WO2020259308A1

WO2020259308A1 - Method and device for employing blockchain system to turn over asset

Info

Publication number: WO2020259308A1
Application number: PCT/CN2020/095656
Authority: WO
Inventors: 张文芳; 江旻; 杨杨; 徐为恺
Original assignee: 深圳前海微众银行股份有限公司
Priority date: 2019-06-28
Filing date: 2020-06-11
Publication date: 2020-12-30
Also published as: CN110288481A

Abstract

A method and device for employing blockchain system to turn over asset, applicable to a first blockchain system comprising multiple factoring nodes. The method comprises: a first factoring node receiving a first order (201), wherein the first order is used to indicate that a first blockchain system turns over a first asset of a first enterprise to a second enterprise, and the first asset is a virtual asset generated by the first blockchain system for the first enterprise according to a second order initiated by a third enterprise; after it is determined that the third enterprise is not a factoring enterprise of the first factoring node, the first factoring node acquiring, from the second factoring node, a read authority of factoring information for the second order (202); the first factoring node locally acquiring the factoring information for the second order according to the read authority (203); and the first factoring node performing factoring verification on the first order according to at least the factoring information of the second order such that the first blockchain system completes the first order after the verification is successful (204). The method implements credit penetration of a core enterprise, and improves the liquidity of assets in a supply chain.

Description

Method and device for asset circulation based on blockchain system

Cross references to related applications

This application claims the priority of a Chinese patent application filed with the Chinese Patent Office on June 28, 2019, the application number is 201910580560.1, and the application name is "a method and device for asset circulation based on a blockchain system", and its entire contents Incorporated in this application by reference.

Technical field

The embodiments of the present invention relate to the field of financial technology (Fintech), and in particular, to a method and device for asset circulation based on a block chain (BlockChain) system.

Background technique

With the development of computer technology, more and more technologies are applied in the financial field. The traditional financial industry is gradually transforming to Finteh. The asset transfer technology in the supply chain is no exception, but due to the security of the financial and payment industries The requirements of performance and real-time are also higher requirements for this technology.

The existing online supply chain financial service model is: taking the third-party supply chain financial service platform or the financial institution’s own platform as the entrance, and the financial institution is based on the credit granted by core enterprises with better qualifications, and based on the online transaction information of customers, Commodity logistics information and customer due diligence information and other comprehensive information are used as the background to provide penetrating integrated financial services (accounts payable financing, prepayment financing, inventory financing, etc.) for upstream and downstream enterprises in the supply chain, so as to activate the supply chain The effect of reducing the financing cost of enterprises.

However, in the existing supply chain financial services, as the supply chain goes from raw materials to manufacturers at all levels, and then to distributors and retailers at all levels, the scale and geographic location of the company are large, and it is difficult to rely on a single financial institution alone. Provide comprehensive and full supply chain financial services. Enterprises at all levels in the supply chain need to apply for financial services across financial institutions. Under this circumstance, financial institutions cannot fully trust transaction information at all levels, and the problem of difficulty in core enterprise credit penetration will arise.

Summary of the invention

The embodiment of the present invention provides a method and device for asset circulation based on a blockchain system to realize the credit penetration of core enterprises and improve the liquidity of assets in the supply chain.

The embodiment of the present invention provides a method for asset circulation based on a blockchain system, which is applicable to a first blockchain system including multiple factoring nodes; the method includes:

The first factoring node receives the first order; the first order is used to instruct the first blockchain system to transfer the first asset of the first enterprise to the second enterprise; the first asset is the first The blockchain system is a virtual asset generated by the first enterprise according to a second order initiated by a third enterprise; the first factoring node is a node in the first blockchain system;

After determining that the third company is not a factoring company of the first factoring node, the first factoring node obtains the reading authority for the factoring information of the second order from the second factoring node; The third enterprise is a factoring enterprise of the second factoring node; the factoring information of the second order is information used in the process of factoring the second order by the second factoring node; The second factoring node is a node in the first blockchain system;

The first factoring node obtains the factoring information for the second order locally according to the read permission;

The first factoring node performs factoring verification on the first order at least according to the factoring information of the second order so that the first blockchain system can complete the first order after the verification is passed.

