CN117501258A

CN117501258A - Funds circulation system, method and device

Info

Publication number: CN117501258A
Application number: CN202280001614.4A
Authority: CN
Inventors: 路元元; 柴栋; 雷一鸣; 王洪
Original assignee: BOE Technology Group Co Ltd; Beijing Zhongxiangying Technology Co Ltd
Current assignee: BOE Technology Group Co Ltd; Beijing Zhongxiangying Technology Co Ltd
Priority date: 2022-05-31
Filing date: 2022-05-31
Publication date: 2024-02-02
Also published as: WO2023230917A1

Abstract

A system, a method and a device for transferring funds. The system comprises a blockchain network, wherein a liability party node, a liability party node and a payor node in the network respectively correspond to a liability party, a liability party and a payor, and a payor information including payable amount is generated for a material transfer event of the liability party, which the liability party participates in; wherein the creditor node is configured to initiate a creditor issuing transaction comprising accounts payable information, the transaction being configured to instruct generation of creditor credentials for the creditor that the creditor is no greater than the amount payable; and initiating a funds transfer transaction comprising the creditor voucher; the debt party node is used for triggering and executing the certificate issuing transaction when the corresponding payment information of the debt party passes verification; the payor node is configured to trigger execution of a funds transfer transaction upon passage of the payor's validation of the creditor's credentials, the transaction being configured to instruct the payor to transfer the liability funds of the creditor's amount. The scheme can improve the payment enthusiasm of the payor and the borrowing success rate of the creditor.

Description

Funds circulation system, method and device

Technical Field

The present disclosure relates to the field of blockchain technology, and in particular, to a funds transfer system, method and apparatus.

Background

In financial activities involving multiple parties, the parties may have liquidity pressures for funds, which may be addressed by receivables and credit. Taking the supply chain scenario as an example, a provider of the core enterprise may exchange funds at a bank or the like using accounts receivable formed by selling goods to the core enterprise, so that the provider may render sales returns in advance to accelerate the transfer of funds.

In the related art, the accounts receivable and credit selling process usually involves a plurality of participants such as a core enterprise, a supplier, a bank and the like, and each participant maintains own data respectively, so that data is asymmetric to form a data island, the authenticity of the data is difficult to ensure, the check cost of the data and the safety risk of funds born by the bank and the like by the payoff party are high, the payoff enthusiasm of the payoff party is low, and the borrowing success rate of the borrowing party is low.

Disclosure of Invention

In view of the above, embodiments of the present disclosure provide a system, a method and a device for funds transfer to solve the deficiencies of the related art.

According to a first aspect of embodiments of the present disclosure, there is provided a funds transfer system comprising a blockchain network, wherein a owing party node, an owed party node and a payor node in the blockchain network correspond to a owing party, an owed party and a payor respectively, and a material transfer event involving the owing party and related to the owing party generates payable account information including payable amount; wherein:

the creditor node is configured to initiate a credential issuance transaction including the accounts payable information, the credential issuance transaction being configured to instruct generation of a creditor for the creditor, the creditor having a creditor amount no greater than the accounts payable amount; and initiating a funds transfer transaction comprising the creditor voucher;

the liability party node is configured to trigger execution of the credential issuance transaction if the liability party verifies the accounts payable information included in the credential issuance transaction;

the payor node is configured to trigger execution of the funds circulation transaction when the payor passes the validation of the right-of-liability credentials included in the funds circulation transaction, where the funds circulation transaction is configured to instruct the payor to transfer the liability funds of the right-of-liability amount to the right-of-liability party.

According to a second aspect of embodiments of the present disclosure, a funds transfer method is provided, applied to a creditor node in a blockchain network, where the creditor node, the creditor node and the payor node in the blockchain network correspond to a creditor, a liability party and a payor, respectively, and where a material transfer event involving the creditor and related to the liability party generates payable information including payable amount; the method comprises the following steps:

initiating a credential issuance transaction comprising the accounts payable information, the credential issuance transaction being triggered by a liability party node to be executed if the liability party verifies the accounts payable information for instructing generation of a liability credential for the liability party having a liability amount no greater than the payable amount;

and initiating a funds transfer transaction comprising the creditor voucher, wherein the funds transfer transaction is triggered to be executed by the payor node under the condition that the payor verifies the creditor voucher contained in the funds transfer transaction, and is used for indicating the payor to transfer the liaison funds of the creditor amount to the creditor.

According to a third aspect of embodiments of the present disclosure, a funds circulation apparatus is provided, applied to a creditor node in a blockchain network, where the creditor node, the creditor node and the payor node in the blockchain network correspond to a creditor, a liability party and a payor, respectively, and a payor participates in a material transfer event related to the liability party, and accounts payable information including an amount payable is generated; the apparatus includes one or more processors configured to:

According to a fourth aspect of embodiments of the present disclosure, there is provided an electronic device, including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to implement the funds transfer method of the second aspect.

According to a fifth aspect of the embodiments of the present disclosure, there is provided a non-transitory computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the funds transfer method described in the second aspect above.

According to embodiments of the present disclosure, a blockchain network is introduced in the receivables credit process, and the liability party, the creditor party, and the payor party, which are parties to the receivables credit process, respectively correspond to different blockchain nodes in the blockchain network. Based thereon, a credential issuance transaction containing accounts payable information is initiated in the blockchain network by the creditor node, the accounts payable information generated by the asset transfer event including an amount payable, and the creditor node triggers execution of the transaction to generate the creditor credential for the creditor if the creditor verifies the accounts payable information contained in the credential issuance transaction. Further, the creditor can initiate a funds circulation transaction containing the creditor certificate in the blockchain network, and the payor node triggers execution of the transaction to instruct the payor to transfer the liaison funds of the creditor amount to the creditor to complete the liaison process of the accounts payable under the condition that the payor verifies the creditor certificate contained in the funds circulation transaction.

