CN111539724B - Electronic business acceptance draft financing method and device based on blockchain architecture - Google Patents
Electronic business acceptance draft financing method and device based on blockchain architecture Download PDFInfo
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Abstract
The application provides a block chain architecture-based electronic business acceptance draft financing method and a block chain architecture-based electronic business acceptance draft financing device, wherein the method comprises the following steps: the developer node adds the constructed service agreement block with the financing service platform into the blockchain, and the pre-selling funds supervision banking node adds the constructed developer supervision account funds balance block into the blockchain; the developer node adds the constructed contract block with the upstream enterprise into a blockchain; the developer node adds the constructed electronic business acceptance draft block issued according to the balance of the supervision account into a blockchain; the upstream enterprise node constructs an application electronic business acceptance draft financing block according to the financing demand, and adds the application electronic business acceptance draft financing block into a blockchain; the financing service platform node carries out risk assessment on the financing request of the electronic business acceptance draft, and adds the constructed financing risk assessment result information block into the blockchain; the fund party node carries out financing evaluation according to the financing risk evaluation result information block, and adds the constructed financing result information block into the blockchain.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to an electronic business acceptance draft financing method and device based on a block chain architecture.
Background
The balance, expenditure and use of the reserved funds of the commodity house are strictly regulated by laws and regulations, a developer can only apply for extracting the funds of the supervision account for the funds related to the construction project according to the supervision requirements and the construction project progress and the retention proportion, the reserved funds of the developer are easy to be subjected to periodical precipitation, the use efficiency is low, the financing cost of enterprises is increased, and the construction progress is influenced.
According to the electronic commercial acceptance draft financing issued by the balance of the commodity house pre-sale funds account, the commodity house pre-sale funds are ticketed by utilizing the Internet and blockchain technology, so that the use efficiency of the pre-sale funds is improved, the financing cost is reduced, the problem of insufficient funds of developers is favorably relieved, and the bill market development is promoted.
The electronic business bill of money is produced in the form of data message and is paid unconditionally to the bill of the payee or holder in the appointed date after being accepted by the payer outside the bank. Unlike electronic bank acceptance draft, which is accepted by banking financial institutions and financial companies (collectively financial institutions), but accepted by legal persons or other organizations other than financial institutions, the electronic business acceptance draft can be financing-implemented by means of tools such as insurance, bank mortgage, cash registering, etc., but is mainly dependent on business credit of enterprises, and may not be honored due to the expiration of enterprises. The following describes an existing electronic commerce acceptance draft financing scheme:
The first prior art is: in an electronic commerce acceptance draft financing service that is not conducted using blockchain technology, parties associated with the electronic commerce acceptance draft financing service (including but not limited to the developer and its upstream and downstream, banks, or insurance companies) are managed using a centralized server and each enterprise and institution is managed individually. The prior art one does not allow the data of the various institutions and enterprises to be shared with each other. The process of crossing institutions and enterprises cannot be automatically executed, the speed is low, the efficiency is low, the cost is high, and the electronic business acceptance draft financing business requirements which are not continuously evolved are met. The data among the electronic business acceptance draft financing participants are opaque, so that the phenomena of data falsification and the like are easy to occur in the process of financing the electronic business acceptance draft, and the data cannot be traced.
And the second prior art is as follows: in the electronic business acceptance draft service using the blockchain technology, only the signature hash mode is used for recording and preserving the contract and financing actions, and each transaction record and financing record are written into the blockchain to ensure that the transaction record and the financing record cannot be forged and tampered. However, this technology does not address the premise of maximizing the electronic commerce acceptance draft service, i.e., how to increase the business credit of the enterprise. The authenticity of the electronic commerce redemption draft is only verified by writing the electronic commerce redemption draft into the blockchain or by merely verifying the Electronic Commerce Draft System (ECDS), and a closed loop financing process is not necessarily established. The insurance company performs insurance, the bank performs mortgage and paste financing, and the financing business is carried out according to business credit of the enterprise, namely, the ticket holder utilizes the business credit of the electronic business acceptance draft to rely on the credit rating of the financial institution, so the defect of the electronic business acceptance draft financing scheme is not solved in the second prior art.
