement automatic processing;
in this embodiment, the vouch-for settlement platform uses Fiscobcos as the underlying blockchain.
Smart contracts are automatically executed contract code that are authenticated and programmable to help reduce unnecessary human intervention. Intelligent contracts are computer agreements that aim to propagate, verify, or execute contracts in an informative manner. Smart contracts allow trusted transactions to be made without third parties, which transactions are traceable and irreversible. The intelligent contracts operate in the same manner as conventional contracts, and automatically execute the contracts. An intelligent contract is a program that is fully in accordance with the setting (encoding, programming) line of its creator. Just as traditional contracts may be enforced by law, intelligent contracts may be enforced by code.
S2: acquiring a financing amount application sent by a fund demand party, and writing the financing amount application into a guarantee settlement platform through an intelligent contract;
s3: the method comprises the steps of obtaining the maximum guarantee amount generated by a financing guarantee party according to a financing amount application of a fund demand party, and writing the maximum guarantee amount into a guarantee settlement platform through an intelligent contract;
s4: acquiring credit-giving financing amount distributed by a fund supplier for a fund demand party according to the maximum guarantee amount generated by the financing guarantee party, and writing the credit-giving financing amount into a guarantee settlement platform through an intelligent contract;
s5: acquiring a fund demand limit sent by a fund demand party;
s6: acquiring funds of corresponding amount from the account of the funds supplier according to the funds demand limit of the funds demander through the intelligent contract, and transferring the acquired funds into the account of the funds demander; and updating the credit and financing amount of the fund demand side, and writing the updated credit and financing amount into a corresponding block of the guarantee settlement platform.
The invention constructs the guarantee settlement platform through the blockchain technology, and writes the information such as the financing amount application, the maximum guarantee amount, the credit financing amount and the like generated in the financing guarantee settlement process into the blocks of the guarantee settlement platform, so that the characteristics of decentralization, non-falsification, high safety and the like of the blockchain technology can be utilized to ensure the authenticity and the safety of the guarantee settlement data, namely the guarantee settlement data is not easy to attack or falsify, thereby improving the safety of the financing guarantee settlement. Meanwhile, the security settlement platform adopts a distributed storage technology, security settlement data are stored on a plurality of nodes, and once a certain node crashes, the security settlement data can be stored and retrieved on other nodes, so that the non-loss and the restorability of the data are ensured.
According to the invention, the intelligent contract is used for acquiring the funds with the corresponding amount from the account of the fund supplier according to the fund demand limit of the fund supplier, the acquired funds are transferred into the account of the fund supplier, and meanwhile, the credit-giving financing limit of the fund supplier is updated and written into the guarantee settlement platform through the intelligent contract, so that the financing guarantee settlement among the fund supplier, the financing guarantee supplier and the fund supplier can be automatically realized through the intelligent contract, the problems of asymmetric information, high communication cost, low efficiency and the like in the existing method are solved, the docking cost is further reduced, the settlement efficiency and the supervision efficiency are further improved, and the verifiability and the programmability of the intelligent contract can also help to reduce unnecessary human intervention, thereby improving the efficiency and the effectiveness of the financing guarantee settlement.
In the implementation process, the financing guarantee party obtains financing credit information based on the financing amount application of the fund demand party, and then generates a corresponding maximum guarantee amount according to the financing credit information of the fund demand party and the financing amount application.
According to the invention, the financing credit utilization degree of the financing demander is analyzed according to the financing credit information of the financing demander, and then the maximum guarantee limit is effectively generated by combining with the financing limit application, so that the effectiveness of financing guarantee settlement can be further improved.
In the specific implementation process, the fund supplier calculates the credit-giving financing amount distributed for the fund demander according to the maximum guarantee amount generated by the financing guarantee party and the preset financing risk coefficient.
In this embodiment, the financing risk factor is set to 0.8.
The invention can accurately calculate the credit and financing amount distributed for the fund demand party through the maximum guarantee amount and the preset financing risk coefficient, and can further improve the effectiveness of financing guarantee settlement.
In the specific implementation process, firstly, judging whether the fund demand limit of the fund demand party is smaller than or equal to the rest credit giving financing limit through an intelligent contract: if yes, acquiring funds of corresponding amount from the funds supplier; otherwise, no funds are acquired.
In a specific implementation process, a fund demand party obtains a pair of public and private key pairs for encrypting an issued fund demand amount.
In this embodiment, the public key and the private key are generated for the supervisor by an asymmetric encryption algorithm.
The public and private keys generated by the asymmetric encryption algorithm have semantic security, and the semantic security means that under the condition that the private key is not obtained, an attacker cannot deduce any useful information of a plaintext through a ciphertext, so that the security of financing guarantee settlement can be improved in an auxiliary mode.
In the specific implementation process, a fund demand party firstly encrypts a fund demand line through a public key to obtain a demand line ciphertext; then carrying out hash operation on the demand line ciphertext through a hash function to obtain a demand line hash value; encrypting the hash value of the demand line by using a private key to obtain a digital signature; and finally, sending out the fund demand limit, the digital signature and the public key.
After the intelligent contract obtains the fund demand limit, the digital signature and the public key sent by the fund demand party, firstly carrying out identity verification based on the digital signature and the public key, and obtaining the fund of the corresponding amount from the fund supply party after the identity verification is passed;
the identity authentication process is as follows:
