WO2020078095A1 - 数字资产的发行和转让、在线融资的实现方法和装置 - Google Patents

数字资产的发行和转让、在线融资的实现方法和装置 Download PDF

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Publication number
WO2020078095A1
WO2020078095A1 PCT/CN2019/101139 CN2019101139W WO2020078095A1 WO 2020078095 A1 WO2020078095 A1 WO 2020078095A1 CN 2019101139 W CN2019101139 W CN 2019101139W WO 2020078095 A1 WO2020078095 A1 WO 2020078095A1
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Prior art keywords
transfer
credit
digital asset
transaction
digital
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PCT/CN2019/101139
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English (en)
French (fr)
Inventor
曾道涛
陆旭明
杨俊�
黄家骥
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阿里巴巴集团控股有限公司
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Publication of WO2020078095A1 publication Critical patent/WO2020078095A1/zh

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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

Definitions

  • This specification relates to the field of network communication technology, and in particular, to a digital asset issuance method and device, a digital asset transfer method and device, and an online financing implementation method and device.
  • Supply chain financing is a financing model that takes the core enterprises in the supply chain and related upstream and downstream enterprises as a whole, and formulates an overall financial solution based on the trading relationships and industry characteristics of the enterprises in the supply chain.
  • Supply chain financing can alleviate the problems of small and medium-sized enterprises in the end of financing difficulties and expensive financing.
  • this specification provides a digital asset issuance method, which is applied to a credit transfer platform.
  • the method includes:
  • This specification provides a digital asset issuance method applied to upstream enterprise equipment in the supply chain.
  • the method includes:
  • the owner of the digital asset is the upstream enterprise, carrying the identification information of the transaction, produced by the credit transfer platform according to the transaction amount and by the credit block Chain reached consensus on the issuance of the digital assets.
  • a digital asset transfer method provided in this specification is applied to a credit transfer platform.
  • the method includes:
  • a digital asset transfer method provided in this specification is applied to the transferor's equipment.
  • the method includes:
  • the digital asset is issued by the credit transfer platform according to a transaction between upstream and downstream enterprises in the supply chain, and carries the identification information of the transaction;
  • the transfer request includes the transfer of digital assets square;
  • This specification provides a digital asset transfer method, which is applied to the transferee equipment.
  • the method includes:
  • the digital asset transfer request is sent to the credit transfer platform; the digital asset is issued by the credit transfer platform according to transactions between upstream and downstream enterprises in the supply chain, carrying the Transaction identification information;
  • An implementation method of online financing provided in this specification is applied to a credit transfer platform.
  • the method includes:
  • the digital asset financing request sent by the financier's equipment;
  • the digital asset financing request includes the digital asset and the funder for financing;
  • the digital asset is issued and carried by the credit transfer platform according to the transaction between upstream and downstream enterprises in the supply chain There is identification information of the transaction;
  • An implementation method of online financing provided in this specification is applied to funder equipment.
  • the method includes:
  • An implementation method of online financing provided in this specification is applied to financing equipment.
  • the method includes:
  • the digital asset financing request includes the digital assets used for financing and the investor;
  • the digital asset is issued by the credit transfer platform according to transactions between upstream and downstream enterprises in the supply chain, and carries The identification information of the transaction;
  • the loan notification is sent by the funder ’s device after confirming to the credit blockchain that the ownership of the digital asset has been transferred from the financier to the funder, and the ownership of the digital asset is transferred by credit
  • the transfer platform is submitted to the credit blockchain.
  • This specification also provides a digital asset issuance device, which is applied to a credit transfer platform.
  • the device includes:
  • the platform transaction confirmation unit is used to confirm a transaction and the transaction value of the transaction with the upstream enterprise equipment and downstream enterprise equipment of the supply chain; the transaction is carried out between the upstream enterprise and the downstream enterprise;
  • a digital asset production unit for producing digital assets whose owner is the upstream enterprise according to the transaction amount; the digital assets carry identification information of the transaction;
  • the issuance and submission unit is used to submit the issuance of the digital asset to the credit blockchain; after the credit blockchain reaches consensus on the issuance of the digital asset, a notification of successful issuance of the digital asset is sent to the upstream enterprise device.
  • a digital asset issuance device provided in this specification is applied to upstream enterprise equipment in the supply chain.
  • the device includes:
  • the upstream transaction confirmation unit is used to confirm a transaction with the credit transfer platform and a downstream enterprise in the supply chain and the transaction amount of the transaction;
  • Issuance result receiving unit used to receive the notification of the issuance result of digital assets sent by the credit circulation platform; the owner of the digital asset is the upstream enterprise, carrying the identification information of the transaction, and the credit circulation platform according to the transaction The amount is produced and the credit blockchain agrees on the issuance of the digital assets.
  • a digital asset transfer device provided in this specification is applied to a credit transfer platform.
  • the device includes:
  • the transfer request receiving unit is used to receive the digital asset transfer request sent by the transferor device, the digital asset is issued by the credit transfer platform according to the transaction between the supply chain enterprises, and carries the identification information of the transaction; in the transfer request Including the transferee of digital assets;
  • the asset transfer submission unit is used to submit the transfer of the digital asset to the credit blockchain, and after the credit block chain reaches a consensus on the transfer of the digital asset, the digital asset is sent to the transferee device of the digital asset Notice of transfer
  • the transfer request receiving unit is used to receive the digital asset transfer request sent by the transferee device
  • the asset transfer submission unit is used to submit the transfer of the digital asset to the credit blockchain, and after the credit block chain reaches a consensus on the transfer of the digital asset, to the transfer device of the digital asset respectively And the transferee device sends a notification that the digital asset transfer is successful.
  • a digital asset transfer device provided in this specification is applied to the transferor's equipment.
  • the device includes:
  • the transfer request sending unit is used to send a digital asset transfer request to the credit transfer platform; the digital asset is issued by the credit transfer platform according to the transaction between the upstream and downstream enterprises of the supply chain, and carries the identification information of the transaction; the transfer request Including the transferee of digital assets;
  • the transfer result receiving unit is used to receive the notification of the transfer result of the digital asset returned by the credit transfer platform; the transfer result of the digital asset is submitted by the credit transfer platform to the transfer and transfer of the digital asset to the credit blockchain respectively, according to Whether the credit blockchain has reached consensus is determined.
  • a digital asset transfer device provided in this specification is applied to the transferee equipment.
  • the device includes:
  • the transfer request sending unit is used to send the digital asset transfer request to the credit transfer platform after receiving the digital asset transfer notification sent by the credit transfer platform; the digital asset is transferred by the credit transfer platform according to the upstream and downstream enterprises of the supply chain Transaction issuance, carrying the identification information of the transaction;
  • the transfer result receiving unit is used to receive the notification of the transfer result of the digital asset returned by the credit transfer platform; the transfer result of the digital asset is submitted by the credit transfer platform to the transfer and transfer of the digital asset to the credit blockchain respectively, according to Whether the credit blockchain has reached consensus is determined.
  • An online financing implementation device provided in this specification is applied to a credit transfer platform.
  • the device includes:
  • the financing request receiving unit is used to receive the digital asset financing request sent by the financier's equipment; the digital asset financing request includes the digital asset used for financing and the investor; the digital asset is used by the credit transfer platform according to the upstream and downstream enterprises of the supply chain
  • the transaction issuance between, carries the identification information of the transaction;
  • the ownership transfer submission unit is used to submit the ownership transfer of the digital asset from the financier to the investor to the credit blockchain, and after the credit blockchain reaches a consensus on the ownership transfer of the digital asset, it is sent to the investor ’s equipment Loan request; the loan request includes digital assets and financing parties for financing.
  • This specification provides an online financing implementation device, which is applied to funder equipment.
  • the device includes:
  • the loan request receiving unit is used to receive the loan request sent by the credit transfer platform, and the loan request includes the digital assets used for financing and the financier; the digital assets are used by the credit transfer platform according to transactions between upstream and downstream enterprises in the supply chain Issuance, carrying identification information of the transaction;
  • the loan and loan notification sending unit is used to inquire the credit blockchain that the ownership of the digital asset has been transferred to its own party, lend money to the financier and send a loan notification to the financier's equipment.
  • An implementation device for online financing provided in this specification is applied to financing equipment.
  • the device includes:
  • the financing request sending unit is used to send a digital asset financing request to the credit circulation platform, where the digital asset financing request includes the digital asset and the investor for financing; the digital asset is based on the upstream and downstream enterprises of the supply chain by the credit circulation platform The transaction issuance between, carrying the identification information of the transaction;
  • the loan notification receiving unit is used to receive the loan notification returned by the investor ’s equipment, and the loan notification is sent by the investor ’s equipment after confirming to the credit blockchain that the ownership of the digital asset has been transferred from the financier to the investor.
  • the transfer of ownership of digital assets is submitted to the credit blockchain by the credit transfer platform.
  • a computer device provided in this specification includes: a memory and a processor; a computer program that can be executed by the processor is stored on the memory; when the processor runs the computer program, the above digital number applied to the credit transfer platform is executed The steps described in the asset issuance method.
  • a computer device provided in this specification includes: a memory and a processor; a computer program executable by the processor is stored on the memory; when the processor runs the computer program, the upstream enterprise applied to the supply chain described above is executed The steps described in the device's digital asset issuance method.
  • a computer device includes: a memory and a processor; a computer program that can be executed by the processor is stored on the memory; when the processor runs the computer program, the above digital number applied to the credit transfer platform is executed The steps described in the asset transfer method.
  • a computer device provided in this specification includes: a memory and a processor; a computer program that can be executed by the processor is stored on the memory; when the processor runs the computer program, the above-mentioned numbers applied to the transferor device are executed The steps described in the asset transfer method.
  • a computer device provided in this specification includes: a memory and a processor; a computer program executable by the processor is stored on the memory; when the processor runs the computer program, the above-mentioned application to the transferee device is performed The steps described in the digital asset transfer method.
  • a computer device provided in this specification includes: a memory and a processor; a computer program executable by the processor is stored on the memory; when the processor runs the computer program, the above-mentioned online application to the credit transfer platform is executed The steps described in the financing implementation method.
  • a computer device provided in this specification includes: a memory and a processor; a computer program that can be executed by the processor is stored on the memory; when the processor runs the computer program, the above-mentioned online application to the funder ’s device is executed The steps described in the financing implementation method.
  • a computer device provided in this specification includes: a memory and a processor; a computer program executable by the processor is stored on the memory; when the processor runs the computer program, the above-mentioned online application to the financing device is executed The steps described in the financing implementation method.
  • This specification provides a computer-readable storage medium on which a computer program is stored.
  • the steps described in the above digital asset issuance method applied to a credit transfer platform are executed.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program executes the steps described in the above digital asset issuance method applied to upstream enterprise equipment in the supply chain.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program is executed by a processor, the steps described in the above digital asset transfer method applied to a credit transfer platform are performed.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program is executed by a processor, the steps described in the above-mentioned digital asset transfer method applied to the transferor device are executed.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program is executed by a processor, the steps described in the above-mentioned digital asset transfer method applied to the transferee device are performed.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program is executed by a processor, the steps described in the above method for implementing online financing applied to a credit transfer platform are executed.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program is executed by a processor, the steps described in the above method for implementing online financing applied to a funder's equipment are executed.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program is executed by a processor, the steps described in the above method for implementing online financing applied to a financing device are executed.
  • the credit transfer platform issues the transaction identification information
  • the owner is the digital asset of the upstream enterprise.
  • the digital asset can be used for transfer and financing, so that the credit of the downstream enterprise in the transaction can be passed to the transferee and the financing party along with the digital asset.
  • it can be automatically Online financing without the need to manually take and implement various risk control measures, while reducing risks while reducing human workload and improving the efficiency of financing;
  • the credit transfer platform when the digital asset carrying the transaction identification information is transferred from the transferor to the transferee, the credit transfer platform submits the transfer and transfer of the digital asset to the credit blockchain, respectively Reach a consensus to make the transfer and transfer of digital assets non-tamperable and traceable, so that the credit represented by the digital asset is transferred from the transferor to the transferee, and the transferee can automatically conduct online financing based on the digital asset
  • risk control measures which reduces the workload of manpower and improves the efficiency of financing while reducing risks
  • the funder can use the digital
  • the credit of the asset representative lends money to the financing party without the need to manually take and implement various risk control measures, which reduces the risk while reducing the workload of manpower and improving the efficiency of financing.
  • FIG. 1 is a network structure diagram of an application scenario of an embodiment of this specification
  • FIG. 2 is a flowchart of a digital asset issuance method applied to a credit transfer platform in Embodiment 1 of this specification;
  • FIG. 3 is a flowchart of a digital asset issuance method applied to upstream enterprise equipment in a supply chain in Embodiment 1 of this specification;
  • FIG. 5 is a flowchart of a digital asset transfer method applied to a transferor device in Embodiment 2 of this specification;
  • FIG. 6 is a flowchart of a digital asset transfer method applied to a transferee device in Embodiment 2 of this specification;
  • FIG. 7 is a flowchart of a method for implementing online financing applied to a credit transfer platform in Embodiment 3 of this specification;
  • FIG. 8 is a flowchart of a method for implementing online financing applied to a funder ’s device in Embodiment 3 of this specification;
  • FIG. 10 is a hardware configuration diagram of a device running an embodiment of this specification.
  • FIG. 11 is a logical structure diagram of a digital asset issuance device applied to a credit transfer platform in an embodiment of this specification;
  • FIG. 12 is a logical structure diagram of a digital asset issuance device applied to upstream enterprise equipment in a supply chain in an embodiment of this specification;
  • FIG. 13 is a logical structure diagram of a digital asset transfer device applied to a credit transfer platform in an embodiment of this specification
  • FIG. 14 is a logical structure diagram of a digital asset transfer device applied to a transferor device in an embodiment of this specification;
  • 15 is a logical structure diagram of a digital asset transfer device applied to a transferee device in an embodiment of this specification;
  • 16 is a logical structure diagram of an apparatus for implementing online financing applied to a credit transfer platform in an embodiment of this specification
  • 17 is a logical structure diagram of an apparatus for implementing online financing applied to a funder ’s equipment in an embodiment of this specification;
  • FIG. 18 is a logical structure diagram of an apparatus for implementing online financing applied to financier equipment in an embodiment of this specification.
  • FIG. 1 A network structure of application scenarios in the embodiments of this specification is shown in FIG. 1, equipment of several supply chain enterprises, equipment of several non-supply chain enterprises, credit transfer platforms, service platforms of several banks, and several factoring enterprises Devices can access each other through the communication network.
  • supply chain enterprises include core supply chain enterprises, first-tier suppliers, and / or second-tier suppliers, etc .
  • non-supply chain enterprises include enterprises that have business and / or capital transactions with supply chain enterprises
  • service platforms of various banks Provide various services related to banking business to supply chain companies and non-supply chain companies as customers; factoring companies provide factoring services for accounts receivable to supply chain companies; credit transfer platforms to facilitate transactions between supply chain companies It is based on the issuance of digital assets confirmed through the credit blockchain (not shown in Figure 1), and provides the transfer, financing and sorting services of the issued digital assets.
  • the credit blockchain is used to maintain digital assets based on transactions between supply chain enterprises.
  • the architecture, nodes, and consensus algorithm of the credit blockchain can be determined according to the needs of the actual application scenario, and are not limited.
  • each device, credit transfer platform and bank service platform may be nodes of the credit blockchain, or users of the credit blockchain, or other participants' devices may serve as nodes of the credit blockchain.
  • the credit blockchain is a decentralized system. It is impossible for any participant to tamper with the data without authorization, and the data on the blockchain is permanently preserved. All behaviors involving digital assets can be traced back, greatly increasing the credit transfer platform. Credibility; and even in the extreme cases where certain nodes of the credit blockchain face human misoperation, data is maliciously tampered with, and network attacks, they can still guarantee the integrity and authenticity of the data.