In the above technical solution, the first blockchain system includes a first factoring node and a second factoring node. After receiving the first order, the first factoring node verifies the first order and needs to obtain the first asset The historical information generated by is equivalent to obtaining the factoring information of the second order, which was initiated by a third company, and the first factoring node judges whether the third company is a factoring company of the first factoring node, If not, it means that the first factoring node does not have the authority to view the factoring information about the second order, and it needs to obtain the authority from the second factoring node, and read the guarantee of the second order locally according to the obtained authority. In this technical solution, the factoring information of the first order and the factoring information of the second order are both agreed by the blockchain system, which can realize the authenticity and reliability of the factoring information. Further, if the first factoring node Without the factoring authority of the third company, the read authority can be obtained from the second factoring node, and then the factoring information of the second order can be read, that is, it is read that the third company generates the first asset for the first company History generates information. Here, the third enterprise is the core enterprise. Through this method, the credit penetration of the core enterprise is realized and the liquidity of assets in the supply chain is improved.

Optionally, before the first factoring node receives the first order, the method further includes:

The node in the first blockchain system receives the first order sent by the first enterprise; after the node in the first blockchain system determines that the first asset is valid through locally stored asset information , Determine the first factoring node corresponding to the second enterprise; the locally stored asset information is synchronously obtained by each node when the first blockchain system generates each asset.

In the above technical solution, each asset information is recorded in the first blockchain system. After receiving the first order, the first blockchain system will first determine whether the first asset is valid. If it is valid, it will The order matches the corresponding factoring node. Due to the use of the blockchain system, after the first asset is generated, each node undergoes asset synchronization and consensus to ensure that each node records the asset information and the generated asset is true and reliable.

Optionally, the first blockchain system further includes a credit node corresponding to the factoring node;

Before the first factoring node receives the first order, the method further includes:

The second factoring node receives the second order;

The second factoring node performs factoring verification on the second order after the crediting node corresponding to the second factoring node completes the crediting of the second order, so that the first blockchain system is After the verification is passed, the second order is completed.

In the above technical solution, the second factoring node receives the second order, and calls the corresponding credit granting node to perform credit verification on the second order, and if the credit verification is passed, the factoring verification will be performed. The credit verification is used to verify whether the third company has the ability to repay, that is, to ensure that the third company can repay the same amount of actual assets when the second factoring node generates the first asset.

Optionally, that the first factoring node performs factoring verification on the first order includes:

Acquiring, by the first factoring node, the historical transaction status of the first company and the historical transaction status of the second company;

The first factoring node performs factoring verification on the first order at least according to the historical transaction situation of the first company, the historical transaction situation of the second company, and the factoring information of the second order.

In the above technical solution, when the first factoring node performs factoring verification on the first order, it can determine whether the first company and the second company exist in the historical capital flow process based on the historical transaction situation of the first company and the second company Fake trade or other integrity issues to ensure the safety of the first order in the execution process; factoring verification of the first order based on the factoring information of the second order is equivalent to verifying the historical generation information of the first asset. Realize the credit penetration of core enterprises.

Optionally, the first blockchain system further includes a supervisory node; the method further includes:

The first factoring node obtains the repeated transaction status of the first order through the supervision node;

The first factoring node performing factoring verification on the first order includes:

The first factoring node is at least based on the historical transaction situation of the first company, the historical transaction situation of the second company, the repeated transaction situation of the first order, and the factoring information of the second order. The first order is subjected to factoring verification.

In the above technical solution, the first blockchain system also includes a supervisory node. The supervisory node can obtain all the data in the first blockchain system and provide transaction repeatability check services for other blockchain system nodes, which is equivalent to When the first factoring node performs factoring verification on the first order, it can also perform repeated transaction verification on the first order through the supervisory node to ensure the safety of the first order in the execution process.

Optional, also includes:

The first factoring node obtains the logistics information of the first order from the logistics blockchain system; and/or

The first factoring node obtains the tax information of the first order from a tax blockchain system;

The first factoring node is based at least on the historical transaction status of the first company, the historical transaction status of the second company, the repeated transaction status of the first order, the factoring information of the second order, and the The logistics information of the first order and/or the tax information of the first order are used to perform factoring verification on the first order.

