CN117196874A - Accounts receivable type letter increasing method and equipment based on block chain - Google Patents
Accounts receivable type letter increasing method and equipment based on block chain Download PDFInfo
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Abstract
The application relates to a block chain-based accounts receivable and credit increasing method and equipment, comprising the steps of constructing a alliance block chain network with an accounts receivable and credit increasing function, issuing an organization certificate and generating an organization node; development, compiling and deployment of an accounts receivable and credit enhancing function intelligent contract; constructing a transaction request of an intelligent contract with an accounts receivable and a letter increasing function; submitting the transaction request to a alliance blockchain network processing request response of an accounts receivable and credit increasing function. The application introduces the institutions such as banks, insurance companies, security companies, right management service institutions, asset management companies and the like, combines effective asset (quality) protection and a certain proportion of guarantee money and the like to carry out combined credit increase for accounts receivable, realizes the safe sharability, difficult tampering and traceability of the data of each institution through a blockchain technology, improves the credit level of the accounts receivable based on the data credit mode, enhances the circulation and financing availability of the accounts receivable, and relieves the problems of difficult financing and the like of civil enterprises and small and medium-sized and micro enterprises.
Description
Technical Field
The application relates to the technical field of Internet, in particular to a block chain-based accounts receivable and credit increasing method and equipment.
Background
The large amount of accounts receivable owned by various economic bodies, especially civil enterprises and small and medium-sized micro enterprises, are difficult to financing, expensive to financing and slow to financing due to insufficient credit of the accounts receivable, relatively lack of mortgages, asymmetric information and the like; and the block chain technology is combined to complete the credit-added examination of the accounts receivable, so that the traceability, difficult tampering, safe and shareable of data can be realized, the credit level of the accounts receivable is improved based on a data credit mode, the circulation of the accounts receivable and the availability of financing are enhanced, and the problems of difficult financing of civil enterprises and small and medium-sized micro enterprises are alleviated.
Disclosure of Invention
The application provides a block chain-based accounts receivable type credit increasing method, equipment and a storage medium, which can at least solve one of the technical problems in the background technology.
In order to achieve the above purpose, the present application adopts the following technical scheme:
a block chain based accounts receivable increasing method is implemented by computer equipment,
building a alliance blockchain network with an accounts receivable and letter increment function, issuing an organization certificate, and generating an organization node;
development, compiling and deployment of an accounts receivable and credit enhancing function intelligent contract;
constructing a transaction request of an intelligent contract with an accounts receivable and a letter increasing function;
submitting the transaction request to a alliance blockchain network processing request response of an accounts receivable and credit increasing function;
preferably, the issuing of the institution certificate, the institution comprises: liability management service institutions, banks, insurance companies, guarantee companies, asset management companies, etc.;
preferably, generating organization nodes, wherein one organization can generate a plurality of nodes, and each node is generated for an organization such as a right management service organization, a bank, an insurance company, a guarantee company, an asset management company and the like;
preferably, the development content of the accounts receivable type credit increasing function intelligent contract comprises: the system comprises a letter increasing acceptance function, a business pushing function, a bank letter granting function, a guarantee insurance function, a performance guarantee function, a guarantee payment function, a promised purchase function, an effective asset (quality) giving function and a letter increasing information inquiry function;
preferably, the deployment of the accounts receivable plus credit function intelligent contracts: deploying the compiled intelligent contracts to a alliance blockchain network with the account receiving and credit increasing functions, and returning information such as intelligent contract addresses after successful deployment;
preferably, the transaction request of constructing the accounts receivable and credit increasing function intelligent contract can be divided into: the method comprises the steps of adding a letter acceptance request, a business pushing request, a bank letter granting request, a guarantee insurance request, a performance guarantee request, a guarantee payment request, a promised purchase request, an effective asset (quality) credit request and a letter adding information inquiry request;
preferably, submitting the transaction request to a coalition blockchain network processing request response of the accounts receivable and credit increasing function comprises: and after the transaction request is received, broadcasting the transaction to the connected nodes, continuously taking out the transaction from a transaction pool, immediately packaging the collected transaction into blocks and sending the blocks to a consensus engine, verifying the blocks by the consensus engine and carrying out consensus in a network, checking block information (such as block height and the like) after the block verification is correct and the nodes in the network agree, writing block data and table data into a bottom layer storage, and finishing block uplink. After the accounts receivable completes the credit increase and is stored in a chain, when the accounts receivable subsequently flows (such as transfer, mortgage and the like), the related parties can query the credit increase information of the accounts receivable in real time, so that the flow of the accounts receivable can be quickened, and the accounts receivable is converted into the asset with better fluidity.