  • Digital assets are accounting units that have a definite corresponding relationship with a certain legal currency (that is, the value of a unit of digital assets is a fixed amount of the legal currency, and the value of digital assets denominated in the legal currency will not change on its own), and its form is not To be limited, it can be membership rights, points, etc.
  • the equipment of the supply chain enterprise, the equipment of the non-supply chain enterprise, the factoring enterprise equipment, the credit transfer platform and the bank service platform may be mobile phones, tablet computers, PCs (Personal Computers), notebooks Physical devices such as servers and servers may also be logical devices running on two or more physical devices, and cooperate with each other to implement various functions in the embodiments of the present specification.
  • Embodiment 1 of this specification proposes a new digital asset issuance method.
  • the process of applying this method to a credit transfer platform is shown in FIG. 2, and the process of applying it to upstream enterprise equipment in a supply chain is shown in FIG. 3.
  • Step 210 On the credit transfer platform, confirm a transaction and the transaction amount of the transaction with the upstream enterprise equipment and the downstream enterprise equipment of the supply chain, respectively.
  • the transaction is carried out between upstream and downstream enterprises.
  • Step 310 On the upstream enterprise equipment, confirm with the credit transfer platform a transaction with the downstream enterprise of the supply chain and the transaction amount of the transaction.
  • the upstream enterprise When a transaction occurs between an upstream enterprise and a downstream enterprise in the supply chain, the upstream enterprise will generate accounts receivable for the transaction corresponding to the accounts payable generated by the downstream enterprise for the transaction.
  • the credit of the downstream enterprise determines the possibility of repayment of the account receivable.
  • the upstream enterprise may apply to the credit circulation platform for the issuance of digital assets corresponding to the transaction for the accounts receivable of the transaction.
  • the credit transfer platform can directly issue digital assets to the transaction that occurs, or the transaction can be guaranteed by the factoring company on the upstream company's receivables After the management service, the digital assets corresponding to the transaction are reissued; the guarantee enterprise may also provide guarantee for the payment due on the transaction.
  • both parties to the transaction confirm the transaction is true and effective on the credit transfer platform and confirm the transaction amount.
  • the factoring enterprise equipment can send the transaction to the credit transfer platform after the factoring enterprise and the upstream company have signed an agreement on the factoring of the account receivable of the transaction.
  • the credit circulation platform confirms the transaction and the transaction amount with the upstream enterprise equipment and the downstream enterprise equipment of the supply chain respectively.
  • the upstream enterprise equipment or downstream enterprise equipment can submit the transaction counterparty, transaction content and transaction amount of the transaction to the credit transfer platform respectively.
  • the credit transfer platform can be Confirm the transaction and transaction amount.
  • one of the upstream enterprise equipment or the downstream enterprise equipment may submit the transaction counterparty, transaction amount and other information of the transaction to the credit transfer platform, and the credit transfer platform sends the other party to confirm the above information Or, the other party actively visits the credit transfer platform to confirm the above information given by the credit transfer platform.
  • step 220 On the credit transfer platform, step 220, according to the transaction amount, the digital asset whose owner is the upstream enterprise is produced; the produced digital asset carries the identification information of the transaction.
  • the credit transfer platform may issue digital assets whose owner is the upstream enterprise for the transaction.
  • the number of digital assets issued is determined by the proportional relationship between digital assets and fiat currency, and the transaction amount of the transaction.
  • the value of digital assets can be the same as the transaction amount, or slightly lower than the transaction amount, without limitation.
  • the digital asset generated by the credit transfer platform carries the identification information of the transaction.
  • the content of the transaction identification information can be any information that can uniquely correspond to a transaction in the supply chain. For example, it can be a unique identification (such as a unique index number) generated by the credit transfer platform for the transaction; it can also be the The combination of several description information of a transaction. The combination of these description information can uniquely determine a transaction in the supply chain (such as the combination of upstream enterprises, downstream enterprises, transaction items and transaction time); no limitation.
  • the form of the identification information of the transaction in the digital asset is not limited, for example, it can be an attribute or a combination of attributes of the digital asset, or it can be written in the extended field of the digital asset, and so on.
  • the repayment possibility of digital assets corresponding to a transaction is mainly determined by the solvency of the downstream enterprise of the transaction or the guarantee enterprise that provides guarantee for the payment of downstream enterprises, and may also be related to the transaction amount, the cooperative relationship between the parties of the transaction and other factors .
  • the transaction identification information carried by the digital asset represents the transaction corresponding to the digital asset, and also indicates the credit of the digital asset.
  • the digital asset carrying the transaction identification information can be transferred or used for financing.
  • the credit of the digital asset is the credit of the downstream enterprise or guarantee company corresponding to the transaction, not necessarily the owner of the digital asset at the time. credit.
  • the transaction identification information is used to determine which digital assets correspond to the transaction, and the digital assets are classified.
  • the production process of digital assets can be determined according to the form of digital assets in the actual application scenario and the specific implementation of the credit blockchain, which can be referred to the existing technology and will not be repeated here.
  • the credit transfer platform may send an asset issuance synchronization request to the bank service platform after confirming the transaction corresponding to the digital asset to be issued and the transaction amount with the upstream enterprise equipment and the downstream enterprise equipment respectively;
  • the asset issuance synchronization request includes The identification information, transaction amount, upstream enterprises and downstream enterprises of the transaction can also include other information related to the transaction and the corresponding digital assets;
  • the bank service platform provides some or all of the information carried in the asset issuance synchronization request to the upstream Enterprise equipment, including the identification information and transaction amount of the transaction;
  • upstream enterprise equipment signs and confirms the information provided by the bank service platform with the digital certificate UKey issued by the bank, and returns the signature to the bank service platform;
  • the bank service platform will The signature of the upstream enterprise and the public key of the signature are sent to the credit
  • the way in which the bank service platform provides the information to be signed to the upstream enterprise equipment can be actively sent by the bank service platform to the upstream enterprise equipment, or when the upstream enterprise equipment accesses the bank service platform and uses the functions related to digital asset issuance, as The response to the access request of the upstream enterprise device is sent to the upstream enterprise device without limitation.
  • step 230 submit the issuance of the digital asset to the credit blockchain; after the credit blockchain reaches consensus on the issuance of the digital asset, send a notification of successful issuance of the digital asset to the upstream enterprise device.
  • step 320 On the upstream enterprise equipment, in step 320, a notification of the result of digital asset issuance sent by the credit transfer platform is received.
  • the owner of the digital asset is the upstream enterprise, which carries the identification information of the transaction, which is produced by the credit transfer platform according to the transaction amount of the transaction and the credit blockchain reaches consensus on the issuance of the digital asset.
  • the credit transfer platform submits the issuance of the produced digital assets to the credit blockchain. If the credit blockchain reaches a consensus on the issuance of the digital asset, it will notify the upstream enterprise equipment digital asset issuance success; otherwise notify the upstream enterprise equipment digital asset issuance failure.
  • the upstream enterprise equipment can receive the digital asset, hold part or all of the digital asset and wait for clearing, or use part or all of the digital asset to pay its own account payable , Or use part or all of the digital asset for financing.
  • the credit possessed by the digital asset is the credit of the downstream enterprise or guarantee enterprise that has the payment responsibility for the transaction corresponding to the digital asset, not the credit of the upstream enterprise.
  • the credit circulation platform After receiving the full payment for a transaction, the credit circulation platform queries the credit blockchain for each current holder of the digital asset carrying the transaction identification information and the number of the digital asset held; The credit transfer platform pays each holder of the inquiry the amount equivalent to the amount of the digital asset it holds, thus completing the clearing of the digital asset corresponding to the transaction.
  • the payer of the payment can be the downstream enterprise of the transaction or the guarantee company that guarantees the transaction; the payment can be paid to the credit transfer platform or a bank, and the service platform of the bank will pay The information is notified to the credit transfer platform; the credit transfer platform can make payments to each holder on its own, and can also make payments to the holders through banks or other financial institutions; none of the above are limited.
  • the credit transfer platform issues a supply chain transaction confirmed by both parties of the transaction through the credit blockchain to issue the identification information of the transaction, the owner is the transaction
  • the digital asset of the upstream enterprise which represents the credit of the downstream enterprise or guarantee enterprise of the transaction.
  • the credit can be passed to the transferee and the financing party, so that the financing based on the digital asset can be It is carried out online automatically, without the need to manually take and implement various risk control measures, which reduces the workload of manpower and accelerates the speed of financing while reducing risks.
  • the second embodiment of this specification proposes a new method for transferring digital assets.
  • the process of applying this method to a credit transfer platform is shown in FIG. 4 and the process of applying to a transferor ’s device is shown in FIG.
  • the process on the letting device is shown in Figure 6.
  • the digital assets used for transfer are the digital assets issued by the credit transfer platform in the first embodiment according to the transaction between the upstream and downstream enterprises in the supply chain and carrying the identification information of the transaction.
  • Both the lender and the transferee can be supply chain enterprises, non-supply chain enterprises, banks, factoring enterprises, or other enterprises that can access the credit transfer platform.
  • the transferor and transferee are the midstream and downstream enterprises and the upstream enterprise respectively, for example, when the downstream enterprise in the supply chain pays the digital asset to the upstream enterprise as a transaction payment, the credit of the digital asset is upward along the supply chain
  • the transmission of small and medium-sized enterprises in the game allows upstream small and medium-sized enterprises to obtain financing with a greater success rate and lower costs by virtue of the credit of this digital asset.
  • step 510 a digital asset transfer request is sent to the credit transfer platform; the transfer request includes the transferee of the digital asset.
  • step 410 a digital asset transfer request sent by the transferor device is received.
  • the transferor When the transferor wishes to transfer a digital asset carrying the supply chain transaction identification information to the transferee, the transferor ’s equipment encapsulates the digital asset to be transferred and its quantity, transferee and other information in the digital asset transfer request and sends Give credit transfer platform.
  • step 420 the transfer of the digital asset is submitted to the credit blockchain, and after the credit blockchain reaches consensus on the transfer of the digital asset, the digital asset transfer is sent to the transferee device of the digital asset Notice.
  • step 610 after receiving the digital asset transfer notification sent by the credit transfer platform, send a digital asset transfer request to the credit transfer platform.
  • step 430 receiving the digital asset transfer request sent by the transferee device.
  • the credit transfer platform submits the transfer of the digital asset specified in the digital asset transfer request to the credit blockchain. If the credit blockchain reaches consensus on the transfer of the digital asset, a digital asset transfer notification is sent to the transferee device to inform the recipient The transferred device's digital assets can be received; otherwise, the transferor device is notified that the digital asset transfer has failed.
  • the transferor can sign and confirm the transfer of digital assets to increase the non-repudiation of digital asset processing behavior.
  • the credit transfer platform can send the asset transfer synchronization request to the bank service platform after receiving the digital asset transfer request;
  • the asset transfer synchronization request includes the transferred digital asset, the transferee and the transferor, and can also include the Other information related to the digital asset to be transferred;
  • the bank service platform provides part or all of the information carried in the asset transfer synchronization request to the transferor ’s equipment, including the transferred digital asset and the transferee;
  • the transferor ’s equipment provides the bank service platform with The information is confirmed by the digital certificate UKey issued by the bank, and the signature is returned to the bank service platform;
  • the bank service platform sends the transferor ’s signature and the signed public key to the credit transfer platform;
  • the credit transfer platform stores the transferor ’s signature And its public key, then submit the transfer of digital assets to the credit blockchain.
  • the way in which the bank service platform provides the information to be signed to the transferor device can be actively sent by the bank service platform to the transferor device; or when the transferor device accesses the bank service platform and uses the functions related to digital asset transfer, The response to the access request of the transferor device is sent to the transferor device by the bank service platform; there is no limitation.
  • the transferee device After receiving the digital asset transfer notification sent by the credit transfer platform, the transferee device can automatically send the digital asset transfer request to the credit transfer platform, or notify the transferee operator first, and then confirm with the operator
  • the credit transfer platform sends a request for the transfer of digital assets.
  • the digital asset transfer request may include information such as the transferred digital asset and the transferor.
  • step 440 the transfer of the digital asset is submitted to the credit blockchain, and after the credit blockchain has reached a consensus on the transfer of the digital asset, the digital asset's transferor equipment and transfer The letting device sends a notification that the digital asset transfer was successful.
  • step 520 receive the notification of the transfer result of the digital asset returned by the credit transfer platform; the transfer result of the digital asset is submitted by the credit transfer platform to the credit block chain after the transfer and transfer of the digital asset, respectively, according to Whether the credit blockchain has reached consensus is determined.
  • step 620 a notification of the transfer result of the digital asset returned by the credit transfer platform is received.
  • the credit transfer platform After the credit transfer platform receives the digital asset transfer request from the transferee device, it submits the transfer of the digital asset specified in the digital asset transfer request to the credit blockchain. If the credit block chain receives the transfer of the digital asset If a consensus is reached, the digital asset transfer notification will be sent to the transferor equipment and the transferee equipment separately, informing the transferor and transferee that the digital asset has been successfully transferred by the transferor to the transferee; otherwise, the transferor will be transferred to the transferor separately. The device and the transferee device send a notification that the digital asset transfer has failed.
  • the transferee can sign and confirm the transfer of digital assets to increase the non-repudiation of digital asset processing behavior.
  • the credit transfer platform can send the asset transfer synchronization request to the bank service platform after receiving the digital asset transfer request;
  • the asset transfer synchronization request includes the transferred digital asset, the transferor and the transferee, It can also include other information related to the digital asset to be transferred;
  • the bank service platform provides part or all of the information carried in the asset transfer synchronization request to the transferee device, including the transferred digital asset and the transferor;
  • transferee The party's device signs the information provided by the bank service platform with the digital certificate UKey issued by the bank and returns the signature to the bank service platform;
  • the bank service platform sends the transferee's signature and the signed public key to the credit transfer platform
  • the credit transfer platform will save the transferee's signature and its public key before submitting the transfer of digital assets to the credit blockchain.
  • the way the bank service platform provides the to-be-signed information to the transferee device can be actively sent by the bank service platform to the transferee device, or the transferee device can access the bank service platform and use the functions related to the transfer of digital assets At this time, the bank service platform sends a response to the access request of the transferee device to the transferee device without limitation.
  • the transfer of digital assets carrying transaction identification information is divided into two stages of transfer and transfer, and each stage is submitted to the credit blockchain by the credit transfer platform to reach consensus, Improving the tamper-proof and traceable characteristics of digital asset transfer, the transferee can automatically finance online with the credit of the digital asset, and no longer need to take and implement various risk control measures against the transferee, while reducing risks Reduced manpower workload and improved the efficiency of financing.
  • Embodiment 3 of this specification proposes a new online financing implementation method.
  • the process of applying this method to a credit transfer platform is shown in FIG. 7, and the process of applying to a funder ’s device is shown in FIG. 8.
  • the process on the square device is shown in Figure 9.
  • the digital assets used for financing are the digital assets issued by the credit transfer platform in the first embodiment according to the transaction between the upstream and downstream enterprises in the supply chain and carrying the identification information of the transaction.
  • Investors can be banks, factoring companies and other financial institutions that can access credit transfer platforms; financiers can be supply chain companies, non-supply chain companies, factoring companies, and other companies that can access credit transfer platforms.
  • step 910 a financing request based on digital assets is sent to the credit transfer platform, and the financing request includes the investor.
  • step 710 a financing request based on digital assets sent by the financier's device is received.
  • the owner of the digital asset (finance party) carrying the identification information of the supply chain transaction wishes to rely on the digital asset for financing, he can designate the digital asset for financing and the funder on his equipment. Information such as assets and their quantity, and investors are encapsulated in the digital asset financing request and sent to the credit transfer platform.
  • step 720 the ownership transfer of the digital asset from the financier to the investor is submitted to the credit blockchain, and after the credit blockchain reaches consensus on the ownership transfer of the digital asset, it is sent to the investor's equipment Loan request, which includes digital assets and financiers for financing.
  • step 810 receiving the loan request sent by the credit transfer platform.
  • the ownership of the digital assets used for financing will be transferred from the financing party to the investor.