s501: decrypting the digital signature through the public key to obtain a corresponding demand line hash value;
s502: encrypting the fund demand limit by a public key to obtain a real-time limit ciphertext;
s503: carrying out hash operation on the real-time line ciphertext through a hash function to obtain a real-time line hash value;
s504: comparing whether the demand line hash value is consistent with the real-time line hash value or not: if yes, passing the identity verification; otherwise, the identity verification fails.
The invention generates the digital signature by carrying out public key encryption, hash operation and private key encryption on the fund demand line of the fund demand party, and further realizes the identity verification of the fund demand party by comparing the demand line hash value with the real-time line hash value, so that the security of the financing guarantee settlement data can be ensured by a digital signature technology and an encryption technology, the integrity, the authenticity and the non-repudiation of the data can be ensured by the digital signature, the data is prevented from being tampered and denied, the confidentiality of the data can be ensured by the encryption technology, the data leakage is prevented, and the security of the financing guarantee settlement can be further improved.
Embodiment two:
the embodiment discloses a financing guarantee settlement method with a multiparty joint confirmation function.
A financing guarantee settlement method with a multiparty joint confirmation function comprises the following steps:
step 1: two public-private key pairs, namely a first private key and a first public key and a second private key and a second public key, are generated by an asymmetric encryption algorithm.
Step 2: dividing the first private key into three parts of first sub-keys, and distributing the three parts of first sub-keys to a fund demand side terminal, a financing guarantee side terminal and a fund supply side terminal; and distributing the second public key to the fund demand side terminal, the financing guarantee side terminal and the fund supplier side terminal.
In this embodiment, the first private key is divided by using a conventional mature technology.
Step 3: corresponding data description information (namely introduction information of the data information) is generated according to the data information.
Step 4: firstly, encrypting data information through a first public key to generate a data information ciphertext; encrypting the data description information through a second private key to generate a description information ciphertext; and finally, respectively transmitting the data information ciphertext and the description information ciphertext to the fund demand side terminal, the financing guarantee side terminal and the fund supplier side terminal.
Step 5: firstly, receiving data information ciphertext and description information ciphertext at a fund demand side terminal, a financing guarantee side terminal and a fund supply side terminal; then decrypting the description information ciphertext through the second public key to obtain a plaintext of the data description information; and then unilaterally confirming the uploaded data (checking whether the description information of the data information is accurate) through the plaintext of the data description information.
Step 6: after the single party confirmation is passed, the corresponding prompt message of the single party confirmation success is generated, and then the partial decryption is carried out on the data information ciphertext through the first sub-key of the prompt message, so as to generate the corresponding partial decryption data.
If the confirmation is not passed, a prompt message of failure of the unilateral confirmation is generated.
In this embodiment, the funds-requiring terminal, the financing-guaranteeing terminal, and the funds-supplying terminal may implement unilateral confirmation by means of manual confirmation. The partial decryption adopts the prior mature technology, namely, partial plaintext data is obtained by decrypting the data information ciphertext.
Step 7: receiving prompt information of success confirmation of a single party generated by a fund demand side terminal, a financing guarantee side terminal and a fund supply side terminal; then after each terminal generates prompt information of single party confirmation success, judging that the multi-party confirmation is successful, and generating corresponding prompt information of the multi-party confirmation success; and finally, restoring the decrypted data according to parts of the terminals to obtain the plaintext of the data information, and writing the plaintext of the corresponding data information into the guarantee settlement platform through the intelligent contract.
If any one or more terminals generate prompt information of single-party confirmation failure, the multi-party confirmation fails, data information is not restored, and the prompt information of the multi-party confirmation failure is sent to each terminal.
Step 8: and writing prompting information of single party confirmation success and prompting information of single party confirmation failure generated by the fund demand party terminal, the financing guarantee party terminal and the fund supplier terminal, and the generated prompting information of multi party confirmation success and prompting information of multi party confirmation failure into a guarantee settlement platform through an intelligent contract.
The invention generates the corresponding data description information according to the data information, encrypts the data description information through the second private key, so that the fund demand side terminal, the financing guarantee side terminal and the fund supply side terminal can decrypt the plaintext of the data description information through the second public key and perform unilateral confirmation, and then can perform multi-party confirmation on the data information through a plurality of participants of each terminal before writing the data information into the guarantee settlement platform, thereby improving the writing security of the financing guarantee settlement data information.
The invention carries out multiparty confirmation and partial decryption on the data information through the fund demand side terminal, the financing guarantee side terminal and the fund supply side terminal, judges that the supervision party is successful after all terminals complete unilateral confirmation, and restores the data according to the partial decryption data of each terminal to obtain the plaintext of the data information. Because each terminal only has a part of the first private key, any terminal can not completely decrypt the data information ciphertext, but can only realize partial decryption by using the first sub-key of the terminal after unilateral confirmation is successful, and the restoration of the data information (namely, the complete decryption of the data information ciphertext) can be realized after all terminals complete unilateral confirmation and partial decryption, so that the multiparty confirmation of each terminal and multiparty joint confirmation decryption of the data information can be simultaneously realized, the problem that the financing guarantee settlement data leakage is caused by false data information or private decryption of the data information of each participant can be avoided, and the safety of financing guarantee settlement can be further improved.