It will be appreciated that based on the blockchain network described above, the creditor may initiate a credential issuance transaction to assign creditor a corresponding amount due, and initiate a funds transfer transaction to transfer the corresponding funds to the creditor. The account payable information contained in the credential issuing transaction is verified by the liability party, and the creditor right credential contained in the funds circulation transaction is verified by the payor, and the corresponding transaction is executed under the condition that the creditor and the creditor right credential pass the verification, so that the data authenticity of the executed credential issuing transaction and the data authenticity of the funds circulation transaction are effectively ensured. By the method, data intercommunication can be realized among all the participants in the accounts payable cash registering process, so that the problem of data island is solved, the realization cost of the credit selling process is reduced, and particularly, the data verification cost and the fund security risk of a bank and the like for payers are obviously reduced, the payment enthusiasm of the bank and the like is improved, and the borrowing success rate of the creditor is improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the following description will briefly explain the drawings needed in the description of the embodiments, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and other drawings may be obtained according to these drawings without inventive effort to a person of ordinary skill in the art.

Fig. 1 is a schematic architecture diagram of a funds transfer system shown in accordance with embodiments of the disclosure.

Fig. 2 is a schematic diagram illustrating a hierarchical structure of a vendor according to an embodiment of the present disclosure.

Fig. 3 is a schematic diagram illustrating a connection relationship of a blockchain network according to an embodiment of the disclosure.

Fig. 4 is a flow chart illustrating a method of funds transfer according to an embodiment of the disclosure.

Fig. 5 is a schematic structural diagram of a node device according to an embodiment of the present disclosure.

Detailed Description

The following description of the technical solutions in the embodiments of the present disclosure will be made clearly and completely with reference to the accompanying drawings in the embodiments of the present disclosure, and it is apparent that the described embodiments are only some embodiments of the present disclosure, not all embodiments. Based on the embodiments in this disclosure, all other embodiments that a person of ordinary skill in the art would obtain without making any inventive effort are within the scope of protection of this disclosure.

In order to solve the above-mentioned problems in the related art, the present disclosure proposes a funds circulation system, which introduces a blockchain technology into the account deposit and sales process, so as to implement on-chain evidence storage, sharing, verification and other processes of the data related to the account deposit and sales process, so as to improve the security and authenticity of the data. The data transmission scheme is described in detail below with reference to the accompanying drawings and corresponding embodiments.

The fund circulation system comprises a blockchain network, wherein a liability party node, a creditor party node and a payor node in the blockchain network respectively correspond to a liability party, a liability party and a payor, and the liability party participates in a material transfer event related to the liability party and generates payable account information including payable amount; wherein:

The payor node is configured to trigger execution of the funds circulation transaction when the payor verifies the right vouchers included in the funds circulation transaction, where the funds circulation transaction is used to instruct the payor to transfer the liaison funds of the right amount to the right side.

In this specification, as a demander of funds, an creditor may apply for a liaison to a payor through a blockchain network, and specifically, after participating in a material transfer event related to the liability party to generate accounts payable information including an amount payable, the creditor may request to transfer the liability funds corresponding to the amount payable to the creditor through the funds transfer scheme according to the embodiment of the present disclosure.

Fig. 1 is a schematic architecture diagram of a funds circulation system according to an exemplary embodiment, which illustrates a connection manner between each blockchain node and each corresponding participant in a blockchain network. As shown in fig. 1, the participants of the accounts payable posting process include payers, liabilities and creditors 1 to n; wherein 1.ltoreq.n, i.e. there is at least one creditor. Each of the above-described participants corresponds to a respective blockchain node in the blockchain network, such as the liability party corresponding to liability party node a, the liability party 1 corresponding to liability party nodes B1, …, the liability party n corresponding to liability party node Bn, the payor corresponding to payor node C, and so on. The n creditor nodes can respectively correspond to different creditor nodes so as to realize data interaction with the blockchain network through the corresponding creditor nodes; or, the plurality of creditors may also correspond to the same creditor node, so that each creditor may implement interaction with the blockchain network data through the creditor node, and in the interaction process, each creditor may implement distinction and isolation from other creditors by using its own identity information (such as a creditor identifier, a creditor public key, etc. pre-assigned by the creditor node for the plurality of creditors connected to itself, which are not described herein.

Specifically, any party among the payor, the liability party and the liability party can form the corresponding relation with the corresponding blockchain nodes in the blockchain network in various modes. With a certain bank behavior example as a payor, a bank staff can run a client in a computer used by the bank staff, the client can be a client corresponding to a centralized application program, at the moment, the client can perform data interaction with a corresponding service end, and the service end can be connected with a payor node in the blockchain network, so that the client can realize interaction with the corresponding blockchain node through the service end, namely, a logical corresponding relation is formed between a bank and the node. Or, the client running in the computer may be a client of DAPP (Decentralized Application ), where the client may run based on an intelligent contract deployed in the blockchain network, and at this time, the client is a client of a payor node in the blockchain network, and a bank staff may interact with the payor node directly through the client, so as to form a logical correspondence between the bank and the node.

It can be understood that the interaction between any participant and its corresponding node may be implemented by the above-mentioned client, and in the case that the interaction is not explicitly described, the interaction between any participant and its corresponding node in the following embodiments may be understood as that the participant receives and transmits data to its corresponding node through the client used by itself, which is described in this way.

Among them, computers are just one type of electronic equipment that can be used by bank staff. Indeed, banking personnel may also use electronic devices such as the following types: cell phones, tablet devices, notebook computers, palm top computers (PDAs, personal Digital Assistants), wearable devices (e.g., smart glasses, smart watches, etc.), VR (Virtual Reality) devices, AR (Augmented Reality ) devices, etc., without limitation, as one or more embodiments of the present disclosure. In addition, the application program of the client may be pre-installed on the electronic device, so that the client may be started and run on the electronic device; of course, when an online "client" such as HTML5 technology is used, the client can be obtained and run without installing a corresponding application on the electronic device.

Of course, the liability party node and the payor node are divided from a logic level, and the node corresponding to any party can be deployed in the node device running locally on the party, or in the cloud end in the form of a cloud host, or can be hosted to a designated node manager, which is not repeated.