In yet another aspect, the application also discloses a computer readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of the method as described above.
In yet another aspect, the application also discloses a computer device comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of the method as above.
According to the technical scheme, the block chain-based accounts receivable credit increasing method and system are used for realizing traceability, difficult tampering and safe sharing of the accounts receivable data, improving the credit level of the accounts receivable and enhancing the circulation and financing availability of the accounts receivable.
Compared with the prior art, the application has the following technical effects:
the application introduces the institutions such as banks, insurance companies, security companies, right management service institutions, asset management companies and the like, combines effective asset (quality) protection and a certain proportion of guarantee money and the like to carry out combined credit increase for accounts receivable, realizes the safe sharability, difficult tampering and traceability of the data of each institution through a blockchain technology, improves the credit level of the accounts receivable based on the data credit mode, enhances the circulation and financing availability of the accounts receivable, and relieves the problems of difficult financing and the like of civil enterprises and small and medium-sized and micro enterprises.
Drawings
FIG. 1 is a flow chart of the present application.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments of the present application.
As shown in fig. 1, the block chain-based accounts receivable type credit increasing method according to the present embodiment includes the following steps S1 to S4:
s1, constructing a alliance blockchain network with an accounts receivable and letter increment function, issuing an organization certificate, and generating an organization node;
s2, developing, compiling and deploying an accounts receivable and credit increasing function intelligent contract;
s3, constructing a transaction request of an intelligent contract with an accounts receivable and credit increasing function;
s4, submitting the transaction request to a alliance blockchain network processing request response of an accounts receivable type credit increasing function;
specifically, the certificate of the alliance blockchain network with the account-receiving and letter-increasing functions adopts a CA-oriented access mechanism and a three-level certificate structure, which are respectively a chain certificate, a mechanism certificate and a node certificate from top to bottom, so that the confidentiality, the authentication, the integrity and the non-repudiation of information are ensured.
An organization node is generated, and one organization can generate a plurality of nodes, and each node is generated for organizations such as banks, insurance companies, guarantee companies, creditor management service organizations, asset management companies and the like.
The intelligent contract of the accounts receivable and trust increasing function uses a CRUD interface development mode to create a table through the contract, and performs the operations of adding, deleting and checking the created table. A table t _ credit for managing the credit investigation is designed for the application, the method at least comprises the fields of a main key creditid, a creditor code, a creditor amount amountof creditor, a creditor name, a creditor debtor name, a censoring information checkinfo, a censoring information accessory checkinfo_file, a bank credit information bankifo, a bank credit information accessory checkinfo_file, an insurance underwriting information insenfo, an insurance underwriting information accessory insurinfo_file, an insurance information securityinfo, an insurance information accessory securityinfo_file, a security information deposiinfo, a security information deposiinfo_file, a security information accessory proceseinfo_file, an effective asset support (quality) information plegeinfo, an effective asset support information accessory plgeinfo_file and the like.
