WO2019192119A1 - 基于区块链的融资方法、系统及存储介质 - Google Patents

基于区块链的融资方法、系统及存储介质 Download PDF

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WO2019192119A1
WO2019192119A1 PCT/CN2018/100148 CN2018100148W WO2019192119A1 WO 2019192119 A1 WO2019192119 A1 WO 2019192119A1 CN 2018100148 W CN2018100148 W CN 2018100148W WO 2019192119 A1 WO2019192119 A1 WO 2019192119A1
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financing
blockchain
target
information
information platform
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PCT/CN2018/100148
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English (en)
French (fr)
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王义文
王健宗
肖京
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平安科技（深圳）有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/18—Legal services

Definitions

  • the present application relates to the field of blockchain technology, and in particular, to a blockchain-based financing method, system and storage medium.
  • the bank Since the bank relies on the core enterprise's ability to control the goods and adjust the sales ability, for the sake of risk control, the bank is only willing to provide factoring services to the upstream suppliers (limited to the first-tier suppliers) that have direct accounts payable obligations to the core enterprises. Or provide advance payment or inventory financing to its downstream distributor (primary supplier). This has led to the unsatisfied demand of secondary and tertiary suppliers/distributors with huge financing needs, the limited volume of supply chain finance, and the lack of timely financing for SMEs, which may lead to product quality problems. Will hurt the entire supply chain system. In addition, due to the opaque information, it is inevitable to be cautious when giving credit to enterprises, especially small and medium-sized enterprises, and even be too cautious to prevent and control risks.
  • a blockchain-based financing method comprising:
  • the target edge node obtains the account information input by the target financing requester on the financing interface, and logs in to the blockchain information platform;
  • the target edge node obtains financing information of the target financing requestor from the blockchain information platform;
  • the target edge node determines a financing amount of the target financing requester by using a financing level analysis model based on the financing information.
  • the target edge node obtains the financing information of the target financing requester from the blockchain information platform, including one or more of the following combinations:
  • the target edge node acquires a product in a target time period of the enterprise entity through the blockchain information platform.
  • the target edge node determines, according to the financing information, the financing amount of the target financing requester by using a financing level analysis model, including:
  • the target edge node acquires the financing information of the target financing requestor from the blockchain information platform, triggering a financing recommendation notification by using the blockchain information platform, where the blockchain information platform will
  • the financing recommendation notice is sent to a third party financial intermediary, and the third party financial intermediary pushes matching financing plan data to the target edge node based on the financing information; the target financing requester returns based on the target edge node
  • the financing plan data selects an appropriate financing plan; the target edge node determines the financing amount of the target financing requesting party by using the financing level analysis model based on the selected financing plan.
  • the blockchain information platform encrypts transaction records using asymmetric encryption techniques.
  • the blockchain information platform utilizes a timestamp technique to load time data for each transaction.
  • the method further includes:
  • the blockchain information platform is constructed based on a semi-public private chain form of blockchain technology.
  • the blockchain information platform further performs data transmission with the funder, and the method further includes:
  • the blockchain information platform triggers the approval notice of the financing amount to wait for the fund party to confirm the approval
  • the blockchain information platform triggers the smart loan contract, and periodically transfers the loan from the bank account of the funder to the bank account of the financing requestor.
  • the method further includes:
  • the target edge node purchases the target commodity from the target enterprise by using the loan according to the blockchain information platform;
  • the blockchain information platform sends the lost information of the target commodity to the factoring institution;
  • the blockchain information platform triggers an intelligent claims contract, and sends the smart claims contract to the factoring mechanism
  • the blockchain information platform allocates claims from the bank account of the factoring institution to the financing requestor In the bank account.
  • a blockchain-based financing system comprising a blockchain information platform and a financing requester, each financing requestor corresponding to an edge node;
  • the target edge node obtains the account information input by the target financing requester on the financing interface, and logs in to the blockchain information platform;
  • the target edge node obtains financing information of the target financing requestor from the blockchain information platform;
  • the target edge node determines a financing amount of the target financing requester by using a financing level analysis model based on the financing information.
  • a non-volatile readable storage medium storing at least one instruction, the at least one instruction being executed by a processor to implement the blockchain-based in any of the embodiments Financing method.
  • the blockchain information platform is logged, and the financing information of the target financing requestor is obtained from the blockchain information platform.
  • the target edge node determines the financing amount of the target financing requester according to the financing information and using a financing level analysis model.
  • the application utilizes the blockchain technology to realize the transparent and full visibility of the information between the business flow, the logistics and the capital flow in the supply chain finance, thereby reducing the financing difficulty of the small and medium-sized enterprises and the self-employed individuals, and the blockchain information platform
  • the transaction record cannot be falsified, which reduces the financing risk of the funder.
  • it is not necessary to calculate the financing amount in the cloud center which reduces the computing power of the cloud center and the burden of data transmission, and improves the real-time financing.
  • FIG. 1 is an application environment diagram of a preferred embodiment of a blockchain-based financing method implementing the present application.
  • FIG. 2 is a flow chart of a first preferred embodiment of a blockchain based financing method of the present application.
  • FIG. 3 is a flow chart of a second preferred embodiment of a blockchain based financing method of the present application.
  • FIG. 4 is a block diagram of a preferred embodiment of a blockchain based financing system of the present application.
  • FIG. 5 is a schematic structural diagram of a preferred embodiment of an electronic device implementing the blockchain-based financing method in at least one example of the present application.
  • FIG. 1 is an application environment diagram of a preferred embodiment of a blockchain-based financing method for implementing the present application.
  • the application environment map includes a financing system of a blockchain, and the financing system of the blockchain includes a blockchain information platform, a financing requester, and a funder.
  • the financing requester and the funder directly trade with the upstream and downstream enterprises of the supply chain through the blockchain information platform, and the transaction information record is packaged into blocks, and the blockchain information is recorded in the blockchain information by using the blockchain technology. Platform and stored in a distributed manner.
  • each financing requester and each funder corresponds to an edge node, and each edge node has edge computing capability.
  • the target financing requestor corresponding to the target edge node When the target financing requestor corresponding to the target edge node has financing demand, log in to the blockchain information platform, and obtain financing information of the target financing requestor from the blockchain information platform, where the target edge node is based on The financing information is used to determine a financing amount of the target financing requester by using a financing level analysis model.
  • the financing requester includes, but is not limited to, an enterprise entity and a self-employed entity.
  • the business entity includes, but is not limited to, a supplier, a distributor, a retailer, a recycler, and a logistics provider.
  • the funds include, but are not limited to, banks, Internet financial institutions, and other institutions that provide financing funds.
  • the interaction between the entities in the blockchain-based financing system is communicated through the network, and the network includes, but not limited to, the Internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (VPN), and the like.
  • the network includes, but not limited to, the Internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (VPN), and the like.
  • VPN virtual private network
  • the blockchain-based financing method is implemented in detail in conjunction with the following embodiments.
  • FIG. 2 is a flow chart of a first preferred embodiment of a blockchain-based financing method of the present application. The order of the steps in the flowchart may be changed according to different requirements, and some steps may be omitted.
  • the target edge node obtains the account information input by the target financing requester on the financing interface, and logs in to the blockchain information platform.
  • each edge node corresponds to a processing device, which is a device with data computing capabilities (eg, a computer, a cell phone, etc.).
  • a processing device which is a device with data computing capabilities (eg, a computer, a cell phone, etc.).
  • the account information is used to identify the identity of the target financing requestor, including, but not limited to, an account number, a password, and the like.
  • the blockchain information platform is a blockchain based platform.
  • Blockchain is an Internet-based distributed ledger technology. It establishes a trust network between transaction entities through encrypted account book distributed storage and collective maintenance. It has the characteristics of decentralized words, traceability, collective maintenance and information cannot be tampered with.
  • Each of the financing requesters and each of the financing parties are the main body of the blockchain information platform.
  • the network nodes in the blockchain information platform can directly generate transactions point-to-point, and reach a consensus on the billing rights of transaction data within a period of time, independent storage and collective maintenance.
  • the blockchain information platform encrypts the transaction record by using an asymmetric encryption technology to ensure data security and reliability.
  • the blockchain information platform uses timestamp technology to load time data for each transaction accounting, thereby ensuring the plasticity and verifiability of the data.
  • the blockchain information platform is constructed in the form of a semi-public private chain (also known as a federated chain) based on blockchain technology. Since the nodes in the alliance chain are not completely equal, the nodes filtered according to the rules can obtain the right to verify the new block and the accounting, participate in the consensus mechanism on the chain, and thus expand the blockchain information platform constructed in the form of the alliance chain. Better, the decentralization of the network can be achieved while ensuring the transaction speed, and the data cannot be changed.