The funds transfer process described in this specification includes parties such as liabilities parties, and payees, where any party may be an enterprise, organization, group, individual, etc., and embodiments of the present disclosure are not limited in this regard. Illustratively, the liability party may be any party in the commodity production process, such as a core enterprise that undertakes manufacturing tasks, etc.; the payor can be a fund manager such as a bank, an investment institution and the like. The creditor can take on corresponding business roles according to different application scenarios, for example, in a supply chain scenario, the creditor can be an upstream provider of the core enterprise, for example, the creditor 1 can be a primary provider of the core enterprise, the creditor 2 can be a secondary provider of the core enterprise, …, the creditor n can be an n-level provider of the core enterprise, and the like. As shown in fig. 2, the supplier 11 is a primary supplier of the core enterprise, the suppliers 21 and 22 are secondary suppliers of the core enterprise, and the suppliers 31 to 33 are tertiary suppliers of the core enterprise, wherein the suppliers 31 and 32 may be regarded as primary suppliers of the supplier 21, the supplier 33 may be regarded as primary suppliers of the supplier 22, and so on.

As another example, in a warehouse logistics scenario, the creditor may be a primary warehouse (or sorting center, transfer center, distribution center, etc.) closest to the creditor, and the creditor 2-n may be a corresponding secondary, tertiary, or even n-stage warehouse. For another example, in the commodity sales scenario, the liability party and the creditor 2-n may be downstream agents of the creditor, which will not be described in detail. The following examples illustrate supply chain scenarios. Of course, the number of the corresponding creditor of each level of the liability party and the material supply relationship between the creditor of different levels may be adjusted according to the actual situation, which is not limited by the embodiment of the present disclosure.

It will be appreciated that the accounts payable liability process is a process of guaranteeing the payor to pay funds to the creditor with the credit of the liability party, and the payor needs to take a certain risk of funds loss during the process, such as the liability party refusing to transfer the corresponding reimbursement funds or commission to the payor. In view of this, in order to effectively manage the risk of the paying party, the paying party may allocate a corresponding credit line to the liability party, so as to ensure that the amount payable involved in the subsequent process is not greater than the credit line, thereby controlling the risk within a reasonable range.

The payor can trust the liability party in a link or link-down mode, namely, the liability party is allocated with corresponding credit limit. For example, the liability party may initiate a credit request directly to the payor to allocate credit to the liability party by responding to the request; the credit line may be stored locally by the liability party and the payor respectively, or may be stored by the liability party node or the payor node to the blockchain network, which is not described again. For another example, the liability party may also initiate a credit request to the payor node for the payor, such that the payor node may initiate a credit transaction in the blockchain network in response to the request for instructing the payor to assign a credit amount to the liability party. In this way, the credit line allocated by the payor to the liability party may be verified as an execution result of the credit transaction to the blockchain network, for example, each node may be stored in an account state of an account corresponding to the locally maintained liability party, so as to facilitate subsequent inquiry.

Wherein, the credit request can carry the asset information of the liability party, such as the asset proof information of the fixed asset (land, building, equipment, etc.) and/or the mobile asset (cash, bond, etc.) owned by the liability party, so as to indicate the authenticity of the credit of the liability party to the paying party through the information; of course, the above-mentioned credit request may also include a history credit record of the payor or other payor liability party, or other proof information specified by the payor, which is not limited by the embodiment of the disclosure. Accordingly, the payor can evaluate the actual conditions of the assets, the credits, etc. of the liability party according to the information, and then determine the credit line which can be allocated to the liability party according to the actual conditions. The specific determination manner of the credit line can be adjusted by the payor according to the actual situation, and the embodiment of the disclosure is not limited thereto. For example, the credit line may be positively related to the asset quality, the performance credit of the liability party, and the like, for example, the more the current assets of the core enterprise are, the higher the performance credit score is, the greater the credit line may be allocated to the enterprise by the bank.

As previously described, the creditor node may initiate a credential issuance transaction containing the accounts payable information, the transaction is to instruct generation of an creditor voucher for the creditor, the creditor voucher having a creditor amount not greater than the payable amount. The owing party node may trigger execution of the credential issuance transaction if the owing party verifies the accounts payable information contained in the credential issuance transaction.

Wherein the accounts payable information is generated by a liability party related transfer event in which the liability party participates, the information being related to the type of said transfer event. Taking the supply chain scenario as an example, if a primary supplier of a core enterprise supplies a batch of raw materials to the enterprise (i.e. the core enterprise purchases the batch of materials), the supply process of the batch of raw materials is a material transfer event, and contracts, orders, signatures and the like generated by the process are accounts payable information, and obviously, the information should include the cost of the batch of raw materials, i.e. the cost that the core enterprise should pay to the primary supplier. Of course, the number of primary suppliers may be at least one, or the same primary supplier may supply multiple batches of raw materials to the core enterprise, and the above process may generate multiple fees, and the amount payable in the present embodiment may be any one of the fees, or may be the sum of the multiple fees, which is not limited in this embodiment.

The credential issuance transaction may be triggered and initiated by the liability party or the creditor, e.g., the liability party may initiate a credential issuance request to the liability party node in the event that the liability party is required to pay funds for the amount payable to the liability party by way of accounts payable liability; alternatively, the liability party and the payor may agree in advance and both agree to pay the funds by means of accounts payable liability, in which case the credential issuance request may be initiated by the creditor to the creditor node. The credential issuance transaction initiated in response to the credential issuance request is synchronized to the owing party node via the consensus network of the blockchain network, whereby the owing party can send the accounts payable information contained in the transaction to the owing party, which is validated against locally stored relevant information to ensure that the accounts payable information contained in the transaction is truly valid.

If the verification is not passed (e.g., the creditor tampers with the amount due or other information, etc.), the liability party may inform the liability party node to refuse to perform the credential issuance transaction. If the verification is passed, the creditor node can trigger each node in the blockchain network to respectively execute the credential issuing transaction. Specifically, the credential issuing transaction may invoke a pre-deployed credential generation contract in the blockchain network to generate a corresponding creditor credential, where the creditor credential may record the amount payable, identity information of the creditor and the creditor, and may record other information such as generation time, effective range, and the like. Further, the generated credited voucher may be recorded in a receipt (receipt) of the contract for subsequent reading.

