CN110148054A

CN110148054A - Financing by accounts receivable loan method, equipment, medium and system based on block chain

Info

Publication number: CN110148054A
Application number: CN201910402540.5A
Authority: CN
Inventors: 马超群; 林子君; 周中定; 李信儒; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2019-05-15
Filing date: 2019-05-15
Publication date: 2019-08-20
Anticipated expiration: 2039-05-15
Also published as: CN110148054B

Abstract

The invention discloses a kind of financing by accounts receivable loan method, equipment, medium and system based on block chain, comprising: accounts receivable side's node issues the financing demand for loan for loan of financing on block chain, and financing demand for loan includes accounts receivable information；That calls the publication of financial institution side's node carries out the loan agreement of loan administration for providing a loan financing, is uploaded to block chain after carrying out hash signature to loan agreement；Loan gathering and hash signature are carried out according to the loan that loan agreement issues to financial institution side's node, and recorded to block chain.Financing by accounts receivable loan method, equipment, medium and system provided by the invention based on block chain, accounts receivable side carries out financing loan to financial institution side with accounts receivable by block chain, record All Activity process and process of exchange are both needed to the Signature Confirmation of accounts receivable side, financial institution side and accounts payable side on block chain, Financing efficiency and safety are improved, and reduces finance costs.

Description

Financing by accounts receivable loan method, equipment, medium and system based on block chain

Technical field

The present invention relates to technical field of information processing, provide a loan more particularly to a kind of financing by accounts receivable based on block chain Method, equipment, medium and system.

Background technique

In supply chain financial field, financing by accounts receivable refers to the accounts receivable that the raisers such as supplier will sell on credit and be formed It conditionally transfers the possession of or pledges and give special financier such as financial institution, to make to obtain required money to sell the enterprise in a manner of on credit Gold reinforces the turnover of fund.Financing by accounts receivable mode is substantially a kind of credit Financing Mode, can be applied to any presence Accounts receivable, accounts payable enterprise in.However, financing in traditional financing by accounts receivable mode for financial institution etc. Fang Eryan, since smb message disclosure is insufficient, and information authenticity cannot be guaranteed, therefore there are certain promise breaking wind Danger, such as lender fail to repay the loan.And for the credit requirements sides such as core enterprise, upstream supplier, due to The program of accounts receivable loan financing is complicated, causes Financing efficiency low, and finance costs are high.

Summary of the invention

The financing by accounts receivable loan method that the purpose of the present invention is to provide a kind of based on block chain, equipment, medium and System can be improved Financing efficiency and financing safety, and reduce finance costs.

In order to achieve the above objectives, the technical scheme of the present invention is realized as follows:

The method in a first aspect, financing by accounts receivable that the embodiment of the invention provides a kind of based on block chain is provided a loan, it is described Method includes:

Accounts receivable side's node issues the financing demand for loan for loan of financing on block chain, and the financing loan needs It asks including accounts receivable information, the accounts receivable information carries out hash signature and encryption by accounts receivable side's node in advance It is stored in after processing on the block chain；

Financial institution side's node obtains the financing demand for loan from the block chain, to the accounts receivable information institute Corresponding accounts receivable side and accounts payable side carry out reference audit, are drafted after the approval in reference for borrowing to the financing Money carries out the loan agreement of loan administration, and is uploaded to the block after carrying out hash signature and endorsement to the loan agreement Chain；

Accounts receivable side's node and accounts payable side's node call the institute of financial institution side's node publication respectively Loan agreement is stated, and is uploaded to the block chain after carrying out hash signature to the loan agreement；

Financial institution side's node gets accounts receivable side's node and accounts payable side's node is right respectively After the loan agreement carries out hash signature confirmation, is transferred accounts by Token and the corresponding loan of the loan agreement is made loans to institute It states accounts receivable side's node and records to the block chain；

Accounts receivable side's node provides a loan to financial institution side's node according to the loan that the loan agreement issues Gathering and hash signature and accounts payable side's node issue financial institution side's node according to the loan agreement Loan carry out transfer accounts confirmation and hash signature, and record to the block chain.

As one of embodiment, the method also includes:

Accounts payable side's node is transferred accounts by Token by the corresponding loan repayment of the loan agreement to the finance Mechanism side's node and target accounts receivable is refunded to accounts receivable side's node, and recorded to the block chain, it is described Target accounts receivable is the difference of the accounts payable and the loan；

Accounts receivable side's node carries out funds on account to the target accounts receivable that accounts payable side's node is refunded Gathering and hash signature, and record to the block chain；

The loan repayment that financial institution side's node transfers accounts to accounts payable side's node carries out loan gathering and Kazakhstan Uncommon signature, and record to the block chain.

Second aspect, it is described the embodiment of the invention provides a kind of financing by accounts receivable loan system based on block chain System includes: accounts payable side's node, financial institution side's node and accounts payable side's node, wherein

Accounts payable side's node, it is described for financing demand for loan of the publication for loan of financing on block chain Demand for loan of financing includes accounts receivable information, and the accounts receivable information carries out Hash by accounts receivable side's node in advance It is stored on the block chain after signature and encryption；

Financial institution side's node, for obtaining the financing demand for loan from the block chain, to described receivable Accounts receivable side corresponding to accounts receivable information and accounts payable side carry out reference audit, reference draft after the approval for pair The financing loan carries out the loan agreement of loan administration, and is uploaded to after carrying out hash signature and endorsement to the loan agreement The block chain；

Accounts receivable side's node is also used to call the loan agreement of financial institution side's node publication, right The loan agreement is uploaded to the block chain after carrying out hash signature；

Accounts payable side's node, for calling the loan agreement of financial institution side's node publication, to institute It states after loan agreement carries out hash signature and is uploaded to the block chain；

Financial institution side's node is also used to get accounts receivable side's node and accounts payable side's node After carrying out hash signature confirmation to the loan agreement respectively, is transferred accounts by Token and put the corresponding loan of the loan agreement Money is to accounts receivable side's node and records to the block chain；

Accounts receivable side's node is also used to the loan issued to financial institution side's node according to the loan agreement Money carries out loan gathering and hash signature, and records to the block chain；

Accounts payable side's node is also used to the loan issued to financial institution side's node according to the loan agreement Money carries out transfer accounts confirmation and hash signature, and records to the block chain.

As one of embodiment,

Accounts payable side's node is also used to be transferred accounts by Token by the corresponding loan repayment of the loan agreement extremely Financial institution side's node and target accounts receivable is refunded to accounts receivable side's node, and recorded to the block chain, The target accounts receivable is the difference of the accounts payable and the loan；

Accounts receivable side's node, be also used to accounts payable side's node refund the target accounts receivable into The gathering of row funds on account and hash signature, and record to the block chain；

Financial institution side's node is also used to carry out loan receipts to the loan repayment that accounts payable side's node is transferred accounts Money and hash signature, and record to the block chain.

