WO2021253815A1 - Système et procédé de plateforme de financement pour l'amélioration de crédit à base de chaîne de blocs et support de stockage - Google Patents

Système et procédé de plateforme de financement pour l'amélioration de crédit à base de chaîne de blocs et support de stockage Download PDF

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WO2021253815A1
WO2021253815A1 PCT/CN2021/071119 CN2021071119W WO2021253815A1 WO 2021253815 A1 WO2021253815 A1 WO 2021253815A1 CN 2021071119 W CN2021071119 W CN 2021071119W WO 2021253815 A1 WO2021253815 A1 WO 2021253815A1
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credit
blockchain
financing
node
target
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PCT/CN2021/071119
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English (en)
Chinese (zh)
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肖光昱
贺小鹏
巫朝华
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深圳前海点金保理有限公司
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Publication of WO2021253815A1 publication Critical patent/WO2021253815A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0635—Risk analysis of enterprise or organisation activities
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
    • 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
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • This application relates to the technical field of corporate financing, and in particular to a blockchain-based credit enhancement financing platform system, method, and storage medium.
  • the enterprise When an enterprise raises funds, the enterprise generally provides the enterprise's production and operation data on its own initiative, and the financial institution evaluates the enterprise based on the production and operation data to determine the amount of financing that the enterprise can obtain, and then issue funds to the enterprise.
  • the main purpose of this application is to provide a blockchain-based credit enhancement financing platform system, method, and storage medium, which aims to lock transaction data through blockchain technology and establish a more reliable credit enhancement financing platform.
  • the blockchain-based credit enhancement financing method includes the following steps:
  • the block chain platform obtains the target transaction bill corresponding to the target enterprise from the transaction bill stored in the credit management platform, wherein the node in the block chain saves the transaction bill corresponding to the transaction when completing the transaction;
  • the step of obtaining the financing amount corresponding to the characteristic value by the big data collection, analysis and calculation credit platform includes:
  • the method further includes:
  • the enterprise information of the target enterprise and the credit certificate are sent to each node in the blockchain, and each node in the blockchain is configured to store the credit certificate and the enterprise information in association with each other.
  • the enterprise information of the target enterprise and the credit certificate are sent to each node in the blockchain, and each node in the blockchain is configured to store the credit certificate in association with each node in the blockchain.
  • the steps of the enterprise information it also includes:
  • the credit transfer record is sent to each node in the block chain, and each node in the block chain is configured to store the credit transfer record.
  • the method further includes:
  • the blockchain-based credit enhancement financing method further includes:
  • the enterprise information of the target enterprise and the credit certificate are sent to each node in the blockchain, and each node in the blockchain is configured to store the credit certificate in association with each node in the blockchain.
  • the steps of the enterprise information it also includes:
  • the multiple sub-credit certificates are sent to each node in the blockchain, and each node in the blockchain is configured to replace the credit vouchers stored in association with the enterprise information with the multiple sub-credits Credit certificate.
  • the transaction bill stored by the credit management platform includes at least one of the purchase and sale contract of the buyer and the seller, a value-added tax invoice, a cargo transportation document, and a buyer's receipt certificate.
  • the present application also provides a blockchain-based credit enhancement financing platform system, which includes: a memory, a processor, and a storage device stored on the memory.
  • a blockchain-based credit enhancement financing program that can be run on the processor, and when the blockchain-based credit enhancement financing program is executed by the processor, the following blockchain-based credit enhancement financing can be realized A step of:
  • the block chain platform obtains the target transaction bill corresponding to the target enterprise from the transaction bill stored in the credit management platform, wherein the node in the block chain saves the transaction bill corresponding to the transaction when completing the transaction;
  • the present application also provides a storage medium on which a blockchain-based credit enhancement financing program is stored, which is implemented when the blockchain-based credit enhancement financing program is executed by a processor.
  • the block chain platform obtains the target transaction bill corresponding to the target enterprise from the transaction bill stored in the credit management platform, wherein the node in the block chain saves the transaction bill corresponding to the transaction when completing the transaction;
  • An embodiment of the application proposes a blockchain-based credit enhancement financing platform system, method, and storage medium.
  • the blockchain platform obtains the target transaction bill corresponding to the target enterprise from the transaction bill stored in the credit management platform, wherein the When the node in the blockchain completes the transaction, it saves the transaction bill corresponding to the transaction, obtains the characteristic value of the target transaction bill in a preset dimension, and obtains the characteristic value through the big data collection, analysis, and calculation credit platform
  • the corresponding first credit score, the sum of the first credit score, the second credit score corresponding to the blockchain platform, and the third credit score of a third-party guarantee or mortgage are used as the credit score, and the financing limit is determined by the credit score , And sending the financing amount to the node corresponding to the target enterprise.