In addition, the credential issuance request or the credential issuance transaction may further include amount specifying information for specifying an amount of creditor corresponding to the creditor credential to be generated. As shown in fig. 2, in the case where the primary supplier 11 supplies the core corporation with an order of 100 ten thousand yuan (i.e., the amount of the payable fee), the core corporation or the supplier 11 may designate the generation of the right voucher with the right amount of 100 ten thousand yuan. Alternatively, the core corporation or provider 11 may also be designated to generate an credited voucher having an credited amount of 80 ten thousand yuan, in which case the provider 11 may ultimately obtain 80 ten thousand yuan of cash funds (not exceeding) for the bank transfer, while the other 20 ten thousand yuan may be paid back to the provider 11 by the core corporation by cash or other means, which is not limiting in the embodiments of the present disclosure.

In an embodiment, the creditor may be of the same level, and material is transferred by the creditor to the liability party in the material transfer event. As shown in fig. 1, the creditor may not have creditor 2-n, but only creditor 1, i.e. the creditors according to the present solution are all creditors of the first level. As shown in fig. 2, the creditor of the present disclosure may include only the supplier 11, and does not involve the suppliers 21 to 22 and the suppliers 31 to 33. At this time, the supplier 11 may apply for a funds circulation to the bank C using the credited certificate obtained by itself, for example, the supplier 11 may initiate a funds circulation request including the credited certificate to the bank C to directly verify the credited certificate by the bank C, and transfer the liaison funds of the credited amount to the supplier 1 if the verification passes. Alternatively, the supplier 11 may initiate a funds transfer transaction containing said creditor voucher in the blockchain network via the creditor node B1, and in case the synchronous transaction is received by the payor node, the creditor voucher may be sent to the bank for verification. Accordingly, the payor may query the received creditor vouchers among the locally maintained, already generated, historical creditor vouchers and, if queried, transfer the liaison funds of the credited amount (100 ten thousand yuan as previously described) to the supplier 11.

In another embodiment, the creditor may belong to a plurality of levels, and the material is transferred by a primary creditor in a next primary creditor direction in the material transfer event. As shown in fig. 2, the supplier 31 and/or the supplier 21 may supply supplies to the supplier 21; in addition, supplier 33 may also supply supplies to supplier 22, while supplier 21 and/or supplier 22 may supply supplies to supplier 11, with the core enterprise producing products using the supplies supplied by supplier 21 and/or supplier 22.

In this scenario, the creditor vouchers may be split between multiple creditor parties of different levels to obtain new creditor vouchers of corresponding levels and amounts. The splitting can be completed under the chain by the upper-level creditor, and the upper-level creditor can generate a lower-level creditor according to the upper-level creditor and send the lower-level creditor to the lower-level creditor so that the lower-level creditor can store the lower-level creditor to the blockchain network through the corresponding creditor node. Alternatively, the splitting may be performed by each node in a chain by executing a transaction, for example, a previous level creditor is used to initiate a credit transfer transaction for its own previous level creditor by a corresponding creditor node, so as to assign the next level creditor with a next level creditor generated according to the previous level creditor.

As described above, the above-mentioned liabilities and the participants such as the creditors of each level have a corresponding level relationship, and based on this level relationship, the superior participant may designate the subordinate participant so as to achieve quality and management and control of the product. For example, the liability party or an upper liability party of any one of the first-level liability parties may specify a lower liability party of the any one of the first-level liability parties, e.g., the lower liability party of any one of the first-level liability parties may be specified from at least one dimension of brand, cost, energy consumption, material quality, etc. Correspondingly, any creditor can generate the next-stage creditor certificate of the next-stage creditor according to the own creditor certificate under the condition that the next-stage creditor is designated in the above mode. From the perspective of any creditor, the creditor may generate corresponding next-level creditor credentials for the next-level creditor designated by the creditor for the upper-level creditor, and may avoid generating next-level creditor credentials for other next-level creditors in addition. The upper level creditor of any level creditor may be the upper level creditor thereof, which is not limited in the embodiment of the present disclosure.

As shown in fig. 2, the core enterprise may designate respective next-level suppliers for respective suppliers corresponding to itself, such as the supplier 21 for the supplier 11 or the supplier 32 for the supplier 21, etc.; any one of the suppliers may designate a further next level of suppliers for any level below its own level, e.g., supplier 11 may designate supplier 31 for supplier 21, etc. Taking the core corporation as an example, in the case where the core corporation designates the supplier 21 (does not designate the supplier 22) for the supplier 11, the supplier 21 may generate the next-stage creditor voucher for the supplier 21 based on the creditor voucher, but cannot generate the next-stage creditor voucher for the supplier 22 based on the creditor voucher, in the case where the creditor voucher generated in the foregoing manner is received. By the method, the core enterprise or the superior creditor can realize the management and control of the creditor certificate splitting process of the next creditor, so that the creditor with good credit can be set as the next-stage creditor according to the actual situation of each next-stage creditor.

In one embodiment of the present invention, in one embodiment, the owed party or blockchain node in the blockchain network may be in a variety of ways, and generating the next-stage creditor certificate of the next-stage creditor according to the previous-stage creditor certificate of the previous-stage creditor. For example, the creditor recorded in the upper level creditor may be updated from the upper level creditor to the lower level creditor, and the updated creditor may be used as the lower level creditor. As shown in fig. 2, the 100 ten thousand-element creditor certificate acquired by the supplier 11 records both sides corresponding to the certificate, namely, the core corporation and the supplier 11, in which case the core corporation corresponds to the liability side and the supplier 11 corresponds to the liability side. Based on this, in the case where the supplier 21 supplies the supplier 11 with a to-be-paid order of not less than 100 ten thousand yuan, the supplier 11 can update the creditor supplier 11 recorded in the above-mentioned creditor voucher of itself to the supplier 21, and the updated voucher can be used as the next-stage creditor voucher generated by the supplier 11 for the blockchain network 21. It can be seen that, in the upper-level creditor certificate and the lower-level creditor certificate corresponding to the mode, the creditor amount is the same as that of the debt party, and the creditor is different, namely, the method is equivalent to transferring the fund certificate of the debt party under the upper-level creditor to the lower-level creditor, and essentially realizes the transfer of the debt and the like between the debt party and the debt party.