  • the credit transfer platform After receiving the digital asset financing request, the credit transfer platform submits the ownership transfer of the digital asset specified in the request to the credit blockchain. If the credit blockchain reaches consensus on the transfer of the ownership of the digital asset, the credit transfer platform submits to the investor
  • the device sends a loan request to inform the investor that the device has a financing business based on digital assets that needs to be processed.
  • the loan request includes the digital assets used for financing and the financing party, and may also include other information related to the digital assets used for financing and financing funds. If the credit blockchain fails to reach a consensus on the transfer of ownership of the digital asset, the credit transfer platform returns a notification of financing failure to the financing device.
  • the financing party may sign and confirm the financing based on the digital assets to increase the non-repudiation of the digital asset processing behavior.
  • the investor's equipment is a bank service platform.
  • the credit transfer platform receives the digital asset financing request, it can submit the freezing of the digital assets used for financing to the credit blockchain; If the credit blockchain fails to reach a consensus on the freezing of the digital asset, the credit circulation platform returns a notification of financing failure to the financier ’s equipment; if the credit blockchain reaches consensus on the freezing of the digital asset, the credit circulation platform will serve as the capital contribution
  • the bank service platform of the party ’s equipment sends an asset financing synchronization request; the asset financing synchronization request includes the digital assets used for financing and the financing party, and can also include other information related to the digital assets used for financing and financing funds; the bank service platform will Part or all of the information carried in the asset financing synchronization request is provided to the financier ’s equipment, including the digital assets used for financing; the financier ’s equipment signs
  • the way in which the bank service platform provides the information to be signed to the financier's equipment can be sent by the bank service platform to the financier's equipment; or when the financier's equipment accesses the bank service platform and uses functions related to digital asset financing, The response to the access request of the financier's equipment is sent to the financier's equipment by the bank service platform; no limitation is imposed.
  • step 820 after inquiring to the credit blockchain that the ownership of the digital asset has been transferred to its own party, lend money to the financier and send a loan notice to the financier's equipment.
  • step 920 receiving the loan notification returned by the funding device, the loan notification is sent by the funding device after confirming to the credit blockchain that the ownership of the digital asset has been transferred from the financing to the funding, The transfer of ownership of digital assets is submitted to the credit blockchain by the credit transfer platform.
  • the funder's equipment After receiving the loan request from the credit transfer platform, the funder's equipment extracts the digital assets used for financing and the financier from the loan request. For the ownership of the digital assets used for financing in the loan request, the investor ’s equipment initiates an inquiry to the credit blockchain. If the query result returned from the credit blockchain is that the ownership of the digital asset has been transferred from the investor to the own party, then according to the value of the digital asset used for financing, the loan process to the financier is initiated, including the loan to the financier And after the loan is sent, the loan notification is sent to the financier's equipment.
  • the funder ’s device returns a notification that the digital asset transfer failed to the credit transfer platform.
  • the credit transfer platform may notify the financier equipment of the failure of financing, or the financier equipment may send a notice of financing failure to the financier equipment.
  • the credit transfer platform transfers the ownership of the digital assets to the capital, and the funder can use the digital asset to represent Lending credit to the financing party, no longer need to manually take and implement various risk control measures, while reducing risks while reducing human workload and improving the efficiency of financing.
  • a third-party payment institution develops a credit transfer platform based on blockchain technology to solve the practical problems of financing difficulties and expensive financing for small and micro enterprises in the supply chain.
  • factoring financing usually only provides services to first-tier suppliers that have direct trade relationships with core supply chain companies.
  • the credit circulation platform can use the trustworthy, non-tamperable and traceable characteristics of the blockchain to transfer the credit of the core enterprise to the upstream of the supply chain, so the small and micro enterprises at the end can obtain better financing services.
  • the nodes of the credit blockchain include the credit transfer platform, the bank service platform of each cooperative bank, the equipment of the core enterprise of the supply chain and the equipment of the regulatory agency.
  • Each node is based on PBFT (Practical Byzantine Fault Tolerance, a practical Byzantine fault-tolerant algorithm) ) The algorithm reaches consensus.
  • the core enterprises of the supply chain are usually downstream of the entire supply chain, and have direct or indirect purchasing relationships with upstream suppliers at all levels.
  • suppliers at all levels of the supply chain are registered users of the credit transfer platform, and are also registered users of at least one bank service platform, and possess the digital certificate UKey issued by the bank.
  • the core enterprise of the supply chain (a downstream enterprise) and the first-level supplier (a kind of upstream enterprise) reach an agreement on a transaction, and the guarantee enterprise provides guarantee for the core enterprise to pay the transaction.
  • the first-tier supplier can apply to the credit circulation platform to issue digital assets based on the transaction, and digital asset issuance can be achieved through the following interactive process:
  • the first-tier supplier reached a factoring agreement with the factoring company on the accounts receivable from the core company in this transaction, and signed the factoring agreement through the interaction between its equipment and the factoring enterprise equipment.
  • the factoring enterprise equipment sends a notice to the credit transfer platform that the transaction has reached a factoring agreement.
  • the credit circulation platform informs the core enterprise equipment to confirm the transaction, and the core enterprise equipment submits the transaction payment of the transaction to the credit circulation platform, including the transaction amount, payment period, etc. (a way to confirm the transaction and its transaction amount);
  • the operator of the first-tier supplier can confirm the transaction payment information of the transaction provided by the core enterprise equipment after logging into the credit transfer platform (a way to confirm the transaction and its transaction amount).
  • the credit transfer platform sends an asset issuance synchronization request to the bank service platform, which carries the identification information of the transaction, the transaction amount, the core enterprise and the first-level supplier, and can also carry the payment period of the transaction, the core enterprise and the first-level supplier The supplier's confirmation of the transaction, etc.
  • the transaction service information obtained from the asset issuance synchronization request provided by the bank service platform is confirmed by the UKey signature issued by the bank.
  • the device of the first-level supplier returns the signature to the bank service platform.
  • the bank service platform sends the signature of the primary supplier and the public key of the signature to the credit transfer platform.
  • the credit circulation platform After storing the signature of the first-level supplier and the public key of the signature, the credit circulation platform generates a digital asset with an amount equal to the transaction amount of the transaction, the digital asset of the first-level supplier, and calls the credit blockchain to provide the Interface to submit the issuance of digital assets to the credit blockchain.
  • the credit blockchain runs a consensus algorithm on the issuance of the digital asset, and returns the result of whether or not consensus is reached to the credit transfer platform through asynchronous messages.
  • the credit circulation platform After the credit circulation platform learns that the credit blockchain has reached consensus on the issuance of the digital asset, it sends a notification of the successful issuance of the digital asset to the first-tier supplier equipment.
  • the primary supplier After receiving the digital assets issued by the credit circulation platform, the primary supplier can pay the purchase price to the secondary supplier with the digital asset, that is, transfer some or all of its own digital assets to the secondary supplier.
  • the transfer of digital assets carrying transaction identification information from the primary supplier to the secondary supplier can be achieved through the following interactive process:
  • the operator of the primary supplier logs into the credit transfer platform, selects the digital asset with the supply chain transaction identification information to be transferred out, designates the transferee of the digital asset as the secondary supplier, and requests the transfer.
  • the first-tier supplier equipment sends a digital asset transfer request to the credit transfer platform.
  • the request includes the digital asset designated by the operator and the transferee's second-tier supplier.
  • the credit transfer platform sends an asset transfer synchronization request to the bank service platform, and the request includes the digital asset to be transferred, the first-level supplier of the transferor, and the second-level supplier of the transferee.
  • the transferred digital assets, transferee and other information obtained from the asset transfer synchronization request provided by the bank service platform are confirmed with the UKey signature issued by the bank .
  • the device of the first-level supplier returns the signature to the bank service platform.
  • the bank service platform sends the signature of the primary supplier and the public key of the signature to the credit transfer platform.
  • the credit transfer platform After saving the signature of the first-level supplier and the public key of the signature, the credit transfer platform calls the interface provided by the credit blockchain to submit the transfer of digital assets to the credit blockchain.
  • the credit blockchain runs a consensus algorithm on the transfer of the digital asset, and returns the result of whether a consensus has been reached to the credit transfer platform through asynchronous messages.
  • the credit transfer platform When the credit transfer platform receives a message that the credit blockchain has reached a consensus on the transfer of the digital asset, it sends a digital asset transfer notification to the secondary supplier's equipment, informing the secondary provider that the transferred digital asset can be received.
  • the operator of the second-tier supplier logs on the credit transfer platform and confirms the receipt of the digital assets transferred by the first-tier supplier.
  • the equipment of the second-level supplier sends a request for the transfer of digital assets to the credit transfer platform.
  • the request includes the digital assets to be received, the first-level supplier of the lender, and other information.
  • the credit transfer platform sends an asset transfer synchronization request to the bank service platform, which includes information such as the digital asset to be transferred, the primary supplier of the transferor, and the secondary supplier of the transferee.
  • the UKey issued by the bank is used for the digital assets, the transferor, and other information obtained from the asset transfer synchronization request provided by the bank service platform.
  • Signature confirmation The equipment of the secondary supplier returns the signature to the bank service platform.
  • the bank service platform sends the signature of the secondary supplier and the public key of the signature to the credit transfer platform.
  • the credit transfer platform After saving the signature of the secondary supplier and the public key of the signature, the credit transfer platform calls the interface provided by the credit blockchain to submit the transfer of digital assets to the credit blockchain.
  • the credit blockchain runs a consensus algorithm on the transfer of the digital asset, and returns the result of whether a consensus has been reached to the credit transfer platform through asynchronous messages.
  • the credit circulation platform When the credit circulation platform receives a message that the credit blockchain has reached a consensus on the transfer of the digital asset, it sends a notification of the successful transfer of the digital asset to the first-tier supplier equipment and the second-tier supplier equipment, informing the first-tier supplier and The transfer of digital assets of secondary suppliers has been successful.
  • Second-tier suppliers can rely on all their own digital assets carrying supply chain transaction identification information to finance banks.
  • the financing process can be achieved through the following interactive process:
  • the operator of the secondary supplier logs in to the credit transfer platform, selects the digital asset with supply chain transaction identification information to be used for financing, designates a bank of the investor, and requests financing.
  • the secondary supplier equipment sends a digital asset financing request to the credit transfer platform.
  • the request includes the digital asset designated by the operator for financing and the bank of the investor.
  • the credit circulation platform submits the freezing of digital assets used for financing to the credit blockchain. After the credit blockchain reached a consensus on the freezing of the digital asset, the credit circulation platform was notified with an asynchronous message.
  • the credit transfer platform sends an asset financing synchronization request to the bank ’s banking service platform, which includes information such as digital assets used for financing, the secondary supplier of the financing party, and the bank of the investor.
  • the operator of the second-tier supplier After logging in to the banking service platform on their equipment, the operator of the second-tier supplier uses the UKey signature issued by the bank to confirm the digital assets and other information obtained from the asset financing synchronization request provided by the banking service platform.
  • the equipment of the secondary supplier returns the signature to the bank service platform.
  • the bank service platform sends the signature of the secondary supplier and the public key of the signature to the credit transfer platform.
  • the credit transfer platform After saving the signature of the secondary supplier and the public key of the signature, the credit transfer platform calls the interface provided by the credit blockchain to submit the transfer of ownership of the digital assets used for financing from the secondary supplier to the bank to the credit area Blockchain.
  • the credit blockchain runs a consensus algorithm on the transfer of ownership of the digital asset, and returns the result of whether a consensus has been reached to the credit transfer platform through asynchronous messages.
  • the credit transfer platform When the credit transfer platform receives a message that the credit blockchain has reached a consensus on the transfer of ownership of the digital asset, it sends a loan request to the bank service platform, including the digital asset used for financing and the financing party.
  • the banking service platform queries the credit blockchain for the ownership of the digital assets used for financing. If the result of the query is that the ownership of the digital assets belongs to the party, the bank will make a loan to the secondary supplier and send the loan notification to the secondary supplier's equipment.
  • the core company When the payment deadline for the transaction corresponding to the digital asset is approaching, the core company usually pays the transaction account to the account opened by the factoring company on the credit transfer platform. If the core company fails to pay, the guarantee company will pay the transaction account to the account opened by the factoring company on the credit transfer platform.
  • the credit transfer platform After receiving the payment for a transaction, the credit transfer platform queries the credit blockchain for the owners of all digital assets that carry the identification information of the transaction and the number of digital assets held by each owner. According to the ratio of the value of digital assets to currency, the credit circulation platform generates a breakdown of the digital asset, which includes each holder and the amount of receivables. The credit transfer platform entrusts the bank service platform to repay the payment of the transaction to the corresponding receivable amount of each holder according to the detailed breakdown. After receiving the notification of the successful result of each payment by the bank service platform, the credit transfer platform may submit the destruction of the digital asset carrying the identification information of the transaction to the credit blockchain.
  • the embodiments of this specification also provide a digital asset issuance device applied to a credit transfer platform, a digital asset issuance device applied to upstream enterprise equipment of a supply chain, and a credit transfer platform Digital asset transfer device, a digital asset transfer device applied to the transferor ’s equipment, a digital asset transfer device applied to the transferee ’s equipment, an online financing implementation device applied to the credit transfer platform, an application A device for realizing online financing of a funder's equipment, and a device for realizing online financing of a funder's equipment.
  • the above devices can be implemented by software, or by hardware or a combination of software and hardware.
  • the device where the above-mentioned device is located usually also includes other hardware such as chips for wireless signal transmission and reception, and / or for implementing network communication functions Other hardware such as boards.
  • FIG. 11 shows a digital asset issuance device provided by an embodiment of the present specification, which is applied to a credit circulation platform.
  • the device includes a platform transaction confirmation unit, a digital asset production unit, and an issue submission unit, where the platform transaction confirmation unit is used to Confirm a transaction with the upstream enterprise equipment and downstream enterprise equipment of the supply chain and the transaction value of the transaction; the transaction is conducted between the upstream enterprise and the downstream enterprise; the digital asset production unit is used to produce all The digital asset of the upstream enterprise; the digital asset carries the identification information of the transaction; the issuance and submission unit is used to submit the issuance of the digital asset to the credit blockchain; After reaching consensus on the issuance of digital assets, a notification of successful issuance of digital assets is sent to the upstream enterprise equipment.
  • the device further includes: a transaction confirmation signature receiving unit, configured to send an asset issuance synchronization request to a bank service platform after confirming the transaction and its transaction amount;
  • the asset issuance synchronization request includes the transaction The identification information, transaction amount, upstream enterprise and downstream enterprise, for the bank service platform to provide the identification information and transaction amount of the transaction to the upstream enterprise equipment for signature confirmation with the digital certificate UKey issued by the bank; receiving the upstream returned by the bank service platform The enterprise signature and the public key of the signature;
  • the digital asset production unit is specifically used to: after saving the upstream enterprise signature and its public key returned by the bank service platform, produce the owner of the upstream enterprise according to the transaction amount Digital assets.
  • the transaction confirmation unit is specifically configured to: after receiving a notification sent by the factoring enterprise equipment that a factoring agreement has been reached between the accounts receivable of a transaction and the upstream enterprise of the supply chain, separately communicate with the upstream The enterprise equipment and downstream enterprise equipment of the supply chain confirm the transaction and the transaction amount.
  • the transaction is guaranteed by the guarantee enterprise for the payment due.
  • the device further includes: a transaction money clearing unit, which is used to pay each holder of the digital asset with the identification information of the transaction after receiving the full payment for the transaction It is equivalent to the digital asset held by the digital asset with the identification information of the transaction.
  • a transaction money clearing unit which is used to pay each holder of the digital asset with the identification information of the transaction after receiving the full payment for the transaction It is equivalent to the digital asset held by the digital asset with the identification information of the transaction.
  • FIG. 12 shows a digital asset issuance device provided in an embodiment of this specification, which is applied to upstream enterprise equipment in a supply chain.