  • This application uses blockchain technology to lock transaction data, which is non-tamperable, traceable, and credible, and evaluates the financing limit based on real transaction data, avoids false corporate transaction data, and establishes a more reliable credit enhancement financing platform.
  • FIG. 1 is a schematic diagram of a terminal structure of a hardware operating environment involved in a solution of an embodiment of the present application
  • FIG. 2 is a schematic flowchart of the first embodiment of the credit enhancement financing method based on blockchain of this application;
  • FIG. 3 is a schematic flowchart of a second embodiment of a credit enhancement financing method based on blockchain of this application;
  • FIG. 4 is a schematic flowchart of a third embodiment of a credit enhancement financing method based on blockchain of this application.
  • the embodiment of this application provides a solution to lock transaction data through blockchain technology, which is not tamperable, traceable, and credible, and evaluates the financing limit based on real transaction data, avoids false enterprise transaction data, and establishes more reliable Credit enhancement financing platform.
  • FIG. 1 is a schematic diagram of a terminal structure of a hardware operating environment involved in a solution of an embodiment of the present application.
  • the terminal in the embodiment of the present application may be a terminal device such as a PC, and the terminal device includes a blockchain architecture platform.
  • the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection and communication between these components.
  • the user interface 1003 may include a display screen (Display) and an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface.
  • the network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a magnetic disk memory.
  • the memory 1005 may also be a storage device independent of the aforementioned processor 1001.
  • terminal structure shown in FIG. 1 does not constitute a limitation on the terminal, and may include more or fewer components than shown in the figure, or combine certain components, or arrange different components.
  • the memory 1005 which is a computer storage medium, may include an operating system, a network communication module, a user interface module, and a blockchain-based credit enhancement financing program.
  • the network interface 1004 is mainly used to connect to the back-end server and communicate with the back-end server;
  • the user interface 1003 is mainly used to connect to the client (user side) and communicate with the client;
  • the processor 1001 can be used to call the blockchain-based credit enhancement financing program stored in the memory 1005, and perform the following operations:
  • the block chain platform obtains the target transaction bill corresponding to the target enterprise from the transaction bill stored in the credit management platform, wherein the node in the block chain saves the transaction bill corresponding to the transaction when completing the transaction;
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • the credit score is sent to the node corresponding to the preset financial institution, so that the node corresponding to the preset financial institution feeds back the financing line of the target enterprise according to the credit score, wherein the preset financial institution includes a bank , At least one of the guarantee agencies; and
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • the enterprise information of the target enterprise and the credit certificate are sent to each node in the blockchain, so that each node in the blockchain stores the credit certificate and the enterprise information in association with each other.
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • the credit transfer record is sent to each node in the blockchain, so that each node in the blockchain stores the credit transfer record.
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • processor 1001 may call the blockchain-based credit enhancement financing program stored in the memory 1005, and also perform the following operations:
  • the transaction bills stored in the credit management platform include at least one of the purchase and sale contract of the buyer and the seller, the value-added tax invoice, the cargo transportation document, and the buyer's receipt certificate.
  • the blockchain-based credit enhancement financing method includes the following steps:
  • Step S10 the blockchain platform obtains the target transaction bill corresponding to the target enterprise from the transaction bill stored in the credit management platform, where the node in the blockchain saves the transaction bill corresponding to the transaction when completing the transaction ;
  • the executive body is a blockchain-based credit enhancement financing device
  • the blockchain-based credit enhancement financing device carries a credit enhancement financing open sharing platform system.
  • the system includes a blockchain platform, a credit management platform, and a large Data collection, analysis and calculation of credit platform.
  • Blockchain platforms are generally based on consortium chain services to build a blockchain business service platform that can realize the supply chain financial service consortium chain involving core enterprises, upstream and downstream multi-level suppliers, purchasers, financial institutions, and banks, and Taking into account that after the opening of the blockchain platform, more and more nodes are participating, the amount of data increases, and the computing pressure that comes with it continues to increase, which poses challenges to the processing time of the block, the processing capacity per second, and the security.
  • the credit management platform is an accounts receivable management sub-platform based on the collaborative management of the supply chain.
  • the accounts receivable management sub-platform adopts a supply chain service architecture.