For another example, the previous-level creditor certificate may be split into a new previous-level creditor certificate and at least one next-level creditor certificate, and the sum of the creditor amounts of the new previous-level creditor certificate and the at least one next-level creditor certificate is not greater than the creditor amount of the split previous-level creditor certificate. As shown in fig. 2, assuming that the provider 11 obtains 100 ten thousand-element previous-stage creditor certificates, based on this, in a case where the provider 21 supplies the provider 11 with a to-be-paid order of less than 100 ten thousand elements (e.g., 60 ten thousand elements), the provider 11 may split the 100 ten thousand-element previous-stage creditor certificates into one new previous-stage creditor certificate and one next-stage creditor certificate, such as one 40 ten thousand-element new previous-stage creditor certificate and one 60 ten thousand-element next-stage creditor certificate. Wherein the 10 ten thousand new upper level creditor vouchers may be stored by the supplier 11 itself, and the 60 ten thousand lower level creditor vouchers may be provided to the supplier 21. In the case where the supplier 21 supplies the supplier 11 with a 60-ten-thousand-element order to be paid and the supplier 22 supplies the supplier 11 with a 20-ten-thousand-element order to be paid, the supplier 11 may split the 100-ten-element upper-level bond certificate into a new upper-level bond certificate and a plurality of lower-level bond certificates, such as a 20-ten-thousand-element new upper-level bond certificate, a 60-ten-thousand-element lower-level bond certificate and a 20-ten-thousand-element lower-level bond certificate. Wherein the 20 ten thousand new upper level creditor certificates may be stored by the supplier 11 itself, the 60 ten thousand lower level creditor certificates may be provided to the supplier 21, and the 20 ten thousand lower level creditor certificates may be provided to the supplier 22.

For another example, the superior crediting voucher may be further split into a plurality of inferior crediting vouchers, the sum of the crediting amounts of the at least one inferior crediting voucher being no greater than the crediting amount of the superior crediting voucher being split. As shown in fig. 2, it is assumed that the supplier 11 acquires 100 ten thousand-element upper right vouchers, based on which, in a case where the supplier 21 supplies the supplier 11 with 60 ten thousand-element to-be-paid orders and the supplier 22 supplies the supplier 11 with 40 ten thousand-element to-be-paid orders, the supplier 11 can split the 100 ten thousand-element upper right vouchers into a plurality of lower right vouchers, such as one 60 ten thousand-element lower right vouchers and one 40 ten thousand-element lower right vouchers. The 60 ten thousand yuan next-stage creditor certificates can be provided to the provider 21, and the 40 ten thousand yuan next-stage creditor certificates can be provided to the provider 22, which will not be described again.

In the embodiment of the present disclosure, the above-mentioned process of splitting the credited certificate may be implemented based on the bond splitting and transferring principle in the related art, and the specific process is not repeated. The above embodiments provide various ways of splitting the previous-level creditor into the next-level creditor, and in the scheme application process, the specific splitting way may be reasonably determined according to the fund requirements of each creditor, which is not limited by the embodiments of the present disclosure.

It will be appreciated that the creditor voucher splitting process described above is essentially a splitting of the liability party, and the basis for such splitting is accounts payable information generated by the material transfer event in which the two parties (i.e. the former and latter parties) are involved together, such as the event that the supplier 21 supplies material to the supplier 11. In view of this, in order to ensure the accuracy of the splitting result, disputes are avoided between the splitting parties, and the next-level creditor and the previous-level creditor can verify the accounts payable information respectively. Specifically, in the right transfer transaction, in addition to the right certificate to be split, accounts payable information such as a contract, an order, a signature and the like generated by the material transfer event can be carried. And the upper level creditor and the lower level creditor may respectively obtain the accounts payable information contained in the transaction from the corresponding creditor node for verification, such as comparing it with locally maintained accounts payable information, etc., to determine the authenticity of the message. Furthermore, in the case where both parties respectively verify the accounts payable information, the blockchain node or the upper level creditor may generate the next level creditor of the next level creditor according to the own previous level creditor.

Under the condition that any creditor acquires the creditor certificate corresponding to the creditor, the creditor node can initiate the fund circulation transaction containing the creditor certificate in the blockchain network according to the fund demand of the creditor. For example, the creditor may send a funds transfer request to its corresponding creditor node to initiate a funds transfer transaction in the blockchain network by the node in response to the funds transfer request. Correspondingly, when the payment party node acquires the synchronized transaction, the right-of-bond certificate contained in the right-of-bond certificate can be sent to the payment party for verification, for example, the payment party verifies according to the historical right-of-bond certificate maintained locally, verifies the right amount corresponding to the right-of-bond certificate, and the like. In the event that the verification is not passed, the payor may trigger refusal to perform the funds transfer transaction and refusal to transfer the liaison funds to the creditor; and in the event that the verification is passed, the payor may trigger execution of the funds transfer transaction, transferring the liaison funds of the credited amount to the creditor. Of course, the payor can also calculate the corresponding fee and other fees and transfer the remaining liaison funds after deducting the fees to the creditor

In one embodiment, the transfer of the liaison funds to the creditor creates a corresponding record of the funds transfer, such as the transfer of the funds to the creditor, the creditor creates a record of the transfer of the funds, etc. Thereafter, the creditor node and the payor node may respectively store the corresponding funds transfer records in the blockchain network, e.g., each node in the blockchain network may respectively store the funds transfer records locally as the execution result of the funds transfer transaction, so as to facilitate accurate storage and tracing of the transfer.

Thus, the process of paying funds to the creditor flow to transfer funds is completed. In this process, the core enterprise takes advantage of its own credit to vouch for the upstream provider, helping to reduce the overall cost of the funds transfer process. It will be appreciated that the above-mentioned liaison funds are in fact funds that the payor takes as a guarantee with the credit of the liability party in place of the funds that the liability party is to pay to the liability party, at which time the liability between the liability party and the liability party corresponding to the liability amount is transferred between the liability party and the payor. Thus, to reimburse the debt, the party may transfer the corresponding reimbursed funds to the payor within a time pre-agreed with the payor.

For example, the owing party node may also send the record of funds transfer synchronized by the blockchain network to the owing party, thereby triggering the transfer of the amount payable's cancellation funds to the payparty by the owing party. Of course, a corresponding fee may also be paid to the payor, where the fee may be determined according to the amount due and/or the amount of the right to be paid, the time period between the time when the payor transfers the deposit funds to the right to be credited to the payor, and the like, and the time period between the time when the liability direction transfers the cancellation funds to the payor, for example, the fee may be calculated according to a preset proportion of 0.1% or 0.02% of the right amount, or according to a preset multiple of the time period, and the like, which is not limited in the embodiment of the disclosure.

