TW201909085A - Financing system for accounts receivable based on blockchain smart contract and method thereof - Google Patents

Abstract

A financing system for accounts receivable based on blockchain smart contract and method thereof is disclosed. By providing a buyer side, a seller side and a bank side as nodes of a blockchain network, so as to deploy an invoice smart contract through the bank side when trading a goods, and changing a status of the invoice smart contract into received goods after the buyer side to receive the goods sent by the seller side, so as to allow the seller to apply for financing from the bank side. When the seller side applies for financing, the bank side deploys a financing smart contract corresponding with the invoice smart contract, and changes the status of the financing smart contract into financed, and sends a financing amount to the seller side, and stores an address of financing smart contract into the invoice smart contract to establish the association. The mechanism is help to improve the financing convenience of the accounts receivable.

Description

Account receivable financing system based on blockchain intelligent contract and method thereof

The invention relates to a financing system and a method thereof, in particular to an account receivable financing system based on a blockchain intelligent contract and a method thereof.

In recent years, with the popularity and flourishing of the Internet, various Internet-based applications have sprung up, among which online shopping is the most common, and the number of transactions has reached new highs.

Generally speaking, in order to protect the rights of both parties to the transaction, a third-party account similar to the performance guarantee is usually provided for payment by the buyer during online shopping, and after confirming that the transaction is correct, the transaction amount is paid to the seller by the third-party account. However, during the period from the sale of the goods by the seller to the payment of the third-party account to the seller, the seller may have financing requirements for the working capital. In theory, the transaction amount is accounts receivable and the seller accounts for the accounts receivable. It is very easy to apply for financing from a bank of a third-party account. However, due to the cumbersome and obstacles of the traditional financing method, the problem of financing for accounts receivable is still not realized, so the financing convenience of accounts receivable is not good.

In summary, it can be seen that there has been a problem in the prior art that the financing convenience of accounts receivable has been poor for a long time, so it is necessary to propose improved technical means to solve this problem.

The invention discloses an account receivable financing system based on a blockchain intelligent contract and a method thereof.

First, the present invention discloses an account receivable financing system based on a blockchain smart contract, which is applied to a blockchain network that executes a smart contract. The system includes: a buyer, a seller, and a bank. Wherein, the buyer side is used to transmit the transaction message when the transaction is performed, and after receiving the transaction item, the item of the accounts receivable contract is received, and the account receivable contract status of the accounts receivable contract is made. Change to the received item; the seller uses to send the item of the transaction to the buyer, call the item of the accounts receivable to send the function, change the status of the receivable contract to the item that has been sent, and apply At the time of financing, a financing request corresponding to the receivables contract is transmitted.

The bank side includes: initial modules, detection modules and financing modules. The initial module is configured to issue an account receivable contract corresponding to the transaction message by using a blockchain transaction after receiving the transaction message; the detecting module is configured to detect the accounts receivable contract after receiving the financing request. Status, when the status of the accounts receivable contract is received, the seller is allowed to apply for financing, and the corresponding financing contract is issued according to the financing request; the financing module is used to change the status of the accounts receivable contract to have been financed, The financing amount of the financing request is sent to the seller, and the financing contract address of the financing contract is stored in the accounts receivable contract to establish an association.

In addition, the present invention discloses an account receivable financing method based on a blockchain smart contract, which is applied to a blockchain network that executes a smart contract, and the steps include: providing a buyer, a seller, and a bank as a blockchain network. The node of the road; the buyer transmits the transaction message to the bank when the transaction is conducted; after receiving the transaction message, the bank issues the account receivable contract corresponding to the transaction message by the blockchain transaction; the seller sends the transaction After the item arrives at the buyer, the item of the accounts receivable contract is sent out, so that the status of the accounts receivable contract of the accounts receivable contract is changed to the delivered item; the buyer receives the goods after receiving the transaction. The item of the account contract has been received, so that the status of the accounts receivable contract is changed to the received item; when the seller applies for financing, the financing request corresponding to the accounts receivable contract is transmitted to the bank; the bank is After receiving the financing request, the status of the accounts receivable contract is detected. When the status of the accounts receivable contract is received, the seller is allowed to apply for financing, and the corresponding financing is issued according to the financing request. Contracts and contract status will change as accounts receivable financing, financing amount of financing will send the request to the vendor-side, as well as address the financing contract accounts receivable financing contracts to contracts to store associate.