  • a semi-public private chain also known as a federated chain
  • the blockchain information platform constructed by the blockchain technology puts the data in the supply financial chain on the blockchain chain, and utilizes the characteristics of the blockchain to make it impossible to tamper with and provide data confirmation. Traceability and other services; realize the digitization of assets, turn warehouse receipts, contracts, and blockchain notes that can represent financing needs into digital assets, and have unique, non-tamperable, non-replicable characteristics;
  • the blockchain information platform will be transformed into a digital financial asset exchange, which will transform non-standard corporate loan demand into standardized financial products, carry out tokenization, docking investment and financing needs, and conduct value transactions.
  • the target edge node obtains financing information of the target financing requestor from the blockchain information platform.
  • the target edge node obtains financing information of the target financing requestor from the blockchain information platform, including but not limited to one or more of the following combinations:
  • the target edge node acquires a target time period of the enterprise entity through the blockchain information platform.
  • Product information within the product information as part of the financing information is not limited to the blockchain information platform.
  • the blockchain information platform configures a unique electronic identity for each product.
  • a unique electronic identity for all transaction records of the product, from all raw materials in the purchase of the product to the output of the product (eg, all transactions in the supply chain such as product transportation logistics, product distribution, retail to recycling) Traceability can be ensured by configuring a unique electronic identification for each product to ensure traceability of the product.
  • the product of the enterprise entity can be used as a guarantee for the financing loan.
  • the distributor A obtains the transaction record of purchasing the product C from the supplier B through the blockchain information platform. Since the blockchain information platform is established based on the blockchain technology, the processing device at the edge node corresponding to the distributor A can calculate the financing amount by using the information of the product C in the blockchain information platform, and The blockchain information platform triggers a loan contract for approval by the funder.
  • the target edge node obtains the real estate information of the target financing requester through the blockchain information platform, and uses the real estate information as part of the financing information.
  • the real estate information includes, but is not limited to, real estate information, factory information, equipment information, and enterprise qualification information.
  • the enterprise qualification information is data for evaluating the overall scale of the enterprise, for example, the revenue status, the enterprise scale, and the like, and the application does not impose any restrictions.
  • the target edge node acquires the credit information of the target financing requester through the blockchain information platform, and uses the credit information as part of the financing information.
  • the target edge node determines, according to the financing information, a financing amount of the target financing requester by using a financing level analysis model.
  • the method further includes: when the target edge node acquires financing information of the target financing requestor from the blockchain information platform, triggering a financing recommendation notification by using the blockchain information platform, where
  • the blockchain information platform sends the financing recommendation notice to a third party financial intermediary, and the third party financial intermediary pushes matching financing plan data based on the financing information (eg, secured financing based on product information, based on The sponsor financing of the brand, etc.) to the target edge node, the target financing requester selects an appropriate financing plan based on the financing plan data returned by the target edge node; the target edge node uses the financing level based on the selected financing plan
  • the analysis model determines the financing amount of the target financing requestor.
  • each financing level corresponds to a different financing amount
  • the financing level analysis model is used to determine the target financing level of the target financing requester, and then the financing amount of the target financing requesting party is determined according to the target financing level.
  • SVM Support Vector Machine
  • the financing level analysis model is trained, and the training process is as follows:
  • Different levels of training sample data of the financing indicator are configured, and different levels of training sample data are distributed to different folders.
  • the training sample data of the primary financing risk level is distributed to the first folder; the training sample data of the secondary financing risk level is distributed to the second folder; the training sample data of the tertiary financing risk level is distributed to the third folder.
  • the training sample data of the four-level financing risk level is distributed to the fourth folder. Extracting a first preset ratio from each of the different folders, for example, 70% of the training sample data is used as training data for training of a support vector machine (SVM) model, and the remaining second preset ratios are taken from different folders. For example, 30% of the training sample data is used as test data to verify the accuracy of the generated SVM model.
  • SVM support vector machine
  • the generated SVM model accuracy is less than the preset accuracy rate, for example, 99%, increase the number of acquisitions of the training sample data of different levels of the financing indicator, and repeat the generation process of the SVM model until the generated SVM model accuracy rate Greater than or equal to the preset accuracy, for example, 99%.
  • the financing indicator includes, but is not limited to, one or more of the following combinations: product indicators, real estate indicators, credit information indicators, and the like.
  • the financing requester when the financing requester needs to finance, it only needs to obtain the financing information in the blockchain information platform at its own edge node, calculate the financing amount, and submit the financing request, without calculating in the cloud center.
  • the financing quota reduces the computing power of the cloud center and the burden of data transmission, and improves the real-time financing.
  • the blockchain information platform is directly used to directly trade with the upstream and downstream enterprises of the supply chain, and the transaction information record is packaged into blocks, and the blockchain information platform is recorded in the blockchain information platform and stored in a distributed manner. Therefore, the information between the business flow, logistics and capital flow in the supply chain finance can be transparent and visible throughout the whole process, which reduces the difficulty of financing for small and medium-sized enterprises and self-employed individuals.
  • the transaction records on the blockchain information platform cannot be falsified and reduced. The financing risk of the fund side.
  • the blockchain information platform acquires the transaction record of the target financing requester periodically (such as weekly), and dynamically adjusts the financing amount according to the regularly acquired transaction record to reduce the financing risk.
  • the target financing requestor corresponding to a target edge node when the target financing requestor corresponding to a target edge node has financing requirements, log in to the blockchain information platform, and obtain the target financing requester from the blockchain information platform.
  • the financing information the target edge node determines the financing amount of the target financing requester according to the financing information and using the financing level analysis model.
  • the application utilizes the blockchain technology to realize the transparent and full visibility of the information between the business flow, the logistics and the capital flow in the supply chain finance, thereby reducing the financing difficulty of the small and medium-sized enterprises and the self-employed individuals, and the blockchain information platform
  • the transaction record cannot be falsified, which reduces the financing risk of the funder.
  • it is not necessary to calculate the financing amount in the cloud center which reduces the computing power of the cloud center and the burden of data transmission, and improves the real-time financing.
  • FIG. 3 it is a flowchart of a second preferred embodiment of the blockchain-based financing method of the present application.
  • the order of the steps in the flowchart may be changed according to different requirements, and some steps may be omitted.
  • S30 to S32 correspond to S20 to S22 in the first preferred embodiment, respectively, and will not be described in detail herein.
  • the blockchain information platform triggers an approval notice of the financing amount to wait for the funder to confirm approval.
  • the blockchain information platform After the target edge node submits the request for the financing quota through the blockchain information platform, the blockchain information platform automatically triggers the approval notice and sends the notification to the funder, and the funder confirms whether the financing amount passes .
  • the blockchain information platform triggers a smart loan contract, and periodically allocates a loan from the bank account of the funder to the bank of the financing requestor. Account.
  • the blockchain information platform utilizes a smart contract in the blockchain technology to generate contract content between the various entities and trigger conditions of each contract.
  • a trigger condition of a contract is triggered, the certain contract is automatically executed, and the external connection cannot interfere.
  • the supply chain contract is executed in the form of a smart contract, so that when the smart loan contract is triggered, the bank account of the funder is automatically allocated a loan to the bank account of the financing requester, thereby improving the processing efficiency.
  • the target edge node purchases the target commodity from the target enterprise by using the loan according to the blockchain information platform.
  • the target financing requester performs a transaction with the target enterprise through the blockchain information platform, and the transaction record of purchasing the target commodity is recorded in the blockchain information platform. On the blockchain.
  • the transaction record includes, but is not limited to, all data associated with the transaction such as purchase time, purchase of goods, purchaser, seller, purchase amount, purchase price, etc., so that subsequent traceability can be performed.
  • the smart sensor when the target commodity is transported by a logistics company and is lost, the smart sensor loses a report to the blockchain information platform, and the blockchain information platform passes the smart contract Trigger a lost notification.
  • the blockchain information platform triggers an intelligent claims contract, and sends the smart claims contract to the Factoring agency.
  • the blockchain information platform allocates claims from the bank account of the factoring institution to the financing request. In the bank account of the party.
  • the present application implements automatic claims through blockchain technology, thereby enabling transparency of the claims process in supply chain finance, thereby improving claims efficiency and less claims risk in supply chain finance.
  • the present application is based on a program module diagram of a first preferred embodiment of a blockchain financing system.
  • the blockchain-based financing system 4 includes, but is not limited to, one or more of the following modules: an obtaining module 40, a determining module 41, a training module 43, and a purchasing module 47 located in a financing requester corresponding to the target edge node;
  • a module referred to in this application refers to a series of computer readable instruction segments that can be executed by a processor of the blockchain based financing system 4 and that are capable of performing fixed functions, which are stored in a memory. The function of each module will be detailed in the subsequent embodiments.
  • the obtaining module 40 obtains the account information input by the target financing requester on the financing interface, and logs in to the blockchain information platform.
  • each edge node corresponds to a processing device, which is a device with data computing capabilities (eg, a computer, a cell phone, etc.).
  • a processing device which is a device with data computing capabilities (eg, a computer, a cell phone, etc.).