  • the device includes an upstream transaction confirmation unit and an issuance result receiving unit, where the upstream transaction confirmation unit is used to
  • the credit transfer platform confirms a transaction with the downstream enterprise of the supply chain and the transaction amount of the transaction;
  • the issuance result receiving unit is used to receive the notification of the issuance result of the digital asset sent by the credit transfer platform;
  • the owner of the digital asset is
  • the upstream enterprise, carrying the identification information of the transaction is produced by the credit circulation platform according to the transaction amount and the consensus is reached by the credit blockchain on the issuance of the digital asset.
  • the device further includes a transaction confirmation signature execution unit, which is used to sign and confirm the transaction identification information and the transaction amount provided by the bank service platform with a digital certificate UKey issued by the bank.
  • a transaction confirmation signature execution unit which is used to sign and confirm the transaction identification information and the transaction amount provided by the bank service platform with a digital certificate UKey issued by the bank.
  • the factoring enterprise provides factoring services for the receivables of the downstream enterprise in the transaction; the transaction guarantee is provided by the guarantee enterprise for the payment due.
  • FIG. 13 shows a digital asset transfer device provided in an embodiment of the present specification, which is applied to a credit transfer platform.
  • the device includes a transfer request receiving unit, an asset transfer submission unit, a transfer request reception unit, and an asset transfer submission unit.
  • the transfer request receiving unit is used to receive the digital asset transfer request sent by the transferor equipment, the digital asset is issued by the credit transfer platform according to the transaction between the supply chain enterprises, and carries the identification information of the transaction; the transfer request Including the transferee of the digital asset;
  • the asset transfer submission unit is used to submit the transfer of the digital asset to the credit blockchain, and after the credit blockchain reaches consensus on the transfer of the digital asset, the digital asset Of the transferee device sends a digital asset transfer notification;
  • the transfer request receiving unit is used to receive the digital asset transfer request sent by the transferee device;
  • the asset transfer submission unit is used to submit the transfer of the digital asset to the credit Blockchain, after reaching consensus on the transfer of the digital assets by the credit blockchain, the Successful notification transferor and transferee
  • the device further includes: a transfer confirmation signature receiving unit and a transfer confirmation signature receiving unit, wherein: the transfer confirmation signature receiving unit is used to send an asset transfer to a bank service platform after receiving the digital asset transfer request Synchronization request; the asset transfer synchronization request includes the transferred digital asset, the transferee and the transferor, for the bank service platform to provide the transferred digital asset and the transferee with the transferor ’s device signed by the bank ’s digital certificate UKey Confirmation; receiving the transferor's signature and the public key of the transferor's signature returned by the bank service platform; the transfer confirmation signature receiving unit is used to send an asset transfer synchronization request to the bank service platform after receiving the digital asset transfer request; The asset transfer synchronization request includes the transferred digital asset, the transferor and the transferee, for the bank service platform to provide the transferred digital asset and the transferor to the transferee device to sign with the digital certificate UKey issued by the bank Confirmation; receiving the transferee ’s signature and the transferee ’s signed public
  • the transferor is a downstream enterprise in the supply chain, and the transferee is an upstream enterprise in the supply chain.
  • FIG. 14 shows a digital asset transfer device provided by an embodiment of the present specification, which is applied to a transferor device.
  • the device includes a transfer request sending unit and a transfer result receiving unit, where the transfer request sending unit is used to transfer to a credit transfer platform Send a digital asset transfer request; the digital asset is issued by the credit transfer platform according to the transaction between upstream and downstream enterprises in the supply chain, carrying the identification information of the transaction; the transfer request includes the transferee of the digital asset; the transfer result
  • the receiving unit is used to receive the notification of the digital asset transfer result returned by the credit transfer platform; the digital asset transfer result is submitted by the credit transfer platform to the transfer and transfer of digital assets to the credit block chain respectively, according to the credit block Whether the chain reached a consensus to determine.
  • the device further includes: a transfer confirmation signature execution unit, which is used to sign and confirm the transferred digital assets provided by the bank service platform and the transferee with the digital certificate UKey issued by the bank.
  • a transfer confirmation signature execution unit which is used to sign and confirm the transferred digital assets provided by the bank service platform and the transferee with the digital certificate UKey issued by the bank.
  • the transferee is an upstream enterprise of the transferor in the supply chain.
  • the device includes a transfer request sending unit and a transfer result receiving unit, where the transfer request sending unit is used to After receiving the digital asset transfer notification sent by the credit transfer platform, send the digital asset transfer request to the credit transfer platform; the digital asset is issued by the credit transfer platform according to the transaction between the upstream and downstream enterprises of the supply chain, carrying the transaction Identification information; the transfer result receiving unit is used to receive the notification of the digital asset transfer result returned by the credit transfer platform; the digital asset transfer result is submitted by the credit transfer platform to the transfer and transfer of digital assets to the credit blockchain, respectively After that, it is determined according to whether the credit blockchain has reached consensus.
  • the device further includes a transfer confirmation signature execution unit, which is used to sign and confirm the transferred digital assets provided by the bank service platform and the transferor with the digital certificate UKey issued by the bank.
  • a transfer confirmation signature execution unit which is used to sign and confirm the transferred digital assets provided by the bank service platform and the transferor with the digital certificate UKey issued by the bank.
  • the transferor of the digital asset is a downstream enterprise of the transferee in the supply chain.
  • FIG. 16 shows an apparatus for implementing online financing provided by an embodiment of the present specification, which is applied to a credit transfer platform.
  • the apparatus includes a financing request receiving unit and an ownership transfer submission unit, wherein: the financing request receiving unit is used to receive a financing party The digital asset financing request sent by the device; the digital asset financing request includes the digital assets and funders used for financing; the digital assets are issued by the credit transfer platform according to transactions between upstream and downstream enterprises in the supply chain, carrying the The identification information of the transaction; the ownership transfer submission unit is used to submit the ownership transfer of the digital asset from the financier to the investor to the credit blockchain. After the credit blockchain reaches consensus on the ownership transfer of the digital asset, the The funder's equipment sends a loan request; the loan request includes the digital assets used for financing and the financing party.
  • the funder equipment includes: a bank service platform; the device further includes an asset freezing submission unit and a financing confirmation signature receiving unit, wherein: the asset freezing submission unit is used to The freezing of the digital asset is submitted to the credit blockchain; the financing confirmation signature receiving unit is used to send an asset financing synchronization request to the bank service platform after the credit blockchain has reached a consensus on the freezing of the digital asset; the asset financing The synchronization request includes digital assets and financiers used for financing, and the bank service platform provides the digital assets used for financing to the financier ’s equipment for signature confirmation with the digital certificate UKey issued by the bank; receiving the financier ’s signature returned by the bank service platform The public key signed by the financing party; the ownership transfer submission unit submits the ownership transfer of the digital asset from the financing party to the investor to the credit blockchain, including: after saving the signature of the financing party returned by the bank service platform and its public key , Submit the transfer of ownership of the digital asset from the financier to the investor to the credit block chain.
  • FIG. 17 shows an online financing implementation device provided by an embodiment of the present specification, which is applied to a funder ’s equipment, and the device includes a loan request receiving unit and a loan and loan notification sending unit, where the loan request receiving unit is used to receive A loan request sent by a credit transfer platform, the loan request includes digital assets and financing parties for financing; the digital asset is issued by the credit transfer platform according to transactions between upstream and downstream enterprises in the supply chain, carrying the transaction Identification information; the loan notification sending unit is used to make a loan to the financier and send a loan notification to the financier ’s equipment after inquiring to the credit blockchain that the ownership of the digital asset has been transferred to the party.
  • the funder equipment includes: a bank service platform; the device further includes a financing confirmation signature providing unit, which is used to receive an asset financing synchronization request of the credit transfer platform, and the asset financing synchronization request includes funds for financing Digital assets and financiers; provide digital assets for financing to financier equipment, receive signatures returned by financier equipment with a digital certificate issued by the bank UKey; financier signatures and financier signatures returned to credit transfer platform Public key.
  • a financing confirmation signature providing unit which is used to receive an asset financing synchronization request of the credit transfer platform, and the asset financing synchronization request includes funds for financing Digital assets and financiers; provide digital assets for financing to financier equipment, receive signatures returned by financier equipment with a digital certificate issued by the bank UKey; financier signatures and financier signatures returned to credit transfer platform Public key.
  • FIG. 18 shows an apparatus for implementing online financing provided by an embodiment of the present specification, which is applied to a financing party device.
  • the apparatus includes a financing request sending unit and a loan notification receiving unit, wherein: the financing request sending unit is used to transfer credit
  • the platform sends a digital asset financing request.
  • the digital asset financing request includes the digital assets used for financing and the investor; the digital assets are issued by the credit transfer platform according to transactions between upstream and downstream enterprises in the supply chain, carrying the transactions The identification information of the loan; the loan notification receiving unit is used to receive the loan notification returned by the investor ’s equipment, and the loan notification is sent by the investor ’s equipment after confirming to the credit blockchain that the ownership of the digital asset has been transferred from the financier to the investor , The ownership transfer of the digital asset is submitted to the credit blockchain by the credit transfer platform.
  • the funder includes: a bank; the device further includes a financing confirmation signature execution unit, which is used to sign and confirm the digital asset provided by the bank service platform for financing with a digital certificate UKey issued by the bank.
  • a financing confirmation signature execution unit which is used to sign and confirm the digital asset provided by the bank service platform for financing with a digital certificate UKey issued by the bank.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the steps of the digital asset issuance method applied to the credit transfer platform in the embodiments of the present specification.
  • the processor runs the stored computer program, it executes the steps of the digital asset issuance method applied to the credit transfer platform in the embodiments of the present specification.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the steps of the digital asset issuance method applied to the upstream enterprise equipment of the supply chain in the embodiments of the present specification.
  • the steps of the digital asset issuance method applied to upstream enterprise equipment in the supply chain please refer to the previous content, and it will not be repeated.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the steps of the digital asset transfer method applied to the credit transfer platform in the embodiments of the present specification.
  • the processor runs the stored computer program, it executes the steps of the digital asset transfer method applied to the credit transfer platform in the embodiments of the present specification.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the steps of the digital asset transfer method applied to the transferor device in the embodiments of the present specification.
  • the processor runs the stored computer program, it executes the steps of the digital asset transfer method applied to the transferor device in the embodiments of the present specification.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the steps of the digital asset transfer method applied to the transferee device in the embodiments of the present specification.
  • the processor runs the stored computer program, it executes the steps of the digital asset transfer method applied to the transferee device in the embodiments of the present specification.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the steps of the online financing implementation method applied to the credit transfer platform in the embodiments of the present specification.
  • the processor runs the stored computer program, it executes the steps of the online financing implementation method applied to the credit transfer platform in the embodiments of the present specification.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes the steps of the implementation method of the online financing applied to the funder device in the embodiments of the present specification.
  • the processor runs the stored computer program, it executes the steps of the implementation method of the online financing applied to the funder device in the embodiments of the present specification.
  • the embodiments of the present specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, each step of the method for implementing online financing applied to the financing device in the embodiment of the present specification is executed. Please refer to the previous content for a detailed description of each step of the implementation method of the online financing applied to the financier's equipment, and it will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium that stores computer programs, which when executed by a processor, execute the digital asset issuance method applied to the credit transfer platform in the embodiments of the present specification
  • the various steps For a detailed description of each step of the digital asset issuance method applied to the credit circulation platform, please refer to the previous content, and it will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium that stores computer programs that, when executed by a processor, execute the numbers applied to upstream enterprise equipment of the supply chain in the embodiments of the present specification
  • the various steps of the asset issuance method For a detailed description of the steps of the digital asset issuance method applied to upstream enterprise equipment in the supply chain, please refer to the previous content, and it will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium on which computer programs are stored.
  • the digital asset transfer method applied to the credit transfer platform in the embodiments of the present specification is executed The various steps.
  • the steps of the digital asset transfer method applied to the credit transfer platform please refer to the previous content, and it will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium on which computer programs are stored.
  • the digital asset transfer method applied to the transferor device in the embodiments of the present specification is executed The various steps.
  • each step of the digital asset transfer method applied to the transferor ’s equipment please refer to the previous content and it will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium on which computer programs are stored. When these computer programs are executed by a processor, the digital asset transfer applied to the transferee device in the embodiments of the present specification is executed. The various steps of the method. For a detailed description of each step of the digital asset transfer method applied to the transferee's equipment, please refer to the previous content, and it will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium that stores computer programs, which when executed by a processor, implements the implementation of online financing applied to the credit transfer platform in the embodiments of the present specification
  • the various steps of the method For a detailed description of the various steps of the implementation method of the online financing applied to the credit transfer platform, please refer to the previous content, and will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium that stores computer programs, which when executed by a processor, implements the implementation of online financing applied to the funder's equipment in the embodiments of the present specification
  • the various steps of the method For a detailed description of each step of the implementation method of online financing applied to the funder's equipment, please refer to the previous content, and will not be repeated.
  • the embodiments of the present specification provide a computer-readable storage medium that stores computer programs, which when executed by a processor, implements the implementation of online financing applied to the financing device in the embodiments of the present specification
  • the various steps of the method Please refer to the previous content for a detailed description of each step of the implementation method of the online financing applied to the financier's equipment, and it will not be repeated.
  • the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.
  • processors CPUs
  • input / output interfaces output interfaces
  • network interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory, random access memory (RAM) and / or non-volatile memory in computer-readable media, such as read only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash memory
  • Computer-readable media including permanent and non-permanent, removable and non-removable media, can store information by any method or technology.
  • the information may be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices.
  • computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
  • the embodiments of the present specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification may take the form of computer program products implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code .
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.