The development content of the receivables credit-enhancing function intelligent contract comprises the following steps:
the credit-increasing acceptance function is used for the crediting management service mechanism to accept and audit the service application which is directly transacted and pushed by the credit-increasing mechanism, the crediting management service mechanism writes the service application data and the service examination report into the blockchain, invokes the insert method of the contract and newly adds a credit-increasing record of the account-to-be-received;
the service pushing function is used for pushing the service to each letter increasing mechanism for letter increasing according to the service conditions and letter increasing requirements determined by service acceptance and examination to the right management service mechanism so as to implement each letter increasing measure;
the bank credit function is used for updating and writing bank credit information into the blockchain bank info\bank info_file according to the update method of the contract called by the main key after the bank examines the business data to be subjected to bank credit augmentation examination pushed by the credit management service mechanism;
ensuring an insurance function, wherein the insurance function is used for the insurance company to examine the business data of the credit-added examination of the to-be-insured company pushed by the creditor management service mechanism, and after the insurance company examines, updating and writing the insurance company underwriting information into the blockchain insureinfo\insureinfo_file according to an update method of a contract called by a main key;
the method comprises the steps of performing a guarantee function, namely, performing a guarantee company examination, checking business data of the to-be-guaranteed company credit augmentation examination pushed by a credit management service organization, and after the guarantee company is examined, invoking an update method of a contract according to a main key to update and write guarantee information of the guarantee company into a blockchain securityinfo\securityinfo_file;
a deposit payment function, which is used for the business applicant (debtor or initial creditor) to pay a certain proportion of deposit to the account assigned by the creditor management service mechanism according to the deposit proportion checked and confirmed by the creditor management service mechanism, and to update and write the paid deposit information into the blockchain deposinfo\deposinfo_file according to the update method of the contract called by the main key, so as to ensure the due purchase (payment);
and a promised acquisition function, wherein related service institutions such as asset management companies for providing the credited acquisition service can promise to acquire corresponding account-to-be-acquired bonds according to a certain condition and price after the service institutions examine according to the business data of the to-be-added acquisition promised pushed by the credited management service institutions, such as promised long-term acquisition, namely, 5 days, 15 days and 25 days of each month after the service institutions promise to be full of a locking period (such as 3 months), and creditors with a variation need can apply the credited held by 95 variation to the service institutions. Updating and writing acquisition promise related information into a blockchain promiseinfo\promiseinfo_file according to an update method of a main key call contract, and increasing the mobility of accounts receivable;
the effective asset (quality) guarantee function is used for providing effective asset (quality) guarantee approved by the crediting management service mechanism by the service applicant, and updating and writing effective asset (quality) guarantee information into the blockchain ploddeinfo\ploddeinfo_file according to an update method of a main key calling contract;
and the credit increasing information inquiry function is used for inquiring the credit increasing information of the accounts receivable by the creditor management service mechanism through a selection method of calling contracts by the unique identification of the accounts receivable.
In the above function, the hash operation is performed on the file content to write the hash value of the file content into the blockchain, so as to prevent the file content from being tampered with. When the file is fetched again, hash operation is carried out on the content, and if the content is consistent with the content stored on the chain, the content is considered to be credible and not tampered. If the hash values are different, the content is considered to have been tampered with and no longer trusted.
Further, the deployment of the accounts receivable and credit augmentation function intelligent contract: deploying the compiled intelligent contracts to a alliance blockchain network with the account receiving and credit increasing functions, and returning information such as intelligent contract addresses after successful deployment;
further, the transaction request of the intelligent contract of the accounts receivable and the credit increasing function is constructed, and the transaction request can be divided into: the method comprises the steps of adding a letter acceptance request, a business pushing request, a bank letter granting request, a guarantee insurance request, a performance guarantee request, a guarantee payment request, a promised purchase request, an effective asset (quality) credit request and a letter adding information inquiry request;
further, submitting the transaction request to a coalition blockchain network processing request response of the accounts receivable and credit increasing function, wherein the processing request response comprises the following steps: and after the transaction request is received, broadcasting the transaction to the connected nodes, continuously taking out the transaction from a transaction pool, immediately packaging the collected transaction into blocks and sending the blocks to a consensus engine, verifying the blocks by the consensus engine and carrying out consensus in a network, checking block information (such as block height and the like) after the block verification is correct and the nodes in the network agree, writing block data and table data into a bottom layer storage, and finishing block uplink.
It should be noted that, each organization node of the alliance blockchain network of the account-receiving and credit-increasing functions completely maintains a history of a transaction. The transaction record, once generated, is not tamperable in that other institution nodes will not recognize the modified information.
If a certain mechanism node A is closed accidentally at a certain moment, but other mechanism nodes are out of blocks, when the mechanism node is started again, the highest block height of the mechanism node A is found to be behind the other mechanism nodes, and the blocks with phase differences are written on the block chain, so that the data synchronization of the mechanism nodes is ensured.
In yet another aspect, the application also discloses a computer readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of the method as described above.
In yet another aspect, the application also discloses a computer device comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of the method as above.
In yet another embodiment of the present application, there is also provided a computer program product containing instructions that, when run on a computer, cause the computer to perform any of the blockchain-based accounts receivable type credit enhancing methods of the above embodiments.
It may be understood that the system provided by the embodiment of the present application corresponds to the method provided by the embodiment of the present application, and explanation, examples and beneficial effects of the related content may refer to corresponding parts in the above method.
The embodiment of the application also provides an electronic device, which 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;
and the processor is used for realizing the block chain-based accounts receivable type credit increasing method when executing the program stored in the memory.