According to embodiments of the present disclosure, a blockchain network is introduced in the receivables credit process, and the liability, creditor, and payor, which are parties to the receivables credit process, correspond to different blockchain nodes in the blockchain network, respectively. Based thereon, a credential issuance transaction containing accounts payable information is initiated in the blockchain network by the creditor node, the accounts payable information generated by the asset transfer event including an amount payable, and the creditor node triggers execution of the transaction to generate the creditor credential for the creditor if the creditor verifies the accounts payable information contained in the credential issuance transaction. Further, the creditor can initiate a funds circulation transaction containing the creditor certificate in the blockchain network, and the payor node triggers execution of the transaction to instruct the payor to transfer the liaison funds of the creditor amount to the creditor to complete the liaison process of the accounts payable under the condition that the payor verifies the creditor certificate contained in the funds circulation transaction.

It will be appreciated that based on the blockchain network described above, the creditor may initiate a credential issuance transaction to assign the creditor a corresponding amount due, and initiate a funds transfer transaction such that the payoff transfers the corresponding funds to the creditor. The account payable information contained in the credential issuing transaction is verified by the liability party, the creditor right credential contained in the funds circulation transaction is verified by the payor, and the corresponding transaction is executed under the condition that the verification is passed, so that the data authenticity of the executed credential issuing transaction and funds circulation transaction is effectively ensured. By the method, data intercommunication can be realized among all the participants in the accounts payable settlement process, so that the problem of the data island is solved, the realization cost of the credit sale process is reduced, particularly, the data verification cost and the fund security risk of a bank and the like for a payer are obviously reduced, the deposit enthusiasm of the bank and the like is improved, and the borrowing success rate of the creditor is improved.

In an embodiment, the self-checking circulation system may further include a blockchain main network, where main network nodes in the main network include a debtor main network node and a payor main network node corresponding to the debtor and payor, respectively, and the blockchain main network is used for storing blockchain data generated by the blockchain network in a fund circulation process.

In addition, the blockchain main network may be further connected with a plurality of blockchain networks respectively corresponding to different types of material transfer events, and at this time, the blockchain main network may respond to a data forwarding request initiated by any blockchain network for another blockchain network, and forward target data contained in the request to the other blockchain network.

As shown in fig. 3, the parallel chain 1 formed by the liability party node a, the liability party nodes B1 and …, the liability party node Bn and the payor node C together is the blockchain network described in the foregoing embodiment. The blockchain main network HIA connected with the network is connected with other parallel chains, each parallel chain connected with the blockchain main network can respectively correspond to different types of material transfer events, and illustratively, the parallel chain 1 can correspond to a raw material supply event in a supply chain scene, the parallel chain 2 can correspond to a commodity logistics event in a warehouse logistics scene, …, the parallel chain m (1 is less than or equal to m) can correspond to a commodity sales event in a sales chain scene, and the like, and the details are omitted.

The blockchain main network may be used to manage each parallel chain, where the liability party, the liability party 1, the liability party n, and the payor in the parallel chain are a core corporation, a primary supplier, a secondary supplier, and a bank, respectively, where the core corporation and the bank may correspond to the main network nodes a and C1 in the blockchain main network, respectively. In this scenario, the core enterprise or the bank may initiate a transaction in the blockchain main network to create a parallel chain 1 by executing the transaction-the newly created parallel chain 1 may include only the owing party node a and the payor node C, after which both may join more new nodes in the parallel chain by executing the transaction, such as joining individual supplier nodes one by one or in bulk, etc.

In addition, blockchain data generated during parallel chain operation may be synchronized to the blockchain master network, which may include a variety of data that is authenticated to the parallel chain 1, such as transaction blocks, transaction receipts, account status data, and the like, as the embodiments of the disclosure are not limited in this regard. Specifically, the data synchronization process between the parallel chain 1 and the blockchain main network may be implemented by Notary patterns (Notary Schemes), side chains (Sidechains)/Relays (Relays), hash locking (Hash-locking), and the like in the related art, which are not described herein.

In fact, the funds circulation system according to the embodiments of the present disclosure may be used as a component of a financial platform implemented based on a blockchain technology, and the financial platform may be used to implement various financial functions other than the funds circulation process, which is not described in detail.

In addition to the above-described funds transfer system, the present disclosure also proposes a funds transfer method applied to a creditor node in a blockchain network, the creditor node, and the payor node in the blockchain network corresponding to a creditor, a liability party, and a payor, respectively, the creditor participating in a material transfer event related to the liability party resulting in accounts payable information including an amount payable; as shown in fig. 4, the method may include steps 402-404:

Step 402, initiating a credential issuance transaction containing the accounts payable information, the credential issuance transaction being triggered to be performed by a liability party node if the liability party verifies the accounts payable information, for indicating that a creditable credential having a creditable amount no greater than the payable amount is generated for the liability party.

Step 404, initiating a funds transfer transaction including the creditor certificate, wherein the funds transfer transaction is triggered to be executed by the payor node under the condition that the payor verifies the creditor certificate included in the funds transfer transaction, and is used for indicating the payor to transfer the liaison funds of the creditor amount to the creditor.

As described above, the creditor belongs to a plurality of levels, and the first-level creditor transfers the material from the next-level creditor in the next-level creditor direction in the material transfer event, and the creditor credential included in the funds circulation transaction is a creditor credential of any level, and the method further includes:

the upper level creditor generates a lower level creditor according to the own upper level creditor and sends the lower level creditor to the lower level creditor so that the lower level creditor stores the lower level creditor to the blockchain network through the corresponding creditor node; or,

The upper level creditor initiates a creditor transfer transaction to the own upper level creditor certificate through the corresponding creditor node so as to distribute the lower level creditor generated according to the upper level creditor certificate to the lower level creditor.

The specific implementation process of the above method may refer to the description of the foregoing embodiments of the funds circulation system, which is not repeated herein.

Corresponding to the foregoing embodiments of the funds transfer method, the present disclosure also provides embodiments of the funds transfer apparatus.