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Abstract

本说明书提供一种数字资产发行方法，应用于信用流转平台，所述方法包括：分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额；所述交易在上游企业与下游企业之间进行；根据所述交易额生产所有者为所述上游企业的数字资产；所述数字资产携带有所述交易的标识信息；将所述数字资产的发行提交至信用区块链；在信用区块链就所述数字资产的发行达成共识后，向所述上游企业设备发送数字资产发行成功的通知。

Description

数字资产的发行和转让、在线融资的实现方法和装置 技术领域
本说明书涉及网络通信技术领域，尤其涉及一种数字资产的发行方法和装置、一种数字资产的转让方法和装置、以及一种在线融资的实现方法及装置。
背景技术
供应链融资是把供应链上的核心企业及其相关的上下游企业作为一个整体，根据供应链中企业的交易关系和行业特点制定整体金融解决方案的一种融资模式。供应链融资能够在一定程度上缓解中末端小微企业融资难、融资贵的问题。
对银行或其他出资的金融机构而言，虽然供应链融资相对于单个企业能够降低一定的风险，但是仍然需要针对供应链中的各个企业分别实施信用考察、货物担保、现金流监控等风险控制措施，这些人力工作需要耗费大量的时间，影响了供应链融资的效率。
发明内容
有鉴于此，本说明书提供一种数字资产发行方法，应用于信用流转平台，所述方法包括：
分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额；所述交易在上游企业与下游企业之间进行；
根据所述交易额生产所有者为所述上游企业的数字资产；所述数字资产携带有所述交易的标识信息；
将所述数字资产的发行提交至信用区块链；在信用区块链就所述数字资产的发行达成共识后，向所述上游企业设备发送数字资产发行成功的通知。
本说明书提供的一种数字资产发行方法，应用于供应链的上游企业设备，所述方法包括：
与信用流转平台确认与供应链下游企业之间的一项交易以及所述交易的交易额；
接收信用流转平台发送的数字资产发行结果的通知；所述数字资产的所有者为所述上游企业，携带有所述交易的标识信息，由信用流转平台根据所述交易额生产并由信 用区块链就所述数字资产的发行达成共识。
本说明书提供的一种数字资产转让方法，应用于信用流转平台，所述方法包括：
接收出让方设备发送的数字资产出让请求，所述数字资产由信用流转平台根据供应链企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
将所述数字资产的出让提交至信用区块链，在信用区块链就所述数字资产的出让达成共识后，向所述数字资产的受让方设备发送数字资产转入通知；
接收受让方设备发送的数字资产受让请求；
将所述数字资产的受让提交至信用区块链，在信用区块链就所述数字资产的受让达成共识后，分别向所述数字资产的出让方设备和受让方设备发送所述数字资产转让成功的通知。
本说明书提供的一种数字资产转让方法，应用于出让方设备，所述方法包括：
向信用流转平台发送数字资产出让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
本说明书提供的一种数字资产转让方法，应用于受让方设备，所述方法包括：
在收到信用流转平台发送的数字资产转入通知后，向信用流转平台发送数字资产受让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
本说明书提供的一种在线融资的实现方法，应用于信用流转平台，所述方法包括：
接收融资方设备发送的数字资产融资请求；所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交 易发行，携带有所述交易的标识信息；
将所述数字资产从融资方到出资方的所有权转移提交至信用区块链，在信用区块链就所述数字资产的所有权转移达成共识后，向出资方设备发送放款请求；所述放款请求中包括用于融资的数字资产和融资方。
本说明书提供的一种在线融资的实现方法，应用于出资方设备，所述方法包括：
接收信用流转平台发送的放款请求，所述放款请求中包括用于融资的数字资产和融资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
在向信用区块链查询到所述数字资产的所有权已转移至己方后，放款给融资方并向融资方设备发送放款通知。
本说明书提供的一种在线融资的实现方法，应用于融资方设备，所述方法包括：
向信用流转平台发送数字资产融资请求，所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
接收出资方设备返回的放款通知，所述放款通知由出资方设备在向信用区块链确认所述数字资产的所有权已由融资方转移至出资方后发送，所述数字资产的所有权转移由信用流转平台提交至信用区块链。
本说明书还提供了一种数字资产发行装置，应用于信用流转平台，所述装置包括：
平台交易确认单元，用于分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额；所述交易在上游企业与下游企业之间进行；
数字资产生产单元，用于根据所述交易额生产所有者为所述上游企业的数字资产；所述数字资产携带有所述交易的标识信息；
发行提交单元，用于将所述数字资产的发行提交至信用区块链；在信用区块链就所述数字资产的发行达成共识后，向所述上游企业设备发送数字资产发行成功的通知。
本说明书提供的一种数字资产发行装置，应用于供应链的上游企业设备，所述装置包括：
上游交易确认单元，用于与信用流转平台确认与供应链下游企业之间的一项交易以及所述交易的交易额；
发行结果接收单元，用于接收信用流转平台发送的数字资产发行结果的通知；所述数字资产的所有者为所述上游企业，携带有所述交易的标识信息，由信用流转平台根据所述交易额生产并由信用区块链就所述数字资产的发行达成共识。
本说明书提供的一种数字资产转让装置，应用于信用流转平台，所述装置包括：
出让请求接收单元，用于接收出让方设备发送的数字资产出让请求，所述数字资产由信用流转平台根据供应链企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
资产出让提交单元，用于将所述数字资产的出让提交至信用区块链，在信用区块链就所述数字资产的出让达成共识后，向所述数字资产的受让方设备发送数字资产转入通知；
受让请求接收单元，用于接收受让方设备发送的数字资产受让请求；
资产受让提交单元，用于将所述数字资产的受让提交至信用区块链，在信用区块链就所述数字资产的受让达成共识后，分别向所述数字资产的出让方设备和受让方设备发送所述数字资产转让成功的通知。
本说明书提供的一种数字资产转让装置，应用于出让方设备，所述装置包括：
出让请求发送单元，用于向信用流转平台发送数字资产出让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
转让结果接收单元，用于接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
本说明书提供的一种数字资产转让装置，应用于受让方设备，所述装置包括：
受让请求发送单元，用于在收到信用流转平台发送的数字资产转入通知后，向信用流转平台发送数字资产受让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
转让结果接收单元，用于接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
本说明书提供的一种在线融资的实现装置，应用于信用流转平台，所述装置包括：
融资请求接收单元，用于接收融资方设备发送的数字资产融资请求；所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
所有权转移提交单元，用于将所述数字资产从融资方到出资方的所有权转移提交至信用区块链，在信用区块链就所述数字资产的所有权转移达成共识后，向出资方设备发送放款请求；所述放款请求中包括用于融资的数字资产和融资方。
本说明书提供的一种在线融资的实现装置，应用于出资方设备，所述装置包括：
放款请求接收单元，用于接收信用流转平台发送的放款请求，所述放款请求中包括用于融资的数字资产和融资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
放款及放款通知发送单元，用于在向信用区块链查询到所述数字资产的所有权已转移至己方后，放款给融资方并向融资方设备发送放款通知。
本说明书提供的一种在线融资的实现装置，应用于融资方设备，所述装置包括：
融资请求发送单元，用于向信用流转平台发送数字资产融资请求，所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
放款通知接收单元，用于接收出资方设备返回的放款通知，所述放款通知由出资方设备在向信用区块链确认所述数字资产的所有权已由融资方转移至出资方后发送，所述数字资产的所有权转移由信用流转平台提交至信用区块链。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于信用流转平台的数字资产发行方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于供应链的上游企业设备的数字资产发行方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于信 用流转平台的数字资产转让方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于出让方设备的数字资产转让方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于受让方设备的数字资产转让方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于信用流转平台的在线融资的实现方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于出资方设备的在线融资的实现方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于融资方设备的在线融资的实现方法所述的步骤。
本说明书提供的一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于信用流转平台的数字资产发行方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于供应链的上游企业设备的数字资产发行方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于信用流转平台的数字资产转让方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于出让方设备的数字资产转让方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于受让方设备的数字资产转让方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算 机程序被处理器运行时，执行上述应用于信用流转平台的在线融资的实现方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于出资方设备的在线融资的实现方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于融资方设备的在线融资的实现方法所述的步骤。
由以上技术方案可见，在本说明书数字资产发行方法及装置实施例中，信用流转平台在与上游企业设备和下游企业设备分别确认一项交易后，根据交易额发行携带有所述交易标识信息、所有者为上游企业的数字资产，该数字资产可以用来转让和融资，使得下游企业在该交易上的信用得以随着该数字资产传递给受让方和融资方，基于该数字资产可以自动的进行在线融资而无需人工采取和实施各种风险控制措施，在降低风险的同时减少了人力工作量，提高了融资的效率；
在本说明书数字资产转让方法及装置实施例中，在携带有交易标识信息的数字资产由出让方转让给受让方时，信用流转平台分别将数字资产的出让和受让提交给信用区块链达成共识，使得数字资产的出让和受让都具有不可篡改和可追溯的特性，从而将该数字资产代表的信用从出让方转移给受让方，受让方可以基于该数字资产自动进行在线融资而无需人工采取和实施各种风险控制措施，在降低风险的同时减少了人力工作量，提高了融资的效率；
在本说明书在线融资的实现方法及装置实施例中，对基于携带有交易标识信息的数字资产的融资请求，信用流转平台将该数字资产的所有权转移给出资方后，出资方即可凭借该数字资产代表的信用向融资方放款，而无需人工采取和实施各种风险控制措施，在降低风险的同时减少了人力工作量，提高了融资的效率。
附图说明
图1是本说明书实施例应用场景的一种网络结构图；
图2是本说明书实施例一中一种应用于信用流转平台的数字资产发行方法的流程图；
图3是本说明书实施例一中一种应用于供应链的上游企业设备的数字资产发行方法的流程图；
图4是本说明书实施例二中一种应用于信用流转平台的数字资产转让方法的流程图；
图5是本说明书实施例二中一种应用于出让方设备的数字资产转让方法的流程图；
图6是本说明书实施例二中一种应用于受让方设备的数字资产转让方法的流程图；
图7是本说明书实施例三中一种应用于信用流转平台的在线融资的实现方法的流程图；
图8是本说明书实施例三中一种应用于出资方设备的在线融资的实现方法的流程图；
图9是本说明书实施例三中一种应用于融资方设备的在线融资的实现方法的流程图；
图10是运行本说明书实施例的设备的一种硬件结构图；
图11是本说明书实施例中一种应用于信用流转平台的数字资产发行装置的逻辑结构图；
图12是本说明书实施例中一种应用于供应链的上游企业设备的数字资产发行装置的逻辑结构图；
图13是本说明书实施例中一种应用于信用流转平台的数字资产转让装置的逻辑结构图；
图14是本说明书实施例中一种应用于出让方设备的数字资产转让装置的逻辑结构图；
图15是本说明书实施例中一种应用于受让方设备的数字资产转让装置的逻辑结构图；
图16是本说明书实施例中一种应用于信用流转平台的在线融资的实现装置的逻辑结构图；
图17是本说明书实施例中一种应用于出资方设备的在线融资的实现装置的逻辑结构图；
图18是本说明书实施例中一种应用于融资方设备的在线融资的实现装置的逻辑结构图。
具体实施方式
本说明书实施例应用场景的一种网络结构如图1所示，若干个供应链企业的设备、若干个非供应链企业的设备、信用流转平台、若干个银行的服务平台、若干个保理企业的设备可以通过通信网络相互访问。其中，供应链企业包括供应链的核心企业、一级供应商、和/或二级供应商等；非供应链企业包括与供应链企业有业务和/或资金往来的企业；各个银行的服务平台向作为客户的供应链企业和非供应链企业提供与银行业务相关的各种服务；保理企业向供应链企业提供应收账款的保理服务；信用流转平台以供应链企业之间的交易为依据发行通过信用区块链(图1中未示出)确权的数字资产，并提供所发行数字资产的转让、融资和清分服务。
本说明书的实施例中，信用区块链用来维护以供应链企业之间的交易为依据的数字资产。可以根据实际应用场景的需要来确定信用区块链的架构、节点及共识算法等，均不做限定。图1中各个设备、信用流转平台和银行服务平台可以是信用区块链的节点，也可以只是信用区块链的使用者，还可以由其他参与者的设备来作为信用区块链的节点。信用区块链是一个去中心化的系统，任一参与方都不可能擅自篡改数据，且区块链上的数据永久保存，涉及数字资产的所有行为都可以被追溯，大大增加了信用流转平台的公信力；并且即使在信用区块链的某些节点面临人工误操作、数据被恶意篡改、网络攻击等极端情况下，仍然能够保证数据的完整性和真实性。
数字资产是与某种法定货币具有确定对应关系的记账单位(即一单位数字资产的价值为固定数量的该法定货币，数字资产以该法定货币计价的价值不会自行变动)，其形式不做限定，可以是会员权益、积分等等。
本说明书的实施例中，供应链企业的设备、非供应链企业的设备、保理企业设备、信用流转平台及银行服务平台，可以是手机、平板电脑、PC(Personal Computer，个人电脑)、笔记本、服务器等物理设备，还可以是运行在两个或两个以上物理设备的逻辑设备、相互协同来实现本说明书实施例中的各项功能。
本说明书的实施例一提出一种新的数字资产的发行方法，该方法应用在信用流转平台上的流程如图2所示，应用在供应链上游企业设备上的流程如图3所示。
步骤210，在信用流转平台上，分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额。该交易在上游企业与下游企业之间进行。
步骤310，在上游企业设备上，与信用流转平台确认与供应链下游企业之间的一项 交易以及所述交易的交易额。
当供应链上游企业和下游企业之间发生一项交易后，对应于下游企业的对该项交易产生的应付账款，上游企业将产生该项交易的应收账款。下游企业的信用决定了该应收账款得到偿付的可能性。上游企业可以就该项交易的应收账款，向信用流转平台申请发行对应于该项交易的数字资产。
根据实际应用场景中下游企业的信用状况、融资方的要求等因素，信用流转平台可以直接对所发生的交易发行数字资产，也可以该交易由保理企业就上游企业的应收账款提供保理服务后，再发行对应于该交易的数字资产；还可以由担保企业对该交易的到期付款提供担保。
在对某项供应链交易发行数字资产前，先由交易双方对信用流转平台确认该项交易真实有效，并确认该项交易的额度。如果有保理企业为该交易提供保理服务，则可以在保理企业和上游企业就该交易的应收账款保理签署协议后，由保理企业设备向信用流转平台发送该项交易达成保理协议的通知，信用流转平台在收到该通知后，再分别与上游企业设备和供应链的下游企业设备确认该项交易及其交易额。
本说明书的实施例对具体的确认流程不做限定。在一种实现方式中，可以由上游企业设备或下游企业设备分别向信用流转平台提交该项交易的交易对方、交易内容和交易额等信息，双方提交的信息相互匹配时，信用流转平台即可确认该项交易和交易额。在另一种实现方式中，可以由上游企业设备或下游企业设备中的一方向信用流转平台提交该项交易的交易对方、交易额等信息，由信用流转平台发送给另一方对上述信息进行确认；或者由另一方主动访问信用流转平台，对信用流转平台给出的上述信息进行确认。
在信用流转平台上，步骤220，根据交易额生产所有者为该上游企业的数字资产；所生产的数字资产携带有该项交易的标识信息。
在和供应链上下游企业的设备分别确认一项交易后，信用流转平台可以为该项交易发行所有者为上游企业的数字资产。所发行的数字资产的数量由数字资产与法定货币之间的比例关系、以及该项交易的交易额来决定，数字资产的价值可以与交易额相同、或者略低于交易额，不做限定。