Embodiment III:
the embodiment discloses a financing guarantee settlement system based on a blockchain, which is implemented based on the financing guarantee settlement method based on the blockchain in the first embodiment.
As shown in fig. 2, the blockchain-based financing vouching settlement system includes:
a guarantee settlement platform is constructed based on a blockchain technology;
an intelligent contract for realizing the automatic processing of financing guarantee settlement;
the financing application module is used for sending out a financing amount application by the fund demand party;
the financing guarantee module is used for the financing guarantee party to generate the maximum guarantee amount according to the financing amount application of the fund demand party;
in this embodiment, the financing guarantee module is configured to obtain financing credit information based on a financing amount application of a fund demand party, and further generate a corresponding maximum guarantee amount according to the financing credit information of the fund demand party and the financing amount application.
The credit distribution module is used for providing the credit and financing credit distributed by the fund supplier for the fund demand side according to the maximum guarantee credit generated by the financing guarantee side;
in this embodiment, the credit allocation module is configured to calculate the credit-giving financing credit allocated to the fund demand side according to the maximum guarantee credit generated by the financing guarantee side and the preset financing risk coefficient.
The financing request module is used for the fund demand party to send out the fund demand limit;
the financing execution module is used for acquiring funds of corresponding amount from the account of the funds supplier according to the funds demand limit of the funds demander through the intelligent contract and transferring the acquired funds into the account of the funds demander; and updating the credit and financing amount of the fund demand side, and writing the updated credit and financing amount into a corresponding block of the guarantee settlement platform.
In this embodiment, the financing execution module is configured to determine, through the intelligent contract, whether the funds demand limit of the funds demander is less than or equal to the remaining credit-giving financing limit: if yes, acquiring funds of corresponding amount from the funds supplier; otherwise, no funds are acquired.
The invention constructs the guarantee settlement platform through the blockchain technology, and writes the information such as the financing amount application, the maximum guarantee amount, the credit financing amount and the like generated in the financing guarantee settlement process into the blocks of the guarantee settlement platform, so that the characteristics of decentralization, non-falsification, high safety and the like of the blockchain technology can be utilized to ensure the authenticity and the safety of the guarantee settlement data, namely the guarantee settlement data is not easy to attack or falsify, thereby improving the safety of the financing guarantee settlement. Meanwhile, the security settlement platform adopts a distributed storage technology, security settlement data are stored on a plurality of nodes, and once a certain node crashes, the security settlement data can be stored and retrieved on other nodes, so that the non-loss and the restorability of the data are ensured.
According to the invention, the intelligent contract is used for acquiring the funds with the corresponding amount from the account of the fund supplier according to the fund demand limit of the fund supplier, the acquired funds are transferred into the account of the fund supplier, and meanwhile, the credit-giving financing limit of the fund supplier is updated and written into the guarantee settlement platform through the intelligent contract, so that the financing guarantee settlement among the fund supplier, the financing guarantee supplier and the fund supplier can be automatically realized through the intelligent contract, the problems of asymmetric information, high communication cost, low efficiency and the like in the existing method are solved, the docking cost is further reduced, the settlement efficiency and the supervision efficiency are further improved, and the verifiability and the programmability of the intelligent contract can also help to reduce unnecessary human intervention, thereby improving the efficiency and the effectiveness of the financing guarantee settlement.
In the specific implementation process, the financing request module firstly encrypts the fund demand limit through a public key to obtain a demand limit ciphertext; then carrying out hash operation on the demand line ciphertext through a hash function to obtain a demand line hash value; encrypting the hash value of the demand line by using a private key to obtain a digital signature; and finally, sending out the fund demand limit, the digital signature and the public key.
After the financing execution module obtains the fund demand limit, the digital signature and the public key sent by the fund demand party, firstly carrying out identity verification based on the digital signature and the public key, and obtaining the fund of the corresponding amount from the fund supply party after the identity verification is passed;
the identity authentication process is as follows:
decrypting the digital signature through the public key to obtain a corresponding demand line hash value;
encrypting the fund demand limit by a public key to obtain a real-time limit ciphertext;
carrying out hash operation on the real-time line ciphertext through a hash function to obtain a real-time line hash value;
comparing whether the demand line hash value is consistent with the real-time line hash value or not: if yes, passing the identity verification; otherwise, the identity verification fails.
The invention generates the digital signature by carrying out public key encryption, hash operation and private key encryption on the fund demand line of the fund demand party, and further realizes the identity verification of the fund demand party by comparing the demand line hash value with the real-time line hash value, so that the security of the financing guarantee settlement data can be ensured by a digital signature technology and an encryption technology, the integrity, the authenticity and the non-repudiation of the data can be ensured by the digital signature, the data is prevented from being tampered and denied, the confidentiality of the data can be ensured by the encryption technology, the data leakage is prevented, and the security of the financing guarantee settlement can be further improved.
Finally, it should be noted that the above embodiments are only for illustrating the technical solution of the present invention and not for limiting the technical solution, and those skilled in the art should understand that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the present invention, and all such modifications and equivalents are included in the scope of the claims.