In the above technical solution, the first factoring node can also obtain the logistics information of the first order and/or the tax information of the first order, so as to perform authenticity verification on the first order and ensure the authenticity of the first order. In this technical solution, the first factoring node performs comprehensive verification on the first order, including verifying the historical transaction conditions of both parties to the first order, such as whether there is a false trade, judging whether the first order is a duplicate order, and verifying the first order. The historical generated information of an asset is comprehensively verified to determine whether the first order passes the factoring verification, to ensure the safety of the execution of the first order, and to reduce the risks in the factoring process.

Optionally, the completion of the first order by the first blockchain system after the verification is passed includes:

If the node of the first blockchain system determines that the first company transfers the first asset part to the second company, it generates a second asset and a third asset, and the second asset is owned by the company. The virtual asset held by the first enterprise, the third asset is a virtual asset held by the second enterprise, and the sum of the second asset and the third asset is the first asset;

The node of the first blockchain system synchronizes the second asset to the first enterprise, and synchronizes the third asset to the second enterprise.

In the above technical solution, if the first company transfers the first asset part to the second company, the first asset is divided into the second asset and the third asset, that is, the first company and the third asset are generated in the first blockchain system. The virtual assets of the second company are synchronized to the first company and the second company respectively for subsequent asset transfers of the first company and the second company. In this way, the current assets in the supply chain are revitalized and the financing costs of enterprises are reduced.

Optionally, before generating the second asset and the third asset, the node of the first blockchain system further includes:

The node of the first blockchain system unlocks the first asset;

Before the node of the first blockchain system synchronizes the second asset to the first enterprise, and before synchronizing the third asset to the second enterprise, the method further includes:

The node of the first blockchain system locks the second asset and the third asset in the first blockchain system.

In the above technical solution, before generating the second asset and the third asset, the node of the first blockchain system will unlock the first asset, and synchronize the second asset and third asset to the first enterprise and the second asset. Before the enterprise, the second asset and the third asset are locked, which is equivalent to unlocking the asset only when the asset transfer is performed in the first blockchain system, ensuring the orderliness of asset transfer in the first blockchain system. Further protect asset safety.

Optionally, the first company, the second company, and the third company are all nodes of the second blockchain system.

In the above technical solution, the first company, the second company, and the third company are all nodes in the second blockchain system. The second blockchain system is the supply chain blockchain system. The implementation of synchronized consensus on various information can guarantee the authenticity and reliability of information in the supply chain.

Correspondingly, an embodiment of the present invention also provides a system for asset circulation based on a blockchain system, including:

The first blockchain system and the second blockchain system; the first blockchain system includes at least a first factoring node and a second factoring node; the second blockchain system includes at least a first enterprise, The second company and the third company; the first company and the second company are the factoring companies of the first factoring node; the first company and the third company are the factoring companies of the second factoring node enterprise;

The second factoring node is configured to receive a second order sent by the third enterprise, and after the crediting node corresponding to the second factoring node completes the crediting of the second order, the second order is processed Factoring verification so that the first blockchain system completes the second order after verification is passed;

The first factoring node is configured to receive the first order sent by the first enterprise, obtain from the second factoring node the read permission for the factoring information of the second order, and obtain it locally according to the read permission For the factoring information of the second order, factoring verification is performed on the first order so that the first blockchain system can complete the first order after the verification is passed.

Correspondingly, an embodiment of the present invention also provides a computing device, including:

Memory, used to store program instructions;

The processor is configured to call the program instructions stored in the memory, and execute the above-mentioned method of asset circulation based on the blockchain system according to the obtained program.

Correspondingly, an embodiment of the present invention also provides a computer-readable non-volatile storage medium, including computer-readable instructions. When the computer reads and executes the computer-readable instructions, the computer executes the above-mentioned blockchain-based The method of system asset transfer.

Description of the drawings

In order to more clearly describe the technical solutions in the embodiments of the present invention, the following will briefly introduce the drawings needed in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, without creative work, other drawings can be obtained from these drawings.