The communication bus mentioned by the above electronic device may be a peripheral component interconnect standard (english: peripheral Component Interconnect, abbreviated: PCI) bus or an extended industry standard architecture (english: extended Industry Standard Architecture, abbreviated: EISA) bus, or the like. The communication bus may be classified as an address bus, a data bus, a control bus, or the like.
The communication interface is used for communication between the electronic device and other devices.
The Memory may include random access Memory (Random Access Memory, abbreviated as RAM) or nonvolatile Memory (NVM), such as at least one disk Memory. Optionally, the memory may also be at least one memory device located remotely from the aforementioned processor.
The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU for short), a network processor (Network Processor, NP for short), etc.; it may also be a digital signal processor (English: digital Signal Processing; DSP; for short), an application specific integrated circuit (English: application Specific Integrated Circuit; ASIC; for short), a Field programmable gate array (English: field-Programmable Gate Array; FPGA; for short), or other programmable logic device, discrete gate or transistor logic device, discrete hardware components.
In the above embodiments, it may be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, produces a flow or function in accordance with embodiments of the present application, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, or other programmable apparatus. The computer instructions may be stored in or transmitted from one computer-readable storage medium to another, for example, by wired (e.g., coaxial cable, optical fiber, digital Subscriber Line (DSL)), or wireless (e.g., infrared, wireless, microwave, etc.). The computer readable storage medium may be any available medium that can be accessed by a computer or a data storage device such as a server, data center, etc. that contains an integration of one or more available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid State Disk (SSD)), etc.
It is noted that 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. Moreover, 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 phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
In this specification, each embodiment is described in a related manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The above embodiments are only for illustrating the technical solution of the present application, and are not limiting; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.
Claims (11)
1. A block chain-based accounts receivable increasing method is characterized by comprising the following steps,
building a alliance blockchain network with an accounts receivable and letter increment function, issuing an organization certificate, and generating an organization node;
development, compiling and deployment of an accounts receivable and credit enhancing function intelligent contract;
constructing a transaction request of an intelligent contract with an accounts receivable and a letter increasing function;
submitting the transaction request to a alliance blockchain network processing request response of an accounts receivable and credit increasing function.
2. The blockchain-based accounts receivable credit increasing method of claim 1, wherein:
the certificate of the alliance blockchain network with the account-receiving and letter-increasing functions adopts a CA-oriented access mechanism and a three-level certificate structure, which are respectively a chain certificate, a mechanism certificate and a node certificate from top to bottom, so that the confidentiality, the authentication, the integrity and the non-repudiation of information are ensured.
3. The blockchain-based accounts receivable credit increasing method of claim 1, wherein: the generating mechanism node, one mechanism can generate a plurality of nodes, and the mechanism comprises banks, insurance companies, guarantee companies, right management service mechanisms and asset management companies to generate each node.
4. The blockchain-based accounts receivable credit increasing method of claim 1, wherein:
the development content of the receivables credit-enhancing function intelligent contract comprises the following steps: the system comprises a letter increasing acceptance function, a business pushing function, a bank letter granting function, a insurance guaranteeing function, a performance guarantee function, a deposit payment guaranteeing function, a promised purchase acceptance function, an effective asset mortgage resisting function and a letter increasing information inquiry function;
wherein,
the credit-increasing acceptance function is used for the crediting management service mechanism to accept and audit the service application which is directly transacted and pushed by the credit-increasing mechanism, the crediting management service mechanism writes the service application data and the service examination report into the blockchain, invokes the insert method of the contract and newly adds a credit-increasing record of the account-to-be-received;
the service pushing function is used for pushing the service to each letter increasing mechanism for letter increasing according to the service conditions and letter increasing requirements determined by service acceptance and examination to the right management service mechanism so as to implement each letter increasing measure;
the bank credit function is used for updating and writing bank credit information into the blockchain bank info bank info_file according to the update method of the contract called by the main key after the bank is checked by the bank;
ensuring an insurance function, wherein the insurance function is used for an insurance company to examine the business data of the credit-added examination of the to-be-insured company pushed by the creditor management service mechanism, and after the insurance company examines, updating and writing the insurance company underwriting information into the blockchain insureinurineureinfo_file according to an update method of a main key call contract;
the method comprises the steps of performing a guarantee function, namely, performing a guarantee company examination, checking business data of the to-be-guaranteed company credit augmentation examination pushed by a credit management service organization, and after the guarantee company is examined, invoking an update method of a contract according to a main key to update and write guarantee information of the guarantee company into a blockchain securitylnterfolyinfo_file;