  • the account information is used to identify the identity of the target financing requestor, including, but not limited to, an account number, a password, and the like.
  • the blockchain information platform is a blockchain based platform.
  • Blockchain is an Internet-based distributed ledger technology. It establishes a trust network between transaction entities through encrypted account book distributed storage and collective maintenance. It has the characteristics of decentralized words, traceability, collective maintenance and information cannot be tampered with.
  • Each of the financing requesters and each of the financing parties are the main body of the blockchain information platform.
  • the network nodes in the blockchain information platform can directly generate transactions point-to-point, and reach a consensus on the billing rights of transaction data within a period of time, independent storage and collective maintenance.
  • the blockchain information platform encrypts the transaction record by using an asymmetric encryption technology to ensure data security and reliability.
  • the blockchain information platform uses timestamp technology to load time data for each transaction accounting, thereby ensuring the plasticity and verifiability of the data.
  • the blockchain information platform is constructed in the form of a semi-public private chain (also known as a federated chain) based on blockchain technology. Since the nodes in the alliance chain are not completely equal, the nodes filtered according to the rules can obtain the right to verify the new block and the accounting, participate in the consensus mechanism on the chain, and thus expand the blockchain information platform constructed in the form of the alliance chain. Better, the decentralization of the network can be achieved while ensuring the transaction speed, and the data cannot be changed.
  • a semi-public private chain also known as a federated chain
  • the blockchain information platform constructed by the blockchain technology puts the data in the supply financial chain on the blockchain chain, and utilizes the characteristics of the blockchain to make it impossible to tamper with and provide data confirmation. Traceability and other services; realize the digitization of assets, turn warehouse receipts, contracts, and blockchain notes that can represent financing needs into digital assets, and have unique, non-tamperable, non-replicable characteristics;
  • the blockchain information platform will be transformed into a digital financial asset exchange, which will transform non-standard corporate loan demand into standardized financial products, carry out tokenization, docking investment and financing needs, and conduct value transactions.
  • the obtaining module 40 obtains the financing information of the target financing requester from the blockchain information platform.
  • the acquiring module 40 obtains financing information of the target financing requestor from the blockchain information platform, including but not limited to one or a combination of the following:
  • the target edge node acquires a target time period of the enterprise entity through the blockchain information platform.
  • Product information within the product information as part of the financing information is not limited to the blockchain information platform.
  • the blockchain information platform configures a unique electronic identity for each product.
  • a unique electronic identity for all transaction records of the product, from all raw materials in the purchase of the product to the output of the product (eg, all transactions in the supply chain such as product transportation logistics, product distribution, retail to recycling) Traceability can be ensured by configuring a unique electronic identification for each product to ensure traceability of the product.
  • the product of the enterprise entity can be used as a guarantee for the financing loan.
  • the distributor A obtains the transaction record of purchasing the product C from the supplier B through the blockchain information platform. Since the blockchain information platform is established based on the blockchain technology, the processing device at the edge node corresponding to the distributor A can calculate the financing amount by using the information of the product C in the blockchain information platform, and The blockchain information platform triggers a loan contract for approval by the funder.
  • the target edge node obtains the real estate information of the target financing requester through the blockchain information platform, and uses the real estate information as part of the financing information.
  • the real estate information includes, but is not limited to, real estate information, factory information, equipment information, and enterprise qualification information.
  • the enterprise qualification information is data for evaluating the overall scale of the enterprise, for example, the revenue status, the enterprise scale, and the like, and the application does not impose any restrictions.
  • the target edge node acquires the credit information of the target financing requester through the blockchain information platform, and uses the credit information as part of the financing information.
  • the determining module 41 determines the financing amount of the target financing requester by using the financing level analysis model based on the financing information.
  • the determining module 41 is further configured to trigger a financing recommendation notification by using the blockchain information platform when the target edge node acquires financing information of the target financing requestor from the blockchain information platform.
  • the sending module 42 sends the financing recommendation notice to a third-party financial intermediary, and the third-party financial intermediary pushes matching financing plan data based on the financing information (such as guarantee financing based on product information, based on The sponsor financing of the brand, etc.) to the target edge node, the target financing requester selects an appropriate financing plan based on the financing plan data returned by the target edge node; the determining module 41 utilizes the financing level based on the selected financing plan
  • the analysis model determines the financing amount of the target financing requestor.
  • each financing level corresponds to a different financing amount
  • the financing level analysis model is used to determine the target financing level of the target financing requester, and then the financing amount of the target financing requesting party is determined according to the target financing level.
  • SVM Support Vector Machine
  • the training module 43 trains the financing level analysis model by using training samples corresponding to the financing indicator data, and the training process is as follows:
  • Different levels of training sample data of the financing indicator are configured, and different levels of training sample data are distributed to different folders.
  • the training sample data of the primary financing risk level is distributed to the first folder; the training sample data of the secondary financing risk level is distributed to the second folder; and the training sample data of the tertiary financing risk level is distributed to the third folder.
  • the training sample data of the four-level financing risk level is distributed to the fourth folder. Extracting a first preset ratio from each of the different folders, for example, 70% of the training sample data is used as training data for training of a support vector machine (SVM) model, and the remaining second preset ratios are taken from different folders. For example, 30% of the training sample data is used as test data to verify the accuracy of the generated SVM model.
  • SVM support vector machine
  • the generated SVM model accuracy is less than the preset accuracy rate, for example, 99%, increase the number of acquisitions of the training sample data of different levels of the financing indicator, and repeat the generation process of the SVM model until the generated SVM model accuracy rate Greater than or equal to the preset accuracy, for example, 99%.
  • the financing indicator includes, but is not limited to, one or more of the following combinations: product indicators, real estate indicators, credit information indicators, and the like.
  • the financing requester when the financing requester needs to finance, it only needs to obtain the financing information in the blockchain information platform at its own edge node, calculate the financing amount, and submit the financing request, without calculating in the cloud center.
  • the financing quota reduces the computing power of the cloud center and the burden of data transmission, and improves the real-time financing.
  • the blockchain information platform is directly used to directly trade with the upstream and downstream enterprises of the supply chain, and the transaction information record is packaged into blocks, and the blockchain information platform is recorded in the blockchain information platform and stored in a distributed manner. Therefore, the information between the business flow, logistics and capital flow in the supply chain finance can be transparent and visible throughout the whole process, which reduces the difficulty of financing for small and medium-sized enterprises and self-employed individuals.
  • the transaction records on the blockchain information platform cannot be falsified and reduced. The financing risk of the fund side.
  • the data obtaining module 44 acquires the transaction record of the target financing requester periodically (such as weekly), and dynamically adjusts the financing amount according to the regularly acquired transaction record to reduce the financing risk.
  • the target financing requestor corresponding to a target edge node when the target financing requestor corresponding to a target edge node has financing requirements, log in to the blockchain information platform, and obtain the target financing requester from the blockchain information platform.
  • the financing information the target edge node determines the financing amount of the target financing requester according to the financing information and using the financing level analysis model.
  • the application utilizes the blockchain technology to realize the transparent and full visibility of the information between the business flow, the logistics and the capital flow in the supply chain finance, thereby reducing the financing difficulty of the small and medium-sized enterprises and the self-employed individuals, and the blockchain information platform
  • the transaction record cannot be falsified, which reduces the financing risk of the funder.
  • it is not necessary to calculate the financing amount in the cloud center which reduces the computing power of the cloud center and the burden of data transmission, and improves the real-time financing.
  • system further includes:
  • the approval module 45 triggers the approval notice of the financing amount to wait for the funder to confirm the approval.
  • the blockchain information platform After the target edge node submits the request for the financing quota through the blockchain information platform, the blockchain information platform automatically triggers the approval notice and sends the notification to the funder, and the funder confirms whether the financing amount passes .
  • the transfer module 46 triggers the smart loan contract, and periodically transfers the loan from the bank account of the funder to the bank account of the financing requester.
  • the dialing module 46 utilizes the smart contract in the blockchain technology to generate contract content between the various entities and trigger conditions for each contract.
  • a trigger condition of a contract is triggered, the certain contract is automatically executed, and the external connection cannot interfere.
  • the supply chain contract is executed in the form of a smart contract, so that when the smart loan contract is triggered, the bank account of the funder is automatically allocated a loan to the bank account of the financing requester, thereby improving the processing efficiency.
  • the purchase module 47 purchases the target item from the target enterprise side through the blockchain information platform based on the loan.
  • the target financing requester performs a transaction with the target enterprise through the blockchain information platform, and the transaction record of purchasing the target commodity is recorded in the blockchain information platform. On the blockchain.
  • the transaction record includes, but is not limited to, all data associated with the transaction such as purchase time, purchase of goods, purchaser, seller, purchase amount, purchase price, etc., so that subsequent traceability can be performed.
  • the sending module 42 sends the lost information of the target commodity to the factoring mechanism.