The system and method disclosed by the present invention are as above, and the difference from the prior art is that the present invention is to set the buyer, seller and bank terminals as nodes of the blockchain network, so that when the goods are traded, the buyer passes through the bank. End the accounts receivable contract of the corresponding item, and after the buyer receives the items sent by the seller, change the status of the accounts receivable contract to the received items to allow the seller to apply for financing from the bank. When the seller applies for financing, the bank issues the corresponding financing contract and changes the status of the financing contract to have been financed, sends the financing amount to the seller, and stores the financing contract address to the accounts receivable contract to establish an association.

Through the above technical means, the present invention can achieve the technical effect of improving the financing convenience of accounts receivable.

The embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, so that the application of the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.

Before describing the blockchain smart contract based receivables financing system and method thereof disclosed in the present invention, the environment to which the present invention is applied is explained. The present invention is applied to a blockchain network that executes smart contracts. The computer equipment in the blockchain network can be regarded as a blockchain node (or simply a node), and the blockchain nodes are connected by a peer-to-peer (Peer to Peer) method, and are used to process blockchain transactions ( Blockchain Transactions). In practical implementation, the computer device can be a server, a computer host, a notebook computer, a tablet computer, a smart phone, etc., for executing computer program instructions, such as the blockchain program "Ethereum". In addition, the "accounts receivables", "financing contracts" and "payment of notarized contracts" mentioned in the text refer to smart contracts, which are based on established conditions and transmitted information. To implement a computer program that executes instructions, in actual implementation, the smart contract is written by a programming language such as Solidity, Serpent, LLL, EtherScript, Sidechain, etc., which may include various functions, Event (Even), parameter status, etc., taking the blockchain program "Ethereum" as an example, the smart contract is compiled to obtain binary encoding and application Binary Interface (ABI) to broadcast the smart contract. To the blockchain network, Miner waits for the smart contract to be placed on the blockchain and gets the corresponding address, thus completing the release of the smart contract. After that, the corresponding smart contract can be executed according to this address, and the state of the smart contract on the blockchain can be changed by different instructions.

The following is a description of the receivables financing system and its method based on the blockchain smart contract of the present invention. Please refer to "Figure 1" first, and "Figure 1" is based on the blockchain smart contract. The block diagram of the accounts receivable financing system is applied to the blockchain network 10 that executes the smart contract. The system includes: a buyer terminal 110, a seller terminal 120, and a bank terminal 130. In actual implementation, the buyer terminal 110, the seller terminal 120, and the bank terminal 130 are all computer devices in the blockchain network 10. The buyer 110 is configured to transmit a transaction message to the bank 130 when the transaction is performed with the seller 120, so that the bank 130 issues a receivable contract corresponding to the transaction message in a blockchain transaction, and receives the transaction. After the item is received, the item of the accounts receivable contract is received, and the status of the accounts receivable contract of the accounts receivable contract is changed to "received items". Specifically, after the buyer 110 sends the transaction amount to the seller 120, the payment of the notarized contract can be issued through the blockchain transaction for the bank 130 to verify, and when the bank 130 passes the verification, the payment of the accounts receivable contract is called. The function stores the notarized contract address corresponding to the payment notarized contract to the accounts receivable contract, and changes the status of the accounts receivable contract to "paid". At this time, since the buyer 110 has paid the transaction amount to the seller 120, the bank 130 may refuse the seller 120 to apply for financing when detecting that the status of the accounts receivable contract is "paid". In addition, in addition to verifying the payment of the notarized contract by the bank terminal 130, it may also be verified by a third-party notary unit such as a government unit or an authorized private unit.

The seller terminal 120 is configured to call the goods delivery function of the accounts receivable contract after sending the transaction item to the buyer terminal 110, so that the status of the accounts receivable contract is changed to "sent items", and when applying for financing, A financing request corresponding to the receivables contract is transmitted to the bank 130. In particular, when the status of the accounts receivable contract is "received items", in addition to holding the accounts receivable contract on behalf of the seller, you can use this accounts receivable contract to apply for financing, in actual implementation. In addition, the owner of the accounts receivable contract can also be changed through the call transfer function, that is, the ownership of the accounts receivable contract is changed to other nodes, and the purpose of reselling the accounts receivable contract is achieved.