a deposit payment function for the business applicant to pay a certain proportion of deposit to the deposit management service organization according to the deposit proportion checked and confirmed by the deposit management service organization, according to the update method of the contract called by the main key, updating and writing the paid performance guarantee information into the blockchain depositiondepositionfile for guaranteeing due purchase;
a commitment acquisition function, wherein the related service mechanism of the asset management company for providing the credited acquisition service is used for committing the corresponding account-to-be-acquired credit right according to the service data of the additional acquisition commitment which is pushed by the credited management service mechanism, and the corresponding account-to-be-acquired credit right can be acquired by the service mechanism according to the set condition and the price after the service mechanism examines; according to the update method of the contract called by the main key, updating and writing the acquisition promise related information into a blockchain procimeinfoprocimeinfo_file, and increasing the mobility of accounts receivable;
the effective asset mortgage function is used for providing effective asset mortgage guarantee approved by the bond management service mechanism by the service applicant, and updating and writing effective asset mortgage information into the blockchain pledgeinfolepliedbifo_file according to an update method of a main key calling contract;
and the credit increasing information inquiry function is used for inquiring the credit increasing information of the accounts receivable by the creditor management service mechanism through a selection method of calling contracts by the unique identification of the accounts receivable.
5. In the function, for the data of the file type, hash operation is carried out on the file content, and the hash value of the file content is written into the block chain, so that the file content is prevented from being tampered; when the file is fetched again, carrying out hash operation on the content, and if the content is consistent with the content stored on the chain, considering that the content is trusted and not tampered; if the hash values are different, the content is considered to have been tampered with and no longer trusted.
6. The blockchain-based accounts receivable credit increasing method of claim 1, wherein:
the deployment of the intelligent contract of the accounts receivable and trust increasing function comprises the steps of deploying the compiled intelligent contract to a alliance blockchain network of the accounts receivable and trust increasing function, and returning the information of the intelligent contract address after the deployment is successful.
7. The blockchain-based accounts receivable credit increasing method of claim 1, wherein:
the transaction request for constructing the receivables and credit increasing function intelligent contract comprises the following steps: the method comprises the steps of an increase letter acceptance request, a business push request, a bank credit request, a guarantee insurance request, a performance guarantee request, a guarantee payment request, a promised purchase request, an effective asset mortgage request and an increase letter information query request.
8. The blockchain-based accounts receivable credit increasing method as in claim 6, wherein:
submitting the transaction request to a alliance blockchain network processing request response of an accounts receivable and credit increasing function, wherein the processing request response comprises the following steps: the transaction request is sent to the connected node to initiate transaction, after the node receives the transaction, the node broadcasts the transaction to the node connected to the node, the transaction is continuously taken out from the transaction pool, the collected transaction is immediately packaged into blocks and sent to the consensus engine, the consensus engine verifies the blocks and performs consensus in a network, when the block verification is error-free and the node in the network agrees, the block information is checked, and the block data and the table data are written into the bottom layer storage to complete the block uplink;
after the accounts receivable is added and stored in a chain, related parties can query the information of the accounts receivable in real time during subsequent circulation.
9. The blockchain-based accounts receivable credit increasing method of claim 1, wherein: the intelligent contract with the accounts receivable and letter increasing function uses a CRUD interface development mode, creates a table through the contract, and performs an operation of deleting and checking the created table;
the credit-added review management table t_credit at least comprises a main key credit, a creditor code credit, a creditor amount amountf creditor name, a creditor debtor name, a review information checkinfo, a review information accessory checkinfo_file, a bank credit information bank info, a bank credit information accessory bank info_file, an insurance underwriting information insurinfo, an insurance underwriting information accessory insurinfo_file, an insurance information security info_file, an insurance information accessory security info_file, an promise purchase information procrinfo, an promise purchase information accessory procrinfo_file, an effective asset extrusion information plegefo, and an effective purchase information accessory p-quality information file_file.
10. The blockchain-based accounts receivable credit increasing method of claim 1, wherein:
each agency node of the alliance blockchain network of the account receivable and credit augmentation function completely keeps a transaction history record which is not tamperable once generated.
11. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method of any of claims 1 to 9.
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| CN202311194580.8A CN117196874A (en) | 2023-09-15 | 2023-09-15 | Accounts receivable type letter increasing method and equipment based on block chain |
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