In conclusion, the existing electronic commerce acceptance draft financing scheme has low credit degree and low efficiency, and the electronic commerce acceptance draft financing service is limited.
Disclosure of Invention
The embodiment of the invention provides an electronic business acceptance draft financing method based on a blockchain architecture, which is used for improving the safety, credit and efficiency of the electronic business acceptance draft, wherein nodes of the electronic business acceptance draft financing participants form blockchain nodes, and the blockchain nodes comprise: a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund party node; the electronic business acceptance draft financing method based on the blockchain architecture comprises the following steps:
the developer node receives the service protocol of the financing service platform, constructs a service protocol block, and adds the service protocol block into a block chain;
the method comprises the steps that a pre-sale funds supervision bank establishes a supervision bank node according to a financing service platform and a protocol of a developer, a commodity house pre-sale funds supervision account funds balance block is established, and the supervision account funds balance block is added into a blockchain;
the developer establishes an upstream enterprise node according to the contract with the upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a blockchain;
The developer pays for the upstream enterprise, and an electronic business acceptance draft issued to the upstream enterprise according to the balance of the supervision account is constructed, and the electronic business acceptance draft block is added into a blockchain;
after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an application electronic commercial acceptance draft financing block according to the financing demand, and adds the application electronic commercial acceptance draft financing block into a blockchain;
the financing service platform node carries out risk assessment on the financing condition of the electronic business acceptance draft, builds a financing risk assessment information result block, and adds the financing risk assessment information result block into a blockchain;
and the fund party node carries out financing evaluation along with the financing request of the electronic business acceptance draft according to the financing risk evaluation result information block, constructs a financing result information block according to the financing evaluation result, and adds the financing result information block into a blockchain.
The block chain architecture-based electronic business acceptance draft financing method is characterized in that: the quality inspection mechanism node performs detection and classification processing on commodity houses, and comprises the following steps:
step A1, constructing a data set of the commodity house information, wherein the process is as follows:
Wherein X is the total data of commodity house information, X 1 Representing characteristic water penetration, x 2 Representing characteristic wet conditions, x i Representing the adopted materials and the like, wherein i represents the characteristic quantity of each commodity house information, and m represents the total commodity house information quantity collected by modeling classification;
and A2, calculating a model k value according to the commodity house information data, wherein the model k value is calculated according to the commodity house information data, and the process is as follows:
wherein k represents the number of initially selected parameters, x a Representing information of commodity house in test, N k(x) Representing the class y, c of the decision x according to the classification decision rule j Representing the category to which the currently predicted commodity house information belongs, I represents an indication function, y i Representing the actual category of the commodity house information currently predicted;
and step A3, specifically determining the value of k, and carrying out model test on the value of k, wherein the process is as follows:
and d represents the distance, x, y represents the coordinate point of the commodity house information, i=1, 2, 3.
The embodiment of the invention also provides an electronic business acceptance draft financing device based on the block chain architecture, which is characterized in that the electronic business acceptance draft financing participant nodes form block chain nodes, and the block chain link points comprise: a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing platform node and a fund party node; wherein:
the developer node is used for receiving the service protocol of the financing service platform, constructing a service protocol block and adding the service protocol block into a block chain; the developer node is also used for issuing an electronic commercial acceptance draft to an upstream enterprise according to the fund balance of the supervision account, and constructing an electronic commercial acceptance draft block to join in a blockchain;
the pre-sale funds monitoring bank node is used for constructing a monitoring account funds balance block and adding the monitoring account funds balance block into a blockchain after receiving an instruction triggered by the financing service platform;
an upstream enterprise node, wherein a developer constructs a contract block with an upstream enterprise, and adds the contract block into a blockchain;
the method comprises the steps that a developer node pays a price to an upstream enterprise, an electronic business acceptance draft financing block issued according to balance of a supervision account is constructed, and the electronic business acceptance draft financing block is added into a blockchain;
The upstream enterprise receives the electronic commercial acceptance draft to construct an electronic commercial acceptance draft financing block, and the electronic commercial acceptance draft financing block is added into a blockchain;
the financing platform node is used for carrying out risk assessment according to the financing condition of the electronic business acceptance draft, constructing a financing risk assessment information result block, and adding the financing analysis assessment information result block into a blockchain;
and the fund party node is used for carrying out financing evaluation along with the warranty financing request according to the financing risk evaluation result information block, constructing a financing result information block according to the financing evaluation result, and adding the financing result information block into a blockchain.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the electronic business acceptance draft financing method based on the blockchain architecture.