The third aspect, the embodiment of the invention provides a kind of the financing by accounts receivable loan method based on block chain, application In accounts receivable side's node, which comprises

Accounts receivable side's node issues the financing demand for loan for loan of financing on block chain, and the financing is borrowed Money demand includes accounts receivable information, the accounts receivable information in advance by accounts receivable side's node carry out hash signature and It is stored in after encryption on the block chain；

That calls the publication of financial institution side's node carries out the loan agreement of loan administration for providing a loan the financing, to institute It states after loan agreement carries out hash signature and is uploaded to the block chain；

Loan gathering and hash signature are carried out according to the loan that the loan agreement issues to financial institution side's node, And it records to the block chain.

As one of embodiment, further includes:

Funds on account gathering and hash signature are carried out to the target accounts receivable that accounts payable side's node is refunded, and recorded extremely The block chain, the target accounts receivable are the difference of the accounts payable and the loan.

Fourth aspect, the embodiment of the invention provides a kind of the financing by accounts receivable loan method based on block chain, application In financial institution side's node, which comprises

Financial institution side's node obtains providing a loan for financing for accounts receivable side's node initiation from the block chain Financing demand for loan, the financing demand for loan includes accounts receivable information；

Reference audit is carried out to accounts receivable side corresponding to the accounts receivable information and accounts payable side, is examined in reference Core drafts the loan agreement for carrying out loan administration to the financing loan after passing through, and carries out Hash to the loan agreement The block chain is uploaded to after signature and endorsement；

It gets accounts receivable side's node and accounts payable side's node respectively breathes out the loan agreement After uncommon Signature Confirmation, is transferred accounts by Token and the corresponding loan of the loan agreement is made loans to accounts receivable side's node simultaneously It records to the block chain.

As one of embodiment, further includes: the loan repayment transferred accounts to accounts payable side's node is borrowed Money gathering and hash signature, and record to the block chain.

5th aspect, the embodiment of the invention provides a kind of the financing by accounts receivable loan method based on block chain, application In accounts payable side's node, which comprises

Accounts payable side's node calls financial institution side's node to be based on the corresponding accounts receivable side of accounts payable information The loan agreement that the financing demand for loan of initiation is issued is uploaded to the block after carrying out hash signature to the loan agreement Chain, the accounts payable information are described by being stored in after accounts payable side's node progress hash signature and encryption in advance On block chain；

The loan issued to financial institution side's node according to the loan agreement carries out transfer accounts confirmation and hash signature, And it records to the block chain.

As one of embodiment, further includes:

It is transferred accounts by Token by the corresponding loan repayment of the loan agreement to financial institution side's node and by mesh Mark accounts receivable is refunded to accounts receivable side's node, and is recorded to the block chain, and the target accounts receivable is described The difference of accounts payable and the loan.

6th aspect, the embodiment of the invention provides a kind of computer equipments, comprising: processor and can be for storing The memory of the computer program run on processor,

Wherein, when the processor runs the computer program, in terms of realizing such as the third aspect, fourth aspect or the 5th The described financing by accounts receivable based on block chain provide a loan method the step of.

7th aspect, the embodiment of the invention provides a kind of computer storage medium, is deposited in the computer storage medium Computer program is contained, in terms of realizing when the computer program is executed by processor such as the third aspect, fourth aspect or the 5th The described financing by accounts receivable based on block chain provide a loan method the step of.

Financing by accounts receivable loan method, equipment, medium and system provided in an embodiment of the present invention based on block chain, is answered Receipt on account money side node issues the financing demand for loan for loan of financing on block chain, and the financing demand for loan includes receivable Accounts receivable information；That calls the publication of financial institution side's node carries out the loan agreement of loan administration for providing a loan the financing, right Loan agreement is uploaded to the block chain after carrying out hash signature；The loan that financial institution side's node is issued according to loan agreement Loan gathering and hash signature are carried out, and is recorded to the block chain.In this way, accounts receivable side is by block chain with accounts receivable Financing loan is carried out to financial institution side, record All Activity process and All Activity process are required to receivable on block chain The Signature Confirmation of funds on account side, financial institution side and accounts payable side improves Financing efficiency and financing safety, and reduces and melt Provide cost.

Detailed description of the invention

Fig. 1 is a kind of structural representation of the financing by accounts receivable loan system based on block chain provided in an embodiment of the present invention Figure；

Fig. 2 is a kind of process signal of financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention Figure；

Fig. 3 is that the process of another financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention is shown It is intended to；

Fig. 4 is that the process of another financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention is shown It is intended to；

Fig. 5 is the process of the provided in an embodiment of the present invention and another financing by accounts receivable loan method based on block chain Schematic diagram；

Fig. 6 is a kind of structural schematic diagram of computer equipment provided in an embodiment of the present invention；

Fig. 7 is a kind of detailed process of financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention Schematic diagram.

Specific embodiment

Technical solution of the present invention is further described in detail with reference to the accompanying drawings and specific embodiments of the specification.Unless It is defined otherwise, all technical and scientific terms used herein with to belong to those skilled in the art of the invention usual The meaning of understanding is identical.Term used herein, which is only for the purpose of describing specific embodiments, to be not intended to limit The system present invention.Term as used herein "and/or" includes any and all of one or more relevant listed items Combination.

It is a kind of knot of the financing by accounts receivable loan system based on block chain provided in an embodiment of the present invention referring to Fig. 1 Structure schematic diagram, the financing by accounts receivable loan system based on block chain includes accounts receivable side's node 10, accounts payable side Node 11 and financial institution side's node 12；Wherein,

Accounts payable side's node 10, for financing demand for loan of the publication for loan of financing, institute on block chain Stating financing demand for loan includes accounts receivable information, and the accounts receivable information is carried out by accounts receivable side's node 10 in advance It is stored in after hash signature and encryption on the block chain；

Financial institution side's node 11 is answered for obtaining the financing demand for loan from the block chain described It receives accounts receivable side corresponding to accounts receivable information and accounts payable side carries out reference audit, draft and being used for after the approval in reference The loan agreement of loan administration is carried out to the financing loan, and is uploaded after carrying out hash signature and endorsement to the loan agreement To the block chain；

Accounts receivable side's node 10, the loan for being also used to that financial institution side's node 11 is called to issue close Together, the block chain is uploaded to after carrying out hash signature to the loan agreement；

Accounts payable side's node 12, the loan agreement for calling financial institution side's node 11 to issue, The block chain is uploaded to after carrying out hash signature to the loan agreement；

Financial institution side's node 11 is also used to get accounts receivable side's node 10 and the accounts payable side After node 12 carries out hash signature confirmation to the loan agreement respectively, transferred accounts by Token the loan agreement is corresponding Loan is made loans to accounts receivable side's node 10 and is recorded to the block chain；

Accounts receivable side's node 10 is also used to issue financial institution side's node 11 according to the loan agreement Loan carry out loan gathering and hash signature, and record to the block chain；

Accounts payable side's node 12 is also used to issue financial institution side's node 11 according to the loan agreement Loan carry out transfer accounts confirmation and hash signature, and record to the block chain.

In this specification the embodiment described, " block chain " specifically can refer to each node device and be reached by common recognition mechanism At, P2P network system with Distributed Storage structure, data distribution in the block chain it is connected in time one Within each and every one " block (block) ", latter block includes the data summarization of previous block, and proves (POW, Poof according to work Of Work), equity prove (Poof of Stake, POS) etc. common recognition mechanism difference, reach the data of all or part of node Full backup.Those skilled in the art answers it is found that since block catenary system is run under corresponding common recognition mechanism, has included to block Data in chain database are difficult to be distorted by arbitrary node, for example, by using the block chain of POW common recognition, at least need the whole network 51% The attack for calculating power, which is reached common understanding, is possible to distort data with existing, and therefore, block catenary system has other centralization data base sets System institute's method analogy guarantee data security, the characteristic that attack protection is distorted.The operation of above-mentioned common recognition usually requires higher in block chain The configuration of computer techno-stress communication device resources, with numbers such as the calculating, verifying and the broadcast communications that carry out extensive or high concurrent According to processing.

Here, described " financing loan system " refers to that establishing based on block chain is that accounts receivable side provides financing loan System, accounts receivable side's node 10, accounts payable side's node 11 and financial institution side's node 12 are located at described In block chain network where financing loan system.Wherein, accounts receivable side's node 10 refers to that receivable to turn money side corresponding Node, the receivable money side that turns can be supplier etc.；Accounts payable side's node 11, which refers to deal with, turns the corresponding node in money side, This, which is dealt with, turns money side and needs to turn the payment of money side because the unpaid expense of the purchase transaction such as commodity occurs to receivable, this, which is dealt with, turns money side It can be sales company etc.；Financial institution side node 12 refers to the corresponding node in financial institution side, the financial institution Side can be the bank for being capable of providing substantial contribution, investment institution etc..It should be noted that " node " can be finger joint point Equipment, i.e., described accounts receivable side's node can refer to be set corresponding to node of the accounts receivable side in block chain network Standby, accounts payable side's node can refer to the node device corresponding to the accounts payable side in block chain network, institute Node device corresponding to the financial institution side in block chain network can be referred to by stating financial institution side's node.This specification The node device can refer to server or client, which can be, but not limited to various personal computers, notes This computer, smart phone, tablet computer etc., the server can use independent server or the clothes formed with multiple servers Device cluster be engaged in realize, is not specifically limited in the present specification.Each node device is to the number of deals for being distributed to block chain According to or intelligent contract carry out common recognition processing when, used common recognition algorithm, and process of specifically knowing together, in the present specification not It is described in detail again, those skilled in the art, can be with reference to related skill when the technical solution for recording this specification is put into effect Record in art.

Here, when selling equal trading activities between accounts receivable side and accounts payable side on credit, accounts receivable can pass through Accounts receivable side's node 10 is stored on the block chain after accounts receivable information is carried out hash signature and encryption, and is answered Money of paying a bill can be will cope with after accounts receivable information carries out hash signature and encryption by accounts payable side's node 12 and be stored in institute It states on block chain, the accounts receivable information and the accounts payable information are one-to-one, i.e., the described accounts receivable information May include the information such as accounts payable side, accounts receivable, account due date, the accounts payable information may include accounts receivable side, The information such as accounts payable, due date.It is in data that signer approves it based on the private key of itself due to hash signature Hold carried out mathematics encryption, therefore, above-mentioned hash signature can be expressed as identification of the signer to relevant information, in addition, Other nodes not only can verify that identity corresponding to the public key of signer, it may also be used for verify data by verifying hash signature Whether content is by distorting.It is stored after carrying out hash signature and encryption to accounts receivable information by accounts receivable side's node It is stored on the block chain, and after carrying out hash signature and encryption to accounts payable information by accounts payable side's node In on the block chain, it can be ensured that the safety of information can be reduced for financial institution side because of information announcing with reliably Insufficient, authenticity is difficult to ensure caused default risk.

Here, financial institution side's node 11 is initiated based on accounts receivable side's node 10 with accounts receivable information It, can be to accounts receivable side and accounts payable side corresponding to the accounts receivable information for the financing demand for loan for loan of financing Reference audit inside carrying out, for example whether audit accounts receivable side and accounts payable side are once either with or without Information fulfillment as agreed The behavior of transaction, including not refunding the behavior etc. of loan according to agreement repayment date or repayment amount, with determine whether can be right It is made loans and/or is financed loan limit, loan interest rate, the payback period etc. of loan in the accounts receivable side.It is examined according to reference Core is as a result, financial institution side's node 11 can state the loan limit of the financing loan in the loan agreement drafted, go back The clauses such as money time limit, loan interest rate.The loan limit of above-mentioned financing loan is either the loan principal that financial institution side provides Amount, be also possible to financial institution side loan principal and interest full amount, can also be financial institution side provide loan Money deducts the net amount degree of transferring accounts after interest and other service charges, can be different according to the setting of specific financial institution side, This is without limitation.The block chain respectively closes the loan in accounts receivable side's node and accounts payable side's node After carrying out hash signature confirmation, intelligent contract accordingly can be generated according to the clause of the loan agreement, according to the intelligence Contract records subsequent refund process etc., and the intelligence contract includes the calculating generated according to the clause of the loan agreement Machine executes code.When financial institution side's node is made loans according to the loan agreement, accounts receivable side's node Gathering and hash signature are carried out to the loan issued, while accounts payable side's node carries out confirmation of transferring accounts to the loan issued And hash signature, and record to the block chain, it is operated to complete the financing based on accounts receivable and provide a loan.

To sum up, in the financing by accounts receivable loan system provided by the above embodiment based on block chain, accounts receivable side is logical It crosses block chain and financing loan is carried out to financial institution side with accounts receivable, All Activity process is recorded on block chain and own Process of exchange is required to tripartite's Signature Confirmation of accounts receivable side, financial institution side and accounts payable side, improves Financing efficiency With financing safety, and finance costs are reduced.

In one embodiment, accounts payable side's node 12 is also used to be transferred accounts by Token by the loan agreement Corresponding loan repayment is refunded to financial institution side's node 11 and by target accounts receivable to the accounts receivable Fang Jie Point 10, and record to the block chain, the target accounts receivable is the difference of the accounts payable and the loan；

Accounts receivable side's node 10 is also used to answer receipt on account to the target that accounts payable side's node 10 is refunded Money carries out funds on account gathering and hash signature, and records to the block chain；

Financial institution side's node 11 is also used to borrow the loan repayment that accounts payable side's node 12 is transferred accounts Money gathering and hash signature, and record to the block chain.

Here, when the corresponding loan of the loan agreement is less than accounts receivable, accounts payable side's node 12 passes through Token transfers accounts by the corresponding loan repayment of the loan agreement to financial institution side's node 11 and by the accounts payable It refunds with the difference of the loan to accounts receivable side's node 10, to complete the refund to accounts payable.It is described receivable Funds on account side's node 10 and financial institution side's node 11 carry out Hash label to the refund of accounts payable side's node 12 respectively It is uploaded to block chain after name, so that other nodes in block chain also would know that correlation circumstance, and can be used as depositing for refund process Card.It should be noted that accounts receivable side's node 10, it is also used to accounts payable side's node 12 to financial institution side The loan repayment of node 11 carries out confirmation of transferring accounts, and records to the block chain.In this way, directly carrying out refund behaviour on block chain Make, saved the time cost operated under line and human cost, improved efficiency, and can prevent from delaying refund behavior generation.

It referring to fig. 2, is a kind of financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention, it is described Financing by accounts receivable loan method based on block chain can be applied to the financing by accounts receivable shown in FIG. 1 based on block chain and borrow Money system, method includes the following steps:

Step S101: accounts receivable side's node issues the financing demand for loan for loan of financing on block chain, described Demand for loan of financing includes accounts receivable information, and the accounts receivable information carries out Hash by accounts receivable side's node in advance It is stored on the block chain after signature and encryption；

Step S102: financial institution side's node obtains the financing demand for loan from the block chain, to described receivable Accounts receivable side corresponding to accounts receivable information and accounts payable side carry out reference audit, reference draft after the approval for pair The financing loan carries out the loan agreement of loan administration, and is uploaded to after carrying out hash signature and endorsement to the loan agreement The block chain；

Step S103: accounts receivable side's node and accounts payable side's node call financial institution side's node respectively The loan agreement of publication, and the block chain is uploaded to after carrying out hash signature to the loan agreement；

Step S104: financial institution side's node gets accounts receivable side's node and the accounts payable Fang Jie After point carries out hash signature confirmation to the loan agreement respectively, transferred accounts by Token by the corresponding loan of the loan agreement It makes loans to accounts receivable side's node and records to the block chain；

Step S105: accounts receivable side's node issues financial institution side's node according to the loan agreement Loan carries out loan gathering and hash signature and accounts payable side's node to financial institution side's node according to The loan that loan agreement issues carries out transfer accounts confirmation and hash signature, and records to the block chain.

Here, described " financing loan system " refers to that establishing based on block chain is that accounts receivable side provides financing loan System, accounts receivable side's node, accounts payable side's node and financial institution side's node are located at financing loan In block chain network where money system.Wherein, accounts receivable side's node refer to it is receivable turn the corresponding node in money side, this is answered Receipts, which turn money side, can be supplier etc.；Accounts payable side's node 11, which refers to deal with, turns the corresponding node in money side, this, which is dealt with, turns Money side needs to turn the payment of money side because the unpaid expense of the purchase transaction such as commodity occurs to receivable, this, which is dealt with, turns money side and can be pin Sell company etc.；Financial institution side's node refers to the corresponding node in financial institution side, which, which can be, to mention For bank, the investment institution etc. of substantial contribution.It should be noted that " node " can be finger joint point device, i.e., it is described to answer Receipt on account money side node can refer to the node device corresponding to the accounts receivable side in block chain network, the accounts payable Fang Jiedian can refer to the node device corresponding to the accounts payable side in block chain network, financial institution side's node It can refer to the node device corresponding to the financial institution side in block chain network.Node device described in this specification, It can refer to server or client, which can be, but not limited to various personal computers, laptop, intelligent hand Machine, tablet computer etc., the server can be with independent servers or with the server cluster that multiple servers form come real It is existing, it is not specifically limited in the present specification.Each node device is to the transaction data for being distributed to block chain or intelligent contract When carrying out common recognition processing, used common recognition algorithm, and process of specifically knowing together, it is no longer described in detail in the present specification, Those skilled in the art, can be with reference to record in the related technology when the technical solution for recording this specification is put into effect.

Here, equal trading activities are sold between accounts receivable side and accounts payable side on credit, accounts receivable can be by answering Receipt on account money side node is stored on the block chain after accounts receivable information is carried out hash signature and encryption, and should be paid a bill Money can be will cope with after accounts receivable information carries out hash signature and encryption by accounts payable side's node and be stored in the block On chain, the accounts receivable information and the accounts payable information are correspondingly that that is, described accounts receivable information may include The information such as accounts payable side, accounts receivable, account due date, the accounts payable information may include accounts receivable side, should pay a bill The information such as money, due date.The data content institute it approved since hash signature is signer based on the private key of itself into Capable mathematics encryption, therefore, above-mentioned hash signature can be expressed as identification of the signer to relevant information, in addition, other sections Point not only can verify that identity corresponding to the public key of signer, it may also be used for verify data content is by verifying hash signature No process is distorted.It is described to being stored in after accounts receivable information progress hash signature and encryption by accounts receivable side's node On block chain, and it is described to being stored in after accounts payable information progress hash signature and encryption by accounts payable side's node On block chain, it can be ensured that the safety of information and reliable, can be reduced for financial institution side because information announcing is insufficient, Authenticity is difficult to ensure caused default risk.

Here, financial institution side's node is used for based on accounts receivable side's node with what accounts receivable information was initiated The financing demand for loan of financing loan can carry out accounts receivable side corresponding to the accounts receivable information and accounts payable side Whether internal reference audit, such as audit accounts receivable side and accounts payable side once traded either with or without Information fulfillment as agreed Behavior, including not refunding the behavior etc. of loan according to agreement repayment date or repayment amount, with determine whether can be to described It is made loans and/or is financed loan limit, loan interest rate, the payback period etc. of loan in accounts receivable side.It is audited and is tied according to reference Fruit, financial institution side's node can be stated in the loan agreement drafted it is described financing loan loan limit, the payback period, The clauses such as loan interest rate.The loan limit of above-mentioned financing loan either the amount for the loan principal that financial institution side provides, It is also possible to the full amount of the principal and interest of financial institution side's loan, can also be that the loan that financial institution side provides deducts benefit Net amount degree of transferring accounts after breath and other service charges, can be different according to the setting of specific financial institution side, do not limit herein It is fixed.The block chain respectively breathes out the loan agreement in accounts receivable side's node and accounts payable side's node After uncommon Signature Confirmation, intelligent contract accordingly can be generated according to the clause of the loan agreement, with according to the intelligent contract to rear Continuous refund process etc. is recorded, and the intelligence contract includes executing generation according to the computer that the clause of the loan agreement generates Code.When financial institution side's node is made loans according to the loan agreement, accounts receivable side's node is to issuing Loan carries out gathering and hash signature, while accounts payable side's node carries out transfer accounts confirmation and Hash label to the loan issued Name, and record to the block chain, it is operated to complete the financing based on accounts receivable and provide a loan.

To sum up, the financing by accounts receivable loan method provided by the above embodiment based on block chain, accounts receivable side passes through Block chain carries out financing loan to financial institution side with accounts receivable, and the All Activity process on block chain is required to three Square Signature Confirmation improves Financing efficiency and safety, and reduces finance costs.

In one embodiment, further includes:

Here, when the corresponding loan of the loan agreement is less than accounts receivable, accounts payable side's node passes through Token transfer accounts by the corresponding loan repayment of the loan agreement to financial institution side's node and by the accounts payable with The difference of the loan is refunded to accounts receivable side's node, to complete the refund to accounts payable.The accounts receivable Fang Jiedian and financial institution side's node are uploaded to after carrying out hash signature to the refund of accounts payable side's node respectively Block chain, so that other nodes in block chain also would know that correlation circumstance, and can be used as refund process deposits card.It needs to illustrate , accounts receivable side's node 1 also to accounts payable side's node to the loan repayment of financial institution side's node carry out It transfers accounts confirmation, and records to the block chain.In this way, directly refunding on block chain, the time operated under line has been saved And human cost, efficiency is improved, and can prevent from delaying refund behavior generation.

It is described for a kind of financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention referring to Fig. 3 Financing by accounts receivable loan method based on block chain can be applied to accounts receivable side's node 10 shown in FIG. 1, this method packet Include following steps:

Step S201: accounts receivable side's node issues the financing demand for loan for loan of financing on block chain, described Demand for loan of financing includes accounts receivable information, and the accounts receivable information carries out Hash by accounts receivable side's node in advance It is stored on the block chain after signature and encryption；

Step S202: accounts receivable side's node calling financial institution side's node publication is used to provide a loan to the financing The loan agreement for carrying out loan administration is uploaded to the block chain after carrying out hash signature to the loan agreement；

Step S203: accounts receivable side's node issues financial institution side's node according to the loan agreement Loan carries out loan gathering and hash signature, and records to the block chain.

Here, equal trading activities are sold between accounts receivable side and accounts payable side on credit, accounts receivable can be by answering Receipt on account money side node is stored on the block chain after accounts receivable information is carried out hash signature and encryption, described receivable Accounts receivable information may include the information such as accounts payable side, accounts receivable, account due date.Accounts receivable side's node is based on accounts receivable Information issues the financing demand for loan for loan of financing on block chain, and is borrowed to financial institution side's node according to the financing The loan agreement of money demand publication is uploaded to the block chain after carrying out hash signature, since hash signature is signer base It is encrypted in the mathematics that the private key of itself carries out the data content that it is approved, therefore, above-mentioned hash signature can be expressed as Identification of the signer to relevant information, and other nodes not only can verify that the public key institute of signer is right by verifying hash signature The identity answered, it may also be used for whether verify data content is by distorting.In addition, first passing through accounts receivable side's node in advance corresponds to receipt on account Money information is stored on the block chain after carrying out hash signature and encryption, it can be ensured that and the safety of information and reliable is right It can be reduced for financial institution side because of the default risk caused by information announcing is insufficient, authenticity is difficult to ensure.

After accounts receivable side's node initiates the financing demand for loan for loan of financing with accounts receivable information, if golden Melt mechanism side's node and be based on the corresponding loan agreement of financing demand for loan generation, then accounts receivable side's node can call The loan agreement, and it is uploaded to block chain after carrying out hash signature to the loan agreement, to show that accounts receivable side is agreed to Financing loan is carried out according to the loan agreement.And when financial institution side's node is made loans according to the loan agreement When, accounts receivable side's node carries out gathering and hash signature to the loan issued, and records to the block chain, thus complete It provides a loan and operates at the financing based on accounts receivable.

To sum up, in the financing by accounts receivable loan method provided by the above embodiment based on block chain, accounts receivable side is logical It crosses block chain and financing loan is carried out to financial institution side with accounts receivable, All Activity process is recorded on block chain and own Process of exchange is required to tripartite's Signature Confirmation, improves Financing efficiency and financing safety, and reduce finance costs.

In one embodiment, the method also includes:

Accounts receivable side's node carries out funds on account gathering to the target accounts receivable that accounts payable side's node is refunded And hash signature, and record to the block chain, the target accounts receivable is the difference of the accounts payable and the loan.

Here, when the corresponding loan of the loan agreement is less than accounts receivable, accounts receivable side's node is to described The refund of accounts payable side's node is uploaded to block chain after carrying out hash signature, so that other nodes in block chain also would know that Correlation circumstance, and can be used as refund process deposits card.It should be noted that accounts receivable side's node is also used to answer described Money side's node of paying a bill to the loan repayment of financial institution side's node carries out confirmation of transferring accounts, and records to the block chain.In this way, straight It connects and carries out refund operation on block chain, saved the time cost operated under line and human cost, improve efficiency, and can It prevents from delaying refund behavior generation.

It referring to fig. 4, is a kind of financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention, it is described Financing by accounts receivable loan method based on block chain can be applied to financial institution side's node 11 shown in FIG. 1, this method packet Include following steps:

Step S301: financial institution side's node obtains providing a loan for financing for accounts receivable side's node initiation from block chain Financing demand for loan, the financing demand for loan includes accounts receivable information；

Step S302: financial institution side's node is to accounts receivable side corresponding to the accounts receivable information and deals with Funds on account side carries out reference audit, closes in the loan that reference is drafted after the approval for carrying out loan administration to the financing loan Together, and after carrying out hash signature and endorsement to the loan agreement it is uploaded to the block chain；

Step S303: financial institution side's node gets accounts receivable side's node and accounts payable side's node point After the other progress hash signature confirmation to the loan agreement, is transferred accounts by Token and the corresponding loan of the loan agreement is made loans To accounts receivable side's node and record to the block chain.

Here, financial institution side's node is used for based on accounts receivable side's node with what accounts receivable information was initiated The financing demand for loan of financing loan can carry out accounts receivable side corresponding to the accounts receivable information and accounts payable side Whether internal reference audit, such as audit accounts receivable side and accounts payable side once traded either with or without Information fulfillment as agreed Behavior, including not refunding the behavior etc. of loan according to agreement repayment date or repayment amount, with determine whether can be to described It is made loans and/or is financed loan limit, loan interest rate, the payback period etc. of loan in accounts receivable side.It is audited and is tied according to reference Fruit, financial institution side's node can be stated in the loan agreement drafted it is described financing loan loan limit, the payback period, The clauses such as loan interest rate.The loan limit of above-mentioned financing loan either the amount for the loan principal that financial institution side provides, It is also possible to the full amount of the principal and interest of financial institution side's loan, can also be that the loan that financial institution side provides deducts benefit Net amount degree of transferring accounts after breath and other service charges, can be different according to the setting of specific financial institution side, do not limit herein It is fixed.The block chain respectively breathes out the loan agreement in accounts receivable side's node and accounts payable side's node After uncommon Signature Confirmation, intelligent contract accordingly can be generated according to the clause of the loan agreement, with according to the intelligent contract to rear Continuous refund process etc. is recorded, and the intelligence contract includes executing generation according to the computer that the clause of the loan agreement generates Code.Financial institution side's node respectively closes the loan in accounts receivable side's node and accounts payable side's node It after carrying out hash signature confirmation, is made loans, and is recorded to the block chain according to the loan agreement, to complete to be based on The financing of accounts receivable, which is provided a loan, to be operated.

To sum up, in the financing by accounts receivable loan method provided by the above embodiment based on block chain, financial institution's root The financing loan initiated according to accounts receivable side by block chain with accounts receivable carries out loan operation to accounts receivable side, in area All Activity process is recorded on block chain and All Activity process is required to accounts receivable side, financial institution side and accounts payable side Tripartite's Signature Confirmation, improve Financing efficiency and financing safety, and reduce finance costs.

In one embodiment, the method also includes: financial institution side's node is to accounts payable side's node The loan repayment transferred accounts carries out loan gathering and hash signature, and records to the block chain.

Here, financial institution side's node is uploaded to after carrying out hash signature to the refund of accounts payable side's node Block chain, so that other nodes in block chain also would know that correlation circumstance, and can be used as refund process deposits card.In this way, straight It connects and carries out refund operation on block chain, saved the time cost operated under line and human cost, improve efficiency, and can It prevents from delaying refund behavior generation.

It is described for a kind of financing by accounts receivable loan method based on block chain provided in an embodiment of the present invention referring to Fig. 5 Financing by accounts receivable loan method based on block chain can be applied to accounts payable side's node 12 shown in FIG. 1, this method packet Include following steps:

Step S401: accounts payable side's node call financial institution side's node to be based on accounts payable information is corresponding answers receipt on account The loan agreement that the financing demand for loan that money side initiates is issued, it is described to being uploaded to after loan agreement progress hash signature Block chain, the accounts payable information are stored in after carrying out hash signature and encryption by accounts payable side's node in advance On the block chain；

Step S402: accounts payable side's node issues financial institution side's node according to the loan agreement Loan carries out transfer accounts confirmation and hash signature, and records to the block chain.

Here, when selling equal trading activities between accounts receivable side and accounts payable side on credit, accounts payable can pass through Accounts payable side's node will cope with after accounts receivable information carries out hash signature and encryption and be stored on the block chain, described to answer Paying accounts receivable information may include the information such as accounts receivable side, accounts payable, due date.The accounts payable information and answer receipt on account The accounts receivable information that money side is uploaded to block chain corresponds.Accounts payable information is breathed out by accounts payable side's node It is stored on the block chain after uncommon signature and encryption, it can be ensured that the safety of information and reliable, for financial institution side For can reduce because of the default risk caused by information announcing is insufficient, authenticity is difficult to ensure.The accounts payable Fang Jie Point by financial institution side's node according to it is described financing demand for loan publication the loan agreement carry out hash signature after on The block chain is reached, shows that accounts payable side carries out financing loan based on corresponding accounts receivable information to accounts receivable side Operation expresses one's approval.

And when financial institution side's node is made loans according to the loan agreement, accounts payable side's node pair The loan issued carries out transfer accounts confirmation and hash signature, and records to the block chain, to complete melting based on accounts receivable Money loan operation.

To sum up, in the financing by accounts receivable loan method provided by the above embodiment based on block chain, in accounts receivable side By block chain with accounts receivable to financial institution side carry out financing loan when, on block chain record All Activity process and All Activity process is required to tripartite's Signature Confirmation of accounts receivable side, financial institution side and accounts payable side, improves financing Efficiency and financing safety, and reduce finance costs.

In one embodiment, the method also includes: accounts payable side's node is transferred accounts by Token by the loan The corresponding loan repayment of money contract is refunded to financial institution side's node and by target accounts receivable to the accounts receivable Fang Jiedian, and record to the block chain, the target accounts receivable is the difference of the accounts payable and the loan.

Here, when the corresponding loan of the loan agreement is less than accounts receivable, accounts payable side's node passes through Token transfer accounts by the corresponding loan repayment of the loan agreement to financial institution side's node and by the accounts payable with The difference of the loan is refunded to accounts receivable side's node, to complete the refund to accounts payable.In this way, directly in area Refund operation is carried out on block chain, has saved the time cost operated under line and human cost, improves efficiency, and can prevent from dragging Prolong refund behavior generation.

Based on the identical inventive concept of previous embodiment, the embodiment of the invention provides a kind of computer equipments, such as Fig. 6 institute Show, which includes: processor 310 and for storing depositing for the computer program that can be run on processor 310 Reservoir 311；Wherein, the number that the processor 310 illustrated in Fig. 6 is not intended to refer to processor 310 is one, is only used for Refer to positional relationship of the processor 310 with respect to other devices, in practical applications, the number of processor 310 can for one or It is multiple；Equally, the memory 311 illustrated in Fig. 6 is also same meaning, that is, is only used for referring to memory 311 with respect to other devices The positional relationship of part, in practical applications, the number of memory 311 can be one or more.The processor 310 is for transporting When the row computer program, the above-mentioned financing by accounts receivable loan method based on block chain is realized.

The computer equipment may also include at least one network interface 312.Various components in the computer equipment pass through Bus system 313 is coupled.It is understood that bus system 313 is for realizing the connection communication between these components.Total linear system System 313 further includes power bus, control bus and status signal bus in addition in addition to including data/address bus.But for clear theory For the sake of bright, various buses are all designated as bus system 313 in Fig. 6.

Wherein, memory 311 can be volatile memory or nonvolatile memory, may also comprise volatibility and Fei Yi Both the property lost memories.Wherein, nonvolatile memory can be read-only memory (ROM, Read Only Memory), can compile Journey read-only memory (PROM, Programmable Read-Only Memory), Erasable Programmable Read Only Memory EPROM (EPROM, Erasable Programmable Read-Only Memory), electrically erasable programmable read-only memory The storage of (EEPROM, Electrically Erasable Programmable Read-Only Memory), magnetic random access Device (FRAM, ferromagnetic random access memory), flash memory (Flash Memory), magnetic surface are deposited Reservoir, CD or CD-ROM (CD-ROM, Compact Disc Read-Only Memory)；Magnetic surface storage can be Magnetic disk storage or magnetic tape storage.Volatile memory can be random access memory (RAM, Random Access Memory), it is used as External Cache.By exemplary but be not restricted explanation, the RAM of many forms is available, such as Static random access memory (SRAM, Static Random Access Memory), synchronous static random access memory (SSRAM, Synchronous Static Random Access Memory), dynamic random access memory (DRAM, Dynamic Random Access Memory), Synchronous Dynamic Random Access Memory (SDRAM, Synchronous Dynamic Random Access Memory), double data speed synchronous dynamic RAM (DDRSDRAM, Double Data Rate Synchronous Dynamic Random Access Memory), enhanced synchronous dynamic random Access memory (ESDRAM, Enhanced Synchronous Dynamic Random Access Memory), synchronized links Dynamic random access memory (SLDRAM, SyncLink Dynamic Random Access Memory), direct rambus Random access memory (DRRAM, Direct Rambus Random Access Memory).Description of the embodiment of the present invention is deposited Reservoir 311 is intended to include but is not limited to the memory of these and any other suitable type.

Memory 311 in the embodiment of the present invention is for storing various types of data to support the behaviour of the computer equipment Make.The example of these data includes: any computer program for operating on the computer device, such as operating system and answered Use program；Contact data；Telephone book data；Message；Picture；Video etc..Wherein, operating system includes various system programs, Such as ccf layer, core library layer, driving layer etc., for realizing various basic businesses and the hardware based task of processing.Using Program may include various application programs, such as media player (Media Player), browser (Browser) etc., be used for Realize various applied business.Here, the program for realizing the present embodiment method may include in the application.

Based on the identical inventive concept of previous embodiment, the present embodiment additionally provides a kind of computer storage medium, described Be stored with computer program in computer storage medium, computer storage medium can be magnetic RAM (FRAM, Ferromagnetic random access memory), read-only memory (ROM, Read Only Memory), it is programmable only Read memory (PROM, Programmable Read-Only Memory), Erasable Programmable Read Only Memory EPROM (EPROM, Erasable Programmable Read-Only Memory), electrically erasable programmable read-only memory (EEPROM, Electrically Erasable Programmable Read-Only Memory), flash memory (Flash Memory), magnetic surface storage, CD or CD-ROM (CD-ROM, Compact Disc Read-Only Memory) etc. Memory；Be also possible to include one of above-mentioned memory or any combination various equipment, such as mobile phone, computer, plate Equipment, personal digital assistant etc..When the computer program stored in the computer storage medium is run by processor, realization is answered For the financing by accounts receivable loan method described in above-mentioned computer equipment based on block chain.The computer program is processed The specific steps process that device is realized when executing please refers to the description of Fig. 3, Fig. 4 or embodiment illustrated in fig. 5, and details are not described herein.

Based on the identical inventive concept of previous embodiment, the present embodiment is by specific example to the technical side of previous embodiment Case is described in detail.It is the detailed process of the financing by accounts receivable loan method in the present embodiment based on block chain referring to Fig. 7 Schematic diagram, wherein financial institution side: for such as bank, financial institution etc. to provide with funds；Accounts receivable side: including accounts receivable Pond, the accounts receivable pond include all unfinished accounts receivable items, will be used to initiate financing loan to financial institution side, to pass Upstream supplier in Financing Mode of uniting generates；Accounts payable side: including accounts payable pond, which includes to correspond to Unfinished accounts payable item, be traditional mode in core enterprise generate；Block chain: the block chain technology of introducing, at this Under technology, all related organizations need cochain, and financing by accounts receivable process is carried out and recorded on chain.In above-mentioned loan financing method Operation relate generally to block Block i in the block chain, Block j, Block k and Block l for, it is assumed that Block I is mainly used for storing the data such as accounts receivable and accounts payable, and Block j is mainly used for storing the data such as loan agreement, Block K is mainly used for storage loan and the data such as makes loans, and Block l is mainly used for storage loan and the data such as makes loans, this method comprises:

Step S1.Hash signature；

Specifically, the corresponding accounts receivable and accounts payable generated between enterprise adds through enterprise's both sides' Hash Signature Confirmation It is close to upload to block Block i.

Step S2. initiates to provide a loan to financial institution, accounts receivable transfer；

Specifically, accounts receivable side initiates financing demand for loan to financial institution with accounts receivable, at this time accounts receivable portion Divide and freezes, ownership transfer to financial institution.

Step S3. audits both sides' reference, Hash Signature Confirmation loan agreement；

Specifically, the reference of financial institution's audit accounts receivable side and accounts payable side drafts loan agreement, Hash label Name, endorses and is uploaded to block Block j.Corresponding enterprise both sides Hash signature, confirms loan agreement, forms three on block The intelligent contract just confirmed.

Step S4. loan makes loans, collects money and transfer accounts with confirmation；

Specifically, financial institution by Token transfer accounts by loan make loans and Hash signature, accounts receivable correspond to enterprise collect money And Hash signs, accounts payable corresponds to enterprise's Hash Signature Confirmation and transfers accounts, and is recorded in block Block k.

Step S5. loan repayment pays funds on account；

Specifically, it (checks and accepts and completes such as delivery) after the completion of respective transaction, intelligent contract comes into force automatically, will cope with pair of funds on account It answers enterprise Token to transfer accounts loan repayment to financial institution, remaining funds on account is paid to the enterprise of corresponding accounts receivable.Gathering is double Side's Hash Signature Confirmation gathering, is recorded in block Block l.

To sum up, the financing by accounts receivable loan method provided in this embodiment based on block chain, has the advantages that following two is big: First is that high efficiency, simplifies the process of traditional financing by accounts receivable mode, all related procedures are such as signed a contract, are traded directly It connects and concentrates on block chain management, and the technologies such as automatic execution of intelligent contract accelerate Capital Flow.For financial institution, enterprise Accounts receivable reduces audit cost in recording on chain.Enterprise is corresponded to for accounts receivable, accounts payable, improves loan effect Rate is conducive to enterprise development.Second is that safety, the All Activity on block chain has encryption through tripartite's Hash Signature Confirmation Technical management ensure that accounts receivable pond and accounts payable pond correspond to the fund security and information security of enterprise, also reduce separated About risk keeps the loan of financial institution safer reliable.

Each technical characteristic of embodiment described above can be combined arbitrarily, for simplicity of description, not to above-mentioned reality It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited In contradiction, all should be considered as described in this specification.

Herein, the terms "include", "comprise" or any other variant thereof is intended to cover non-exclusive inclusion, are removed It comprising those of listed element, but also may include other elements that are not explicitly listed.

The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain Lid is within protection scope of the present invention.Therefore, protection scope of the present invention should be based on the protection scope of the described claims.

Claims

A kind of method 1. financing by accounts receivable based on block chain is provided a loan, which is characterized in that the described method includes:

Accounts receivable side's node issues the financing demand for loan for loan of financing, the financing demand for loan packet on block chain Accounts receivable information is included, the accounts receivable information carries out hash signature and encryption by accounts receivable side's node in advance After be stored on the block chain；

Financial institution side's node obtains the financing demand for loan from the block chain, to corresponding to the accounts receivable information Accounts receivable side and accounts payable side carry out reference audit, reference draft after the approval for it is described financing provide a loan into The loan agreement of row loan administration, and the block chain is uploaded to after carrying out hash signature and endorsement to the loan agreement；

Accounts receivable side's node and accounts payable side's node call the loan of financial institution side's node publication respectively Money contract, and the block chain is uploaded to after carrying out hash signature to the loan agreement；

Financial institution side's node gets accounts receivable side's node and accounts payable side's node respectively to described After loan agreement carries out hash signature confirmation, transfers accounts to make loans the corresponding loan of the loan agreement to described by Token and answer Receipt on account money side node is simultaneously recorded to the block chain；

Accounts receivable side's node provides a loan to financial institution side's node according to the loan that the loan agreement issues Gathering and hash signature and accounts payable side's node issue financial institution side's node according to the loan agreement Loan carry out transfer accounts confirmation and hash signature, and record to the block chain.
The method 2. financing by accounts receivable according to claim 1 based on block chain is provided a loan, which is characterized in that the method Further include:

Accounts payable side's node is transferred accounts by Token by the corresponding loan repayment of the loan agreement to the financial institution Fang Jiedian and target accounts receivable is refunded to accounts receivable side's node, and recorded to the block chain, the target Accounts receivable is the difference of the accounts payable and the loan；

Accounts receivable side's node carries out funds on account gathering to the target accounts receivable that accounts payable side's node is refunded And hash signature, and record to the block chain；

The loan repayment that financial institution side's node transfers accounts to accounts payable side's node carries out loan gathering and Hash label Name, and record to the block chain.
3. a kind of financing by accounts receivable loan system based on block chain, which is characterized in that the system comprises accounts payable sides Node, financial institution side's node and accounts payable side's node；Wherein,

Accounts payable side's node, for financing demand for loan of the publication for loan of financing, the financing on block chain Demand for loan includes accounts receivable information, and the accounts receivable information carries out hash signature by accounts receivable side's node in advance Be stored in after encryption on the block chain；

Financial institution side's node, for obtaining the financing demand for loan from the block chain, to the accounts receivable Accounts receivable side corresponding to information and accounts payable side carry out reference audit, are drafted after the approval in reference for described Financing loan carries out the loan agreement of loan administration, and described to being uploaded to after loan agreement progress hash signature and endorsement Block chain；

Accounts receivable side's node is also used to call the loan agreement of financial institution side's node publication, to described Loan agreement is uploaded to the block chain after carrying out hash signature；

Accounts payable side's node, for calling the loan agreement of financial institution side's node publication, to the loan Money contract is uploaded to the block chain after carrying out hash signature；

Financial institution side's node is also used to get accounts receivable side's node and accounts payable side's node difference To the loan agreement carry out hash signature confirmation after, by Token transfer accounts by the loan agreement it is corresponding loan make loans to Accounts receivable side's node is simultaneously recorded to the block chain；

Accounts receivable side's node, the loan for being also used to issue financial institution side's node according to the loan agreement into The gathering of row loan and hash signature, and record to the block chain；

Accounts payable side's node, the loan for being also used to issue financial institution side's node according to the loan agreement into Capable transfer accounts confirmation and hash signature, and record to the block chain.
4. the financing by accounts receivable loan system according to claim 3 based on block chain, which is characterized in that

Accounts payable side's node is also used to transfer accounts by Token by the corresponding loan repayment of the loan agreement to described Financial institution side's node and target accounts receivable is refunded to accounts receivable side's node, and recorded to the block chain, The target accounts receivable is the difference of the accounts payable and the loan；

Accounts receivable side's node is also used to carry out account to the target accounts receivable that accounts payable side's node is refunded Money gathering and hash signature, and record to the block chain；

Financial institution side's node, be also used to carry out the loan repayment that accounts payable side's node is transferred accounts loan gathering and Hash signature, and record to the block chain.
A kind of method 5. financing by accounts receivable based on block chain is provided a loan, is applied to accounts receivable side's node, which is characterized in that institute The method of stating includes:

Accounts receivable side's node issues the financing demand for loan for loan of financing on block chain, and the financing loan needs It asks including accounts receivable information, the accounts receivable information carries out hash signature and encryption by accounts receivable side's node in advance It is stored in after processing on the block chain；

That calls the publication of financial institution side's node carries out the loan agreement of loan administration for providing a loan the financing, to the loan Money contract is uploaded to the block chain after carrying out hash signature；

Loan gathering and hash signature are carried out according to the loan that the loan agreement issues to financial institution side's node, and remembered It records to the block chain.
A kind of method 6. financing by accounts receivable based on block chain is provided a loan, is applied to financial institution side's node, which is characterized in that institute The method of stating includes:

Financial institution side's node obtains the melting for loan of financing of accounts receivable side's node initiation from the block chain Demand for loan is provided, the financing demand for loan includes accounts receivable information；

Reference audit is carried out to accounts receivable side corresponding to the accounts receivable information and accounts payable side, it is logical in reference audit Later the loan agreement for carrying out loan administration to the financing loan is drafted, and hash signature is carried out to the loan agreement With the block chain is uploaded to after endorsement；

It gets accounts receivable side's node and accounts payable side's node and Hash label is carried out to the loan agreement respectively After name confirmation, is transferred accounts by Token and the corresponding loan of the loan agreement is made loans to accounts receivable side's node and recorded To the block chain.
A kind of method 7. financing by accounts receivable based on block chain is provided a loan, is applied to accounts payable side's node, which is characterized in that institute The method of stating includes:

Accounts payable side's node calls financial institution side's node to be based on the corresponding accounts receivable side of accounts payable information and initiates The loan agreement issued of financing demand for loan, be uploaded to the block chain after carrying out hash signature to the loan agreement, The accounts payable information is stored in the area after carrying out hash signature and encryption by accounts payable side's node in advance On block chain；

The loan issued to financial institution side's node according to the loan agreement carries out transfer accounts confirmation and hash signature, and remembers It records to the block chain.
The method 8. financing by accounts receivable according to claim 7 based on block chain is provided a loan, which is characterized in that further include:

It is transferred accounts by Token by the corresponding loan repayment of the loan agreement to financial institution side's node and answers target Receipt on account money is refunded to accounts receivable side's node, and is recorded to the block chain, and the target accounts receivable is described deals with The difference of funds on account and the loan.
9. a kind of computer equipment characterized by comprising processor and for storing the calculating that can be run on a processor The memory of machine program,

Wherein, when the processor runs the computer program, realize as described in any one of claim 5 to 8 based on The financing by accounts receivable loan method of block chain.
10. a kind of computer storage medium, which is characterized in that be stored with computer program, the computer program is by processor When execution, the financing by accounts receivable loan method based on block chain as described in any one of claim 5 to 8 is realized.