Figure 1a is a schematic diagram of a system architecture provided by an embodiment of the present invention;

Figure 1b is a schematic diagram of another system architecture provided by an embodiment of the present invention;

2 is a schematic flowchart of a method for asset circulation provided by an embodiment of the present invention;

FIG. 3 is a specific method for verifying the first order according to an embodiment of the present invention;

4 is a schematic flowchart of a method for asset circulation provided by an embodiment of the present invention;

5 is a schematic flowchart of a method for generating assets according to an embodiment of the present invention;

Fig. 6 is a schematic structural diagram of a computer device provided by an embodiment of the present invention.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

Figure 1a exemplarily shows a system architecture applicable to a method for asset circulation based on a blockchain system provided by an embodiment of the present invention. The system architecture may include a first blockchain system, a second blockchain system, and a tax district. Block chain system and logistics block chain system. Among them, the first block chain system is the financial service block chain system, the second block chain system is the supply chain block chain system, and the first block chain system is used to 2. The upstream and downstream enterprises in the blockchain system provide penetrating comprehensive financial services, such as accounts payable financing, advance payment financing, inventory financing, etc.

As shown in Figure 1b, it is a specific asset transfer system provided by an embodiment of the present invention. The asset transfer system includes an application layer and a blockchain system layer. The application layer includes an enterprise ERP, a supply chain service platform-to-client, and supply Chain financial service platform—financial institution side. This application layer provides an application platform for on-chain enterprise supply chain management and financial business. Among them, the supply chain financial service platform—financial institution side is based on due diligence institutions, credit institutions, factoring service providers, The role classification of the funding institution realizes authority control. The blockchain system layer includes: the supply chain blockchain system for the client, the supply chain financial service blockchain system for financial institutions and other independent blockchain systems, which is equivalent to the blockchain system layer including the supply chain blockchain System, supply chain financial services blockchain system, taxation blockchain system and logistics blockchain system. Each chain completes business logic through pre-designed smart contracts, and achieves data consistency across the entire chain through a PoA consensus mechanism. The nodes that provide services in the supply chain financial services blockchain system can assume one or more of the roles of credit granting, factoring, capital contribution, and due diligence. The supply chain financial services blockchain system can include due diligence points, credit nodes, Factoring nodes, funding nodes, and supervisory nodes. Each node has the authority to view transactions related to this node. The supervisory node can see all data in the entire chain, and provides transaction duplication check services for other nodes, but has no authority to participate in consensus . Through cross-chain interaction with the logistics blockchain system and other related chains, it can assist in verifying the authenticity of the relevant trade background. Among them, the logistics blockchain system can include core enterprise nodes, supplier nodes, and dealer nodes.

Based on the foregoing description, FIG. 2 exemplarily shows the flow of a method for asset circulation based on a blockchain system provided by an embodiment of the present invention.

As shown in Figure 2, the process specifically includes:

Step 201: The first factoring node receives the first order.

Among them, the first order is used to instruct the first blockchain system to transfer the first asset of the first company to the second company. Here, the first asset is the second order initiated by the first blockchain system according to the third company Virtual assets generated for the first company.

In the embodiment of the present invention, the first blockchain system may include at least a first factoring node and a second factoring node, and the second blockchain system may include at least a first enterprise, a second enterprise, and a third enterprise, and the third An enterprise can be understood as a core enterprise, which is used to initiate a second order to the first blockchain system, which is a virtual asset generated by the first enterprise, so that the first enterprise performs asset transfer in the first blockchain system. Due to the geographic location of the companies in the second blockchain system, the factoring nodes to which they belong are different. For example, the first and second companies can belong to the first factoring node, and the second and third companies can belong to the same The second factoring node is equivalent to the first factoring node performing factoring services for the first and second companies, and the second factoring node performing factoring services for the second and third companies.

Before the first factoring node receives the first order, the first company may also send the first order to the first blockchain system, and the node in the first blockchain system receives the first order sent by the first company, and Determine whether the first asset is valid according to the locally stored asset information. Specifically, it can be determined whether the first asset actually exists and has been used. After the first asset is determined to be valid, the first insurance corresponding to the second enterprise can be determined. And send the first order to the first factoring node. Here, the locally stored asset information is synchronously obtained by each node when the first blockchain system generates each asset.

Step 202: After determining that the third company is not a factoring company of the first factoring node, the first factoring node obtains the reading authority of the factoring information for the second order from the second factoring node.

When the first factoring node determines that the third company is not the factoring company of the first factoring node, it is equivalent to that the first factoring node cannot perform factoring services for the third company, nor can it obtain information about the third company. In this solution, the first factoring node cannot obtain the information used in the factoring process of the second order of the third company. Here, the information used in the factoring process of the second order is understood as the second factoring The information involved in the process of factoring the second order by the node, such as the two parties in the second order, and the trade background information of the two parties. Specifically, if the first factoring node needs to perform factoring verification on the first order, it needs to obtain the permission to read the factoring information of the second order, which can be obtained from the second factoring node.