The part of the bank end 130 includes an initial module 131, a detection module 132, and a financing module 133. The initial module 131 is configured to post the accounts receivable contract corresponding to the transaction message in a blockchain transaction after receiving the transaction message. In actual implementation, the issuance of the accounts receivable contract through the blockchain transaction can be realized through the blockchain program, and the private content of the bank 130 can be encrypted by the public key of the bank 130. In addition, the bank 130 may also provide a Know Your Customer (KYC) program in advance, and allow the receiving of the financing request of the seller 120 after the seller 120 performs the understanding of the client.

The detecting module 132 is configured to detect the status of the accounts receivable contract after receiving the financing request from the seller terminal 120, and allow the seller terminal 120 to apply for financing when the status of the accounts receivable contract is “received items”. And issue the corresponding financing contract according to the financing request. In other words, when the buyer 110 receives the transaction item, the transaction amount of the transaction becomes the receivable of the seller 120, and the bank 130 can provide the report within the range not exceeding the receivable. The seller's 120 equals financing. In addition, in actual implementation, when the bank side 130 issues a financing contract, the private content of the bank 130 can also be encrypted by the public key of the bank 130.

The financing module 133 is configured to change the status of the accounts receivable contract to "funded", send the financing amount of the financing request to the seller side 120, and store the financing contract address of the financing contract to the accounts receivable contract to establish an association. . In actual implementation, before the bank 130 sends the financing amount of the financing request to the seller 120, the financing amount and the interest thereof may be calculated to generate the total financing amount, and when the total financing amount is greater than the transaction amount of the item, the financing amount is refused to be sent to The seller side 120, in order to avoid the situation of excessive financing.

In addition, the bank 130 may further include a payment module 134 for receiving and accumulating the repayment amount sent by the seller terminal 120. When the accumulated repayment amount is equal to the total amount of the financing amount and the interest amount, the payment function of the call financing contract is Set the status of the financing contract to "liquidated", and the settlement function of the account receivable contract corresponding to the call clears the financing contract address stored in the accounts receivable contract to allow the seller terminal 120 to again accept the accounts receivable contract. Apply for financing.

Please refer to "Figure 2A" and "Figure 2B", "2A" and "2B" are flowcharts of the method for financing accounts receivable based on blockchain smart contracts, which are applied to the implementation of smart contracts. The blockchain network 10 includes the steps of: providing the buyer 110, the seller 120, and the bank 130 as nodes of the blockchain network 10 (step 210); the buyer 10 transmits the transaction message to the bank when conducting the transaction. End 130 (step 220); after receiving the transaction message, the bank 130 issues a receivable contract corresponding to the transaction message in a blockchain transaction (step 230); the seller 120 sends the transaction item to the buyer 110. After that, the item delivery function of the accounts receivable contract is called, so that the status of the accounts receivable contract of the accounts receivable contract is changed to the delivered item (step 240); after the buyer 110 receives the item of the transaction, the call should be The item of the accounts receivable contract has been received, so that the status of the accounts receivable contract is changed to the received item (step 250); when the seller side 120 applies for financing, the financing request corresponding to the receivables contract is transmitted to Bank side 130 (step 260); silver After receiving the financing request, the terminal 130 detects the status of the accounts receivable contract, and when the status of the accounts receivable contract is the received item, the seller side 120 is allowed to apply for financing, and the corresponding financing contract is issued according to the financing request, and The status of the receivables contract is changed to financed, the financing amount of the financing request is sent to the seller 120, and the financing contract address of the financing contract is stored to the accounts receivable contract to establish an association (step 270). Through the above steps, the buyer 110, the seller 120 and the bank 130 can be set as the nodes of the blockchain network 10, so that when the goods are traded, the buyer 110 issues the corresponding articles through the bank 130. The account contract, and after the buyer 110 receives the item sent by the seller 120, changes the status of the receivable contract to the received item, to allow the seller 120 to apply for financing to the bank 130, when the seller When the terminal 120 applies for financing, the bank 130 issues a corresponding financing contract and changes the financing contract status to have been financed, sends the financing amount to the seller 120, and stores the financing contract address to the accounts receivable contract to establish an association.