  • the smart sensor when the target commodity is transported by a logistics company and is lost, the smart sensor loses a report to the blockchain information platform, and the blockchain information platform passes the smart contract Trigger a lost notification.
  • the sending module 42 triggers the smart claims contract, and sends the smart claims contract to the factoring institution.
  • the dialing module 46 allocates the claim money from the bank account of the factoring institution to the bank account of the financing requestor. in.
  • the present application implements automatic claims through blockchain technology, thereby enabling transparency of the claims process in supply chain finance, thereby improving claims efficiency and less claims risk in supply chain finance.
  • the above-described integrated unit implemented in the form of a software program module can be stored in a non-volatile readable storage medium.
  • the software program module described above is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor to perform the method of each embodiment of the present application. Part of the steps.
  • the electronic device 5 includes, but is not limited to, a financing requestor processing device 50, a blockchain information platform processing device 51, and a fund processing device 52.
  • the financing requestor processing device 50, or the blockchain information platform processing device 51 or the funder processing device 52 includes, but is not limited to: at least one transmitting device, at least one memory, at least one processor, at least one receiving device, and at least A communication bus. Wherein, the communication bus is used to implement connection communication between these components.
  • the financing requestor processing device 50, or the blockchain information platform processing device 51 or the funder processing device 52 is a device capable of automatically performing numerical calculation and/or information processing according to an instruction set or stored in advance.
  • the hardware includes but is not limited to a microprocessor, an application specific integrated circuit (ASIC), a field-programmable gate array (FPGA), a digital signal processor (DSP), an embedded device, etc. .
  • the financing requestor processing device 50, or the blockchain information platform processing device 51 or the funder processing device 52 may also include a network device and/or a user device.
  • the network device includes, but is not limited to, a single network server, a server group composed of multiple network servers, or a cloud computing-based cloud composed of a large number of hosts or network servers, where the cloud computing is distributed computing.
  • a super virtual computer consisting of a group of loosely coupled computers.
  • the financing requestor processing device 50, or the blockchain information platform processing device 51 or the fund processing device 52 may be, but is not limited to, any one capable of interacting with a user through a keyboard, a touch pad or a voice control device.
  • Electronic products such as tablets, smart phones, personal digital assistants (PDAs), smart wearable devices, camera devices, monitoring devices and other terminals.
  • the network in which the financing requestor processing device 50, or the blockchain information platform processing device 51 or the fund processing device 52 is located includes, but is not limited to, the Internet, a wide area network, a metropolitan area network, a local area network, and a virtual private network (Virtual Private Network) , VPN) and so on.
  • the receiving device and the sending device may be wired transmission ports, or may be wireless devices, for example, including antenna devices, for performing data communication with other devices.
  • the memory is for storing program code.
  • the memory may be a circuit having a storage function, such as a RAM (Random-Access Memory), a FIFO (First In First Out), or the like, which is not in a physical form in the integrated circuit.
  • the memory may also be a memory having a physical form, such as a memory stick, a TF card, a smart media card, a secure digital card, a flash memory card ( Flash card) and other storage devices.
  • the processor can include one or more microprocessors, digital processors.
  • the processor may invoke program code stored in the memory to perform an associated function; a processor of the financing requestor processing device 50 may invoke program code stored in a memory of the financing requestor processing device 50 to execute Related functions; the processor of the blockchain information platform processing device 51 can invoke program code stored in the memory of the blockchain information platform processing device 51 to perform related functions.
  • the various modules described in FIG. 3 are program code stored in a memory and executed by the processor to implement a blockchain based financing method.
  • the processor also known as the Central Processing Unit (CPU), is a very large-scale integrated circuit, which is a computing core (Core) and a control unit (Control Unit).
  • Embodiments of the present application also provide a non-volatile readable storage medium having stored thereon computer instructions that, when executed by one or more processors, cause a blockchain-based financing device to perform as above The blockchain-based financing method described in the method embodiment.