In the embodiment of the present invention, the second factoring node performs factoring services on the second order. Specifically, the third enterprise submits the second order to the second factoring node, and the second factoring node responds to the information in the second order , Is the second order matching credit node. The credit node performs credit verification on the second order, which is equivalent to judging whether the third enterprise has the ability to repay the first asset. If the credit verification is passed, the second factoring node performs the credit verification on the second order Factoring verification so that the first blockchain system completes the second order after verification is passed.

Step 203: The first factoring node obtains the factoring information for the second order locally according to the read permission.

Step 204: The first factoring node performs factoring verification on the first order at least according to the factoring information of the second order so that the first blockchain system can complete the first order after the verification is passed.

In the embodiment of the present invention, the first factoring node performs factoring verification on the first order. The first factoring node may obtain the historical transaction status of the first company and the historical transaction status of the second company, and then at least according to the first company The historical transaction situation of the second company, the historical transaction situation of the second company, and the factoring information of the second order are factored to verify the first order. Here, it can be determined whether there is false trade information in the historical asset circulation of the first enterprise and the second enterprise.

Further, the first factoring node can also obtain the repeated transaction status of the first order through the supervisory node, and based on the repeated transaction status of the first order, the historical transaction status of the first company, the historical transaction status of the second company, and the 2. The factoring information of the order, and the factoring verification of the first order. In the embodiment of the present invention, the first factoring node uses the feature of the supervisory node to have readable authority for all transactions on the first blockchain system to verify whether there are repeated transactions. First, the main key fields of the current trade background document (such as The payee, signing date, contract type, unique number, etc.) are compared with the corresponding fields of all historical completed orders of the payer. If they are consistent, enter the key information detail comparison, and use the cosine similarity algorithm for the full text of the two documents Perform similarity comparison. If the similarity is higher than the preset high-risk threshold, a red warning will be given, and if the similarity is higher than the pre-set safety threshold, a yellow warning will be given and corresponding prompt information will be given.

In order to evaluate the first order more truthfully and effectively, the first factoring node can also obtain the logistics information of the first order in the logistics blockchain system or obtain the tax of the first order from the tax blockchain system through cross-chain technology. Information, used to further verify the first order. Specifically, the first factoring node is based on at least the historical transaction status of the first company, the historical transaction status of the second company, the repeated transaction status of the first order, the factoring information of the second order, the logistics information of the first order and/ Or the tax information of the first order, and perform factoring verification on the first order. According to the comprehensive verification results of various information, the risk level of the first order, high risk, warning, and safety can be generated, and prompt information can be generated to evaluate whether the first order passes the verification.

The first factoring node can request the logistics information corresponding to the current order logistics number from the logistics blockchain to verify whether there is corresponding logistics information and whether it is consistent with the order payer and transaction time; the first factoring node can pass through OCR identifies the content of each invoice in this order, and then requests the invoice information corresponding to the invoice number and code of this order from the tax information blockchain to verify whether the invoice information exists and whether the invoice content is consistent.

In the embodiment of the present invention, a specific method for verifying the first order is provided. As shown in FIG. 3, the type of trade background documents required for the current order can be determined according to the industry to which the enterprise belongs and the document type rules. If the corresponding trade background document has been provided, extract the key fields in the document, such as the recipient, amount, date, number of pieces, unit price, unique number, etc., and then enter the historical transaction check, trade background repeatability check, and logistics information calibration in parallel. The verification and tax information verification can respectively correspond to the historical transaction check module, the trade background repeatability check module, the logistics information verification module, and the tax information verification check block. Historical transaction check is to check whether the current payee or payer has historical false trade background records on the chain; the trade background repetitive check is to use the characteristics of the supervisory node to have readable authority for all transactions on the chain to determine whether the historical transaction records exist. Current transaction; logistics information verification is to determine whether there is logistics information corresponding to the order; tax information verification is to determine whether there is tax information corresponding to the order. Synthesize the results of each inspection, generate a comprehensive result of the trade background, and give corresponding suggestions for the follow-up manual review. The comprehensive result can be the risk level: high risk, warning, safety, and generate prompt information.