The embodiment of the disclosure provides a fund circulation device, which is applied to a creditor node in a blockchain network, wherein the creditor node, the creditor node and a payor node in the blockchain network respectively correspond to a creditor, a debtor and a payor, and a payor participates in a material transfer event related to the debtor and generates payable information including payable amount; the apparatus includes one or more processors configured to:

Optionally, the creditor belongs to a plurality of levels, the first level creditor transfers the material from the next level creditor in the next level creditor direction in the material transfer event, the creditor credential included in the funds transfer transaction is a creditor credential of any level, and the processor is further configured to:

The embodiment of the disclosure also proposes an electronic device, including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to implement the funds transfer method of any of the embodiments described above.

Embodiments of the present disclosure also provide a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the funds transfer method of any of the embodiments described above.

The specific manner in which the various modules perform the operations in the apparatus of the above embodiments have been described in detail in connection with the embodiments of the related methods, and will not be described in detail herein.

Fig. 5 is a schematic block diagram illustrating an apparatus 500 for data logging or determination of driving patterns according to an embodiment of the present disclosure. For example, the apparatus 500 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, or the like.

Referring to fig. 5, an apparatus 500 may include one or more of the following components: a processing component 502, a memory 504, a power supply component 506, a multimedia component 508, an audio component 510, an input/output (I/O) interface 512, a sensor component 514, and a communication component 516.

The processing component 502 generally controls overall operation of the apparatus 500, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing assembly 502 may include one or more processors 520 to execute instructions to perform all or part of the steps of the above-described funds transfer method. Further, the processing component 502 can include one or more modules that facilitate interactions between the processing component 502 and other components. For example, the processing component 502 can include a multimedia module to facilitate interaction between the multimedia component 508 and the processing component 502.

The memory 504 is configured to store various types of data to support operations at the apparatus 500. Examples of such data include instructions for any application or method operating on the apparatus 500, contact data, phonebook data, messages, pictures, videos, and the like. The memory 504 may be implemented by any type or combination of volatile or nonvolatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk.

The power supply component 506 provides power to the various components of the device 500. The power components 506 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for the device 500.

The multimedia component 508 includes a screen between the device 500 and the user that provides an output interface. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from a user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensor may sense not only the boundary of a touch or slide action, but also the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 508 includes a front-facing camera and/or a rear-facing camera. The front-facing camera and/or the rear-facing camera may receive external multimedia data when the apparatus 500 is in an operational mode, such as a photographing mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

The audio component 510 is configured to output and/or input audio signals. For example, the audio component 510 includes a Microphone (MIC) configured to receive external audio signals when the device 500 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signals may be further stored in the memory 504 or transmitted via the communication component 516. In some embodiments, the audio component 510 further comprises a speaker for outputting audio signals.

The I/O interface 512 provides an interface between the processing component 502 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: homepage button, volume button, start button, and lock button.

The sensor assembly 514 includes one or more sensors for providing status assessment of various aspects of the apparatus 500. For example, the sensor assembly 514 may detect the on/off state of the device 500, the relative positioning of the components, such as the display and keypad of the device 500, the sensor assembly 514 may also detect a change in position of the device 500 or a component of the device 500, the presence or absence of user contact with the device 500, the orientation or acceleration/deceleration of the device 500, and a change in temperature of the device 500. The sensor assembly 514 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. The sensor assembly 514 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 514 may also include an acceleration sensor, a gyroscopic sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

The communication component 516 is configured to facilitate communication between the apparatus 500 and other devices in a wired or wireless manner. The apparatus 500 may access a wireless network based on a communication standard, such as WiFi,2G or 3G,4G LTE, 6G NR, or a combination thereof. In one exemplary embodiment, the communication component 516 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 516 further includes a Near Field Communication (NFC) module to facilitate short range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, ultra Wideband (UWB) technology, bluetooth (BT) technology, and other technologies.

In an exemplary embodiment, the apparatus 500 may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic elements for performing the above-described funds transfer methods.

In an exemplary embodiment, a non-transitory computer readable storage medium is also provided, such as memory 504, including instructions executable by processor 520 of apparatus 500 to perform the above-described funds transfer method. For example, the non-transitory computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the examples disclosed herein. This disclosure is intended to cover any adaptations, uses, or adaptations of the disclosure following the general principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It is to be understood that the present disclosure is not limited to the precise arrangements and instrumentalities shown in the drawings, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

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. 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.

The foregoing has outlined the detailed description of the method and apparatus provided by the embodiments of the present disclosure, and the detailed description of the principles and embodiments of the present disclosure has been provided herein with the application of the specific examples, the above examples being provided only to facilitate the understanding of the method of the present disclosure and its core ideas; meanwhile, as one of ordinary skill in the art will have variations in the detailed description and the application scope in light of the ideas of the present disclosure, the present disclosure should not be construed as being limited to the above description.

Claims

A funds transfer system comprising a blockchain network, wherein a owing party node, an owed party node and a payor node in the blockchain network correspond to a owing party, an owed party and a payor respectively, and a payable account information including an amount payable is generated by a material transfer event related to the owing party in which the owed party participates; wherein:

the creditor node is configured to initiate a credential issuance transaction including the accounts payable information, the credential issuance transaction being configured to instruct generation of a creditor for the creditor, the creditor having a creditor amount no greater than the accounts payable amount; and initiating a funds transfer transaction comprising the creditor voucher;

The liability party node is configured to trigger execution of the credential issuance transaction if the liability party verifies the accounts payable information included in the credential issuance transaction;

the payor node is configured to trigger execution of the funds circulation transaction when the payor verifies the right vouchers included in the funds circulation transaction, where the funds circulation transaction is used to instruct the payor to transfer the liaison funds of the right amount to the right side.
The system according to claim 1,

the creditor node initiating the credential issuance transaction, comprising: initiating the credential issuance transaction in response to a credential issuance request initiated by the liability party or creditor; and/or the number of the groups of groups,

the creditor node initiating the funds transfer transaction, comprising: the funds transfer transaction is initiated in response to a funds transfer request initiated by the creditor.
The system of claim 1, the creditor belonging to the same class, wherein material is transferred by the creditor to the creditor in the material transfer event.
The system of claim 1, wherein the creditor is of a plurality of levels, wherein the transfer of material by a primary creditor in a next level creditor direction in the transfer of material event, the creditor voucher included in the funds transfer transaction being any level creditor voucher,