  • Each party in the supply chain is a node in the blockchain and can pass The credit management platform conducts commodity transactions and generates corresponding transaction data.
  • each node in the blockchain automatically saves the transaction bill corresponding to the transaction data.
  • the transaction bill can include the purchase and sale contract of the buyer and the seller, the value-added tax invoice, and the goods Transportation documents, buyer's receipt certificate, etc.
  • the blockchain platform can obtain the transaction bill stored by the credit management platform, and obtain the target transaction bill corresponding to the target company in the transaction bill for the target company to increase credit financing, because the target transaction bill is through the blockchain
  • the transaction data corresponding to the real transactions carried out, and the blockchain technology has the characteristics of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, etc., which provides convenience for the rapid determination of the assets and credit of the core enterprises’ accounts receivable and payable.
  • the intermediate links are reduced, transaction data can be used as evidence, and the intermediate links cannot be tampered with or falsified, and can be traced to the source, so there will be no false and false data.
  • the credit management platform can receive the transaction request when the transaction request is sent through the node corresponding to the enterprise in the credit management platform, and send the transaction bill in the transaction request to the credit management platform
  • Each node is used for each node in the credit management platform to store the transaction bill.
  • the transaction bill may include transaction generation time, order number, product name, product quantity, product unit price, transaction amount, transaction status, supplier information, buyer information, cargo carrier information, etc.
  • the node in the credit management platform will initiate a transaction update request, so that each node in the credit management platform can obtain the updated data in the transaction update request, and update the stored transaction bill based on the updated data to generate Corresponding update records, the update records are stored in each node of the credit management platform to update the transaction progress, and then the transaction progress can be continuously updated to achieve the purpose of transactions on the credit management platform, and the credit management platform can also obtain credit management
  • the target transaction bill corresponding to the target enterprise in the updated transaction bill stored by the node in the platform performs credit enhancement financing. Due to the upgrading of Internet information technology, most of the information and data transmission can be electronic and paperless, such as electronic invoices, support online inspection, and improve the efficiency of corporate credit enhancement and financing.
  • each node of the credit management platform and the blockchain platform can correspond to core enterprises, upstream and downstream multi-level suppliers, purchasers, capital demanders, capital providers, guarantors, regulatory service providers, etc., through multiple parties. Maintain blockchain nodes and form a complete supply chain financial ecosystem.
  • Step S20 Obtain the characteristic value of the target transaction bill in a preset dimension
  • Step S30 Obtain the financing amount corresponding to the characteristic value by the big data collection analysis and calculation credit platform
  • the blockchain platform is connected to the big data collection, analysis, and calculation credit platform, and the blockchain platform obtains the target transaction bill stored by the node in the blockchain, and obtains the characteristic value of the target transaction bill in a preset dimension , Send the characteristic value to the big data collection, analysis and calculation credit platform for evaluation of the first credit score corresponding to the characteristic value, and then combine the first credit score, the second credit score corresponding to the blockchain platform, and the target company
  • the third credit scores corresponding to the related credit enhancer companies are added together, and the sum of the credit scores is used as the target company’s credit score, or the credit rating is determined based on the sum of the credit scores, where the second credit score is the blockchain
  • the third credit score is the credit score of the credit enhancer enterprise.
  • the credit enhancer enterprise is generally another enterprise that provides guarantee or mortgage for the target enterprise.
  • the sum of the credit scores is used as the credit score of the target enterprise
  • financing can reduce the difficulty of financing for small, medium and micro enterprises.
  • the blockchain platform obtains the big data collection, analysis and calculation of the credit score or credit rating evaluated by the credit platform, it sends the credit score or credit rating to the node corresponding to the preset financial institution, so that the node corresponding to the preset financial institution is based on
  • the credit score or credit rating feeds back the financing limit of the target company, and provides the target company with financing transaction functions.
  • the preset financial institution includes at least one of a bank and a guarantee institution.
  • the big data collection, analysis and calculation credit platform can provide small and medium-sized enterprises with diversified services such as customer acquisition, credit investigation, anti-fraud, credit granting, credit management, risk warning and collection, helping small and medium banks to reduce risk control costs, improve efficiency, and reduce bad Rate.
  • the preset dimension includes the credit attributes of the enterprise in the credit field.
  • the preset dimensions may include multiple aspects such as corporate transaction profits, corporate transaction revenue, corporate transaction times, and the number of transaction commodities.
  • Characteristic values include values in multiple aspects such as corporate transaction profits, corporate transaction revenue, corporate transaction times, and the number of traded commodities.