信用流转平台所生成的数字资产携带有该项交易的标识信息。交易的标识信息的内容可以是任何能够唯一对应于供应链上一项交易的信息，举例而言，可以是信用流转平台为该项交易生成的唯一标识(如唯一索引号)；也可以是该项交易的若干个描述信 息的组合，这些描述信息的组合能够唯一确定供应链中的一项交易(如上游企业、下游企业、交易物品和交易发生时间的组合)；不做限定。交易的标识信息在数字资产中的表现形式也不做限定，例如，可以是数字资产的属性或属性的组合，也可以写入数字资产的扩展字段，等等。
对应于一项交易的数字资产的偿付可能性，主要由该交易的下游企业、或者为下游企业付款提供担保的担保企业的清偿能力决定，还可能和交易额、交易双方的合作关系等因素相关。数字资产携带的交易标识信息，代表了该数字资产对应的交易，也同时标示出该数字资产的信用。携带有交易标识信息的数字资产可以被转让，也可以用来融资，在融资时该数字资产的信用是其对应交易的下游企业或担保企业的信用，而不一定是当时该数字资产所有者的信用。在该项交易得到偿付后，采用交易的标识信息来确定对应于该项交易的是哪些数字资产，并对这些数字资产进行清分。
数字资产的生产过程可以根据实际应用场景中数字资产的形式、信用区块链的具体实现来确定，可参照现有技术，不再赘述。
由于本说明书的实施例中是信用流转平台向信用区块链提交数字资产的发行，在一些应用场景中，可以由上游企业对数字资产的发行进行签名确认，以增加数字资产处理行为的不可抵赖性。具体而言，可以由信用流转平台在分别与上游企业设备和下游企业设备确认对应于待发行数字资产的交易及其交易额后，向银行服务平台发送资产发行同步请求；资产发行同步请求中包括该项交易的标识信息、交易额、上游企业和下游企业，还可以包括其他与该项交易和对应的数字资产相关的信息；银行服务平台将资产发行同步请求中携带部分或全部信息提供给上游企业设备，其中包括该项交易的标识信息和交易额；上游企业设备对银行服务平台提供的信息，以银行发行的数字证书UKey进行签名确认，并将签名返回给银行服务平台；银行服务平台将上游企业的签名以及该签名的公钥发送给信用流转平台；信用流转平台在保存上游企业签名及其公钥后，再按照该项交易的交易额生产所有者为上游企业的数字资产。
其中，银行服务平台向上游企业设备提供待签名信息的方式可以是由银行服务平台主动发送给上游企业设备，也可以在上游企业设备访问银行服务平台并使用与数字资产发行相关的功能时，作为对上游企业设备的访问请求的响应发送给上游企业设备，不做限定。
采用银行发行的数字证书UKey进行签名，使得涉及数字资产的行为成为基于电子签名法的一笔协议交易，进一步增加了不可抵赖性。
在信用流转平台上，步骤230，将该数字资产的发行提交至信用区块链；在信用区块链就该数字资产的发行达成共识后，向该上游企业设备发送数字资产发行成功的通知。
在上游企业设备上，步骤320，接收信用流转平台发送的数字资产发行结果的通知。该数字资产的所有者为该上游企业，携带有该项交易的标识信息，由信用流转平台根据该项交易的交易额生产并由信用区块链就该数字资产的发行达成共识。
信用流转平台将所生产的数字资产的发行提交至信用区块链，如果信用区块链就该数字资产的发行达成共识，则通知上游企业设备数字资产发行成功；否则通知上游企业设备数字资产发行失败。
上游企业设备在收到数字资产发行成功的通知后，可以接收该数字资产，持有该数字资产部分到全部等待清分，或者用该数字资产的部分到全部来对自己的应付账款进行支付，或者用该数字资产的部分到全部来进行融资。在支付和融资时，该数字资产具有的信用是对该数字资产对应的交易有付款责任的下游企业或担保企业的信用，而不是该上游企业的信用。
在收到对某项交易的足额支付款项后，信用流转平台向信用区块链查询当前每个持有携带该项交易标识信息的数字资产的持有者以及持有的该数字资产数量；信用流转平台向每个查询到的持有者支付与其持有的该数字资产数量等值的款项，从而完成对应于该项交易的数字资产的清分。支付款项的付款方可以是该项交易的下游企业，也可以是为该项交易担保的担保企业；款项可以支付给信用流转平台，也可以支付给某个银行，由该银行的服务平台将支付信息通知给信用流转平台；信用流转平台可以自行向各个持有者支付款项，也可以通过银行或者其他金融机构向持有者支付款项；上述均不做限定。
可见，本说明书的实施例一中，信用流转平台以经交易双方确认的一项供应链交易为依据，通过信用区块链来发行携带有该项交易的标识信息、所有者为该项交易的上游企业的数字资产，该数字资产代表了该项交易的下游企业或担保企业的信用，在用来转让和融资时可以将信用传递给受让方和融资方，使得基于该数字资产的融资可以在线自动进行，而无需人工采取和实施各种风险控制措施，在降低风险的同时减少了人力工作量，加快了融资的速度。
本说明书的实施例二提出一种新的数字资产的转让方法，该方法应用在信用流转平台上的流程如图4所示，应用在出让方设备上的流程如图5所示，应用于受让方设备上的流程如图6所示。
实施例二中，用来转让的数字资产是实施例一中信用流转平台根据供应链上下游企业之间的交易发行、携带有该项交易的标识信息的数字资产。出让方和受让方均可以是供应链企业、非供应链企业、银行、保理企业、或者其他可以访问信用流转平台的企业。当出让方和受让方分别为供应链中下游企业和上游企业时，例如当供应链中的下游企业将数字资产作为交易款项支付给上游企业时，该数字资产的信用即沿着供应链向上游的中小型企业传导，使得上游的中小型企业可以凭借该数字资产的信用以更大的成功率、更低的成本获得融资。
在出让方设备上，步骤510，向信用流转平台发送数字资产出让请求；出让请求中包括数字资产的受让方。
在信用流转平台上，步骤410，接收出让方设备发送的数字资产出让请求。
当出让方希望向受让方转让一笔携带有供应链交易标识信息的数字资产时，由出让方设备将要出让的数字资产及其数量、受让方等信息封装在数字资产出让请求中，发送给信用流转平台。
在信用流转平台上，步骤420，将该数字资产的出让提交至信用区块链，在信用区块链就该数字资产的出让达成共识后，向该数字资产的受让方设备发送数字资产转入通知。
在受让方设备上，步骤610，在收到信用流转平台发送的数字资产转入通知后，向信用流转平台发送数字资产受让请求。
在信用流转平台上，步骤430，接收受让方设备发送的数字资产受让请求。
信用流转平台将数字资产出让请求中指定数字资产的出让提交至信用区块链，如果信用区块链就该数字资产的出让达成共识，则向受让方设备发送数字资产转入通知，告知受让方设备有转入的数字资产可以接收；否则通知出让方设备数字资产出让失败。
在一些应用场景中，可以由出让方对数字资产的出让进行签名确认，以增加数字资产处理行为的不可抵赖性。具体而言，可以由信用流转平台在收到数字资产出让请求后，向银行服务平台发送资产出让同步请求；资产出让同步请求中包括出让的数字资产、受让方和出让方，还可以包括与要出让的数字资产相关的其他信息；银行服务平台将资产出让同步请求中携带部分或全部信息提供给出让方设备，其中包括出让的数字资产和受让方；出让方设备对银行服务平台提供的信息，以银行发行的数字证书UKey进行签名确认，并将签名返回给银行服务平台；银行服务平台将出让方的签名以及该签名的公 钥发送给信用流转平台；信用流转平台在保存出让方签名及其公钥后，再将数字资产的出让提交至信用区块链。
其中，银行服务平台向出让方设备提供待签名信息的方式可以是由银行服务平台主动发送给出让方设备；也可以在出让方设备访问银行服务平台并使用与数字资产转让相关的功能时，作为对出让方设备的访问请求的响应由银行服务平台发送给出让方设备；不做限定。
受让方设备在收到信用流转平台发送的数字资产转入通知后，可以自动向信用流转平台发送数字资产受让请求，也可以先通知受让方操作人员，经操作人员确认后，再向信用流转平台发送数字资产受让请求。数字资产受让请求中可以包括受让的数字资产、出让方等信息。
在信用流转平台上，步骤440，将该数字资产的受让提交至信用区块链，在信用区块链就该数字资产的受让达成共识后，分别向该数字资产的出让方设备和受让方设备发送该数字资产转让成功的通知。
在出让方设备上，步骤520，接收信用流转平台返回的该数字资产转让结果的通知；该数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
在受让方设备上，步骤620，接收信用流转平台返回的该数字资产转让结果的通知。
在信用流转平台收到来自受让方设备的数字资产受让请求后，将数字资产受让请求中指定数字资产的受让提交至信用区块链，如果信用区块链就该数字资产的受让达成共识，则向出让方设备和受让方设备分别发送数字资产转让成功的通知，告知出让方和受让方该数字资产已经成功的由出让方转让给受让方；否则分别向出让方设备和受让方设备发送该数字资产转让失败的通知。
在一些应用场景中，可以由受让方对数字资产的受让进行签名确认，以增加数字资产处理行为的不可抵赖性。具体而言，可以由信用流转平台在收到数字资产受让请求后，向银行服务平台发送资产受让同步请求；资产受让同步请求中包括受让的数字资产、出让方和受让方，还可以包括与要受让的数字资产相关的其他信息；银行服务平台将资产受让同步请求中携带部分或全部信息提供给受让方设备，其中包括受让的数字资产和出让方；受让方设备对银行服务平台提供的信息，以银行发行的数字证书UKey进行签名确认，并将签名返回给银行服务平台；银行服务平台将受让方的签名以及该签名的公 钥发送给信用流转平台；信用流转平台在保存受让方签名及其公钥后，再将数字资产的受让提交至信用区块链。
其中，银行服务平台向受让方设备提供待签名信息的方式可以是由银行服务平台主动发送给受让方设备，也可以在受让方设备访问银行服务平台并使用与数字资产转让相关的功能时，作为对受让方设备的访问请求的响应由银行服务平台发送给受让方设备，不做限定。
可见，本说明书的实施例二中，将携带有交易标识信息的数字资产的转让分为出让和受让两个阶段，每个阶段都分别由信用流转平台提交至信用区块链以达成共识，提高了数字资产转让的不可篡改和可追溯特性，受让方可以凭借该数字资产的信用在线自动进行融资，而不再需要对受让方采取和实施各种风险控制措施，在降低风险的同时减少了人力工作量，提高了融资的效率。
本说明书的实施例三提出一种新的在线融资的实现方法，该方法应用在信用流转平台上的流程如图7所示，应用在出资方设备上的流程如图8所示，应用于融资方设备上的流程如图9所示。
实施例三中，用来融资的数字资产即是实施例一中信用流转平台根据供应链上下游企业之间的交易发行、携带有该项交易的标识信息的数字资产。出资方可以是银行、保理企业以及其他可以访问信用流转平台的金融机构；融资方可以是供应链企业、非供应链企业、保理企业、以及其他可以访问信用流转平台的企业。
在融资方设备上，步骤910，向信用流转平台发送基于数字资产的融资请求，融资请求中包括出资方。
在信用流转平台上，步骤710，接收融资方设备发送的基于数字资产的融资请求。
当携带有供应链交易标识信息的数字资产的所有者(融资方)希望凭借数字资产融资时，可以在其设备上指定用于融资的数字资产和出资方，由融资方设备将用于的数字资产及其数量、出资方等信息封装在数字资产融资请求中，发送给信用流转平台。
在信用流转平台上，步骤720，将该数字资产从融资方到出资方的所有权转移提交至信用区块链，在信用区块链就该数字资产的所有权转移达成共识后，向出资方设备发送放款请求，放款请求中包括用于融资的数字资产和融资方。
在出资方设备上，步骤810，接收信用流转平台发送的放款请求。
在采用携带供应链交易标识信息的数字资产进行融资时，用于融资的数字资产的所有权将从融资方转移到出资方。信用流转平台在收到数字资产融资请求后，将请求中指定数字资产的所有权转移提交至信用区块链，如果信用区块链就该数字资产的所有权转移达成共识，则信用流转平台向出资方设备发送放款请求，告知出资方设备有基于数字资产的融资业务需要处理。放款请求中包括用于融资的数字资产、融资方，还可以包括与用于融资的数字资产以及融资资金相关的其他信息。如果信用区块链就该数字资产的所有权转移未能达成共识，信用流转平台向融资方设备返回融资失败的通知。
在一些应用场景中，可以由融资方对基于数字资产的融资进行签名确认，以增加数字资产处理行为的不可抵赖性。具体而言，当出资方为银行时，出资方设备为银行服务平台，在信用流转平台在收到数字资产融资请求后，可以将对用于融资的数字资产的冻结提交至信用区块链；如果信用区块链就该数字资产的冻结未能达成共识，则信用流转平台向融资方设备返回融资失败的通知；如果信用区块链就该数字资产的冻结达成共识，信用流转平台向作为出资方设备的银行服务平台发送资产融资同步请求；资产融资同步请求中包括用于融资的数字资产和融资方，还可以包括与用于融资的数字资产以及融资资金相关的其他信息；银行服务平台将资产融资同步请求中携带的部分或全部信息提供给融资方设备，其中包括用于融资的数字资产；融资方设备对银行服务平台提供的信息，以银行发行的数字证书UKey进行签名确认，并将签名返回给银行服务平台；银行服务平台将融资方的签名以及该签名的公钥发送给信用流转平台；信用流转平台在保存融资方签名及其公钥后，再将该数字资产所有权从融资方到出资方的转移提交至信用区块链。
其中，银行服务平台向融资方设备提供待签名信息的方式可以是由银行服务平台主动发送给融资方设备；也可以在融资方设备访问银行服务平台并使用与数字资产融资相关的功能时，作为对融资方设备的访问请求的响应由银行服务平台发送给融资方设备；不做限定。
在出资方设备上，步骤820，在向信用区块链查询到该数字资产的所有权已转移至己方后，放款给融资方并向融资方设备发送放款通知。
在融资方设备上，步骤920，接收出资方设备返回的放款通知，该放款通知由出资方设备在向信用区块链确认该数字资产的所有权已由融资方转移至出资方后发送，所述数字资产的所有权转移由信用流转平台提交至信用区块链。
出资方设备在收到信用流转平台的放款请求后，从放款请求中提取用于融资的数 字资产和融资方。对放款请求中用于融资的数字资产的所有权，出资方设备向信用区块链发起查询。如果从信用区块链返回的查询结果是该数字资产的所有权已经从出资方转移到己方，则按照用于融资的数字资产的价值，启动对融资方的放款程序，其中包括向融资方放款，并在放款后向融资方设备发送放款通知。
如果从信用区块链返回的查询结果是该数字资产的所有权当前不属于己方，则出资方设备向信用流转平台返回数字资产转移失败的通知。可以由信用流转平台通知融资方设备融资失败，也可以由出资方设备向融资方设备发送融资失败的通知。
可见，本说明书的实施例三中，当融资方采用携带有交易标识信息的数字资产进行融资时，信用流转平台将该数字资产的所有权转移给出资方后，出资方即可凭借该数字资产代表的信用向融资方放款，不再需要人工采取和实施各种风险控制措施，在降低风险的同时减少了人力工作量，提高了融资的效率。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在本说明书的一个应用示例中，第三方支付机构开发基于区块链技术的信用流转平台，来解决供应链中末端小微企业融资难、融资贵的实际问题。在传统的供应链金融业务中，保理融资通常只给和供应链核心企业有直接贸易关系的一级供应商提供服务。但是在整个产业集群的供应链条中，由于末端小微企业的资信较差，且可用的抵押物少，很难获得传统银行的融资服务。信用流转平台可以利用区块链可信、不可篡改、可追溯的特性，将核心企业的信用向供应链上游传递，末端的小微企业因此能够获得更好的融资服务。
本应用示例中，信用区块链的节点包括信用流转平台、各个合作银行的银行服务平台、供应链核心企业的设备和监管机构的设备，各个节点基于PBFT(Practical Byzantine Fault Tolerance，实用拜占庭容错算法)算法达成共识。
供应链的核心企业通常处于整个供应链的下游，对上游的各级供应商有直接或间接的采购关系。本应用示例中，供应链的各级供应商都是信用流转平台的注册用户，也是至少一个银行服务平台的注册用户，拥有该银行发行的数字证书UKey。
供应链的核心企业(一种下游企业)和一级供应商(一种上游企业)就一笔交易达成协议，由担保企业为核心企业支付交易款项提供担保。一级供应商可以基于该交易向信用流转平台申请发行数字资产，数字资产发行可以通过如下的交互流程实现：
一级供应商就该项交易中对核心企业的应收账款与保理企业达成保理协议，并通过其设备与保理企业设备之间的交互签署保理协议。保理企业设备向信用流转平台发送该项交易达成保理协议的通知。信用流转平台通知核心企业设备确认该项交易，核心企业设备向信用流转平台提交该项交易的交易款项，包括交易额、支付期限等(一种对该项交易及其交易额的确认方式)；一级供应商的操作员可以在登录信用流转平台后，对核心企业设备提供的该项交易的交易款项信息进行确认(一种对该项交易及其交易额的确认方式)。
信用流转平台向银行服务平台发送资产发行同步请求，在请求中携带该项交易的标识信息、交易额、核心企业和一级供应商，还可以携带该项交易的付款期限、核心企业和一级供应商对该项交易的确认操作的信息等。
一级供应商的操作员在其设备上登录银行服务平台后，对银行服务平台提供的从资产发行同步请求中获取的该项交易的信息，使用银行发行的UKey签名确认。一级供应商的设备将签名返回给银行服务平台。银行服务平台将一级供应商的签名以及该签名的公钥发送给信用流转平台。
信用流转平台在保存一级供应商的签名以及该签名的公钥后，生成数量等值于该项交易的交易额、所有者为一级供应商的数字资产，并调用信用区块链提供的接口，将数字资产的发行提交至信用区块链。信用区块链就该数字资产的发行运行共识算法，并通过异步消息将是否达成共识的结果返回给信用流转平台。
在信用流转平台在得知信用区块链就该数字资产的发行达成共识后，向一级供应商设备发送数字资产发行成功的通知。
一级供应商在接收信用流转平台发行的数字资产后，可以向二级供应商以该数字资产来支付货款，即将部分或全部自己所有的数字资产转让给二级供应商。一级供应商向二级供应商转让携带有交易标识信息的数字资产，可以通过如下的交互流程实现：
一级供应商的操作人员登录信用流转平台，选择要转出的带有供应链交易标识信息的数字资产，指定该数字资产的受让方为二级供应商，并请求进行转让。一级供应商设备向信用流转平台发送数字资产出让请求，请求中包括操作人员指定的数字资产和受 让方二级供应商。
信用流转平台向银行服务平台发送资产出让同步请求，在请求中包括要出让的数字资产、出让方一级供应商、受让方二级供应商等信息。
一级供应商的操作员在其设备上登录银行服务平台后，对银行服务平台提供的从资产出让同步请求中获取的出让的数字资产、受让方及其他信息，使用银行发行的UKey签名确认。一级供应商的设备将签名返回给银行服务平台。银行服务平台将一级供应商的签名以及该签名的公钥发送给信用流转平台。
信用流转平台在保存一级供应商的签名以及该签名的公钥后，调用信用区块链提供的接口，将数字资产的出让提交至信用区块链。信用区块链就该数字资产的出让运行共识算法，并通过异步消息将是否达成共识的结果返回给信用流转平台。
当信用流转平台收到信用区块链就该数字资产的出让达成共识的消息后，向二级供应商设备发送数字资产转入的通知，告知二级供应商有转入的数字资产可以接收。
二级供应商的操作人员登录信用流转平台，确认接收一级供应商转让的数字资产。二级供应商的设备向信用流转平台发送数字资产受让请求，请求中包括要接收的数字资产、出让方一级供应商等信息。
信用流转平台向银行服务平台发送资产受让同步请求，在请求中包括要受让的数字资产、出让方一级供应商、受让方二级供应商等信息。