The upper level creditor is used for generating a lower level creditor according to the own upper level creditor and sending the lower level creditor to the lower level creditor so that the lower level creditor can store the lower level creditor to the blockchain network through the corresponding creditor node; or,

the superior creditor is used for initiating a creditor transfer transaction aiming at the superior creditor certificate of the superior creditor through the corresponding creditor node so as to distribute the next-level creditor generated according to the superior creditor certificate to the next-level creditor.
The system of claim 4, the creditor or blockchain node in the blockchain network generating a next level of creditor voucher from creditor vouchers of any level of creditors, comprising:

generating a next-level creditor credential of any one-level creditor according to the creditor credential of the next-level creditor, in case that the next-level creditor of the any one-level creditor is specified by the creditor or by a superior creditor of the any one-level creditor.
The system of claim 4, the creditor or blockchain node in the blockchain network generating a next level of creditor voucher from a previous level of creditor voucher, comprising one of:

Updating the creditor recorded in the upper-level creditor into the lower-level creditor from the upper-level creditor, and taking the creditor obtained after updating as the lower-level creditor;

splitting the upper level crediting certificate into a new upper level crediting certificate and at least one lower level crediting certificate, wherein the sum of the crediting amounts of the new upper level crediting certificate and the at least one lower level crediting certificate is not more than the crediting amount of the split upper level crediting certificate;

splitting the upper level creditor into a plurality of lower level creditor, wherein the sum of the creditor amount of at least one lower level creditor is not more than the creditor amount of the split upper level creditor.
The system of claim 4, the creditor or blockchain node in the blockchain network generating a next level of creditor voucher from a previous level of creditor voucher, comprising:

and under the condition that accounts payable information generated by the material transfer event in which the next-stage creditor and the last-stage creditor participate together passes verification, generating a next-stage creditor credential of the next-stage creditor according to the last-stage creditor credential of the last-stage creditor.
The system of claim 1, the creditor node and the payor node further being configured to:

and verifying a funds flow record generated by transferring the cash-on-paste to the blockchain network.
The system of claim 8, the liability party node further to:

and sending the fund circulation record to the liability party to trigger the liability party to transfer the cancel funds and/or commission of the right amount to the payor.
The system according to claim 1,

the liability party node is further configured to: responding to a credit request initiated by the liability party for the payor, initiating a credit transaction for indicating the payor to allocate credit to the liability party in the blockchain network; or,

the payor is also used for: responding to a credit granting request initiated by the liability party, and distributing credit granting amount to the liability party;

wherein the payable amount is not greater than the credit line.
The system of claim 1, further comprising:

and the main network nodes in the block chain main network comprise a debtor main network node and a payor main network node which respectively correspond to the debtor and the payor, and the block chain main network is used for storing block chain data generated by the block chain network in the process of data circulation.
The system of claim 11, the blockchain master network having a plurality of blockchain networks connected thereto, the plurality of blockchain networks respectively corresponding to different types of material transfer events, the blockchain master network further operable to:

and forwarding target data contained in a data forwarding request to another blockchain network in response to the data forwarding request initiated by any blockchain network for the other blockchain network.
A funds transfer method applied to a creditor node in a blockchain network, wherein the creditor node, the creditor node and a payor node in the blockchain network correspond to a creditor, a debtor and a payor respectively, and a material transfer event related to the debtor, in which the creditor participates, generates payable information including payable amount; the method comprises the following steps:

initiating a credential issuance transaction comprising the accounts payable information, the credential issuance transaction being triggered by a liability party node to be executed if the liability party verifies the accounts payable information for instructing generation of a liability credential for the liability party having a liability amount no greater than the payable amount;

and initiating a funds transfer transaction comprising the creditor voucher, wherein the funds transfer transaction is triggered to be executed by the payor node under the condition that the payor verifies the creditor voucher contained in the funds transfer transaction, and is used for indicating the payor to transfer the liaison funds of the creditor amount to the creditor.
The method of claim 13, the creditor belonging to a plurality of levels, transferring material by a primary creditor in a next primary creditor direction in the material transfer event, the creditor voucher included in the funds transfer transaction being any level of creditor voucher, the method further comprising:

the upper level creditor generates a lower level creditor according to the own upper level creditor and sends the lower level creditor to the lower level creditor so that the lower level creditor stores the lower level creditor to the blockchain network through the corresponding creditor node; or,

the upper level creditor initiates a creditor transfer transaction to the own upper level creditor certificate through the corresponding creditor node so as to distribute the lower level creditor generated according to the upper level creditor certificate to the lower level creditor.
A funds transfer apparatus applied to a creditor node in a blockchain network, the creditor node and the payor node in the blockchain network corresponding to a creditor, a debtor and a payor, respectively, the creditor participating in a material transfer event related to the debtor generating payable information including payable amount; the apparatus includes one or more processors configured to:

Initiating a credential issuance transaction comprising the accounts payable information, the credential issuance transaction being triggered by a liability party node to be executed if the liability party verifies the accounts payable information for instructing generation of a liability credential for the liability party having a liability amount no greater than the payable amount;

and initiating a funds transfer transaction comprising the creditor voucher, wherein the funds transfer transaction is triggered to be executed by the payor node under the condition that the payor verifies the creditor voucher contained in the funds transfer transaction, and is used for indicating the payor to transfer the liaison funds of the creditor amount to the creditor.
The apparatus of claim 15, the creditor belonging to a plurality of levels, the creditor transferring material by a primary creditor in a next primary creditor direction in the material transfer event, the creditor voucher included in the funds transfer transaction being any level of creditor voucher, the processor further configured to:

the upper level creditor generates a lower level creditor according to the own upper level creditor and sends the lower level creditor to the lower level creditor so that the lower level creditor stores the lower level creditor to the blockchain network through the corresponding creditor node; or,

The upper level creditor initiates a creditor transfer transaction to the own upper level creditor certificate through the corresponding creditor node so as to distribute the lower level creditor generated according to the upper level creditor certificate to the lower level creditor.
An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to implement the method of claim 13 or 14.
A non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps in the method of claim 13 or 14.