  • the preset big data risk control model of the big data collection, analysis and calculation of the credit platform can be obtained, and the target company is set in each preset dimension
  • the eigenvalues above are input into the big data risk control model to obtain the corresponding credit score or credit rating of the target company to evaluate the financing line of the company based on the credit score or credit rating.
  • the big data risk control model is commonly used in credit guarantee companies. Risk control of the business, including basic processes such as data collection, data modeling, building data profiling, and risk pricing. Data collection includes target company transaction data, and data modeling includes text mining, natural language processing, machine learning, predictive algorithms, and Clustering algorithms, etc.
  • Data profile includes purchasing power, behavioral characteristics, psychological characteristics, and social networks.
  • Risk pricing includes application models, behavior monitoring models, default models, and collection strategy models.
  • big data analysis and risk control models the borrower’s qualifications are pre-screened and accurately profiled, corporate credit scoring is performed, effective credit evaluation and management are implemented, and a credit risk control mechanism for small, medium and micro enterprises is established to further improve the financing difficulties of small, medium and micro enterprises. The problem of reducing the bad debt rate of small and medium banks.
  • the blockchain platform can also be connected to a third-party organization corresponding to the transaction data, and establish a data exchange mechanism with the third-party organization on the premise that the user corresponding to the blockchain node is voluntary and does not harm the user’s privacy rights.
  • the credit score or credit rating corresponding to the target company can be sent to the node corresponding to the preset financial institution in the blockchain, so that the node corresponding to the preset financial institution can be based on the credit score or After the credit rating, the financing limit of the target enterprise is fed back, so that the financing limit feedback from the node corresponding to the preset amount institution can be received, and the risk of bad debts is completely borne by the preset amount institution.
  • the default financial institutions include banks, non-bank financial institutions, private capital, etc.
  • the preset financial institution judges the financing risk of the target company based on the credit score or credit rating, and then determines the financing limit according to the size of the financing risk. If the amount corresponding to the credit certificate is greater than the assessed value The amount of financing may cause bad debts. Therefore, the target company usually determines the amount of the issued credit certificate based on the amount of financing received.
  • Step S40 Send the financing amount to the node corresponding to the target enterprise.
  • the blockchain platform after obtaining the financing quota of the target company, the blockchain platform sends the financing quota to the node corresponding to the target company in the blockchain.
  • the target company can issue a credit certificate based on the financing line and use the credit certificate as capital for the target company to conduct commodity transactions and make payments through the credit certificate on the blockchain platform.
  • the target company can issue a credit certificate based on the financing line and use the credit certificate as capital for the target company to conduct commodity transactions and make payments through the credit certificate on the blockchain platform.
  • the credit certificate may include the electronic signature corresponding to the target company, the financing amount, the financing time, and the company's smart contract.
  • blockchain smart contract technology locks the accounts payable of core enterprises, which will effectively transmit credit.
  • key transaction information (accounting period, repayment date, repayment account number, etc.) can be Pre-set in the system program.
  • First-tier suppliers can also introduce blockchain smart contracts in their transactions with second-tier suppliers. Since the payment capability and credit of first-tier suppliers may not be as good as those of core companies, most second-tier suppliers recognize and believe in smart contracts between core companies and first-tier suppliers.
  • the key information of the smart contract between the core enterprise and the first-tier supplier can be accepted by the smart contract of the first-tier supplier and the second-tier supplier, and can also be adopted by the second-tier or N-tier supplier, and the smart contract that is accepted Funds can be transferred to the final contract bill holder when the core enterprise final transaction payment is made, or it can be transferred to the bill holder step by step to complete and redeem all transactions in the entire chain.
  • the commercial credit of the core enterprise can be transmitted to the first-level and even multi-level suppliers, and the development of the suppliers in the entire chain of the core enterprise can be supported.
  • the blockchain technology has the characteristics of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, etc., it provides convenience for the rapid confirmation of the accounts payable of core enterprises, while reducing intermediate In the link, transaction data can be used as evidence, and the intermediate link cannot be tampered with or falsified, and can be traced back to the source. Therefore, the transaction data is locked through blockchain technology, which cannot be tampered with, is traceable, and reliable, and the financing limit is evaluated based on the real transaction data. , To avoid false corporate transaction data, and establish a more reliable credit enhancement financing platform.
  • the method further includes:
  • Step S50 when receiving the financing instruction sent by the node corresponding to the target enterprise, obtain the credit certificate in the financing instruction;
  • the financing limit is sent to the node corresponding to the enterprise
  • the financing instruction sent by the node corresponding to the target enterprise is received
  • the credit certificate in the financing instruction can be obtained, where the credit certificate may include the target enterprise corresponding node.