二级供应商的操作员在其设备上登录银行服务平台后，对银行服务平台提供的从资产受让同步请求中得到的要受让的数字资产、出让方及其他信息，使用银行发行的UKey签名确认。二级供应商的设备将签名返回给银行服务平台。银行服务平台将二级供应商的签名以及该签名的公钥发送给信用流转平台。
信用流转平台在保存二级供应商的签名以及该签名的公钥后，调用信用区块链提供的接口，将数字资产的受让提交至信用区块链。信用区块链就该数字资产的受让运行共识算法，并通过异步消息将是否达成共识的结果返回给信用流转平台。
当信用流转平台收到信用区块链就该数字资产的受让达成共识的消息后，分别向一级供应商设备和二级供应商设备发送数字资产转让成功的通知，告知一级供应商和二级供应商数字资产转让已成功。
二级供应商可以凭借自己所有的携带有供应链交易标识信息的数字资产，来向银 行进行融资，其融资过程可以通过如下的交互流程实现：
二级供应商的操作人员登录信用流转平台，选择要用于融资的带有供应链交易标识信息的数字资产，指定出资方某银行，并请求进行融资。二级供应商设备向信用流转平台发送数字资产融资请求，请求中包括操作人员指定的用于融资的数字资产和出资方银行。
信用流转平台将用于融资的数字资产的冻结提交至信用区块链。在信用区块链就该数字资产的冻结达成共识后，以异步消息通知信用流转平台。
信用流转平台向该银行的银行服务平台发送资产融资同步请求，在请求中包括用于融资的数字资产、融资方二级供应商、出资方银行等信息。
二级供应商的操作员在其设备上登录银行服务平台后，对银行服务平台提供的从资产融资同步请求中获取的用于融资的数字资产及其他信息，使用银行发行的UKey签名确认。二级供应商的设备将签名返回给银行服务平台。银行服务平台将二级供应商的签名以及该签名的公钥发送给信用流转平台。
信用流转平台在保存二级供应商的签名以及该签名的公钥后，调用信用区块链提供的接口，将用于融资的数字资产所有权从二级供应商到该银行的转移提交至信用区块链。信用区块链就该数字资产所有权的转移运行共识算法，并通过异步消息将是否达成共识的结果返回给信用流转平台。
当信用流转平台收到信用区块链就该数字资产所有权的转移达成共识的消息后，向银行服务平台发送放款请求，在请求中包括用于融资的数字资产和融资方。
银行服务平台向信用区块链查询用于融资的数字资产的所有权归属，如果查询结果是该数字资产的所有权属于己方，则向二级供应商放款，将放款通知发送给二级供应商设备。
当数字资产对应的交易的支付期限临近时，核心企业通常会向保理企业在信用流转平台开设的账户支付交易账款。如果核心企业到期未能支付，将由担保企业向保理企业在信用流转平台开设的账户支付交易账款。
信用流转平台在收到某笔交易的支付账款后，向信用区块链查询携带有该交易的标识信息的所有数字资产的所有者，以及每个所有者持有的数字资产数量。按照数字资产与货币的价值比例，信用流转平台生成该数字资产的清分明细，清分明细中包括每个持有者及其应收的款项额度。信用流转平台委托银行服务平台将该笔交易的支付账款按 照清分明细偿付给每个持有者对应的应收款项额度。在收到银行服务平台每笔偿付均成功的结果通知后，信用流转平台可以将携带有该交易的标识信息的数字资产的销毁提交至信用区块链。
与上述流程实现对应，本说明书的实施例还提供了一种应用于信用流转平台的数字资产发行装置、一种应用于供应链的上游企业设备的数字资产发行装置、一种应用于信用流转平台的数字资产转让装置、一种应用于出让方设备的数字资产转让装置、一种应用于受让方设备的数字资产转让装置、一种应用于信用流转平台的在线融资的实现装置、一种应用于出资方设备的在线融资的实现装置、和一种应用于融资方设备的在线融资的实现装置。上述装置均可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为逻辑意义上的装置，是通过所在设备的CPU(Central Process Unit，中央处理器)将对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言，除了图10所示的CPU、内存以及存储器之外，上述装置所在的设备通常还包括用于进行无线信号收发的芯片等其他硬件，和/或用于实现网络通信功能的板卡等其他硬件。
图11所示为本说明书实施例提供的一种数字资产发行装置，应用于信用流转平台，所述装置包括平台交易确认单元、数字资产生产单元和发行提交单元，其中：平台交易确认单元用于分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额；所述交易在上游企业与下游企业之间进行；数字资产生产单元用于根据所述交易额生产所有者为所述上游企业的数字资产；所述数字资产携带有所述交易的标识信息；发行提交单元用于将所述数字资产的发行提交至信用区块链；在信用区块链就所述数字资产的发行达成共识后，向所述上游企业设备发送数字资产发行成功的通知。
可选的，所述装置还包括：交易确认签名接收单元，用于在确认所述交易及其交易额后，向银行服务平台发送资产发行同步请求；所述资产发行同步请求中包括所述交易的标识信息、交易额、上游企业和下游企业，供银行服务平台将所述交易的标识信息和交易额提供给上游企业设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的上游企业签名以及所述签名的公钥；所述数字资产生产单元具体用于：在保存银行服务平台返回的上游企业签名及其公钥后，根据所述交易额生产所有者为所述上游企业的数字资产。
可选的，所述交易确认单元具体用于：在收到保理企业设备发送的就一项交易的应收账款与供应链的上游企业达成保理协议的通知后，分别与所述上游企业设备和供应链的下游企业设备确认所述交易及其交易额。
可选的，所述交易由担保企业对到期付款提供担保。
可选的，所述装置还包括：交易款项清分单元，用于在收到对所述交易的足额支付款项后，向具有所述交易的标识信息的数字资产的每个持有者支付与其持有的具有所述交易的标识信息的数字资产等值的款项。
图12所示为本说明书实施例提供的一种数字资产发行装置，应用于供应链的上游企业设备，所述装置包括上游交易确认单元和发行结果接收单元，其中：上游交易确认单元用于与信用流转平台确认与供应链下游企业之间的一项交易以及所述交易的交易额；发行结果接收单元用于接收信用流转平台发送的数字资产发行结果的通知；所述数字资产的所有者为所述上游企业，携带有所述交易的标识信息，由信用流转平台根据所述交易额生产并由信用区块链就所述数字资产的发行达成共识。
可选的，所述装置还包括：交易确认签名执行单元，用于对银行服务平台提供的所述交易的标识信息和交易额以银行发行的数字证书UKey进行签名确认。
可选的，所述交易由保理企业就所述下游企业的应收账款提供保理服务；所述交易由担保企业对到期付款提供担保。
图13所示为本说明书实施例提供的一种数字资产转让装置，应用于信用流转平台，所述装置包括出让请求接收单元、资产出让提交单元、受让请求接收单元和资产受让提交单元，其中：出让请求接收单元用于接收出让方设备发送的数字资产出让请求，所述数字资产由信用流转平台根据供应链企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；资产出让提交单元用于将所述数字资产的出让提交至信用区块链，在信用区块链就所述数字资产的出让达成共识后，向所述数字资产的受让方设备发送数字资产转入通知；受让请求接收单元用于接收受让方设备发送的数字资产受让请求；资产受让提交单元用于将所述数字资产的受让提交至信用区块链，在信用区块链就所述数字资产的受让达成共识后，分别向所述数字资产的出让方设备和受让方设备发送所述数字资产转让成功的通知。
可选的，所述装置还包括：出让确认签名接收单元和受让确认签名接收单元，其中：出让确认签名接收单元用于在收到所述数字资产出让请求后，向银行服务平台发送资产出让同步请求；所述资产出让同步请求中包括出让的数字资产、受让方和出让方，供银行服务平台将出让的数字资产和受让方提供给出让方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的出让方签名和出让方签名的公钥；受让 确认签名接收单元用于在收到所述数字资产受让请求后，向银行服务平台发送资产受让同步请求；所述资产受让同步请求中包括受让的数字资产、出让方和受让方，供银行服务平台将受让的数字资产和出让方提供给受让方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的受让方签名和受让方签名的公钥；所述资产出让提交单元将数字资产的出让提交至信用区块链，包括：在保存银行服务平台返回的出让方签名及其公钥后，将数字资产的出让提交至信用区块链；所述资产受让提交单元将数字资产的受让提交至信用区块链，包括：在保存银行服务平台返回的受让方签名及其公钥后，将数字资产的受让提交至信用区块链。
可选的，所述出让方为供应链的下游企业，所述受让方为供应链的上游企业。
图14所示为本说明书实施例提供的一种数字资产转让装置，应用于出让方设备，所述装置包括出让请求发送单元和转让结果接收单元，其中：出让请求发送单元用于向信用流转平台发送数字资产出让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；转让结果接收单元用于接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
可选的，所述装置还包括：出让确认签名执行单元，用于对银行服务平台提供的出让的数字资产和受让方以银行发行的数字证书UKey进行签名确认。
可选的，所述受让方为所述出让方在供应链中的上游企业。
图15所示为本说明书实施例提供的一种数字资产转让装置，应用于受让方设备，所述装置包括受让请求发送单元和转让结果接收单元，其中：受让请求发送单元用于在收到信用流转平台发送的数字资产转入通知后，向信用流转平台发送数字资产受让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；转让结果接收单元用于接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
可选的，所述装置还包括：受让确认签名执行单元，用于对银行服务平台提供的受让的数字资产和出让方以银行发行的数字证书UKey进行签名确认。
可选的，所述数字资产的出让方为所述受让方在供应链中的下游企业。
图16所示为本说明书实施例提供的一种在线融资的实现装置，应用于信用流转平台，所述装置包括融资请求接收单元和所有权转移提交单元，其中：融资请求接收单元用于接收融资方设备发送的数字资产融资请求；所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；所有权转移提交单元用于将所述数字资产从融资方到出资方的所有权转移提交至信用区块链，在信用区块链就所述数字资产的所有权转移达成共识后，向出资方设备发送放款请求；所述放款请求中包括用于融资的数字资产和融资方。
可选的，所述出资方设备包括：银行服务平台；所述装置还包括资产冻结提交单元和融资确认签名接收单元，其中：资产冻结提交单元用于在收到所述融资请求后，将对所述数字资产的冻结提交至信用区块链；融资确认签名接收单元用于在信用区块链就所述数字资产的冻结达成共识后，向银行服务平台发送资产融资同步请求；所述资产融资同步请求中包括用于融资的数字资产和融资方，供银行服务平台将用于融资的数字资产提供给融资方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的融资方签名和融资方签名的公钥；所述所有权转移提交单元将数字资产从融资方到出资方的所有权转移提交至信用区块链，包括：在保存银行服务平台返回的融资方签名及其公钥后，将所述数字资产从融资方到出资方的所有权转移提交至信用区块链。
图17所示为本说明书实施例提供的一种在线融资的实现装置，应用于出资方设备，所述装置包括放款请求接收单元和放款及放款通知发送单元，其中：放款请求接收单元用于接收信用流转平台发送的放款请求，所述放款请求中包括用于融资的数字资产和融资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；放款通知发送单元用于在向信用区块链查询到所述数字资产的所有权已转移至己方后，放款给融资方并向融资方设备发送放款通知。
可选的，所述出资方设备包括：银行服务平台；所述装置还包括融资确认签名提供单元，用于接收信用流转平台的资产融资同步请求，所述资产融资同步请求中包括用于融资的数字资产和融资方；将用于融资的数字资产提供给融资方设备，接收融资方设备返回的以银行发行的数字证书UKey进行的签名；向信用流转平台返回的融资方签名和融资方签名的公钥。
图18所示为本说明书实施例提供的一种在线融资的实现装置，应用于融资方设备，所述装置包括融资请求发送单元和放款通知接收单元，其中：融资请求发送单元用于向 信用流转平台发送数字资产融资请求，所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；放款通知接收单元用于接收出资方设备返回的放款通知，所述放款通知由出资方设备在向信用区块链确认所述数字资产的所有权已由融资方转移至出资方后发送，所述数字资产的所有权转移由信用流转平台提交至信用区块链。
可选的，所述出资方包括：银行；所述装置还包括融资确认签名执行单元，用于对银行服务平台提供的用于融资的数字资产以银行发行的数字证书UKey进行签名确认。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于信用流转平台的数字资产发行方法的各个步骤。对应用于信用流转平台的数字资产发行方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于供应链的上游企业设备的数字资产发行方法的各个步骤。对应用于供应链的上游企业设备的数字资产发行方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于信用流转平台的数字资产转让方法的各个步骤。对应用于信用流转平台的数字资产转让方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于出让方设备的数字资产转让方法的各个步骤。对应用于出让方设备的数字资产转让方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程 序时，执行本说明书实施例中应用于受让方设备的数字资产转让方法的各个步骤。对应用于受让方设备的数字资产转让方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于信用流转平台的在线融资的实现方法的各个步骤。对应用于信用流转平台的在线融资的实现方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于出资方设备的在线融资的实现方法的各个步骤。对应用于出资方设备的在线融资的实现方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于融资方设备的在线融资的实现方法的各个步骤。对应用于融资方设备的在线融资的实现方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于信用流转平台的数字资产发行方法的各个步骤。对应用于信用流转平台的数字资产发行方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于供应链的上游企业设备的数字资产发行方法的各个步骤。对应用于供应链的上游企业设备的数字资产发行方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于信用流转平台的数字资产转让方法的各个步骤。对应用于信用流转平台的数字资产转让方法的各个步 骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于出让方设备的数字资产转让方法的各个步骤。对应用于出让方设备的数字资产转让方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于受让方设备的数字资产转让方法的各个步骤。对应用于受让方设备的数字资产转让方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于信用流转平台的在线融资的实现方法的各个步骤。对应用于信用流转平台的在线融资的实现方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于出资方设备的在线融资的实现方法的各个步骤。对应用于出资方设备的在线融资的实现方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于融资方设备的在线融资的实现方法的各个步骤。对应用于融资方设备的在线融资的实现方法的各个步骤的详细描述请参见之前的内容，不再重复。
以上所述仅为本说明书的较佳实施例而已，并不用以限制本申请，凡在本申请的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本申请保护的范围之内。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产品。因此，本说明书的实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书的实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。

Claims (62)

  1. 一种数字资产发行方法，应用于信用流转平台，所述方法包括：
    分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额；所述交易在上游企业与下游企业之间进行；
    根据所述交易额生产所有者为所述上游企业的数字资产；所述数字资产携带有所述交易的标识信息；
    将所述数字资产的发行提交至信用区块链；在信用区块链就所述数字资产的发行达成共识后，向所述上游企业设备发送数字资产发行成功的通知。
  2. 根据权利要求1所述的方法，所述方法还包括：在确认所述交易及其交易额后，向银行服务平台发送资产发行同步请求；所述资产发行同步请求中包括所述交易的标识信息、交易额、上游企业和下游企业，供银行服务平台将所述交易的标识信息和交易额提供给上游企业设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的上游企业签名以及所述签名的公钥；
    所述根据交易额生产所有者为所述上游企业的数字资产，包括：在保存银行服务平台返回的上游企业签名及其公钥后，根据所述交易额生产所有者为所述上游企业的数字资产。
  3. 根据权利要求1所述的方法，所述分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额，包括：在收到保理企业设备发送的就一项交易的应收账款与供应链的上游企业达成保理协议的通知后，分别与所述上游企业设备和供应链的下游企业设备确认所述交易及其交易额。
  4. 根据权利要求1所述的方法，所述交易由担保企业对到期付款提供担保。