  • the memory of the financing requestor processing device 50 and the memory of the blockchain information platform processing device 51 store a plurality of instructions to implement a blockchain-based financing method
  • the processor of the financing requestor processing device 50 and the processor of the blockchain information platform processing device 51 may execute the plurality of instructions to implement: the target edge node acquires account information input by the target financing requester on the financing interface, And logging in the blockchain information platform; after the blockchain information platform verifies that the account information is passed, the target edge node obtains the financing information of the target financing requestor from the blockchain information platform; Based on the financing information, the target edge node determines a financing amount of the target financing requester by using a financing level analysis model.
  • the above-described characteristic means of the present application can be implemented by an integrated circuit and control the function of implementing the blockchain-based financing method in any of the above embodiments. That is, the integrated circuit of the present application is installed in the electronic device, so that the electronic device performs the following functions: the target edge node acquires account information input by the target financing requester on the financing interface, and logs in the blockchain information platform; After the blockchain information platform verifies that the account information is passed, the target edge node acquires financing information of the target financing requestor from the blockchain information platform; the target edge node is based on the financing Information, using the financing level analysis model to determine the financing amount of the target financing requestor.
  • the functions that can be implemented by the blockchain-based financing method in any of the embodiments can be installed in the electronic device through the integrated circuit of the present application, so that the electronic device can be implemented based on the block in any embodiment.
  • the functions that can be achieved by the chain financing method are not detailed here.
  • the disclosed apparatus may be implemented in other ways.
  • the device embodiments described above are merely illustrative.
  • the division of the unit is only a logical function division.
  • there may be another division manner for example, multiple units or components may be combined or may be Integrate into another system, or some features can be ignored or not executed.
  • the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be electrical or otherwise.
  • the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • the integrated unit if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a non-volatile readable storage medium.
  • a computer device which may be a personal computer, server or network device, etc.
  • the foregoing storage medium includes: a U disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic disk, or an optical disk, and the like.

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Abstract

一种基于区块链的融资方法、系统及存储介质：当一个目标边缘节点对应的目标融资请求方有融资需求时，登录所述区块链信息平台，并从区块链信息平台中获取所述目标融资请求方的融资信息，所述目标边缘节点根据所述融资信息，并利用融资级别分析模型确定所述目标融资请求方的融资额度。所述方法、系统及存储介质利用区块链技术实现了供应链金融中商流、物流与资金流之间的信息透明且全程可视，降低了中小企业及个体户融资难的问题，同时由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险，还减少了云中心计算及数据传输的负担，提高了融资的实时性。

Description

基于区块链的融资方法、系统及存储介质
本申请要求于2018年04月03日提交中国专利局，申请号为201810288545.5发明名称为“基于区块链的融资方法、系统及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及区块链技术领域，尤其涉及一种基于区块链的融资方法、系统及存储介质。
背景技术
由于银行依赖的是核心企业的控货能力和调节销售能力，出于风控的考虑，银行仅愿意对核心企业有直接应付账款义务的上游供应商(限于一级供应商)提供保理业务，或对其下游经销商(一级供应商)，提供预付款或者存货融资。这就导致了有巨大融资需求的二级、三级等供应商/经销商的需求得不到满足，供应链金融的业务量受到限制，而中小企业得不到及时的融资易导致产品质量问题，会伤害整个供应链体系。另外由于信息的不透明，在对企业尤其是中小型企业授信时难免会谨慎，甚至谨慎过头，无法防控风险。
发明内容
鉴于以上内容，有必要提供一种基于区块链的融资方法、系统及存储介质，降低中小企业及个体户的融资难的问题，同时由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险。同时减少了云中心的计算能力及数据传输的负担，提高融资的实时性。
一种基于区块链的融资方法，所述方法包括：
目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台；
当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；
所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
根据本申请优选实施例，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息包括以下一种或者多种的组合：
当所述区块链信息平台根据所述账号信息确定所述目标融资请求方为企业主体时，所述目标边缘节点通过所述区块链信息平台获取所述企业主体的目标时间段内的产品信息，将所述产品信息作为所述融资信息的一部分；
所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的不动产信息，将所述不动产信息作为所述融资信息的一部分；
所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的征信信息，将所述征信信息作为所述融资信息的一部分。
根据本申请优选实施例，所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度包括：
在所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的 融资信息时，通过所述区块链信息平台触发融资推荐通知，所述区块链信息平台将所述融资推荐通知发送至与第三方金融中介机构，所述第三方金融中介机构基于所述融资信息，推送匹配的融资方案数据给所述目标边缘节点；所述目标融资请求方基于目标边缘节点返回的融资方案数据选择合适的融资方案；所述目标边缘节点基于选中的融资方案，利用融资级别分析模型确定所述目标融资请求方的融资额度。
根据本申请优选实施例，所述区块链信息平台利用非对称加密技术对交易记录进行加密。
根据本申请优选实施例，所述区块链信息平台利用时间戳技术对每笔交易记帐进行加载时间数据。
根据本申请优选实施例，所述方法还包括：
基于区块链技术的半公开私有链形式构建所述区块链信息平台。
根据本申请优选实施例，所述区块链信息平台还与资金方进行数据传输,所述方法还包括：
所述区块链信息平台触发所述融资额度的审批通知以等待所述资金方确认审批通过；
当所述资金方通过区块链信息平台确认通过后，所述区块链信息平台触发智能贷款合同，并从所述资金方的银行账号中定期划拨贷款至所述融资请求方的银行账户。
根据本申请优选实施例，所述方法还包括：
所述目标边缘节点基于贷款，通过区块链信息平台所述从目标企业方购买目标商品；
当所述目标商品的运输箱的智能传感器通过区块链信息平台触发丢失通知时，所述区块链信息平台将所述目标商品的丢失信息发送至保理机构；
当所述保理机构通过所述区块链信息平台确认所述目标商品的丢失信息通过时，所述区块链信息平台触发智能理赔合同，并将所述智能理赔合同送至所述保理机构；
当所述保理机构通过所述区块链信息平台确认所述智能理赔合同通过时，所述区块链信息平台从所述保理机构的银行账号中划拨理赔款至所述融资请求方的银行账户中。
一种基于区块链的融资系统，所述系统包括区块链信息平台、融资请求方,每个融资请求方对应一个边缘节点；
目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录所述区块链信息平台；