In addition, after the first factoring node passes the verification of the first order, the first blockchain system will execute the first order. Specifically, if the node of the first blockchain system determines that the first enterprise will transfer the first asset Part of the transfer to the second company will generate a second asset and a third asset. The second asset is a virtual asset held by the first company, and the third asset is a virtual asset held by the second company. The sum of the three assets is the first asset. The node of the first blockchain system synchronizes the second asset to the first enterprise and the third asset to the second enterprise. If the node of the first blockchain system determines that the first company transfers all the first assets to the second company, it will generate a third asset. The third asset is a virtual asset held by the second company. The third asset is equal, and the node of the first blockchain system synchronizes the third asset to the second enterprise.

In addition, before generating the second asset and the third asset, the node of the first blockchain system will unlock the first asset, and before the second asset and third asset are synchronized to the first enterprise and the second enterprise, Locking the second asset and the third asset is equivalent to unlocking the asset only when the asset transfer is performed in the first blockchain system, ensuring the orderliness of asset transfer in the first blockchain system, and further protecting assets Safety.

It should be noted that in the embodiment of the present invention, the first blockchain system can be understood as the supply chain financial service blockchain system and the financial service blockchain system; the second blockchain system can be understood as the supply chain blockchain System; the first order can be understood as an asset transfer order and a transfer order, the second order can be understood as an asset confirmation order and a confirmation order, the first asset is understood as the asset to be transferred, the second asset is understood as the asset after the transfer, and the third Assets are understood as remaining assets and remaining available assets. In addition, trade background verification and risk review can be performed by factoring nodes or by calling other nodes.

In the embodiment of the present invention, a specific asset transfer verification process is provided. The supply chain blockchain sends an asset transfer order to the supply chain financial service blockchain system, and at the same time, the corresponding asset will be locked. In the supply chain financial service blockchain system, first verify whether the corresponding asset in the chain is valid, if it is valid, release the asset and create a transfer order with a status of pending trade background verification. At the same time, if the asset corresponds to factoring The target customer group of the service node (that is, the factoring company) cannot cover the payee of the transfer order, and the smart contract rules will re-match the new factoring service node. The trade background analysis module combines current orders, historical orders and other related chain data to automatically complete the authenticity of the trade background. When the trade background analysis is passed, it enters the automatic risk rule review module. The rule engine is based on the business scenario, the parties to the transaction, and the transaction amount. , Industry, transaction cycle and other factors to complete the automatic risk review. If passed, the order is completed, the original assets are consumed, new transferred assets and remaining assets (if part of the transfer) are generated, and the newly generated assets are locked in the current chain 2 assets. Finally, the new asset information is synchronized to the supply chain financial services blockchain system, the transferor holds a remaining available asset (if part of the transfer), and the receiver holds an available asset with the amount of the transfer order. If there are financial business needs, companies holding these assets can again use these assets to apply for financing or transfer services from the supply chain financial services blockchain.

The specific process can be shown in Figure 4.

Step 401: The supply chain blockchain system uses the assets already held to apply for asset transfer;

Step 402, lock the assets in the supply chain blockchain system, and release the corresponding assets in the supply chain financial service blockchain system;

Step 403, determine whether the first asset is valid; if so, go to step 404, otherwise go to step 409;

Step 404, determine whether it is necessary to rematch the factoring node; if yes, go to step 405, otherwise, go to step 406;

Step 405: Re-match the factoring node according to the smart contract rules;

Step 406, judge whether the trade background check is passed; if yes, go to step 407, otherwise go to step 409;

Step 407: Judge whether the execution of the automatic risk review rule is passed; if yes, go to step 408, otherwise go to step 409;

Step 408, the assets are split, the first asset is consumed, the second asset and the third asset are generated, and the assets are synchronized to the supply chain blockchain system;

In step 409, the cross-chain notifies the supply chain blockchain system asset transfer failure.

In the embodiment of the present invention, a specific asset confirmation verification process is provided, as shown in FIG. 5.