  • the electronic signature, financing amount, voucher issuance time and the target company’s smart contract, repayment time point, target company’s repayment account number, etc. can be used to determine the target company’s financing situation.
  • Step S60 Send the enterprise information of the target enterprise and the credit certificate to each node in the blockchain, so that each node in the blockchain stores the credit certificate and the enterprise information in association with each other .
  • the enterprise information of the target company that sends the node corresponding to the financing instruction is obtained, and the enterprise information and the credit certificate are sent to each node in the blockchain at the same time, so that Each node in the block chain stores the credit certificate and enterprise information in association, so that each node in the block chain will recognize the credit certificate of the target company.
  • the target company can Vouchers are used as funds for payment, making it easier for the target enterprise to trade commodities after financing.
  • Target companies can include core companies.
  • the platforms are divided into systems, and the problem of information islands appears, and a system-compatible sharing platform is built to achieve the purpose of increasing the credit of enterprises in credit enhancement financing, reducing risk control costs and the difficulty of credit enhancement financing.
  • the blockchain platform can obtain the credit certificate and the payment object in the payment instruction, and generate a credit transfer record based on the credit certificate and the payment object.
  • the credit transfer record indicates that the holder of the credit voucher is changed from the object of the payment instruction to the payment Object, to realize the circulation of credit vouchers, and the payment operation of the target company is completed.
  • the payment object can also use the credit vouchers to continue to make transaction payments to other companies, realizing the gradual circulation of the credit vouchers in the blockchain, for example, the core company generates the credit vouchers and When paying a first-tier supplier, transfer the credit certificate to the first-tier supplier, and when the first-tier supplier pays the second-tier supplier, transfer the credit certificate to the second-tier supplier.
  • the payment object can also withdraw the actual funds from the financial institution through the credit certificate, and use the actual funds in other aspects except the blockchain.
  • the payment object may also hold the credit certificate until the repayment time point is reached, and perform a remittance operation to the second account of the payment object through the first account of the target company corresponding to the credit certificate.
  • the blockchain platform can obtain and save the repayment time point corresponding to the credit voucher, that is, the agreement After the preset time period, the target company needs to pay the actual amount to the payment recipient. Therefore, when the blockchain platform detects the arrival of the repayment time point, it will use the first account of the target company corresponding to the credit voucher to perform the remittance operation to the second account of the payment object, so as to realize the automatic repayment of the target company.
  • the blockchain platform can run the smart contract corresponding to the target company, remit the actual amount corresponding to the financing limit of the credit certificate from the first account of the third-party payment platform through the smart contract, and remit the actual amount to the payment object's
  • the second account is to complete the remittance operation and lock the accounts payable of the target company through smart contract technology to realize the effective transmission of the target company's credit.
  • the blockchain platform can also obtain the financing amount corresponding to the credit certificate and detect the first account of the target company if it detects that the repayment time point has arrived.
  • the balance of is less than the financing limit
  • if the balance of the first account is less than the financing limit it means that the target company’s current financing repayment ability is insufficient, so the difference between the financing limit and the balance of the first account can be obtained from the credit enhancer company associated with the target company , That is, the amount that cannot be repaid, which can be made up by the associated credit enhancer enterprise.
  • This making up process can be automatically triggered by the technical features of the blockchain and the system, and the risk of bad debts is small.
  • the credit enhancer company is generally another company that endorses the target company. Therefore, when repayment, the blockchain platform can transfer the balance of the first account to the second account of the payment object through the smart contract of the target company , And remit the amount of the difference part from the third account of the credit enhancer company through the smart contract of the credit enhancer company, and remit the amount of the difference part to the second account of the payment object, complete the remittance operation, and pass the first
  • the tripartite balance makes up, reducing the probability of bad debts after corporate financing, financial institutions have less risk, and financial institutions are more willing to provide financing services to enterprises, making corporate financing more convenient.
  • the step of performing a remittance operation to the second account of the payment object through the first account of the target company may be performed to complete the remittance operation.
  • the target enterprise is generally a core enterprise.
  • the multi-level suppliers corresponding to each node on the blockchain can share the commercial credit of the core enterprise. Therefore, the credit issued based on the core enterprise payment commitment Vouchers can be transferred freely.