Embodiments of the present invention also provide a computer readable storage medium storing a computer program for executing the blockchain architecture-based electronic commerce underwriting draft financing method.
Compared with the prior art, in the technical scheme provided by the embodiment of the invention, the nodes of the electronic business acceptance draft financing participants form block chain nodes, and the block chain nodes comprise: a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund party node; the electronic business acceptance draft financing scheme based on the block chain architecture is that: the developer node receives the service protocol of the financing service platform, constructs a service protocol block, and adds the service protocol block into a block chain; the method comprises the steps that a pre-sale funds supervision bank establishes a supervision bank node according to a financing service platform and a protocol of a developer, a commodity house pre-sale funds supervision account funds balance block is established, and the supervision account funds balance block is added into a blockchain; the developer establishes an upstream enterprise node according to the contract with the upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a blockchain; the developer pays for the upstream enterprise, and an electronic business acceptance draft issued to the upstream enterprise according to the balance of the supervision account is constructed, and the electronic business acceptance draft block is added into a blockchain; after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an application electronic commercial acceptance draft financing block according to the financing demand, and adds the application electronic commercial acceptance draft financing block into a blockchain; the financing service platform node carries out risk assessment on the financing condition of the electronic business acceptance draft, builds a financing risk assessment information result block, and adds the financing risk assessment information result block into a blockchain; and the fund party node carries out financing evaluation along with the financing request of the electronic business acceptance draft according to the financing risk evaluation result information block, constructs a financing result information block according to the financing evaluation result, and adds the financing result information block into a blockchain.
The system realizes the fund circulation based on a blockchain architecture, adds each electronic commercial acceptance draft financing participant into a alliance chain, realizes the online confirmation of real estate development financing and real estate development relative parties and real estate development electronic commercial acceptance draft financing, ensures the transparency, traceability and tamper resistance of data among the electronic commercial acceptance draft financing participants, simultaneously, adds the application of electronic data technology, the electronic commercial acceptance draft financing participants do not pay attention to only offline written information, further has the specific information of funds for issuing the electronic commercial acceptance draft to ensure payment, provides the information enhancement measure of the electronic commercial acceptance draft to the maximum extent, reduces the risk of the electronic commercial acceptance draft financing service, is favorable for the automatic execution of the electronic commercial acceptance draft financing service, and improves the efficiency of the electronic commercial acceptance draft service.
In summary, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of the financing of the electronic commercial acceptance draft and greatly promotes the development of the financing business of the electronic commercial acceptance draft.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method for financing an electronic commerce acceptance draft based on a blockchain architecture in an embodiment of the present invention;
FIG. 2 is a schematic diagram of an electronic commerce acceptance draft financing architecture in accordance with an embodiment of the present invention;
FIG. 3 is a schematic diagram of electronic commerce acceptance draft financing based on a blockchain architecture in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram of a block chain architecture based electronic commerce receiving draft financing apparatus according to an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the following embodiments and the accompanying drawings, in order to make the objects, technical solutions and advantages of the present invention more apparent. The exemplary embodiments of the present invention and the descriptions thereof are used herein to explain the present invention, but are not intended to limit the invention.
The inventors found that: the blockchain is regarded as subversion innovation of calculation mode after mainframe, personal computer and internet as integrated application of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and other technologies, and is likely to cause a new technological innovation and industry revolution in the global scope. Blockchain technology originates from a founder paper, bitcoin-point-to-point electronic cash system, published by the learner named "Zhongben-clever" (Satoshi Nakamoto) in 2008. In a narrow sense, a blockchain is a distributed ledger that combines blocks of data in a sequential manner in time order into a chain data structure, and that is cryptographically secured against tampering and counterfeiting. The blockchain technology is a brand new distributed infrastructure and computing paradigm that uses a blockchain data structure to verify and store data, a distributed node consensus algorithm to generate and update data, a cryptographic way to secure data transmission and access, and an intelligent contract consisting of automated script code to program and manipulate data.
Therefore, the inventor provides an electronic business acceptance draft financing scheme based on a blockchain architecture, which not only aims to solve the problem of insufficient business credit of the electronic business acceptance draft financing business, but also aims to solve the offline conversion of risk confirmation of the financing business. Regarding the defects of the prior art 1 mentioned in the background art, the invention realizes large-scale data sharing through the technical scheme of decentralization; in view of the defects in the prior art 2, the invention realizes on-line confirmation of financing authenticity and automatic execution of financing by constructing a blockchain alliance and applying an electronic evidence technology to on-line all relevant parties of financing and the whole process of financing, thereby improving the efficiency of the financing service and reducing the risk of the financing service. The parties including the fund party do not pay attention to only business credit, and the information of credit-increasing measures for financing of the electronic business acceptance draft is further provided, so that the financing risk is greatly reduced.
The invention adds alliance chains to each supplier, each fund party, each financing service platform, each notarization institution, each judicial institution and the like based on the blockchain, ensures the transparency, traceability and tamper resistance of data among the financing participants of the electronic commercial acceptance draft, improves the safety and efficiency of the financing of the electronic commercial acceptance draft, and greatly promotes the development of the financing business of the electronic commercial acceptance draft. The electronic business acceptance draft financing scheme based on the blockchain architecture is described in detail below.
In the blockchain-based example of the present invention, the electronic commerce acceptance draft financing for the pre-sale funds of the developer comprises the steps of:
FIG. 1 is a flow chart of a blockchain architecture-based electronic business underwriting draft financing method in an embodiment of the present invention, where the electronic business underwriting draft financing participant nodes form blockchain nodes, which may include: a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund party node; as shown in fig. 1, the method includes:
step 101: the developer node receives the service protocol of the financing service platform, constructs a service protocol block, and adds the service protocol block into a block chain;
step 102: the method comprises the steps that a pre-sale funds supervision bank establishes a supervision bank node according to a financing service platform and a protocol of a developer, a commodity house pre-sale funds supervision account funds balance block is established, and the supervision account funds balance block is added into a blockchain;
step 103: the developer establishes an upstream enterprise node according to the contract with the upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a blockchain;
Step 104: the developer pays for the upstream enterprise, and an electronic business acceptance draft issued to the upstream enterprise according to the balance of the supervision account is constructed, and the electronic business acceptance draft block is added into a blockchain;
step 105: after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an application electronic commercial acceptance draft financing block according to the financing demand, and adds the application electronic commercial acceptance draft financing block into a blockchain;
step 106: the financing service platform node carries out risk assessment on the financing condition of the electronic business acceptance draft, builds a financing risk assessment information result block, and adds the financing risk assessment information result block into a blockchain;
step 107: and the fund party node carries out financing evaluation along with the financing request of the electronic business acceptance draft according to the financing risk evaluation result information block, constructs a financing result information block according to the financing evaluation result, and adds the financing result information block into a blockchain.
Electronic commerce admission draft financing device based on block chain architecture, its characterized in that: the quality inspection mechanism node performs detection and classification processing on commodity houses, and comprises the following steps:
Step A1, constructing a data set of the commodity house information, wherein the process is as follows:
wherein X is the total data of commodity house information, X 1 Representing characteristic water penetration, x 2 Representing characteristic wet conditions, x i Representing the adopted materials and the like, wherein i represents the characteristic quantity of each commodity house information, and m represents the total commodity house information quantity collected by modeling classification;
and A2, calculating a model k value according to the commodity house information data, wherein the model k value is calculated according to the commodity house information data, and the process is as follows:
wherein k represents the number of initially selected parameters, x a Representing information of commodity house in test, N k(x) Representing the class y, c of the decision x according to the classification decision rule j Representing the category to which the currently predicted commodity house information belongs, I represents an indication function, y i Representing the actual category of the commodity house information currently predicted;
and step A3, specifically determining the value of k, and carrying out model test on the value of k, wherein the process is as follows:
and d represents the distance, x, y represents the coordinate point of the commodity house information, i=1, 2, 3.