In particular, as shown in "FIG. 2B", after the step 250, after the buyer 110 sends the transaction amount to the seller 120, the payment of the notarized contract can be issued through the blockchain transaction for verification by the bank 130. After the bank 130 passes the verification, the payment function of the accounts receivable contract is called, the payment notarized contract address corresponding to the payment notarized contract is stored to the accounts receivable contract, and the status of the accounts receivable contract is changed as paid ( Step 251). In addition, after step 270, the bank 130 can receive and accumulate the reimbursement amount sent by the seller 120. When the accumulated repayment amount is equal to the total amount of the financing amount and the interest amount, the payment function of the call financing contract sets the financing contract status. For the liquidated, and the liquidation contract of the accounts receivable contract corresponding to the call, the financing contract address stored in the accounts receivable contract is cleared to allow the seller terminal 120 to apply for financing again with the accounts receivable contract (step 280). In actual implementation, during the period when the buyer 110 has called the item received, but has not sent the transaction amount to the seller 120, as long as the status of the receivable contract is not already financed, the bank 130 can allow the seller to 120 repeats applying for financing under the same receivables contract until the buyer 110 sends the transaction amount to the seller 120.

The following is a description of the following examples in conjunction with "3" and "4". Please refer to "3" and "3" for the application of the present invention to apply for financing the receivables of traded goods. Schematic diagram. Assuming that the buyer 110 and the seller 120 conduct transactions through the shopping platform, the buyer 110 can browse the product description 311 in the shopping platform through the shopping interface 310, and when confirming the product to be purchased, click the corresponding purchasing component 312 to purchase. In the process, the buyer terminal 110 can directly transmit the transaction message to the bank terminal 130 through the shopping platform, and the transaction message includes at least the transaction amount, the transaction product name, the buyer terminal 110, and the seller terminal 120. When the bank 130 receives the transaction message, it will issue an account receivable contract corresponding to the transaction message through the blockchain transaction, and the corresponding account receivable contract address will also allow the transaction parties (ie, the buyer terminal 110 and The seller side 120) is informed. On the other hand, the seller 120 can manage the sold merchandise through the management interface 320. For example, after the buyer 110 purchases the merchandise, the transaction is displayed in the management block 321 of the seller 120, for example, the merchandise is "Product 1"; the price is "1,000"; the status is "to be shipped", the buyer is "0x45f..." (ie: the buyer's account address / public key). After the seller 120 sends the transaction item, the product can be selected first and then the delivery component 331 is selected to call the item delivery function of the accounts receivable contract, so that the accounts receivable contract status of the accounts receivable contract Change to the delivered item. At this time, in the management block 321, the status of the item will be changed from the initial "to be shipped" to "sent out".

Next, when the buyer 110 receives the item of the transaction, the item of the accounts receivable contract can be called at the same time as the item is evaluated, and the status of the account receivable contract is changed to "received item". "." Then, the seller 120 can select the "commodity one" whose status is "received item", and then click the financing component 332 to apply for financing and input the financing amount, so as to generate and transmit the financing request corresponding to the accounts receivable contract to Bank side 130. After receiving the financing request, the bank terminal 130 detects the status of the corresponding accounts receivable contract. When the status of the accounts receivable contract is “received items”, the seller side 120 is allowed to apply for financing, and according to the financing request, The blockchain transaction method releases the financing contract corresponding to this commodity, and changes the status of the accounts receivable contract to “funded”, sends the financing amount of the financing request to the seller 120, and stores the financing contract address of the financing contract. To the accounts receivable contract to establish an association. At this point, the process of financing the application for the receivables of the traded goods is completed.

As shown in Figure 4, Figure 4 is a schematic diagram of the application of the present invention for repayment of financing and re-application for financing. In actual implementation, the seller 120 may browse all the financed transactions in the selection block 421 through the financing list interface 410, and after selecting at least one of the transactions, such as: "Product 2", the repayment component 431 is selected to repay Financing, for example, after clicking the reimbursement component 431, the repayment interface 450 will be opened for the seller to enter the reimbursement amount in the input block 451, and after clicking the confirmation component 452, the reimbursement amount will be sent to the bank 130. In addition, in actual implementation, the repayment amount may also be sent in batches. For example, after inputting the repayment amount of the portion in the input block 451, the confirmation component 451 is clicked to transmit the repayment amount to the bank terminal 130. Whether it is repayment in one lump sum or in batches, when the accumulated repayment amount is equal to the total amount of financing amount and interest amount, that is, the payment function of the call financing contract, the financing contract status is set to "liquidated", and the corresponding receivable account is called. The settlement function of the contract clears the stored financing contract address, and at this point, the repayment financing is completed. At this point, the seller may click on the refinancing component 432 to apply for financing again in the accounts receivable contract that has been repaid.