  • the credit certificate in the financing instruction is obtained, and the enterprise information and the credit certificate of the target enterprise are sent to each node in the blockchain , So that each node in the blockchain stores the credit vouchers and enterprise information in association with each other, so that the target company can make payments through the credit vouchers, making it more convenient for the target company to trade commodities after financing.
  • a series of problems such as the inability to establish and effective transmission of credit in the supply chain finance of exemplary technologies can be well solved, and the credit of the idle financial institutions of high-quality core enterprises can be fully utilized.
  • the method further includes:
  • Step S70 When a splitting instruction sent by a node corresponding to the target enterprise is received, multiple sub-credit vouchers in the splitting instruction are obtained, where multiple of the sub-credit vouchers form the credit vouchers;
  • the blockchain platform can obtain multiple sub-credit vouchers in the splitting instruction.
  • the node corresponding to the target company divides the credit vouchers into multiple sub-credit vouchers in advance, and the set of all sub-credit vouchers is this Credit vouchers, that is, the sum of the financing amounts corresponding to all sub-credit vouchers is equal to the financing amount corresponding to the credit vouchers.
  • Step S80 Send the multiple sub-credit certificates to each node in the blockchain, so that each node in the blockchain replaces the credit certificate stored in association with the enterprise information with the Multiple sub-credits.
  • the blockchain platform sends the multiple sub-credit vouchers to each node in the blockchain, so that each node enterprise in the blockchain
  • the information stored in association with the credit vouchers is replaced with the multiple sub-credit vouchers, and the split of the credit vouchers is realized through the replacement of the credit vouchers.
  • the financing amount corresponding to the sub-credit certificate is less than the financing amount corresponding to the credit certificate. Therefore, when the target company conducts commodity transactions on the blockchain and needs to pay, if the amount payable is less than the financing amount corresponding to the credit certificate, the financing amount can be smaller
  • the sub-credit vouchers are used for payment to avoid the problem that the financing amount is too large and the payment cannot be made, so as to make commodity transactions more convenient.
  • the first-tier supplier can hold the due payment, or take the credit certificate to a financial institution for financing, or transfer it to the second-tier supplier. If the credit vouchers can be split into multiple sub-credit vouchers, they can be transferred to multiple secondary suppliers.
  • the embodiment of the application also proposes a blockchain-based credit enhancement financing platform system.
  • the blockchain-based credit enhancement financing platform system includes a memory, a processor, and a A blockchain-based credit enhancement financing program running on the processor, and when the blockchain-based credit enhancement financing program is executed by the processor, the blockchain-based credit enhancement financing as described in each of the above embodiments is realized Method steps.
  • an embodiment of the present application also proposes a storage medium that stores a blockchain-based credit enhancement financing program, and the blockchain-based credit enhancement financing program is executed by a processor to achieve the above implementations The steps of the blockchain-based credit enhancement financing method described in the example.
  • the method of the above embodiments can be implemented by means of software plus the necessary general hardware platform. Of course, it can also be implemented by hardware, but in many cases the former is better. ⁇
  • the technical solution of this application essentially or the part that contributes to the existing technology can be embodied in the form of a software product, and the computer software product is stored in a storage medium (such as ROM/RAM) as described above. , Magnetic disk, optical disk), including several instructions to make a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the method described in each embodiment of the present application.
  • a terminal device which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

L'invention concerne un système et un procédé de plateforme de financement pour l'amélioration de crédit à base de chaîne de blocs et un support de stockage. Le procédé comprend les étapes suivantes : acquérir, par une plateforme de chaîne de blocs, une facture de transaction cible correspondant à une entreprise cible à partir de factures de transaction stockées dans une plateforme de gestion de crédit, et lorsqu'un nœud dans la chaîne de blocs achève une transaction, la facture de transaction correspondant à la transaction est stockée ; acquérir une valeur caractéristique de la facture de transaction cible dans une dimension prédéfinie ; calculer un premier score de crédit correspondant à la valeur caractéristique obtenue par la plateforme de crédit au moyen de l'acquisition et de l'analyse de mégadonnées, en utilisant la somme du premier score de crédit, d'un deuxième score de crédit correspondant à la plateforme de chaîne de blocs et d'un troisième score de crédit garanti ou hypothéqué par un tiers en tant que score de crédit, et déterminer une limite de financement au moyen du score de crédit ; et envoyer la limite de financement à un nœud correspondant à l'entreprise cible.
PCT/CN2021/071119 2020-06-16 2021-01-11 Système et procédé de plateforme de financement pour l'amélioration de crédit à base de chaîne de blocs et support de stockage WO2021253815A1 (fr)

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