Claims (8)

1. The financing guarantee settlement method based on the blockchain is characterized by comprising the following steps:
s1: constructing a guarantee settlement platform based on a blockchain technology, and creating an intelligent contract of the guarantee settlement platform;
s2: acquiring a financing amount application sent by a fund demand party, and writing the financing amount application into a guarantee settlement platform through an intelligent contract;
s3: the method comprises the steps of obtaining the maximum guarantee amount generated by a financing guarantee party according to a financing amount application of a fund demand party, and writing the maximum guarantee amount into a guarantee settlement platform through an intelligent contract;
s4: acquiring credit-giving financing amount distributed by a fund supplier for a fund demand party according to the maximum guarantee amount generated by the financing guarantee party, and writing the credit-giving financing amount into a guarantee settlement platform through an intelligent contract;
s5: acquiring a fund demand limit sent by a fund demand party;
s6: acquiring funds of corresponding amount from the account of the funds supplier according to the funds demand limit of the funds demander through the intelligent contract, and transferring the acquired funds into the account of the funds demander; and updating the credit and financing amount of the fund demand side, and writing the updated credit and financing amount into a corresponding block of the guarantee settlement platform.
2. The blockchain-based financing vouching settlement method as in claim 1, wherein: in step S3, the financing guarantee party obtains the financing credit information based on the financing amount application of the fund demand party, and then generates the corresponding maximum guarantee amount according to the financing credit information of the fund demand party and the financing amount application.
3. The blockchain-based financing vouching settlement method as in claim 2, wherein: in step S4, the fund supplier calculates the credit-giving financing amount allocated to the fund demander according to the maximum guarantee amount generated by the financing guarantee party and the preset financing risk coefficient.
4. The blockchain-based financing vouching settlement method as in claim 3, wherein: in step S6, first, whether the fund demand limit of the fund demand party is smaller than or equal to the remaining credit-giving financing limit is judged by the intelligent contract: if yes, acquiring funds of corresponding amount from the funds supplier; otherwise, no funds are acquired.
5. Financing guarantee settlement system based on block chain, which is characterized in that: a blockchain-based financing vouching settlement method implementation as in claim 1, comprising:
a guarantee settlement platform is constructed based on a blockchain technology;
an intelligent contract for realizing the automatic processing of financing guarantee settlement;
the financing application module is used for sending out a financing amount application by the fund demand party;
the financing guarantee module is used for the financing guarantee party to generate the maximum guarantee amount according to the financing amount application of the fund demand party;
the credit distribution module is used for providing the credit and financing credit distributed by the fund supplier for the fund demand side according to the maximum guarantee credit generated by the financing guarantee side;
the financing request module is used for the fund demand party to send out the fund demand limit;
the financing execution module is used for acquiring funds of corresponding amount from the account of the funds supplier according to the funds demand limit of the funds demander through the intelligent contract and transferring the acquired funds into the account of the funds demander; and updating the credit and financing amount of the fund demand side, and writing the updated credit and financing amount into a corresponding block of the guarantee settlement platform.
6. The blockchain-based financing vouching settlement system as in claim 5 wherein: the financing guarantee module is used for acquiring financing credit information based on the financing amount application of the fund demand party, and further generating a corresponding maximum guarantee amount according to the financing credit information of the fund demand party and the financing amount application.
7. The blockchain-based financing vouching settlement system as in claim 5 wherein: and the credit allocation module is used for calculating the credit-giving financing credit allocated to the fund demand party according to the maximum guarantee credit generated by the financing guarantee party and the preset financing risk coefficient.
8. The blockchain-based financing vouching settlement system as in claim 5 wherein: the financing execution module is used for judging whether the fund demand limit of the fund demand party is smaller than or equal to the rest credit-giving financing limit through the intelligent contract: if yes, acquiring funds of corresponding amount from the funds supplier; otherwise, no funds are acquired.
CN202310697662.8A 2023-06-13 2023-06-13 Financing guarantee settlement method and system based on blockchain Pending CN116681515A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202310697662.8A CN116681515A (en) 2023-06-13 2023-06-13 Financing guarantee settlement method and system based on blockchain