当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；
所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
一种非易失性可读存储介质，所述非易失性可读存储介质存储有至少一个指令，所述至少一个指令被处理器执行时实现任一实施例中所述基于区块链的 融资方法。
由以上技术方案可知，当一个目标边缘节点对应的目标融资请求方有融资需求时，登录所述区块链信息平台，并从区块链信息平台中获取所述目标融资请求方的融资信息，所述目标边缘节点根据所述融资信息，并利用融资级别分析模型确定所述目标融资请求方的融资额度。本申请利用区块链技术实现了供应链金融中商流、物流与资金流之间的信息透明且全程可视，从而可以降低中小企业及个体户的融资难的问题，并且由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险。同时无需在云中心计算融资额度，减少了云中心的计算能力及数据传输的负担，提高融资的实时性。
附图说明
图1是实现本申请的基于区块链的融资方法的较佳实施例的应用环境图。
图2是本申请基于区块链的融资方法的第一较佳实施例的流程图。
图3是本申请基于区块链的融资方法的第二较佳实施例的流程图。
图4是本申请基于区块链的融资系统的较佳实施例的程序模块图。
图5是本申请至少一个实例中实现所述基于区块链的融资方法的电子设备较佳实施例的结构示意图。
具体实施方式
为了使本技术领域的人员更好地理解本申请方案，下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本申请一部分的实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都应当属于本申请保护的范围。
本申请的说明书和权利要求书及上述附图中的术语“第一”、“第二”和“第三”等是用于区别不同对象，而非用于描述特定顺序。此外，术语“包括”以及它们任何变形，意图在于覆盖不排他的包含。例如包含了一系列步骤或单元的过程、方法、系统、产品或设备没有限定于已列出的步骤或单元，而是可选地还包括没有列出的步骤或单元，或可选地还包括对于这些过程、方法、产品或设备固有的其它步骤或单元。
如图1所示，图1是实现本申请的基于区块链的融资方法的较佳实施例的应用环境图。所述应用环境图包括区块链的融资系统,所述区块链的融资系统包括区块链信息平台、融资请求方、资金方。所述融资请求方及所述资金方通过所述区块链信息平台与供应链的上下游企业直接交易，交易信息记录打包为区块，并利用区块链技术记录在所述区块链信息平台，并以分布式方式存储。而且每个融资请求方及每个资金方都对应一个边缘节点，每个边缘节点都具有边缘计算能力。当一个目标边缘节点对应的目标融资请求方有融资需求时，登录所述区块链信息平台，并从区块链信息平台中获取所述目标融资请求方的融资信息，所述目标边缘节点根据所述融资信息，并利用融资级别分析模型确定所述目标融资请求方的融资额度。
进一步地，所述融资请求方包括，但不限于：企业主体、个体户主体。 所述企业主体包括，但不限于：供应商、分销商、零售商、回收商、物流商。所述资金方包括，但不限于：银行、互联网金融机构等提供融资资金的机构。
其中基于区块链的融资系统中主体之间的交互通过网络相通信，所处的网络包括，但不限于互联网、广域网、城域网、局域网、虚拟专用网络(Virtual Private Network，VPN)等。
结合以下实施例详述实现基于区块链的融资方法。
如图2所示，是本申请基于区块链的融资方法的第一较佳实施例的流程图。根据不同的需求，该流程图中步骤的顺序可以改变，某些步骤可以省略。
S20、目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台。
在可选实施例中，每个边缘节点对应一个处理设备，所述处理设备是具有数据计算能力的设备，(如计算机、手机等等)。
所述账号信息用于标识目标融资请求方的身份，包括，但不限于：账号、密码等等。
在本申请的可选实施例中，所述区块链信息平台是基于区块链的平台。区块链是一种基于互联网的分布式账本技术，通过加密账本分布式存储和集体维护建立交易主体间的信任网络，具有去中心话，可溯源、集体维护和信息无法篡改的特点。其中各个所述融资请求方、各个所述资金方都是所述区块链信息平台的主体。
所述区块链信息平台中的网络节点能够点对点直接发生交易，并对一段时间内交易数据的记帐权达成共识，独立存储和集体维护。
优选地，所述区块链信息平台利用非对称加密技术对交易记录进行加密，从而保证数据安全可靠。
优选地，所述区块链信息平台利用时间戳技术对每笔交易记帐进行加载时间数据，从而保证数据的可塑源性和可验证性。
优选地，基于区块链技术的半公开私有链(也称为联盟链)形式构建所述区块链信息平台。由于联盟链中的节点并不完全平等，按照规则筛选的节点才能获取验证新区块及记账的权利，参与链上的共识机制，这样采用联盟链形式构建的所述区块链信息平台扩展性更好，在保证交易速度的情况下能实现网络的去中心化，保证数据的不可更改性。
因此，利用区块链技术构建的所述区块链信息平台，将供应金融链里的数据放到区块链链上，利用区块链的特性使其不可篡改，并提供数据的确权，溯源等服务；实现了资产数字化，把仓单、合同、以及可代表融资需求的区块链票据都变成数字资产，且具有唯一、不可篡改、不可复制等特点；实现数字资产的交易，所述区块链信息平台将转变成一个数字金融资产交易所，将非标的企业贷款需求转变成标准化的金融产品，进行代币化，对接投融资需求，进行价值交易。
S21、当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息。
优选地，所述目标边缘节点从所述区块链信息平台中获取所述目标融资 请求方的融资信息包括，但不限于以下一种或者多种的组合：
(1)当所述区块链信息平台根据所述账号信息确定所述目标融资请求方为企业主体时，所述目标边缘节点通过所述区块链信息平台获取所述企业主体的目标时间段内的产品信息，将所述产品信息作为所述融资信息的一部分。
优选地，所述区块链信息平台对每个产品配置唯一的电子标识。这样对于所述产品的所有交易记录，即从购买所述产品的原材料到所述产品的输出中所有交易记录(例如产品运输物流、产品分销、零售到回收等所有供应链上的交易)，都可以通过所述每个产品配置唯一的电子标识进行追溯，从而保证了产品的可溯源性。
这样企业主体的产品可以作为融资贷款的担保，例如分销商A通过所述区块链信息平台向供应商B达成了购买产品C的交易记录。由于所述区块链信息平台基于区块链技术建立，则分销商A对应的边缘节点处的处理设备可以利用所述区块链信息平台中的产品C的信息计算融资额度，并通过所述区块链信息平台触发贷款合同以使资金方审批。
(2)所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的不动产信息，将所述不动产信息作为所述融资信息的一部分。
进一步地，所述不动产信息包括，但不限于：房产信息、厂房信息、设备信息、企业资质信息。所述企业资质信息是用于评价企业整体规模的数据，例如，营收状况、企业规模等等，本申请不做任何限制。
(3)所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的征信信息，将所述征信信息作为所述融资信息的一部分。
S22、所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
优选地，所述方法还包括：在所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息时，通过所述区块链信息平台触发融资推荐通知，所述区块链信息平台将所述融资推荐通知发送至与第三方金融中介机构，所述第三方金融中介机构基于所述融资信息，推送匹配的融资方案数据(如基于产品信息的担保融资、基于品牌商的担保融资等等)给所述目标边缘节点,所述目标融资请求方基于目标边缘节点返回的融资方案数据选择合适的融资方案；所述目标边缘节点基于选中的融资方案，利用融资级别分析模型确定所述目标融资请求方的融资额度。
优选地，每个融资级别对应的不同的融资额度，利用融资级别分析模型确定所述目标融资请求方的目标融资级别，再根据所述目标融资级别确定所述目标融资请求方的融资额度。
优选地，但不限于：支持向量机(Support Vector Machine，SVM)模型。
进一步地，利用融资指标数据对应的训练样本，训练所述融资级别分析模型，训练过程如下：
配置所述融资指标的不同级别的训练样本数据，将不同级别的训练样本数据分发到不同的文件夹里。例如，一级融资风险等级的训练样本数据的分发到第一文件夹里；二级融资风险等级的训练样本数据分发到第二文件夹里； 三级融资风险等级的训练样本数据分发到第三文件夹里；四级融资风险等级的训练样本数据分发到第四文件夹里。从不同文件夹下各提取第一预设比例，例如，70％的训练样本数据作为训练数据进行支持向量机(SVM)模型的训练，从不同文件夹下各取剩下的第二预设比例，例如，30％的训练样本数据作为测试数据以对生成的SVM模型进行准确性验证。
若生成的SVM模型准确率小于预设准确率，例如，99％，则增加所述融资指标的不同级别的训练样本数据的获取数量，重复上述SVM模型的生成过程，直到生成的SVM模型准确率大于等于预设准确率，例如，99％。
进一步的，所述融资指标包括，但不限于以下一种或者多种的组合：产品指标、不动产指标、征信指标等等。
在该实施例中，当融资请求方需要融资时，只需要在自己的边缘节点处获取所述区块链信息平台中的融资信息，计算融资额度，提交融资请求即可，无需在云中心计算融资额度，减少了云中心的计算能力及数据传输的负担，提高融资的实时性。同时利用所述区块链信息平台与供应链的上下游企业直接交易，交易信息记录打包为区块，并利用区块链技术记录在所述区块链信息平台，并以分布式方式存储，从而可以实现了供应链金融中商流、物流与资金流间的信息透明且全程可视，降低了中小企业及个体户的融资难的问题，同时由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险。
优选地，所述区块链信息平台定期(如每周)获取所述目标融资请求方的交易记录，并根据所述定期获取的交易记录动态调整所述融资额度，以减少融资风险。
通过上述实施例，在本申请中，当一个目标边缘节点对应的目标融资请求方有融资需求时，登录所述区块链信息平台，并从区块链信息平台中获取所述目标融资请求方的融资信息，所述目标边缘节点根据所述融资信息，并利用融资级别分析模型确定所述目标融资请求方的融资额度。本申请利用区块链技术实现了供应链金融中商流、物流与资金流之间的信息透明且全程可视，从而可以降低中小企业及个体户的融资难的问题，并且由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险。同时无需在云中心计算融资额度，减少了云中心的计算能力及数据传输的负担，提高融资的实时性。
如图3所示，是本申请基于区块链的融资方法的第二较佳实施例的流程图。根据不同的需求，该流程图中步骤的顺序可以改变，某些步骤可以省略。
S30至S32分别与第一较佳实施例中的S20至S22对应，在此不再详述。
S33、所述区块链信息平台触发所述融资额度的审批通知以等待所述资金方确认审批通过。
当所述目标边缘节点通过区块链信息平台提交融资额度的请求后，所述区块链信息平台自动触发审批通知，并发送至所述资金方，所述资金方确认是否所述融资额度通过。
S34、当所述资金方通过区块链信息平台确认通过后，所述区块链信息平台触发智能贷款合同，并从所述资金方的银行账号中定期划拨贷款至所述 融资请求方的银行账户。
优选地，所述区块链信息平台利用区块链技术中的智能合约生成各个主体间的合约内容及各个合约的触发条件。当某个合约的触发条件被触发时，所述某个合约就自动执行，外接无法干扰。这样以智能合约形式执行供应链合约，这样当智能贷款合同被触发后，自动将所述资金方的银行账号中定期划拨贷款至所述融资请求方的银行账户，提高了处理效率。
S35、所述目标边缘节点基于贷款，通过区块链信息平台所述从目标企业方购买目标商品。
在本申请的可选实施例中，所述目标融资请求方通过所述区块链信息平台与目标企业方进行交易，购买所述目标商品的交易记录都记录在所述区块链信息平台的区块链上。
所述交易记录包括，但不限于：购买时间、购买商品、购买方、卖方、购买量、购买价格等等交易关联的所有数据，便于后续能进行可追溯。
S36、当所述目标商品的运输箱的智能传感器通过区块链信息平台触发丢失通知时，所述区块链信息平台将所述目标商品的丢失信息发送至保理机构。
在本申请的可选实施例中，当所述目标商品通过物流公司运输，且被丢失时，所述智能传感器向所述区块链信息平台丢失报告，所述区块链信息平台通过智能合约触发丢失通知。
