CN110737721A - Receivable account transfer financing method and device based on block chain architecture - Google Patents
Receivable account transfer financing method and device based on block chain architecture Download PDFInfo
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Abstract
The invention provides accounts receivable transfer financing methods and devices based on a block chain architecture, wherein the method comprises the steps that a buyer node or a -level supplier node adds a constructed purchasing agreement block into a block chain, the buyer node generates an electronic creditor certificate aiming at a purchasing agreement, the -level supplier node adds the constructed electronic creditor certificate block into the block chain, the -level supplier node adds the constructed transfer block into the block chain after receiving an electronic creditor transfer instruction initiated by a -level supplier, the transferee node adds the constructed accounts receivable transfer request block into the block chain after receiving an accounts receivable transfer financing request initiated by the transferee, and a fund provider node evaluates the accounts receivable financing request and adds the constructed financing result block into the block chain.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to receivable account transfer financing methods and devices based on a blockchain architecture.
Background
The receivable financing means that the enterprise sets a pledge for the legally owned receivable accounts to the bank as a repayment guarantee, but the bank does not carry short-term financing of any debt of the enterprise under the receivable accounts. During the loan, the discounted pledge must not be below the loan balance. When the discounted pledge accounts receivable are not enough in the loan period, the enterprise should supplement and replace the new accounts receivable meeting the requirements according to the requirements of the bank. After the debt guaranteed by the receivable pledge is expired, the lender (enterprise) does not fulfill the debt clearing obligation, and the quality right (bank) has the right to directly receive the receivable to the secondary debt (receivable payment payer) to realize the quality right and withdraw the loan interest.
The technical problem that the existing receivable money transfer financing scheme has is that: the various organizations and enterprises cannot share data with each other. The process of crossing the mechanism and crossing the enterprise can not be carried out automatically, the speed is slow, the efficiency is low, the cost is high, and the method can not adapt to the continuously evolving demand of the receivable account transfer financing business. Data among all accounts receivable circulation financing participants are not transparent, so that data tampering and other phenomena are easy to occur in the accounts receivable circulation financing process, data cannot be traced, and fund providers cannot finance with untrue accounts receivable.
In summary, the existing receivable payment transfer financing scheme has low security and low efficiency, which results in limited receivable payment transfer financing service.
Disclosure of Invention
The embodiment of the invention provides receivable cash flow financing methods based on a blockchain architecture, which are used for improving the safety and efficiency of receivable cash flow financing, wherein receivable cash flow financing participant nodes form blockchain nodes, the blockchain nodes comprise a buyer node, a -level supplier node, a transferee supplier node and a fund provider node, and the receivable cash flow financing method based on the blockchain architecture comprises the following steps:
the purchasing side node or level supplier node receives the purchasing agreement signed by the purchasing side and level supplier on line, constructs purchasing agreement blocks, and adds the purchasing agreement blocks into the block chain;
the method comprises the steps that a buyer node determines source assets of which the types are accounts receivable according to a credit line approved by a fund provider in advance and a purchasing agreement with an -grade supplier, establishes assets of which the types are electronic creditors based on the source assets and opens electronic creditor certificates, wherein the creditor of the electronic creditors is the buyer and the holder is the -grade supplier;
the -level supplier node constructs electronic creditor certificate blocks according to the signed electronic creditor certificates, and adds the electronic creditor certificate blocks into a block chain, wherein the electronic creditor certificate blocks comprise debtor, holder and amount;
after receiving an electronic credit transfer instruction initiated by an -level supplier, a -level supplier node constructs a transfer block for transferring the electronic credit to a transferee, and adds the transfer block into a block chain;
after receiving an accounts receivable financing request initiated by a transferee, the transferee node constructs accounts receivable financing request blocks for transferring electronic debt to a fund provider, and adds the accounts receivable financing request blocks into a block chain;
the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
The embodiment of the invention also provides receivable cash flow financing devices based on the blockchain architecture, which are used for improving the safety and efficiency of receivable cash flow financing, and the blockchain nodes comprise a buyer node, a -level supplier node, a transferee supplier node and a fund provider node, wherein:
the purchasing side node or -level supplier node is used for receiving a purchasing protocol signed by a purchasing side and a -level supplier on line, constructing purchasing protocol blocks and adding the purchasing protocol blocks into a block chain;
the buyer node is also used for determining source assets with types of accounts receivable aiming at a purchasing agreement with a -grade supplier according to a credit line approved by a fund provider in advance, establishing types of assets with electronic debt rights based on the source assets, and opening an electronic debt certificate, wherein the debt party of the electronic debt rights is the buyer, and the holder is the -grade supplier;
the -level supplier node is also used for constructing electronic creditor certificate blocks according to the signed electronic creditor certificates and adding the electronic creditor certificate blocks into a block chain, wherein the electronic creditor certificate blocks comprise debtor, holder and quota;
the system comprises a transferee supplier node, a block chain and a financial institution, wherein the transferee supplier node is used for constructing accounts receivable financing request blocks for transferring electronic debt to a fund provider after receiving an accounts receivable financing request initiated by a transferee supplier, and adding the accounts receivable financing request blocks into the block chain;
the fund provider node is used for evaluating the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructing a financing result block according to an evaluation result and adding the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
The embodiment of the invention also provides computer devices, which comprise a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the receivable flow financing method based on the blockchain architecture.