In summary, it can be seen that the difference between the present invention and the prior art is that the buyer, the seller, and the bank are set as nodes of the blockchain network, so that when the item is traded, the buyer sends the corresponding through the bank. The account receivable contract, and after the buyer receives the goods sent by the seller, change the status of the accounts receivable contract to the received items, to allow the seller to apply for financing from the bank, when the seller When applying for financing, the bank will issue the corresponding financing contract and change the status of the financing contract to have been financed, send the financing amount to the seller, and store the financing contract address to the accounts receivable contract to establish an association. It can solve the problems existing in the prior art, and then achieve the technical effect of improving the financing convenience of accounts receivable.

While the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.

10‧‧‧ Blockchain network

110‧‧‧ buyer

120‧‧‧Seller

130‧‧‧Bank side

131‧‧‧ initial module

132‧‧‧Detection module

133‧‧‧Finance module

134‧‧‧ collection module

310‧‧‧ shopping interface

311‧‧‧Commodity Description

312‧‧‧ Purchase components

320‧‧‧Management interface

321‧‧‧Management block

331‧‧‧ shipping components

332‧‧‧Financing components

410‧‧‧ financing list interface

421‧‧‧Select block

431‧‧‧Reimbursement component

432‧‧‧Refinancing components

450‧‧‧Reimbursement interface

451‧‧‧Input block

452‧‧‧Confirmation component

Step 210‧‧‧ Provide a buyer, a seller and a bank as nodes of the blockchain network

Step 220‧‧‧ The buyer transmits a transaction message to the bank when conducting the transaction

Step 230‧‧‧ After receiving the transaction message, the bank end issues a receivables contract corresponding to the transaction message by blockchain transaction

Step 240‧‧‧ The seller, after sending an item of the transaction to the buyer, calls an item delivery function of the accounts receivable contract to make a receivable contract status of the accounts receivable contract Change to sent item

Step 250‧‧‧ The buyer, after receiving the item of the transaction, calls an item of the receivables contract to receive the item, so that the status of the receivable contract is changed to the received item

Step 251‧‧‧ The buyer sends a transaction amount to the seller, and issues a notarized contract for the bank to verify through the blockchain transaction. When the bank passes the verification, the bank accounts for the receivables. a payment function, storing a payment notarized contract address corresponding to the notarized contract to the accounts receivable contract, and changing the status of the receivables contract to be paid

Step 260‧‧‧ When the seller applies for financing, send a financing request for the accounts receivable contract to the bank

Step 270‧‧‧ The bank end detects the status of the accounts receivable contract after receiving the financing request, and allows the seller to apply for financing when the status of the accounts receivable contract is received, and according to The financing request issues a corresponding financing contract, and changes the status of the receivables contract to financed, sends a financing amount of the financing request to the seller, and stores a financing contract address of the financing contract to The accounts receivable contract to establish an association

Step 280‧‧‧ The bank receives and accumulates a repayment amount sent by the seller. When the accumulated repayment amount is equal to the sum of the financing amount and the interest amount, a payment function for calling the financing contract will be The status of the financing contract is set to be settled, and a settlement function of the receivable contract corresponding to the call clears the stored financing contract address to allow the seller to apply for financing again in the accounts receivable contract.

The first figure is a system block diagram of the receivables financing system based on the blockchain smart contract of the present invention. 2A and 2B are flowcharts of a method for the receivables financing method based on the blockchain smart contract of the present invention. Figure 3 is a schematic diagram of applying for the financing of accounts receivable for trading commodities. Figure 4 is a schematic diagram of the application of the present invention to repay financing and re-apply for financing.