  5. 根据权利要求1所述的方法，所述方法还包括：在收到对所述交易的足额支付款项后，向具有所述交易的标识信息的数字资产的每个持有者支付与其持有的具有所述交易的标识信息的数字资产等值的款项。
  6. 一种数字资产发行方法，应用于供应链的上游企业设备，所述方法包括：
    与信用流转平台确认与供应链下游企业之间的一项交易以及所述交易的交易额；
    接收信用流转平台发送的数字资产发行结果的通知；所述数字资产的所有者为所述上游企业，携带有所述交易的标识信息，由信用流转平台根据所述交易额生产并由信用区块链就所述数字资产的发行达成共识。
  7. 根据权利要求6所述的方法，所述方法还包括：对银行服务平台提供的所述交易的标识信息和交易额以银行发行的数字证书UKey进行签名确认。
  8. 根据权利要求6所述的方法，所述交易由保理企业就所述下游企业的应收账款提供保理服务；所述交易由担保企业对到期付款提供担保。
  9. 一种数字资产转让方法，应用于信用流转平台，所述方法包括：
    接收出让方设备发送的数字资产出让请求，所述数字资产由信用流转平台根据供应链企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
    将所述数字资产的出让提交至信用区块链，在信用区块链就所述数字资产的出让达成共识后，向所述数字资产的受让方设备发送数字资产转入通知；
    接收受让方设备发送的数字资产受让请求；
    将所述数字资产的受让提交至信用区块链，在信用区块链就所述数字资产的受让达成共识后，分别向所述数字资产的出让方设备和受让方设备发送所述数字资产转让成功的通知。
  10. 根据权利要求9所述的方法，所述方法还包括：在收到所述数字资产出让请求后，向银行服务平台发送资产出让同步请求；所述资产出让同步请求中包括出让的数字资产、受让方和出让方，供银行服务平台将出让的数字资产和受让方提供给出让方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的出让方签名和出让方签名的公钥；
    在收到所述数字资产受让请求后，向银行服务平台发送资产受让同步请求；所述资产受让同步请求中包括受让的数字资产、出让方和受让方，供银行服务平台将受让的数字资产和出让方提供给受让方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的受让方签名和受让方签名的公钥；
    所述将数字资产的出让提交至信用区块链，包括：在保存银行服务平台返回的出让方签名及其公钥后，将数字资产的出让提交至信用区块链；
    所述将数字资产的受让提交至信用区块链，包括：在保存银行服务平台返回的受让方签名及其公钥后，将数字资产的受让提交至信用区块链。
  11. 根据权利要求9所述的方法，所述出让方为供应链的下游企业，所述受让方为供应链的上游企业。
  12. 一种数字资产转让方法，应用于出让方设备，所述方法包括：
    向信用流转平台发送数字资产出让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
    接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
  13. 根据权利要求12所述的方法，所述方法还包括：对银行服务平台提供的出让的数字资产和受让方以银行发行的数字证书UKey进行签名确认。
  14. 根据权利要求12所述的方法，所述受让方为所述出让方在供应链中的上游企业。
  15. 一种数字资产转让方法，应用于受让方设备，所述方法包括：
    在收到信用流转平台发送的数字资产转入通知后，向信用流转平台发送数字资产受让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
  16. 根据权利要求15所述的方法，所述方法还包括：对银行服务平台提供的受让的数字资产和出让方以银行发行的数字证书UKey进行签名确认。
  17. 根据权利要求15所述的方法，所述数字资产的出让方为所述受让方在供应链中的下游企业。
  18. 一种在线融资的实现方法，应用于信用流转平台，所述方法包括：
    接收融资方设备发送的数字资产融资请求；所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    将所述数字资产从融资方到出资方的所有权转移提交至信用区块链，在信用区块链就所述数字资产的所有权转移达成共识后，向出资方设备发送放款请求；所述放款请求中包括用于融资的数字资产和融资方。
  19. 根据权利要求18所述的方法，所述出资方设备包括：银行服务平台；
    所述方法还包括：
    在收到所述融资请求后，将对所述数字资产的冻结提交至信用区块链；
    在信用区块链就所述数字资产的冻结达成共识后，向银行服务平台发送资产融资同步请求；所述资产融资同步请求中包括用于融资的数字资产和融资方，供银行服务平台将用于融资的数字资产提供给融资方设备以银行发行的数字证书UKey进行签名确认； 接收银行服务平台返回的融资方签名和融资方签名的公钥；
    所述将数字资产从融资方到出资方的所有权转移提交至信用区块链，包括：在保存银行服务平台返回的融资方签名及其公钥后，将所述数字资产从融资方到出资方的所有权转移提交至信用区块链。
  20. 一种在线融资的实现方法，应用于出资方设备，所述方法包括：
    接收信用流转平台发送的放款请求，所述放款请求中包括用于融资的数字资产和融资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    在向信用区块链查询到所述数字资产的所有权已转移至己方后，放款给融资方并向融资方设备发送放款通知。
  21. 根据权利要求20所述的方法，所述出资方设备包括：银行服务平台；
    所述方法还包括：接收信用流转平台的资产融资同步请求，所述资产融资同步请求中包括用于融资的数字资产和融资方；将用于融资的数字资产提供给融资方设备，接收融资方设备返回的以银行发行的数字证书UKey进行的签名；向信用流转平台返回的融资方签名和融资方签名的公钥。
  22. 一种在线融资的实现方法，应用于融资方设备，所述方法包括：
    向信用流转平台发送数字资产融资请求，所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    接收出资方设备返回的放款通知，所述放款通知由出资方设备在向信用区块链确认所述数字资产的所有权已由融资方转移至出资方后发送，所述数字资产的所有权转移由信用流转平台提交至信用区块链。
  23. 根据权利要求22所述的方法，所述出资方包括：银行；
    所述方法还包括：对银行服务平台提供的用于融资的数字资产以银行发行的数字证书UKey进行签名确认。
  24. 一种数字资产发行装置，应用于信用流转平台，所述装置包括：
    平台交易确认单元，用于分别与供应链的上游企业设备和下游企业设备确认一项交易以及所述交易的交易额；所述交易在上游企业与下游企业之间进行；
    数字资产生产单元，用于根据所述交易额生产所有者为所述上游企业的数字资产；所述数字资产携带有所述交易的标识信息；
    发行提交单元，用于将所述数字资产的发行提交至信用区块链；在信用区块链就所 述数字资产的发行达成共识后，向所述上游企业设备发送数字资产发行成功的通知。
  25. 根据权利要求24所述的装置，所述装置还包括：交易确认签名接收单元，用于在确认所述交易及其交易额后，向银行服务平台发送资产发行同步请求；所述资产发行同步请求中包括所述交易的标识信息、交易额、上游企业和下游企业，供银行服务平台将所述交易的标识信息和交易额提供给上游企业设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的上游企业签名以及所述签名的公钥；
    所述数字资产生产单元具体用于：在保存银行服务平台返回的上游企业签名及其公钥后，根据所述交易额生产所有者为所述上游企业的数字资产。
  26. 根据权利要求24所述的装置，所述交易确认单元具体用于：在收到保理企业设备发送的就一项交易的应收账款与供应链的上游企业达成保理协议的通知后，分别与所述上游企业设备和供应链的下游企业设备确认所述交易及其交易额。
  27. 根据权利要求24所述的装置，所述交易由担保企业对到期付款提供担保。
  28. 根据权利要求24所述的装置，所述装置还包括：交易款项清分单元，用于在收到对所述交易的足额支付款项后，向具有所述交易的标识信息的数字资产的每个持有者支付与其持有的具有所述交易的标识信息的数字资产等值的款项。
  29. 一种数字资产发行装置，应用于供应链的上游企业设备，所述装置包括：
    上游交易确认单元，用于与信用流转平台确认与供应链下游企业之间的一项交易以及所述交易的交易额；
    发行结果接收单元，用于接收信用流转平台发送的数字资产发行结果的通知；所述数字资产的所有者为所述上游企业，携带有所述交易的标识信息，由信用流转平台根据所述交易额生产并由信用区块链就所述数字资产的发行达成共识。
  30. 根据权利要求29所述的装置，所述装置还包括：交易确认签名执行单元，用于对银行服务平台提供的所述交易的标识信息和交易额以银行发行的数字证书UKey进行签名确认。
  31. 根据权利要求29所述的装置，所述交易由保理企业就所述下游企业的应收账款提供保理服务；所述交易由担保企业对到期付款提供担保。
  32. 一种数字资产转让装置，应用于信用流转平台，所述装置包括：
    出让请求接收单元，用于接收出让方设备发送的数字资产出让请求，所述数字资产由信用流转平台根据供应链企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
    资产出让提交单元，用于将所述数字资产的出让提交至信用区块链，在信用区块链 就所述数字资产的出让达成共识后，向所述数字资产的受让方设备发送数字资产转入通知；
    受让请求接收单元，用于接收受让方设备发送的数字资产受让请求；
    资产受让提交单元，用于将所述数字资产的受让提交至信用区块链，在信用区块链就所述数字资产的受让达成共识后，分别向所述数字资产的出让方设备和受让方设备发送所述数字资产转让成功的通知。
  33. 根据权利要求32所述的装置，所述装置还包括：出让确认签名接收单元，用于在收到所述数字资产出让请求后，向银行服务平台发送资产出让同步请求；所述资产出让同步请求中包括出让的数字资产、受让方和出让方，供银行服务平台将出让的数字资产和受让方提供给出让方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的出让方签名和出让方签名的公钥；
    受让确认签名接收单元，用于在收到所述数字资产受让请求后，向银行服务平台发送资产受让同步请求；所述资产受让同步请求中包括受让的数字资产、出让方和受让方，供银行服务平台将受让的数字资产和出让方提供给受让方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的受让方签名和受让方签名的公钥；
    所述资产出让提交单元将数字资产的出让提交至信用区块链，包括：在保存银行服务平台返回的出让方签名及其公钥后，将数字资产的出让提交至信用区块链；
    所述资产受让提交单元将数字资产的受让提交至信用区块链，包括：在保存银行服务平台返回的受让方签名及其公钥后，将数字资产的受让提交至信用区块链。
  34. 根据权利要求32所述的装置，所述出让方为供应链的下游企业，所述受让方为供应链的上游企业。
  35. 一种数字资产转让装置，应用于出让方设备，所述装置包括：
    出让请求发送单元，用于向信用流转平台发送数字资产出让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；所述出让请求中包括数字资产的受让方；
    转让结果接收单元，用于接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
  36. 根据权利要求35所述的装置，所述装置还包括：出让确认签名执行单元，用于对银行服务平台提供的出让的数字资产和受让方以银行发行的数字证书UKey进行签名确认。
  37. 根据权利要求35所述的装置，所述受让方为所述出让方在供应链中的上游企业。
  38. 一种数字资产转让装置，应用于受让方设备，所述装置包括：
    受让请求发送单元，用于在收到信用流转平台发送的数字资产转入通知后，向信用流转平台发送数字资产受让请求；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    转让结果接收单元，用于接收信用流转平台返回的所述数字资产转让结果的通知；所述数字资产转让结果由信用流转平台分别将数字资产的出让和受让提交至信用区块链后，根据信用区块链是否达成共识确定。
  39. 根据权利要求38所述的装置，所述装置还包括：受让确认签名执行单元，用于对银行服务平台提供的受让的数字资产和出让方以银行发行的数字证书UKey进行签名确认。
  40. 根据权利要求38所述的装置，所述数字资产的出让方为所述受让方在供应链中的下游企业。
  41. 一种在线融资的实现装置，应用于信用流转平台，所述装置包括：
    融资请求接收单元，用于接收融资方设备发送的数字资产融资请求；所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    所有权转移提交单元，用于将所述数字资产从融资方到出资方的所有权转移提交至信用区块链，在信用区块链就所述数字资产的所有权转移达成共识后，向出资方设备发送放款请求；所述放款请求中包括用于融资的数字资产和融资方。
  42. 根据权利要求41所述的装置，所述出资方设备包括：银行服务平台；
    所述装置还包括：
    资产冻结提交单元，用于在收到所述融资请求后，将对所述数字资产的冻结提交至信用区块链；
    融资确认签名接收单元，用于在信用区块链就所述数字资产的冻结达成共识后，向银行服务平台发送资产融资同步请求；所述资产融资同步请求中包括用于融资的数字资产和融资方，供银行服务平台将用于融资的数字资产提供给融资方设备以银行发行的数字证书UKey进行签名确认；接收银行服务平台返回的融资方签名和融资方签名的公钥；
    所述所有权转移提交单元将数字资产从融资方到出资方的所有权转移提交至信用区块链，包括：在保存银行服务平台返回的融资方签名及其公钥后，将所述数字资产从 融资方到出资方的所有权转移提交至信用区块链。
  43. 一种在线融资的实现装置，应用于出资方设备，所述装置包括：
    放款请求接收单元，用于接收信用流转平台发送的放款请求，所述放款请求中包括用于融资的数字资产和融资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    放款及放款通知发送单元，用于在向信用区块链查询到所述数字资产的所有权已转移至己方后，放款给融资方并向融资方设备发送放款通知。
  44. 根据权利要求43所述的装置，所述出资方设备包括：银行服务平台；
    所述装置还包括：融资确认签名提供单元，用于接收信用流转平台的资产融资同步请求，所述资产融资同步请求中包括用于融资的数字资产和融资方；将用于融资的数字资产提供给融资方设备，接收融资方设备返回的以银行发行的数字证书UKey进行的签名；向信用流转平台返回的融资方签名和融资方签名的公钥。
  45. 一种在线融资的实现装置，应用于融资方设备，所述装置包括：
    融资请求发送单元，用于向信用流转平台发送数字资产融资请求，所述数字资产融资请求中包括用于融资的数字资产和出资方；所述数字资产由信用流转平台根据供应链上下游企业之间的交易发行，携带有所述交易的标识信息；
    放款通知接收单元，用于接收出资方设备返回的放款通知，所述放款通知由出资方设备在向信用区块链确认所述数字资产的所有权已由融资方转移至出资方后发送，所述数字资产的所有权转移由信用流转平台提交至信用区块链。
  46. 根据权利要求45所述的装置，所述出资方包括：银行；
    所述装置还包括：融资确认签名执行单元，用于对银行服务平台提供的用于融资的数字资产以银行发行的数字证书UKey进行签名确认。
  47. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求1到5任意一项所述的步骤。
  48. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求6到8任意一项所述的步骤。
  49. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求9到11任意一项所述的步骤。
  50. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求12到14任意一项所述的步骤。
  51. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求15到17任意一项所述的步骤。
  52. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求18到19任意一项所述的步骤。
  53. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求20到21任意一项所述的步骤。
  54. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求22到23任意一项所述的步骤。
  55. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求1到5任意一项所述的步骤。
  56. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求6到8任意一项所述的步骤。
  57. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求9到11任意一项所述的步骤。
  58. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求12到14任意一项所述的步骤。
  59. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求15到17任意一项所述的步骤。
  60. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求18到19任意一项所述的步骤。
  61. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求20到21任意一项所述的步骤。
  62. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求22到23任意一项所述的步骤。
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