An embodiment of the present invention further provides computer-readable storage media, where the computer-readable storage media stores a computer program for executing the method for financing an accounts receivable flow based on a blockchain architecture.
Compared with the prior art, in the technical scheme provided by the embodiment of the invention, the accounts receivable transfer financing participant nodes form block chain nodes, the block chain nodes comprise a buyer node, a -level supplier node, an acquirer node and a fund provider node, the accounts receivable transfer financing scheme based on the block chain architecture realizes the electronic fund transfer request by the buyer node approving the credit limit to the buyer in advance according to the fund provider, determining -type source assets as accounts receivable according to the procurement agreement with -level supplier, establishing -type assets as electronic trade credit blocks based on the source assets, opening electronic credit vouchers, the supplier of the electronic supply goods is the buyer and the holder is the -level supplier, the -level supplier node constructs 7-type electronic credit vouchers according to the signed electronic credit right, and adds the electronic credit creditor vouchers into the block chain blocks, the electronic credit creditor creditors, the holder and the transferor the supplier node constructs a safe transfer creditor transfer block, the electronic credit transfer creditor, the block transfer creditors, the block and the electronic credit transfer accounts receivable transfer result of the transfer financing participant nodes and the electronic credit transfer accounts receivable transfer accounts, the electronic credit transfer accounts receivable transfer accounts, the block transfer creditor and the electronic credit transfer financing participant node, the electronic credit transfer request achieves the electronic credit transfer financing block, the electronic credit transfer block of the electronic credit transfer creditor, the electronic credit transfer block of the electronic credit debit account transfer block is established by the electronic credit transfer block, the electronic finance request is established by the electronic finance transfer block, the electronic credit debit account transfer block is established by the electronic fund transfer block, the electronic credit transfer block is established by the electronic credit.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and constitute a part of this application and not limiting of the invention, are illustrated in the accompanying drawings, in which:
FIG. 1 is a flow chart illustrating a method for financing accounts receivable flows based on a blockchain architecture according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating an accounts receivable flow financing architecture in accordance with an embodiment of the present invention;
FIG. 3 is a diagram illustrating another receivables flow financing architecture in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram illustrating financing of receivables flow based on blockchain architecture in accordance with an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an account receivable flow financing apparatus based on a blockchain architecture according to an embodiment of the present invention.
Detailed Description
To make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further with reference to the following embodiments and accompanying drawings.
The inventor finds that the application of the blockchain as a distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and other technologies is considered as an overturned innovation of a computing mode after a mainframe, a personal computer and the internet, and is likely to cause new technical innovation and industry change in the global scope, the blockchain technology originates from a Zhang-based paper 'Bingzi electronic cash system' published in 2008 by a scholaree named 'Zhongsheng Nakamoto', narrowly speaking, the blockchain is chained data structures of which are formed by combining data blocks in a sequential connection mode according to time sequence, and is a distributed financial book which is guaranteed to be not falsified and counterfeitable in a cryptographic mode, , the blockchain technology is a brand-new distributed contract computing architecture which is formed by verifying and storing data by using the blockchain data structures, generating and updating data by using a distributed node consensus algorithm, guaranteeing the security of data transmission and access by using a cryptographic mode, and programming intelligent contract data by using an automated script and an operation code.
Therefore, the inventor proposes receivable account transfer financing schemes based on the blockchain architecture, the scheme realizes large-scale data sharing through a decentralization technical scheme, all related parties of the trade and the whole trade process are on-line through the construction of a blockchain alliance, the on-line confirmation of the trade authenticity is realized, the automatic execution of receivable account transfer financing business is realized, the efficiency of the receivable account transfer financing business is improved, the risk of the receivable account transfer financing business is reduced, and meanwhile, the problems of splitting and transferring of receivable accounts can be solved.
According to the invention, the block chain-based movable property asset transfer ecological circle is formed by adding alliance chains to each merchant, each fund provider, each financing cooperative platform, each logistics mechanism (including carriers), each quality inspection mechanism, each notarization mechanism, each judicial institution and the like, so that the transparency, traceability and tamper resistance of data among accounts receivable transfer financing participants are ensured, the safety and efficiency of accounts receivable transfer financing are improved, and the development of accounts receivable transfer financing business is greatly promoted. The blockchain architecture-based receivables flow financing scheme is described in detail below.
Fig. 1 is a schematic flow chart of an accounts receivable flow financing method based on a blockchain architecture according to an embodiment of the present invention, where the accounts receivable flow financing participant nodes form blockchain nodes, and the blockchain nodes may include a buyer node, an -level supplier node, an acquirer supplier node, and a fund provider node, as shown in fig. 1, the method includes:
101, the purchasing side node or level supplier node receives a purchasing protocol signed by the purchasing side and level supplier on line, constructs purchasing protocol blocks and adds the purchasing protocol blocks into a block chain;
102, a buyer node determines source assets with types of accounts receivable according to a credit amount preapproved by a fund provider and a purchasing agreement with an -grade supplier, establishes assets with types of electronic debt rights based on the source assets, and opens an electronic debt certificate, wherein a debt party of the electronic debt rights is the buyer, and a holder is the -grade supplier;
103, -level supplier nodes construct electronic creditor certificate blocks according to the signed electronic creditor certificates, and add the electronic creditor certificate blocks into a block chain, wherein the electronic creditor certificate blocks comprise debtor, holder and amount;
104, after receiving an electronic credit transfer instruction initiated by an -grade supplier, constructing a transfer block for transferring the electronic credit to a transferee by a -grade supplier node, and adding the transfer block into a block chain;
105, after receiving an accounts receivable financing request initiated by a transferee, constructing accounts receivable financing request blocks for transferring electronic debt to a fund provider by a transferee node, and adding the accounts receivable financing request blocks into a block chain;
step 106: the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
The receivable account transfer financing method based on the block chain architecture provided by the embodiment of the invention works as follows:
first, a supplier shipper at level such as the shipper application at level or a buyer such as the buyer application at the buyer node signs the purchase agreement online, and the buyer node or the supplier node receives the purchase agreement signed online by the buyer and the supplier, constructs blocks of the purchase agreement and adds the blocks of the purchase agreement into a block chain, and at this time, the accounts receivable flow financing participant node (only authorized participant node and supervisor node controlled by intelligent contract) on the chain knows that there are blocks of the purchase agreement, that is, the purchase agreement in the block is broadcasted to the chain.
Secondly, the buyer node determines source assets with types of accounts receivable according to credit limits approved by a fund provider in advance to the buyer and a purchasing agreement with a supplier at level, establishes assets with types of electronic debt rights based on the source assets, and opens electronic debt rights vouchers (for example, an electronic payment acceptance letter), wherein the debt party of the electronic debt rights is the buyer and the holder is the supplier at level, the supplier node at level constructs electronic debt rights voucher blocks according to the signed electronic debt rights vouchers, and the electronic debt rights voucher blocks are added into a block chain, wherein the electronic debt rights voucher blocks comprise the debt party (the acceptance letter creator), the holder (the possessor) and the limit, and at the moment, the transfer and financing participant nodes of accounts receivable on the chain all know that electronic debt rights vouchers exist, namely, and the electronic rights voucher in the block is linked with electronic rights voucher.
Thirdly, after receiving an electronic debt transfer instruction initiated by a supplier at level, the supplier node at level constructs a transfer block for transferring the electronic debt to an assignee, and the transfer block is added into a block chain, and a holder of the electronic debt becomes the assignee, at this time, all the accounts receivable flow financing participant nodes on the chain know that the transfer block is available, namely, a message for transferring the electronic debt to the assignee in the transfer block is broadcasted on the chain by .
Then, after receiving the accounts receivable financing request initiated by the transferee, the transferee node constructs accounts receivable financing request blocks for transferring the electronic debt to the fund provider, and adds the accounts receivable financing request blocks into a block chain, at this time, all the accounts receivable circulation financing participant nodes in the chain know that there are accounts receivable financing request blocks, that is, the accounts receivable financing request in the block is broadcast to the chain by .
Then, the fund provider node evaluates the corresponding account collecting and financing request according to a purchase agreement block, an electronic creditor certificate block, an assignment block and an account collecting and financing request block, wherein the financing evaluation process is to judge whether the financing of the account collecting and financing flow is risky or not, construct a financing result block according to an evaluation result, and add the financing result block into a block chain; the holder of the electronic debt right becomes a fund provider, namely, the nodes of accounts receivable transfer financing participants on the chain know financing results such as payment and the like, and at the moment, the financing results can be sent to the nodes of fund demand parties, namely the nodes of the accepted suppliers, in the form of short messages or mails.
Compared with the prior art, the technical scheme provided by the embodiment of the invention realizes the transfer of the movable property based on the block chain architecture, namely, the transfer of the credit of a purchasing party is realized, each account receivable money transfer financing participant joins the alliance chain, all related parties and the whole trade process are equalized on line, the on-line confirmation of the trade authenticity is realized, the transparency, traceability and tamper resistance of data among the account receivable money transfer financing participants are ensured, the safety and efficiency of account receivable money transfer financing are improved, and the development of the account receivable money transfer financing business is greatly promoted.
In summary, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of the receivable cash flow financing, and greatly promotes the development of the receivable cash flow financing business.
In specific implementation, the fund demand party may be a cargo owner (an acquirer supplier), and the fund provider may be a financial institution such as a bank.
Before introducing the receivable flow financing scheme based on the blockchain architecture provided by the embodiment of the present invention, the receivable flow financing architecture provided by the embodiment of the present invention is first introduced as follows.
In specific implementation, according to the scheme provided by the embodiment of the present invention, technically, a bottom layer uses a blockchain technology (as shown in fig. 2), Orderer nodes (or cluster of sequencing nodes, and ZooKeeper distributed application coordination service, Kafka distributed publish-subscribe message system, and the like correspond to high-concurrency and massive data scenes), each organizations (such as fund providers 1 and 2.) correspond to multiple Peer nodes, and the organization system controls authority in the jurisdiction of the organization.
In addition, in fig. 2, the cargo owner may include multiple levels of suppliers, such as level upstream (addressee, transfer, level supplier, level supplier), two levels upstream (addressee, transfer, financer, request for acceptance letter financing, request for return flow financing, fund demand side), and so on, as mentioned in the embodiments of the present invention.
In specific implementation, as shown in fig. 3, the bottom layer of the blockchain is divided into three modules, namely, a bottommost module composed of a P2P network, a gRPC, and a Gossip protocol, a module composed of a ledger, a transaction, an event, a chain code (which may implement an intelligent contract, may be a pre-stored program, and the like, as described in the following embodiments), a blockchain structure database (Key-value database or relational database), a consensus mechanism (a baikal consensus algorithm, a POW algorithm, a POS algorithm, or a DPOS algorithm, and in the case of these four algorithms, no ordering node is needed), a container, and a state machine, and a module composed of an authority management and a PKI system.
The steps involved in the embodiments of the present invention are described in detail below with reference to fig. 4.
, first, the preparation steps before the above step 101 will be described.
1. As shown in fig. 4, blockchain nodes are respectively established at core enterprises (openers, buyers), level upstream (receivers, transferors, level suppliers, level suppliers), two level upstream (receivers, transferors, financers, payment acceptance letter financing requesters, accounts receivable flow financing requesters, fund demanders), and fund parties (financial institutions such as receivers, fund providers, banks, etc.) enterprises (organizations).
2. In the sub-flow of "allocating credit" in fig. 4, the core enterprise issues an application for credit authorization online, the fund side also approves the credit authorization offline, adds the core enterprise into the white list, and the core enterprise queries the approved credit authorization amount.
Secondly, the above step 101 is introduced.
In specific implementation, as shown in fig. 4, in the "sign agreement" link, the content of the relevant agreement (in the format of a PDF file) is stored as a certificate on the block chain, and is stored in all relevant nodes in real time through node synchronization, and only authorized participants and supervisors can see the agreement content through intelligent contract control. And record specific information of the agreement on the blockchain, including but not limited to contract number, party A, party B, signing time, name, quantity, price, quality requirement, delivery location, payment mode, transportation mode, liability of breach, inspection standard and method, information required to be provided by party B when delivering, mode of resolving contract dispute, etc.
(1) The first time to sign the procurement agreement, the core enterprise (the procurement party) initiates the procurement and signs the procurement agreement on-line (the operations not specifically described below are all on-line operations through the blockchain system), and submits the procurement and signing agreement to the level upstream enterprise ( level supplier ), level upstream enterprise ( level supplier ) determines the order and signs the procurement agreement.
(2) In the case of non-initial signing of the purchase agreement, the core enterprise selects a past agreement template, fills (or selects) agreement details on the agreement template, submits the agreement details to level upstream enterprise ( level supplier ) to determine the order and sign the purchase agreement.
Step 102 and step 103 are described next.
In the specific implementation, as shown in fig. 4, in the "open payment acceptance letter (open electronic creditor voucher)" sub-flow, the core enterprise selects an order as an issuer, generates an electronic payment acceptance letter according to a certain amount, and submits the electronic payment acceptance letter to -level upstream enterprises through the system, and the upstream enterprises sign up, and at the same time, generates digital assets (electronic creditor assets) of the electronic payment acceptance letter at all the above-mentioned related nodes of the block chain, and records information of the generator (issuer, the issuing enterprise, the creditor), the owner (owner, the holder), the related contract code, the repayment date, the amount, the signature of the commitment ( -level upstream enterprises), the representative of the legal person, and the like.
Step 104 is described next.
In embodiments, after receiving the electronic credit transfer command initiated by the supplier of level , the supplier node of level constructs a transfer block for transferring the electronic credit to the transferee, which may include:
after receiving an electronic creditor transfer instruction initiated by an -level supplier, dividing credit lines in the electronic creditor voucher into a plurality of lines by a -level supplier node to generate electronic creditor vouchers with different lines;
and constructing a transfer block for transferring the electronic creditor certificates with different limits to different assignee suppliers.
In specific implementation, as shown in fig. 4, in the "transfer electronic payment acceptance letter" (electronic debt transfer) sub-flow, the -level upstream enterprise selects an order in the system to initiate transfer of the electronic payment acceptance letter (transfer the electronic debt to the transferee), and submits the order to the secondary upstream enterprise (secondary provider, transferee), and the secondary upstream enterprise accepts.
In specific implementation, the number of the transferee suppliers may be or more, the purchasing party may transfer all the credits in the payment acceptance letter to transferees, the transferee may transfer the payment acceptance letter to the third-level supplier as the second-level supplier, and may also split the credits to transfer to different transferees during the transfer, and the purchasing party may transfer part of the credits in the payment acceptance letter (electronic creditor certificate) to transferees, or split the credits in the payment acceptance letter to transfer to different transferees.
Step 105 is described next.
In the sub-process of 'payment acceptance letter financing' (receivable financing), a second-level upstream enterprise (a given supplier) initiates electronic acceptance letter transfer (after the supply to a buyer can be carried out), the electronic acceptance letter transfer is submitted to a fund side through the system, and the system automatically releases money (financing result) after the fund side signs. The secondary upstream enterprise may then query the system for the information on the deposit. At the same time, the owner of the electronic payment acceptance letter changes to the fund provider (the holder of the electronic debt becomes the fund provider) on the relevant blockchain node.
Step 106 is described next.
In embodiments, the method for financing an receivables flow based on blockchain architecture may further comprise:
when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer;
after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
In specific implementation, as shown in fig. 4, in the "cash letter redemption" sub-process, the core enterprise deducts the principal (and/or interest) by the system after completing the account recharging in the "my account" page, meanwhile, the state of the corresponding cash letter is set as destruction on the relevant block chain node, before the expiration date recorded by the electronic creditor voucher, the buyer node realizes the redemption of the electronic creditor through the system of the source asset.
Seventhly, other relevant steps of the embodiment of the invention are described next.
In embodiments, the blockchain nodes may further include logistics agency nodes, quality control agency nodes, insurance agency nodes, notarization agency nodes and judicial agency nodes.
As shown in fig. 2, the solution provided by the embodiment of the present invention may further include a financing coordination platform node, which performs financing risk assessment corresponding to the collected fund transfer financing request (payment acceptance letter financing request) according to the purchase agreement block, the payment acceptance letter block, the transfer block, and the payment acceptance letter financing request block, constructs financing risk assessment result information blocks according to the financing risk assessment result, and adds the financing risk assessment result information blocks into the block chain, at this time, the accounts receivable transfer financing participant nodes on the chain all know financing risk assessment result information blocks, that is, the financing risk assessment result information in the blocks is broadcast to the chain .
The scheme provided by the embodiment of the invention can also comprise logistics mechanism nodes, such as carrier nodes in fig. 2, wherein when a certain consignee supplier agrees to supply goods to a buyer, after a trigger instruction that goods are delivered to a logistics mechanism for carrying is received, the supplier nodes (the consignee supplier nodes) construct delivery note blocks, the delivery note blocks are added into a block chain, after the trigger instruction of goods carrying is received, the logistics mechanism nodes construct delivery note blocks, the delivery note blocks are added into the block chain, block monitoring is carried out on the goods in the transportation process, a location information track block is constructed according to the in-transit location information of the goods, the location information track block is added into the block chain, after the trigger instruction that the goods reach is received, the buyer nodes (the buyer nodes) construct delivery note blocks, the delivery note blocks are added into the block chain, the application of the settlement technology is added, only the procurement participation of the procurement mechanism nodes is needed, the consignee information in the real procurement note information in the delivery note blocks is more, the currency information in the procurement receipt information, the shipping information in the shipping receipt information, the shipping information of the shipping information, the shipping information of the procurement receipt in the shipping area, the shipping receipt, the payment receipt information of the shipping area, the transaction of the procurement information, the procurement information of the procurement information, and the procurement information of the shipping note.
The scheme provided by the embodiment of the invention can also comprise a quality inspection mechanism, as shown in fig. 2, in embodiments, the blockchain node can also comprise a quality inspection mechanism node, and the receivable account flow financing method based on the blockchain architecture can also comprise the following steps:
the quality inspection organization node constructs quality inspection result blocks aiming at the quality inspection result of the goods according to the payment acceptance letter financing request, and adds the quality inspection result blocks into a block chain;
and the fund provider node evaluates the payment acceptance letter financing request according to the purchase agreement block, the payment acceptance letter block, the transfer block, the quality inspection result block and the payment acceptance letter financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into the block chain.
In the embodiment, the block link points comprise quality inspection mechanism nodes, when participants know that a payment acceptance letter financing request exists on the block chain, the quality inspection mechanism nodes automatically construct quality inspection result blocks aiming at the quality inspection result of the goods according to the payment acceptance letter financing request block, and the quality inspection result blocks are added into the block chain, so that when a fund provider node or a financing cooperation platform node evaluates the payment acceptance letter financing request, the quality inspection result blocks can be referred to, and the efficiency and the accuracy of the transfer financing of accounts receivable are improved.
In addition, as shown in fig. 2, in the trade contract signing link, a forced notarization program of a notarization institution, also called as a creditor document notarization with forced execution effectiveness or a forced execution notarization, refers to an activity that the notarization institution is willing to accept the forced execution of the creditor court when the creditor gives up money, articles and securities as contents and the creditor gives up no or inappropriate contract obligations, and the mandatory execution effectiveness is legally given.
In summary, with the present invention, the authenticity of the trade between the merchants can be confirmed on a chain, the flow of the receivable funds can be confirmed on a chain, the financing business is full online, automated and closed-loop, the transaction efficiency is improved, and the transaction risk is reduced. Meanwhile, the problems of splitting and transferring of the accounts receivable circulation are solved.
Based on the same concept, accounts receivable flow financing devices based on the blockchain architecture are also provided in the embodiments of the present invention, as the following embodiments, since the principle of solving the problem of the accounts receivable flow financing devices based on the blockchain architecture is similar to the above accounts receivable flow financing method based on the blockchain architecture, the implementation of the accounts receivable flow financing devices based on the blockchain architecture can refer to the implementation of the above accounts receivable flow financing method based on the blockchain architecture, and the repetition is not repeated.
Fig. 5 is a schematic structural diagram of an accounts receivable flow financing apparatus based on a blockchain architecture according to an embodiment of the present invention, where the accounts receivable flow financing participant nodes form blockchain nodes, and the blockchain nodes include a buyer node 01, an -level supplier node 02, a transferee supplier node 03, and a fund provider node 04, where:
the purchasing party node 01 or level supplier node 02 is used for receiving a purchasing protocol signed by a purchasing party and a level supplier on line, constructing purchasing protocol blocks and adding the purchasing protocol blocks into a block chain;
the buyer node 01 is also used for determining source assets with types of accounts receivable according to the credit line preapproved by a fund provider to the buyer and aiming at the purchasing agreement with a supplier at level, establishing assets with types of electronic debt rights based on the source assets, and issuing an electronic debt right certificate, wherein the debt party of the electronic debt rights is the buyer and the holder is the supplier at level;
the -level supplier node 02 is also used for constructing electronic creditor certificate blocks according to the signed electronic creditor certificates and adding the electronic creditor certificate blocks into a block chain, wherein the electronic creditor certificate blocks comprise debtor, holder and quota;
the transferee node 03 is used for constructing receivable financing request blocks for transferring the electronic debt to the fund provider after receiving the receivable financing request initiated by the transferee, and adding the receivable financing request blocks into a block chain;
the fund provider node 04 is used for evaluating the financing request corresponding to the account collection according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructing a financing result block according to an evaluation result, and adding the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
In embodiments, the level supplier node can be specifically configured to:
after receiving an electronic creditor transfer instruction initiated by an -level supplier, dividing the quota in the electronic creditor voucher into a plurality of quotas by a -level supplier node to generate electronic creditor vouchers with different quotas;
and constructing a transfer block for transferring the electronic creditor certificates with different limits to different assignee suppliers.
In embodiments, the funds provider node may be further operable to:
when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer;
after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
In embodiments, the blockchain nodes may further include logistics agency nodes, quality control agency nodes, insurance agency nodes, notarization agency nodes and judicial agency nodes.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: the method has the advantages that the transfer of the movable property assets based on the block chain architecture is realized, namely, the transfer of the credit of a purchasing party is realized, each account receivable money transfer financing participant joins in a alliance chain, all relevant parties of the trade and the whole process of the trade are on-line, the on-line confirmation of the authenticity of the trade is realized, the transparency, traceability and tamper resistance of data among the account receivable money transfer financing participants are ensured, the safety and efficiency of the account receivable money transfer financing are improved, and the development of the account receivable money transfer financing business is greatly promoted.
In summary, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of the receivable cash flow financing, and greatly promotes the development of the receivable cash flow financing business.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
- The receivable cash flow financing method based on the blockchain architecture is characterized in that receivable cash flow financing participant nodes form blockchain nodes, and the blockchain nodes comprise a buyer node, a -level supplier node, a concession supplier node and a fund provider node, and the receivable cash flow financing method based on the blockchain architecture comprises the following steps:the purchasing side node or level supplier node receives the purchasing agreement signed by the purchasing side and level supplier on line, constructs purchasing agreement blocks, and adds the purchasing agreement blocks into the block chain;the method comprises the steps that a buyer node determines source assets of which the types are accounts receivable according to a credit line approved by a fund provider in advance and a purchasing agreement with an -grade supplier, establishes assets of which the types are electronic creditors based on the source assets and opens electronic creditor certificates, wherein the creditor of the electronic creditors is the buyer and the holder is the -grade supplier;the -level supplier node constructs electronic creditor certificate blocks according to the signed electronic creditor certificates, and adds the electronic creditor certificate blocks into a block chain, wherein the electronic creditor certificate blocks comprise debtor, holder and amount;after receiving an electronic credit transfer instruction initiated by an -level supplier, a -level supplier node constructs a transfer block for transferring the electronic credit to a transferee, and adds the transfer block into a block chain;after receiving an accounts receivable financing request initiated by a transferee, the transferee node constructs accounts receivable financing request blocks for transferring electronic debt to a fund provider, and adds the accounts receivable financing request blocks into a block chain;the fund provider node evaluates the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructs a financing result block according to the evaluation result, and adds the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
- 2. The method of financing an accounts receivable flow based on blockchain architecture as claimed in claim 1, wherein upon receipt of an level supplier initiated electronic creditor transfer instruction, the level supplier node constructs a transfer block for transferring electronic creditor to a transferee, comprising:after receiving an electronic creditor transfer instruction initiated by an -level supplier, dividing the quota in the electronic creditor voucher into a plurality of quotas by a -level supplier node to generate electronic creditor vouchers with different quotas;and constructing a transfer block for transferring the electronic creditor certificates with different limits to different assignee suppliers.
- 3. The method for financing a blockchain architecture-based receivables flow of claim 1, further comprising:when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer;after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
- 4. The method for financing a blockchain architecture-based receivables flow of claim 1, wherein the blockchain node further comprises: quality inspection mechanism nodes, logistics mechanism nodes, insurance mechanism nodes, notarization mechanism nodes and judicial organization nodes.
- 5, accounts receivable flow financing device based on block chain architecture, which is characterized in that the accounts receivable flow financing participant nodes form block chain nodes, and the block chain nodes comprise a buyer node, a -level supplier node, a concession supplier node and a fund provider node, wherein:the purchasing side node or -level supplier node is used for receiving a purchasing protocol signed by a purchasing side and a -level supplier on line, constructing purchasing protocol blocks and adding the purchasing protocol blocks into a block chain;the buyer node is also used for determining source assets with types of accounts receivable aiming at a purchasing agreement with a -grade supplier according to a credit line approved by a fund provider in advance, establishing types of assets with electronic debt rights based on the source assets, and opening an electronic debt certificate, wherein the debt party of the electronic debt rights is the buyer, and the holder is the -grade supplier;the -level supplier node is also used for constructing electronic creditor certificate blocks according to the signed electronic creditor certificates and adding the electronic creditor certificate blocks into a block chain, wherein the electronic creditor certificate blocks comprise debtor, holder and quota;the system comprises a transferee supplier node, a block chain and a financial institution, wherein the transferee supplier node is used for constructing accounts receivable financing request blocks for transferring electronic debt to a fund provider after receiving an accounts receivable financing request initiated by a transferee supplier, and adding the accounts receivable financing request blocks into the block chain;the fund provider node is used for evaluating the corresponding account collection financing request according to the purchase agreement block, the electronic creditor certificate block, the transfer block and the account collection financing request block, constructing a financing result block according to an evaluation result and adding the financing result block into a block chain; the holder of the electronic debt becomes the fund provider.
- 6. The apparatus of claim 5, wherein the level supplier node is configured to:after receiving an electronic creditor transfer instruction initiated by an -level supplier, dividing the quota in the electronic creditor voucher into a plurality of quotas by a -level supplier node to generate electronic creditor vouchers with different quotas;and constructing a transfer block for transferring the electronic creditor certificates with different limits to different assignee suppliers.
- 7. The blockchain architecture-based receivable flow financing apparatus of claim 5, wherein the fund provider node is further configured to:when receiving a recharging triggering instruction of the account of the buyer, the fund provider node deducts a corresponding amount from the account of the buyer;after receiving the instruction of deducting the corresponding amount, the fund provider node constructs an electronic creditor cancellation state block and adds the electronic creditor cancellation state block into a block chain.
- 8. The apparatus for receivables flow financing based on blockchain architecture of claim 5, wherein the blockchain node further comprises: quality inspection mechanism nodes, logistics mechanism nodes, insurance mechanism nodes, notarization mechanism nodes and judicial organization nodes.
- Computer apparatus of the kind , comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1-4 through when executing the computer program.
- 10, computer-readable storage medium, characterized in that, the computer-readable storage medium stores a computer program for executing the method of any of claims 1-4 to .
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