Claims (10)

An account receivable financing system based on a blockchain smart contract, which is applied to a blockchain network for executing a smart contract, the system comprising: a buyer terminal for transmitting a transaction message when conducting a transaction, and After receiving an item of the transaction, an item of the account receivable contract is received, so that the status of a receivable contract of the receivable contract is changed to the received item; After sending the item of the transaction to the buyer, calling an item delivery function of the accounts receivable contract, changing the status of the accounts receivable contract to the delivered item, and transmitting the pair when applying for financing a financing request for the accounts receivable contract; and a bank terminal, the bank terminal comprising: an initial module for issuing the corresponding transaction message in a blockchain transaction after receiving the transaction message a payment module; a detection module for detecting the status of the receivables contract after receiving the financing request, and allowing the seller to apply when the status of the receivable contract is an received item Financing, and And issuing a corresponding financing contract according to the financing request; and a financing module for changing the status of the accounts receivable contract to financed, sending a financing amount of the financing request to the seller, and the financing A financing contract address of the contract is stored in the accounts receivable contract to establish an association. The receivables financing system based on the blockchain smart contract according to Item 1 of the patent application scope, wherein the bank end further comprises a collection module for receiving and accumulating a repayment amount sent by the seller side, when accumulating When the repayment amount is equal to the sum of the financing amount and the interest amount, a payment function for calling the financing contract, setting the status of a financing contract as paid, and a settlement letter of the receivable contract corresponding to the call The stored financing contract address is cleared to allow the seller to apply for financing again in the accounts receivable contract. According to the blockchain smart contract-based receivables financing system of claim 1, wherein the buyer sends a transaction amount to the seller, and issues a notarized contract for the bank through the blockchain transaction. Verification, when the bank end passes the verification, call a payment function of the accounts receivable contract, store a payment notarized contract address corresponding to the notarized contract to the accounts receivable contract, and change the accounts receivable The status of the contract is paid. According to the blockchain smart contract-based receivables financing system of claim 1, wherein the bank sends the financing amount of the financing request to the seller, calculating the financing amount and interest thereof to generate A total amount of financing, and when the total amount of financing is greater than a transaction amount of the item, the financing amount is refused to be sent to the seller. According to the blockchain smart contract-based receivables financing system of claim 1, wherein the bank provides a Know Your Customer (KYC) program, and after executing the understanding client program on the seller side Allowing to receive the financing request from the seller. A method for financing accounts receivable based on blockchain intelligent contract, which is applied to a blockchain network for executing smart contracts, the steps comprising: providing a buyer, a seller and a bank as the blockchain network a node of the road; the buyer transmits a transaction message to the bank when the transaction is performed; after receiving the transaction message, the bank end issues a receivable contract corresponding to the transaction message by using the blockchain transaction; After the seller sends an item of the transaction to the buyer, the seller calls an item delivery function of the accounts receivable contract, so that the status of the accounts receivable contract of the accounts receivable contract is changed to the delivered item. After receiving the item of the transaction, the buyer calls an item of the receivables contract to receive the item, so that the status of the receivable contract is changed to the received item; when the seller applies for financing Transmitting a financing request corresponding to the accounts receivable contract to the bank; and after receiving the financing request, the bank terminal detects the status of the accounts receivable contract, when the status of the accounts receivable contract is Received items Allowing the seller to apply for financing, and issuing a corresponding financing contract according to the financing request, and changing the status of the receivables contract to financed, sending a financing amount of the financing request to the seller, and A financing contract address of the financing contract is stored in the accounts receivable contract to establish an association. The method for financing accounts receivable based on blockchain smart contract according to item 6 of the patent application scope, wherein the method further comprises receiving, by the bank, a repayment amount sent by the seller, when the accumulated repayment amount is equal to the When the amount of financing and the total amount of interest amount, the payment function of the financing contract is called, the state of a financing contract is set as paid, and the financing of the receivable contract corresponding to the call is cleared. The contract address is a step that allows the seller to apply for financing again under the accounts receivable contract. According to the method for financing the accounts receivable based on the blockchain smart contract of claim 6, the method further comprises that the buyer sends a transaction amount to the seller to issue a notarized contract through the blockchain transaction. The bank end verifies that, when the bank end passes the verification, calls a payment function of the accounts receivable contract, stores a payment notarized contract address corresponding to the notarized contract to the accounts receivable contract, and changes the The status of the accounts receivable contract is the paid step. The method for financing accounts receivable based on blockchain smart contract according to item 6 of the patent application scope, wherein the bank side calculates the financing amount and interest thereof to generate the financing amount of the financing request before generating the financing amount to generate A total amount of financing, and when the total amount of financing is greater than a transaction amount of the item, the financing amount is refused to be sent to the seller. The method for financing accounts receivable based on the blockchain smart contract according to claim 6 of the patent application scope, wherein the bank provides a Know Your Customer (KYC) program, and after executing the understanding client program on the seller side Allowing to receive the financing request from the seller.