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202310697662.8A CN116681515A (en) 2023-06-13 2023-06-13 Financing guarantee settlement method and system based on blockchain

Publications (1)

Publication Number Publication Date
CN116681515A true CN116681515A (en) 2023-09-01

Family

ID=87778863

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202310697662.8A Pending CN116681515A (en) 2023-06-13 2023-06-13 Financing guarantee settlement method and system based on blockchain

Country Status (1)

Country Link
CN (1) CN116681515A (en)

Similar Documents

Publication Publication Date Title
CN107911216B (en) Block chain transaction privacy protection method and system
CN109672537B (en) Anti-quantum certificate acquisition system and method based on public key pool
CN112950367B (en) Method and device for generating and executing intelligent contract transaction
US10630486B2 (en) Multiparty computation for approving digital transaction by utilizing groups of key shares
CN108769010B (en) Method and device for node invited registration
JP2005328574A (en) Cryptographic system and method with key escrow feature
CN109800588B (en) Dynamic bar code encryption method and device and dynamic bar code decryption method and device
CN111464315B (en) Digital signature processing method, device, computer equipment and storage medium
CN111429138A (en) Block link point data safety interaction method and first interaction node
CN110380859B (en) Quantum communication service station identity authentication method and system based on asymmetric key pool pair and DH protocol
CN115345618B (en) Block chain transaction verification method and system based on mixed quantum digital signature
CN112149077B (en) Supply chain billing method, system and computer equipment based on block chain technology
CN110380845A (en) Quantum secret communication alliance chain method of commerce based on group's pool of symmetric keys, system, equipment
CN115203749A (en) Data transaction method and system based on block chain
CN116308776A (en) Transaction supervision method and device based on blockchain, electronic equipment and storage medium
CN103108245A (en) Smart television payment secret key system and payment method based on smart television
CN116132118A (en) Encryption communication method and system based on block chain technology
CN115242553A (en) Data exchange method and system supporting secure multi-party computation
CN113328854B (en) Service processing method and system based on block chain
CN110796448A (en) Intelligent contract verification method based on block chain, participating node and medium
CN116703593A (en) Electronic warranty business supervision and approval method and system based on blockchain
CN115705601A (en) Data processing method and device, computer equipment and storage medium
CN110266483B (en) Quantum communication service station key negotiation method, system and device based on asymmetric key pool pair and QKD
CN111464298A (en) Data processing method and device in block chain and block chain network
CN111553686A (en) Data processing method and device, computer equipment and storage medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination