WO2020010926A1 - Procédé de mode de financement à base de crédit ou de certificat numérique de chaîne de blocs - Google Patents

Procédé de mode de financement à base de crédit ou de certificat numérique de chaîne de blocs Download PDF

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Publication number
WO2020010926A1
WO2020010926A1 PCT/CN2019/088170 CN2019088170W WO2020010926A1 WO 2020010926 A1 WO2020010926 A1 WO 2020010926A1 CN 2019088170 W CN2019088170 W CN 2019088170W WO 2020010926 A1 WO2020010926 A1 WO 2020010926A1
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financing
credit
blockchain
party
contract
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PCT/CN2019/088170
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English (en)
Chinese (zh)
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程玉亮
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山东小岛网络科技有限公司
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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
    • G06Q40/03—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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the invention belongs to the field of financial financing, and specifically relates to a financing mode method based on a block chain credit coin or digital certificate.
  • the industrial ecological chain is a kind of management behavior between enterprises, the purpose of which is to realize the efficiency and benefits of enterprises.
  • the current industrial chain has undergone profound changes in structure, processes, and factors, presenting new ecological features across industries, platforms, and industries. It is difficult for the traditional banking industry to control the funds of the entire process.
  • the invention provides a new financing mode method based on credit currency or digital certificate, which is used to solve the existing block chain technology due to the limitation of the industrial chain data comprehensive ability and the difficulty of mutual trust between enterprises, resulting in a low financing rate of the entire industrial chain and the industry
  • the industrial chain cannot play its credit role, and at the same time, it also restricts technical issues such as the coordinated development of the industrial chain financial ecosystem.
  • a new financing mode method based on credit currency or digital depository finance includes the following steps:
  • Step 1 Collect and integrate financing party (or purchaser) information to obtain industry data
  • Step 2 Combining the big data model and the risk control analysis model, perform rating model risk pricing on the industrial data and assess the risk control of the movable property pledge;
  • Step 3 The risk control guarantee institution (or financial institution) receives an application for financing needs from the financing party (or purchaser) from the platform, retrieves the analysis information of the financing party (or purchaser), and conducts the financing (or purchaser) analysis. Offline inspection and comprehensive assessment to determine whether it has the financing conditions;
  • Step 4 Meet the financing requirements, sign the corresponding digital deposit certificate guarantee contract (or paper guarantee contract), the financing party (or purchaser) pays the relevant costs, and the financing party (or purchaser) needs to apply for a blockchain initial Account, then choose to use digital certificate transactions or credit currency transactions according to their own needs, choose digital certificate transactions, the financing platform uses the hash algorithm combined with public and private key signature methods to generate a "note" after timestamping the consensus account based on the purchase information Contract "digital deposit certificate; choose credit currency transactions, risk control guarantee institutions (or financial institutions), financing platforms and insurance institutions, coordinate through the nodes of the alliance chain, use hash algorithms combined with public and private key signature methods to reach consensus accounts , Issue the same amount of credit coins generated by the blockchain technology alliance chain to the granted credit line enterprises, and calculate the deduction of interest expenses through smart contracts based on (supply and demand dynamic index interest rate) or (agreement interest rate) and credit digital currency account balance;
  • Step 5 According to the transaction mode selected by the financing party (or purchaser), the supplier can make the following processing methods:
  • the supplier has the following three processing methods after receiving the digital deposit certificate of the bill contract:
  • the first smart contract that executes the blockchain program will transfer the company's capital account to the expiration date stipulated in the smart contract; if the corporate account has no funds, the company will be in a default swap; the second smart contract will be initiated by the advance compensation fund. Account transfers;
  • the digital contract of the bill contract can transfer the purchased goods
  • the supplier After receiving the credit, the supplier has the following three processing methods:
  • Step 6 The transaction rules stipulate that whether the digital certificate transaction or credit currency transaction is adopted, the digital contract of the bill contract or the credit currency should be paid to the platform party first, and the supplier will ship the product; the financing party (or the purchaser) ) After the receipt is confirmed without error, the digital contract of the bill contract or the credit currency is transferred from the platform to the supplier to pay or receive the credit currency.
  • a financing mode method based on blockchain credits or digital deposit certificates the financing party (or purchaser) is an enterprise or an individual.
  • the offline inspection and comprehensive assessment of the financing party (or purchaser) mentioned in step 3 mentioned above include warehouse receipt pledge.
  • each sub-blockchain record which has the following characteristics :
  • Any one of the participating nodes calls the digital contract of the bill contract, and then uses an asymmetric encryption algorithm to encrypt the bill contract containing the transaction data and broadcasts it to other participating nodes in the blockchain network alliance.
  • the consensus mechanism generates new blocks and writes them into the blockchain;
  • each sub-block chain Records which have the following characteristics:
  • any participating node uses an asymmetric encryption algorithm to encrypt the blockchain credit that contains transaction data and broadcasts it to other participating nodes in the blockchain network alliance.
  • the consensus mechanism generates new blocks and writes them into the blockchain;
  • any participating node uses an asymmetric encryption algorithm to encrypt the transaction credit, so that only relevant parties can view it.
  • a financing model method based on blockchain credits or digital deposits the financing party (or purchaser) needs funds and needs to issue an application to the risk control guarantee institution (or financial institution) on the platform.
  • the risk control guarantee institution (or financial institution) conducts comprehensive risk control assessment through offline and online big data risk control models, and determines whether to grant financing requirements. Those who meet the requirements for financing need to sign guarantee and insurance agreements and pay. Relevant expenses are purchased online through digital deposit transactions or credit currency transactions.
  • the risk control and guarantee must be unified, and the responsibilities and rights reflected are highly unified.
  • the purpose is to improve efficiency and avoid responsibilities. clear.
  • a financing mode method based on blockchain credits or digital certificates of deposit, the advance compensation fund or insurance company is the last measure to prevent and control risks and ensure the safety of funds.
  • the present invention can improve the production capacity and capital utilization rate of each node in the entire industrial chain, and provide risk control guarantee institutions (or financial institutions) with technical support for the entire process management of the industrial chain, while combining the use of risk control guarantee institutions (or financial institutions)
  • risk control guarantee institutions or financial institutions
  • the combination method of compensation fund or insurance should be carried out in advance to achieve the purpose of "de-intermediation" to reduce financing costs and improve efficiency;
  • the present invention uses a credit coin (or digital certificate) as a method of sending and receiving information.
  • the most basic principle of a credit coin (or digital certificate) is to use the blockchain encryption technology (including Ethereum) to generate the generated credit.
  • Currency assets to protect them from tampering; and the blockchain-based credit currency system is an emerging technology means.
  • the application in the credit currency business means the enjoyment of the credit currency (or digital certificate) system. It is also superimposed with an unbreakable confidence guarantee, which greatly improves the thoroughness and security; the application to the field of industrial finance will greatly improve efficiency and reduce business transaction costs.
  • the financing party (or purchaser) can freely choose a digital certificate transaction or a credit currency transaction according to its own situation, which is convenient for the financing party (or purchaser) to conduct financing:
  • the advantages of using credit currency transactions are: obtaining credits through credit granting, for buyers, they can purchase the required materials or equipment, and pay the balance interest on the account; suppliers can enjoy interest income or use them for repurchasing goods.
  • FIG. 1 is a schematic flowchart of the present invention
  • FIG. 2 is a schematic diagram of the relationship between the units in the digital certificate transaction in the present invention.
  • FIG. 3 is a schematic diagram of the interrelationship of units in a credit currency transaction in the present invention.
  • a new financing mode method based on credit currency or digital depository finance includes the following steps:
  • Step 1 Collect and integrate financing party (or purchaser) information to obtain industry data
  • Step 2 Combining the big data model and the risk control analysis model, perform rating model risk pricing on the industrial data and assess the risk control of the movable property pledge;
  • Step 3 The risk control guarantee institution (or financial institution) receives an application for financing needs from the financing party (or purchaser) from the platform, retrieves the analysis information of the financing party (or purchaser), and conducts the financing (or purchaser) analysis. Offline inspection and comprehensive assessment to determine whether it has the financing conditions;
  • Step 4 Meet the financing requirements, sign the corresponding digital deposit certificate guarantee contract (or paper guarantee contract), the financing party (or purchaser) pays the relevant costs, and the financing party (or purchaser) needs to apply for a blockchain initial Account, then choose to use digital certificate transactions or credit currency transactions according to their own needs, choose digital certificate transactions, the financing platform uses the hash algorithm combined with public and private key signature methods to generate a "note" after timestamping the consensus account based on the purchase information Contract "digital deposit certificate; choose credit currency transactions, risk control guarantee institutions (or financial institutions), financing platforms and insurance institutions, coordinate through the nodes of the alliance chain, use hash algorithms combined with public and private key signature methods to reach consensus accounts , Issue the same amount of credit coins generated by the blockchain technology alliance chain to the granted credit line enterprises, and calculate the deduction of interest expenses through smart contracts based on (supply and demand dynamic index interest rate) or (agreement interest rate) and credit digital currency account balance;
  • Step 5 According to the transaction mode selected by the financing party (or purchaser), the supplier can make the following processing methods:
  • the supplier has the following three processing methods after receiving the digital deposit certificate of the bill contract:
  • the first smart contract that executes the blockchain program will transfer the company's capital account to the expiration date stipulated in the smart contract; if the corporate account has no funds, the company will be in a default swap; the second smart contract will be initiated by the advance compensation fund. Account transfers;
  • the digital contract of the bill contract can transfer the purchased goods
  • the supplier After receiving the credit, the supplier has the following three processing methods:
  • Step 6 The transaction rules stipulate that whether the digital certificate transaction or credit currency transaction is adopted, the digital contract of the bill contract or the credit currency should be paid to the platform party first, and the supplier will ship the product; the financing party (or the purchaser) ) After the receipt is confirmed without error, the digital contract of the bill contract or the credit currency is transferred from the platform to the supplier to pay or receive the credit currency.
  • the financing party is an enterprise or an individual.
  • the offline inspection and comprehensive assessment of the financing party (or purchaser) mentioned in step 3 mentioned above include warehouse receipt pledge.
  • each sub-blockchain record is formed when the digital deposit certificate of the financing party (or purchaser) bill contract is issued, which has the following characteristics:
  • Any one of the participating nodes calls the digital contract of the bill contract, and then uses an asymmetric encryption algorithm to encrypt the bill contract containing the transaction data and broadcasts it to other participating nodes in the blockchain network alliance.
  • the consensus mechanism generates new blocks and writes them into the blockchain;
  • each sub-blockchain record which has the following characteristics:
  • any participating node uses an asymmetric encryption algorithm to encrypt the blockchain credit that contains transaction data and broadcasts it to other participating nodes in the blockchain network alliance.
  • the consensus mechanism generates new blocks and writes them into the blockchain;
  • any participating node uses an asymmetric encryption algorithm to encrypt the transaction credit, so that only relevant parties can view it.
  • the financier (or purchaser) needs funds to issue an application to the risk control guarantee institution (or financial institution) on the platform, and the risk control guarantee institution (or financial institution) adopts the offline and online big data risk control model Carry out comprehensive risk control assessment, and determine whether to grant financing needs.
  • the financing requirements need to sign guarantee and insurance agreements, and pay related fees for online purchases through digital deposit transactions or credit currency transactions.
  • both risk control and guarantee must be unified, and the responsibilities and rights reflected are highly unified.
  • the purpose is to improve efficiency and avoid unclear responsibilities.
  • the compensation fund or insurance company is paid first; it is the last measure to prevent and control risks to ensure the safety of funds.

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  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
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  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de mode de financement à base de crédit ou de certificat numérique de chaîne de blocs consistant à : premièrement, acquérir et combiner des informations concernant une partie de financement pour acquérir des données de secteur ; puis évaluer les données de secteur ; recevoir, par une agence de garantie de gestion de risque, un formulaire de demande de financement provenant d'une plateforme, effectuer une inspection et une évaluation hors ligne de la partie de financement, et déterminer si la partie de financement respecte, ou non, une condition de financement ; si la partie de financement respecte la condition de demande de financement, signer une garantie et un contrat d'assurance ; payer, par la partie de financement, des frais associés ; la partie de financement étant obligée de demander la création d'un compte initial de chaîne de blocs, puis de choisir, en fonction d'un critère de celle-ci, de négocier en utilisant un certificat numérique ou un crédit, une règle de négociation stipulant que le certificat numérique ou le crédit soit payé à une partie de plateforme, puis une partie de fourniture effectue une livraison ; et après que la partie de financement a confirmé une réception réussie, transférer le certificat numérique ou le crédit par la plateforme à la partie de fourniture pour le paiement ou la réception de crédit.L'invention combine une agence de garantie de gestion de risque (ou une agence financière) et un fonds de paiement d'avance ou une assurance, ce qui réduit les coûts financiers grâce à une « désintermédiation », et améliore l'efficacité.
PCT/CN2019/088170 2018-07-13 2019-05-23 Procédé de mode de financement à base de crédit ou de certificat numérique de chaîne de blocs WO2020010926A1 (fr)

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CN201810770547.8 2018-07-13
CN201810770547.8A CN109191275A (zh) 2018-07-13 2018-07-13 一种基于联盟链供应链金融新融资模式的方法

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