The supply chain blockchain sends an asset confirmation order to the supply chain financial services blockchain system. In the supply chain financial services blockchain system, a corresponding confirmation order is created. The smart contract is based on the location of the order payer, the order amount, The industry and other factors match the factoring service provider processing the order, and the order is in the pending credit status; when the designated credit node completes the credit, the order status is updated to pending trade background verification; the trade background analysis module combines current orders and historical orders And other related chain data automatically complete the verification of the authenticity of the trade background. If it passes, the order status is updated to pending risk review; after the rules engine automatically passes the risk review, the order is completed, and at the same time, an asset is generated and completed through the PoA consensus mechanism. Chain synchronization. Finally, lock the asset and transfer the asset to the supply chain blockchain through the side chain protocol, and the asset holder is the payee of the confirmed order.

Step 501: The supply chain blockchain system sends an asset confirmation request to the supply chain financial service blockchain;

Step 502, automatically matching factoring nodes according to smart contract rules;

Step 503: The factoring node sends a credit request of the core enterprise corresponding to the asset to the corresponding credit node;

Step 504: Determine whether the credit request is passed; if yes, go to step 505, otherwise go to step 508;

Step 505, judge whether the trade background check is passed; if yes, go to step 506, otherwise go to step 508;

Step 506: Judge whether the execution of the automatic risk review rule is passed; if yes, go to step 507, otherwise go to step 508;

Step 507: Generate assets and upload them to the chain, and transfer the assets to the supply chain blockchain through the side chain protocol;

Step 508, the cross-chain notifies the failure of the asset confirmation of the supply chain blockchain system.

Referring to FIG. 6, based on the same technical concept, an embodiment of the present invention also provides a computer device for executing the method of the first blockchain system in any embodiment of the present invention, which may include a memory 1001 and a processor 1002 .

The memory 1001 is used to store a computer program executed by the processor 1002. The memory 1001 may mainly include a program storage area and a data storage area. The program storage area may store an operating system, an application program required for at least one function, and the like; the data storage area may store data created according to the use of a computer device. The processor 1002 may be a central processing unit (central processing unit, CPU), or a digital processing unit or the like. The embodiment of the present invention does not limit the specific connection medium between the foregoing memory 1001 and the processor 1002. In the embodiment of the present invention, in FIG. 6, the memory 1001 and the processor 1002 are connected by a bus 1003, and the bus 1003 is represented by a thick line in FIG. 6. The connection mode between other components is only for schematic illustration, not Limited. The bus 1003 can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one thick line is used in FIG. 6, but it does not mean that there is only one bus or one type of bus.

The memory 1001 may be a volatile memory (volatile memory), such as a random-access memory (random-access memory, RAM); the memory 1001 may also be a non-volatile memory (non-volatile memory), such as a read-only memory, flash memory Memory (flash memory), hard disk (HDD) or solid-state drive (solid-state drive, SSD), or memory 1001 can be used to carry or store desired program codes in the form of instructions or data structures and can be used by Any other medium accessed by the computer, but not limited to this. The memory 1001 may be a combination of the above-mentioned memories.

The processor 1002 is configured to execute the method for asset circulation based on the blockchain system provided in the embodiment of the present invention when calling the computer program stored in the memory 1001.

An embodiment of the present invention also provides a computer storage medium that stores computer executable instructions required to execute the foregoing processor, and contains a program used to execute the foregoing processor.

The present invention is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are generated It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing functions specified in a flow or multiple flows in the flowchart and/or a block or multiple blocks in the block diagram.

Although the preferred embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications to these embodiments once they learn the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present invention. Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. In this way, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention is also intended to include these modifications and variations.

Claims

A method for asset circulation based on a blockchain system, characterized in that it is suitable for a first blockchain system including multiple factoring nodes; the method includes:

The first factoring node receives the first order; the first order is used to instruct the first blockchain system to transfer the first asset of the first enterprise to the second enterprise; the first asset is the first The blockchain system is a virtual asset generated by the first enterprise according to a second order initiated by a third enterprise; the first factoring node is a node in the first blockchain system;

After determining that the third company is not a factoring company of the first factoring node, the first factoring node obtains the reading authority for the factoring information of the second order from the second factoring node; The third enterprise is a factoring enterprise of the second factoring node; the factoring information of the second order is information used in the process of factoring the second order by the second factoring node; The second factoring node is a node in the first blockchain system;

The first factoring node obtains the factoring information for the second order locally according to the read permission;