S37、当所述保理机构通过所述区块链信息平台确认所述目标商品的丢失信息通过时，所述区块链信息平台触发智能理赔合同，并将所述智能理赔合同送至所述保理机构。
S38，当所述保理机构通过所述区块链信息平台确认所述智能理赔合同通过时，所述区块链信息平台从所述保理机构的银行账号中划拨理赔款至所述融资请求方的银行账户中。
通过本申请的上述实施例，本申请通过区块链技术实现自动理赔,从而能实现供应链金融中的理赔过程的透明化,从而提高供应链金融中理赔效率及较少理赔风险。
如图4所示，本申请基于区块链的融资系统的第一较佳实施例的程序模块图。所述基于区块链的融资系统4包括，但不限于以下一个或者多个模块：位于目标边缘节点对应的融资请求方中的获取模块40、确定模块41、训练模块43及购买模块47；位于区块链信息平台的发送模块42、数据获取模块44、审批模块45及划拨模块46。本申请所称的模块是指一种能够被基于区块链的融资系统4的处理器所执行并且能够完成固定功能的一系列计算机可读指令段，其存储在存储器中。关于各模块的功能将在后续的实施例中详述。
获取模块40获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台。
在可选实施例中，每个边缘节点对应一个处理设备，所述处理设备是具有数据计算能力的设备，(如计算机、手机等等)。
所述账号信息用于标识目标融资请求方的身份，包括，但不限于：账号、 密码等等。
在本申请的可选实施例中，所述区块链信息平台是基于区块链的平台。区块链是一种基于互联网的分布式账本技术，通过加密账本分布式存储和集体维护建立交易主体间的信任网络，具有去中心话，可溯源、集体维护和信息无法篡改的特点。其中各个所述融资请求方、各个所述资金方都是所述区块链信息平台的主体。
所述区块链信息平台中的网络节点能够点对点直接发生交易，并对一段时间内交易数据的记帐权达成共识，独立存储和集体维护。
优选地，所述区块链信息平台利用非对称加密技术对交易记录进行加密，从而保证数据安全可靠。
优选地，所述区块链信息平台利用时间戳技术对每笔交易记帐进行加载时间数据，从而保证数据的可塑源性和可验证性。
优选地，基于区块链技术的半公开私有链(也称为联盟链)形式构建所述区块链信息平台。由于联盟链中的节点并不完全平等，按照规则筛选的节点才能获取验证新区块及记账的权利，参与链上的共识机制，这样采用联盟链形式构建的所述区块链信息平台扩展性更好，在保证交易速度的情况下能实现网络的去中心化，保证数据的不可更改性。
因此，利用区块链技术构建的所述区块链信息平台，将供应金融链里的数据放到区块链链上，利用区块链的特性使其不可篡改，并提供数据的确权，溯源等服务；实现了资产数字化，把仓单、合同、以及可代表融资需求的区块链票据都变成数字资产，且具有唯一、不可篡改、不可复制等特点；实现数字资产的交易，所述区块链信息平台将转变成一个数字金融资产交易所，将非标的企业贷款需求转变成标准化的金融产品，进行代币化，对接投融资需求，进行价值交易。
当所述区块链信息平台验证所述账号信息通过后，所述获取模块40从所述区块链信息平台中获取所述目标融资请求方的融资信息。
优选地，所述获取模块40从所述区块链信息平台中获取所述目标融资请求方的融资信息包括，但不限于以下一种或者多种的组合：
(1)当所述区块链信息平台根据所述账号信息确定所述目标融资请求方为企业主体时，所述目标边缘节点通过所述区块链信息平台获取所述企业主体的目标时间段内的产品信息，将所述产品信息作为所述融资信息的一部分。
优选地，所述区块链信息平台对每个产品配置唯一的电子标识。这样对于所述产品的所有交易记录，即从购买所述产品的原材料到所述产品的输出中所有交易记录(例如产品运输物流、产品分销、零售到回收等所有供应链上的交易)，都可以通过所述每个产品配置唯一的电子标识进行追溯，从而保证了产品的可溯源性。
这样企业主体的产品可以作为融资贷款的担保，例如分销商A通过所述区块链信息平台向供应商B达成了购买产品C的交易记录。由于所述区块链信息平台基于区块链技术建立，则分销商A对应的边缘节点处的处理设备可以利用所述区块链信息平台中的产品C的信息计算融资额度，并通过所述区 块链信息平台触发贷款合同以使资金方审批。
(2)所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的不动产信息，将所述不动产信息作为所述融资信息的一部分。
进一步地，所述不动产信息包括，但不限于：房产信息、厂房信息、设备信息、企业资质信息。所述企业资质信息是用于评价企业整体规模的数据，例如，营收状况、企业规模等等，本申请不做任何限制。
(3)所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的征信信息，将所述征信信息作为所述融资信息的一部分。
所述确定模块41基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
优选地，所述确定模块41还用于在所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息时，通过所述区块链信息平台触发融资推荐通知，所述发送模块42将所述融资推荐通知发送至与第三方金融中介机构，所述第三方金融中介机构基于所述融资信息，推送匹配的融资方案数据(如基于产品信息的担保融资、基于品牌商的担保融资等等)给所述目标边缘节点,所述目标融资请求方基于目标边缘节点返回的融资方案数据选择合适的融资方案；所述确定模块41基于选中的融资方案，利用融资级别分析模型确定所述目标融资请求方的融资额度。
优选地，每个融资级别对应的不同的融资额度，利用融资级别分析模型确定所述目标融资请求方的目标融资级别，再根据所述目标融资级别确定所述目标融资请求方的融资额度。
优选地，但不限于：支持向量机(Support Vector Machine，SVM)模型。
进一步地，训练模块43利用融资指标数据对应的训练样本，训练所述融资级别分析模型，训练过程如下：
配置所述融资指标的不同级别的训练样本数据，将不同级别的训练样本数据分发到不同的文件夹里。例如，一级融资风险等级的训练样本数据的分发到第一文件夹里；二级融资风险等级的训练样本数据分发到第二文件夹里；三级融资风险等级的训练样本数据分发到第三文件夹里；四级融资风险等级的训练样本数据分发到第四文件夹里。从不同文件夹下各提取第一预设比例，例如，70％的训练样本数据作为训练数据进行支持向量机(SVM)模型的训练，从不同文件夹下各取剩下的第二预设比例，例如，30％的训练样本数据作为测试数据以对生成的SVM模型进行准确性验证。
若生成的SVM模型准确率小于预设准确率，例如，99％，则增加所述融资指标的不同级别的训练样本数据的获取数量，重复上述SVM模型的生成过程，直到生成的SVM模型准确率大于等于预设准确率，例如，99％。
进一步的，所述融资指标包括，但不限于以下一种或者多种的组合：产品指标、不动产指标、征信指标等等。
在该实施例中，当融资请求方需要融资时，只需要在自己的边缘节点处获取所述区块链信息平台中的融资信息，计算融资额度，提交融资请求即可，无需在云中心计算融资额度，减少了云中心的计算能力及数据传输的负担， 提高融资的实时性。同时利用所述区块链信息平台与供应链的上下游企业直接交易，交易信息记录打包为区块，并利用区块链技术记录在所述区块链信息平台，并以分布式方式存储，从而可以实现了供应链金融中商流、物流与资金流间的信息透明且全程可视，降低了中小企业及个体户的融资难的问题，同时由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险。
优选地，所述数据获取模块44定期(如每周)获取所述目标融资请求方的交易记录，并根据所述定期获取的交易记录动态调整所述融资额度，以减少融资风险。
通过上述实施例，在本申请中，当一个目标边缘节点对应的目标融资请求方有融资需求时，登录所述区块链信息平台，并从区块链信息平台中获取所述目标融资请求方的融资信息，所述目标边缘节点根据所述融资信息，并利用融资级别分析模型确定所述目标融资请求方的融资额度。本申请利用区块链技术实现了供应链金融中商流、物流与资金流之间的信息透明且全程可视，从而可以降低中小企业及个体户的融资难的问题，并且由于区块链信息平台上交易记录不可篡改，降低了资金方的融资风险。同时无需在云中心计算融资额度，减少了云中心的计算能力及数据传输的负担，提高融资的实时性。
在可选实施例中，所述系统还包括：
所述审批模块45触发所述融资额度的审批通知以等待所述资金方确认审批通过。
当所述目标边缘节点通过区块链信息平台提交融资额度的请求后，所述区块链信息平台自动触发审批通知，并发送至所述资金方，所述资金方确认是否所述融资额度通过。
当所述资金方通过区块链信息平台确认通过后，所述划拨模块46触发智能贷款合同，并从所述资金方的银行账号中定期划拨贷款至所述融资请求方的银行账户。
优选地，所述划拨模块46利用区块链技术中的智能合约生成各个主体间的合约内容及各个合约的触发条件。当某个合约的触发条件被触发时，所述某个合约就自动执行，外接无法干扰。这样以智能合约形式执行供应链合约，这样当智能贷款合同被触发后，自动将所述资金方的银行账号中定期划拨贷款至所述融资请求方的银行账户，提高了处理效率。
所述购买模块47基于贷款，通过区块链信息平台所述从目标企业方购买目标商品。
在本申请的可选实施例中，所述目标融资请求方通过所述区块链信息平台与目标企业方进行交易，购买所述目标商品的交易记录都记录在所述区块链信息平台的区块链上。
所述交易记录包括，但不限于：购买时间、购买商品、购买方、卖方、购买量、购买价格等等交易关联的所有数据，便于后续能进行可追溯。
当所述目标商品的运输箱的智能传感器通过区块链信息平台触发丢失通知时，所述发送模块42将所述目标商品的丢失信息发送至保理机构。
在本申请的可选实施例中，当所述目标商品通过物流公司运输，且被丢失时，所述智能传感器向所述区块链信息平台丢失报告，所述区块链信息平台通过智能合约触发丢失通知。
当所述保理机构通过所述区块链信息平台确认所述目标商品的丢失信息通过时，所述发送模块42触发智能理赔合同，并将所述智能理赔合同发送至所述保理机构。
当所述保理机构通过所述区块链信息平台确认所述智能理赔合同通过时，所述划拨模块46从所述保理机构的银行账号中划拨理赔款至所述融资请求方的银行账户中。
通过本申请的上述实施例，本申请通过区块链技术实现自动理赔,从而能实现供应链金融中的理赔过程的透明化,从而提高供应链金融中理赔效率及较少理赔风险。
上述以软件程序模块的形式实现的集成的单元，可以存储在一个非易失性可读取存储介质中。上述软件程序模块存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)或处理器(processor)执行本申请每个实施例所述方法的部分步骤。
如图5所示，所述电子设备5包括，但不限于，融资请求方处理设备50、区块链信息平台处理设备51及资金方处理设备52。
所述融资请求方处理设备50、或区块链信息平台处理设备51或资金方处理设备52包括，但不限于：至少一个发送装置、至少一个存储器、至少一个处理器、至少一个接收装置以及至少一个通信总线。其中，所述通信总线用于实现这些组件之间的连接通信。
所述融资请求方处理设备50、或区块链信息平台处理设备51或资金方处理设备52是一种能够按照事先设定或存储的指令，自动进行数值计算和/或信息处理的设备，其硬件包括但不限于微处理器、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程门阵列(Field－Programmable Gate Array，FPGA)、数字处理器(Digital Signal Processor，DSP)、嵌入式设备等。所述融资请求方处理设备50、或区块链信息平台处理设备51或资金方处理设备52还可包括网络设备和/或用户设备。其中，所述网络设备包括但不限于单个网络服务器、多个网络服务器组成的服务器组或基于云计算(Cloud Computing)的由大量主机或网络服务器构成的云，其中，云计算是分布式计算的一种，由一群松散耦合的计算机集组成的一个超级虚拟计算机。
所述融资请求方处理设备50、或区块链信息平台处理设备51或资金方处理设备52可以是，但不限于任何一种可与用户通过键盘、触摸板或声控设备等方式进行人机交互的电子产品，例如，平板电脑、智能手机、个人数字助理(Personal Digital Assistant，PDA)、智能式穿戴式设备、摄像设备、监控设备等终端。
所述融资请求方处理设备50、或区块链信息平台处理设备51或资金方处理设备52所处的网络包括，但不限于互联网、广域网、城域网、局域网、虚拟专用网络(Virtual Private Network，VPN)等。
其中，所述接收装置和所述发送装置可以是有线发送端口，也可以为无线设备，例如包括天线装置，用于与其他设备进行数据通信。