The first factoring node performs factoring verification on the first order at least according to the factoring information of the second order so that the first blockchain system can complete the first order after the verification is passed.
The method of claim 1, wherein before the first factoring node receives the first order, the method further comprises:

The node in the first blockchain system receives the first order sent by the first enterprise; after the node in the first blockchain system determines that the first asset is valid through locally stored asset information , Determine the first factoring node corresponding to the second enterprise; the locally stored asset information is synchronously obtained by each node when the first blockchain system generates each asset.
The method of claim 1, wherein the first blockchain system further comprises a credit node corresponding to a factoring node;

Before the first factoring node receives the first order, the method further includes:

The second factoring node receives the second order;

The second factoring node performs factoring verification on the second order after the crediting node corresponding to the second factoring node completes the crediting of the second order, so that the first blockchain system is After the verification is passed, the second order is completed.
The method according to claim 1, wherein the first factoring node performs factoring verification on the first order, comprising:

Acquiring, by the first factoring node, the historical transaction status of the first company and the historical transaction status of the second company;

The first factoring node performs factoring verification on the first order at least according to the historical transaction situation of the first company, the historical transaction situation of the second company, and the factoring information of the second order.
The method of claim 4, wherein the first blockchain system further comprises a supervisory node; the method further comprises:

The first factoring node obtains the repeated transaction status of the first order through the supervision node;

The first factoring node performing factoring verification on the first order includes:

The first factoring node is at least based on the historical transaction situation of the first company, the historical transaction situation of the second company, the repeated transaction situation of the first order, and the factoring information of the second order. The first order is subjected to factoring verification.
The method of claim 5, further comprising:

The first factoring node obtains the logistics information of the first order from the logistics blockchain system; and/or

The first factoring node obtains the tax information of the first order from a tax blockchain system;

The first factoring node performing factoring verification on the first order includes:

The first factoring node is based at least on the historical transaction status of the first company, the historical transaction status of the second company, the repeated transaction status of the first order, the factoring information of the second order, and the The logistics information of the first order and/or the tax information of the first order are used to perform factoring verification on the first order.
The method according to any one of claims 1 to 6, wherein the completion of the first order by the first blockchain system after the verification is passed includes:

If the node of the first blockchain system determines that the first company transfers the first asset part to the second company, it generates a second asset and a third asset, and the second asset is owned by the company. The virtual asset held by the first enterprise, the third asset is a virtual asset held by the second enterprise, and the sum of the second asset and the third asset is the first asset;

The node of the first blockchain system synchronizes the second asset to the first enterprise, and synchronizes the third asset to the second enterprise.
The method according to claim 7, characterized in that, before generating the second asset and the third asset, the node of the first blockchain system further comprises:

The node of the first blockchain system unlocks the first asset;

Before the node of the first blockchain system synchronizes the second asset to the first enterprise and synchronizes the third asset to the second enterprise, the method further includes:

The node of the first blockchain system locks the second asset and the third asset in the first blockchain system.
The method according to any one of claims 1 to 6, wherein the first company, the second company, and the third company are all nodes of a second blockchain system.
A system for asset circulation based on a blockchain system, which is characterized in that it includes:

The first blockchain system and the second blockchain system; the first blockchain system includes at least a first factoring node and a second factoring node; the second blockchain system includes at least a first enterprise, The second company and the third company; the first company and the second company are the factoring companies of the first factoring node; the first company and the third company are the factoring companies of the second factoring node enterprise;

The second factoring node is configured to receive a second order sent by the third enterprise, and after the crediting node corresponding to the second factoring node completes the crediting of the second order, the second order is processed Factoring verification so that the first blockchain system completes the second order after verification is passed;

The first factoring node is configured to receive the first order sent by the first enterprise, obtain from the second factoring node the read permission for the factoring information of the second order, and obtain it locally according to the read permission For the factoring information of the second order, factoring verification is performed on the first order so that the first blockchain system can complete the first order after the verification is passed.
A computing device, characterized by comprising:

Memory, used to store program instructions;

The processor is configured to call the program instructions stored in the memory, and execute the method according to any one of claims 1 to 9 according to the obtained program.
A computer-readable non-volatile storage medium, characterized by comprising computer-readable instructions, when the computer reads and executes the computer-readable instructions, the computer is caused to execute any one of claims 1 to 9 Methods.