所述存储器用于存储程序代码。所述存储器可以是集成电路中没有实物形式的具有存储功能的电路，如RAM(Random-Access Memory，随机存取存储器)、FIFO(First In First Out，)等。或者，所述存储器也可以是具有实物形式的存储器，如内存条、TF卡(Trans-flash Card)、智能媒体卡(smart media card)、安全数字卡(secure digital card)、快闪存储器卡(flash card)等储存设备等等。
所述处理器可以包括一个或者多个微处理器、数字处理器。所述处理器可调用所述存储器中存储的程序代码以执行相关的功能；所述融资请求方处理设备50的处理器可调用所述融资请求方处理设备50的存储器中存储的程序代码以执行相关的功能；所述区块链信息平台处理设备51的处理器可调用所述区块链信息平台处理设备51的存储器中存储的程序代码以执行相关的功能。例如，图3中所述的各个模块是存储在存储器的程序代码，并由所述处理器所执行，以实现一种基于区块链的融资方法。所述处理器又称中央处理器(CPU，Central Processing Unit)，是一块超大规模的集成电路，是运算核心(Core)和控制核心(Control Unit)。
本申请实施例还提供一种非易失性可读存储介质，其上存储有计算机指令，所述指令当被包括一个或多个处理器执行时，使基于区块链的融资设备执行如上文方法实施例所述的基于区块链的融资方法。
优选地，结合图3所示，所述融资请求方处理设备50的存储器及所述区块链信息平台处理设备51的存储器存储多个指令以实现一种基于区块链的融资方法，所述融资请求方处理设备50的处理器及所述区块链信息平台处理设备51的处理器可执行所述多个指令从而实现：目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台；当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
以上说明的本申请的特征性的手段可以通过集成电路来实现，并控制实现上述任意实施例中所述基于区块链的融资方法的功能。即，本申请的集成电路安装于所述电子设备中，使所述基于电子设备发挥如下功能：目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台；当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
在任意实施例中所述基于区块链的融资方法所能实现的功能都能通过本申请的集成电路安装于所述电子设备中，使所述电子设备发挥任意实施例中所述基于区块链的融资方法所能实现的功能，在此不再详述。
需要说明的是，对于前述的各方法实施例，为了简单描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本申请并不受所描述 的动作顺序的限制，因为依据本申请，某些步骤可以采用其他顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定是本申请所必须的。
在本申请所提供的几个实施例中，应该理解到，所揭露的装置，可通过其它的方式实现。例如，以上所描述的装置实施例仅仅是示意性的，例如所述单元的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如多个单元或组件可以结合或者可以集成到另一个系统，或一些特征可以忽略，或不执行。另一点，所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些接口，装置或单元的间接耦合或通信连接，可以是电性或其它的形式。
所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部单元来实现本实施例方案的目的。
另外，在本申请的各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
所述集成的单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个非易失性可读取存储介质中。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可为个人计算机、服务器或者网络设备等)执行本申请各个实施例所述方法的全部或部分步骤。而前述的存储介质包括：U盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、移动硬盘、磁碟或者光盘等各种可以存储程序代码的介质。
以上所述，以上实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的范围。

Claims (17)

  1. 一种基于区块链的融资方法，其特征在于，所述方法包括：
    目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台；
    当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；
    所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
  2. 如权利要求1所述的基于区块链的融资方法，其特征在于，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息包括以下一种或者多种的组合：
    当所述区块链信息平台根据所述账号信息确定所述目标融资请求方为企业主体时，所述目标边缘节点通过所述区块链信息平台获取所述企业主体的目标时间段内的产品信息，将所述产品信息作为所述融资信息的一部分；
    所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的不动产信息，将所述不动产信息作为所述融资信息的一部分；
    所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的征信信息，将所述征信信息作为所述融资信息的一部分。
  3. 如权利要求1所述的基于区块链的融资方法，其特征在于，所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度包括：
    在所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息时，通过所述区块链信息平台触发融资推荐通知；
    所述区块链信息平台将所述融资推荐通知发送至与第三方金融中介机构，以使所述第三方金融中介机构基于所述融资信息推送匹配的融资方案数据给所述目标边缘节点；
    所述目标融资请求方基于目标边缘节点返回的融资方案数据选择合适的融资方案；
    所述目标边缘节点基于选中的融资方案，利用融资级别分析模型确定所述目标融资请求方的融资额度。
  4. 如权利要求1所述的基于区块链的融资方法，其特征在于，所述区块链信息平台利用非对称加密技术对交易记录进行加密。
  5. 如权利要求1所述的基于区块链的融资方法，其特征在于，所述区块链信息平台利用时间戳技术对每笔交易记帐进行加载时间数据。
  6. 如权利要求1所述的基于区块链的融资方法，其特征在于，所述方法还包括：
    基于区块链技术的半公开私有链形式构建所述区块链信息平台。
  7. 如权利要求1所述的基于区块链的融资方法，其特征在于，所述区块链信息平台还与资金方进行数据传输，所述方法还包括：
    所述区块链信息平台触发所述融资额度的审批通知以等待所述资金方确认 审批通过；
    当所述资金方通过区块链信息平台确认通过后，所述区块链信息平台触发智能贷款合同，并从所述资金方的银行账号中定期划拨贷款至所述融资请求方的银行账户。
  8. 如权利要求1至7中任一项所述的基于区块链的融资方法，其特征在于，所述方法还包括：
    所述目标边缘节点基于贷款，通过区块链信息平台所述从目标企业方购买目标商品；
    当所述目标商品的运输箱的智能传感器通过区块链信息平台触发丢失通知时，所述区块链信息平台将所述目标商品的丢失信息发送至保理机构；
    当所述保理机构通过所述区块链信息平台确认所述目标商品的丢失信息通过时，所述区块链信息平台触发智能理赔合同，并将所述智能理赔合同送至所述保理机构；
    当所述保理机构通过所述区块链信息平台确认所述智能理赔合同通过时，所述区块链信息平台从所述保理机构的银行账号中划拨理赔款至所述融资请求方的银行账户中。
  9. 一种基于区块链的融资系统，其特征在于，所述系统包括区块链信息平台、融资请求方，每个融资请求方对应一个边缘节点；
    目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录所述区块链信息平台；
    当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；
    所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
  10. 一种非易失性可读存储介质，其特征在于，所述非易失性可读存储介质存储有至少一个指令，所述至少一个指令被处理器执行时实现以下步骤：
    目标边缘节点获取目标融资请求方在融资界面上输入的账户信息，并登录区块链信息平台；
    当所述区块链信息平台验证所述账号信息通过后，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息；
    所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度。
  11. 如权利要求10所述的存储介质，其特征在于，所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息包括以下一种或者多种的组合：
    当所述区块链信息平台根据所述账号信息确定所述目标融资请求方为企业主体时，所述目标边缘节点通过所述区块链信息平台获取所述企业主体的目标时间段内的产品信息，将所述产品信息作为所述融资信息的一部分；
    所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的不动产信息，将所述不动产信息作为所述融资信息的一部分；
    所述目标边缘节点通过所述区块链信息平台获取所述目标融资请求方的征信信息，将所述征信信息作为所述融资信息的一部分。
  12. 如权利要求10所述的存储介质，其特征在于，所述目标边缘节点基于所述融资信息，利用融资级别分析模型确定所述目标融资请求方的融资额度包括：
    在所述目标边缘节点从所述区块链信息平台中获取所述目标融资请求方的融资信息时，通过所述区块链信息平台触发融资推荐通知；
    所述区块链信息平台将所述融资推荐通知发送至与第三方金融中介机构，以使所述第三方金融中介机构基于所述融资信息推送匹配的融资方案数据给所述目标边缘节点；
    所述目标融资请求方基于目标边缘节点返回的融资方案数据选择合适的融资方案；
    所述目标边缘节点基于选中的融资方案，利用融资级别分析模型确定所述目标融资请求方的融资额度。
  13. 如权利要求10所述的存储介质，其特征在于，所述区块链信息平台利用非对称加密技术对交易记录进行加密。
  14. 如权利要求10所述的存储介质，其特征在于，所述区块链信息平台利用时间戳技术对每笔交易记帐进行加载时间数据。
  15. 如权利要求10所述的存储介质，其特征在于，所述至少一个指令被处理器执行时还实现以下步骤：
    基于区块链技术的半公开私有链形式构建所述区块链信息平台。
  16. 如权利要求10所述的存储介质，其特征在于，所述区块链信息平台还与资金方进行数据传输，所述至少一个指令被处理器执行时还实现以下步骤：
    所述区块链信息平台触发所述融资额度的审批通知以等待所述资金方确认审批通过；
    当所述资金方通过区块链信息平台确认通过后，所述区块链信息平台触发智能贷款合同，并从所述资金方的银行账号中定期划拨贷款至所述融资请求方的银行账户。
  17. 如权利要求10至16中任一项所述的存储介质，其特征在于，所述至少一个指令被处理器执行时还实现以下步骤：
    所述目标边缘节点基于贷款，通过区块链信息平台所述从目标企业方购买目标商品；
    当所述目标商品的运输箱的智能传感器通过区块链信息平台触发丢失通知时，所述区块链信息平台将所述目标商品的丢失信息发送至保理机构；
    当所述保理机构通过所述区块链信息平台确认所述目标商品的丢失信息通过时，所述区块链信息平台触发智能理赔合同，并将所述智能理赔合同送至所述保理机构；
    当所述保理机构通过所述区块链信息平台确认所述智能理赔合同通过时，所述区块链信息平台从所述保理机构的银行账号中划拨理赔款至所述融资请求方的银行账户中。
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