The beneficial effects are that: the algorithm adopts a machine learning algorithm, and the initial parameter k value is calculated to measure the classification effect, so that a better fitting model of commodity house information can be achieved, the error rate of the predicted commodity house information category and the real commodity house information category is smaller, the machine is used for classifying instead of a human brain, and a good foundation is laid for later data analysis projects.
The embodiment of the invention provides an electronic business acceptance draft financing method based on a block chain architecture, which works in the following steps:
firstly, a developer node receives a service protocol of a financing service platform, a service protocol block is constructed, the service protocol block is added into a blockchain, and at the moment, all on-chain electronic business acceptance draft financing participant nodes know that a supply protocol block exists, namely, the supply protocol in the block is broadcasted to the chain;
and secondly, establishing a supervision bank node by the pre-sale funds supervision bank according to the agreement of the financing service platform and the developer, constructing a commodity house pre-sale funds supervision account funds balance block, adding the supervision account funds balance block into the blockchain, wherein at the moment, all the electronic commerce acceptance draft financing participant nodes on the chain know that the supervision account funds balance block is known, namely, the supervision account funds balance in the block is broadcasted to the chain.
Again, the developer establishes an upstream enterprise node based on the contract with the upstream enterprise, constructs a contract block with the upstream enterprise, adds the contract block to the blockchain, and at this time, all the electronic commerce underwriting draft financing participant nodes on the chain learn that there is a contract block in which the contract is broadcast to the chain.
The developer then pays the upstream enterprise, constructs an electronic business receipt block based on the electronic business receipt issued to the upstream enterprise by the balance of the administrative account, and adds the electronic business receipt block to the blockchain, at which point the underwriting electronic business receipt participant nodes on the chain each learn that there is such an electronic business receipt block in which the electronic business receipt is broadcast to the chain.
Then, after receiving the electronic business receiving draft, the upstream enterprise constructs a financing block for applying the electronic business receiving draft according to the financing demand, and adds the financing block for applying the electronic business receiving draft into the blockchain, at this time, all nodes of the electronic business receiving draft financing participants on the chain know that there is such a financing information block, namely, the financing information in the block is broadcast to the chain.
And then, carrying out risk assessment on the financing condition of the electronic business acceptance draft by the financing service platform node, constructing a financing risk assessment information result block, adding the financing risk assessment information result block into a blockchain, and at the moment, all the electronic business acceptance draft financing participant nodes on the chain know that one financing risk assessment result information block exists, namely, the financing risk assessment result information in the block is broadcast to the chain.
And then, the fund party node carries out financing evaluation along with the financing request of the electronic business acceptance draft according to the financing risk evaluation result information block, and builds a financing result information block according to the financing evaluation result.
The embodiment of the invention provides an electronic business acceptance draft financing method based on a block chain architecture
Compared with the prior art, the technical scheme provided by the embodiment of the invention realizes the circulation of the electronic commercial acceptance draft based on the blockchain architecture, all the electronic commercial acceptance draft financing participants join the alliance chain, all the related parties and the whole process are online converted, the online confirmation of the authenticity of funds is realized, the transparency, traceability and tamper resistance of data among the electronic commercial acceptance draft financing participants are ensured, meanwhile, the electronic commercial acceptance draft financing participants do not only deal with commercial credit, the fund guarantee of issuing the expiration payment of the electronic commercial acceptance draft is further provided, the fund security of the electronic commercial acceptance draft is proved to the greatest extent, the risk of the electronic commercial acceptance draft financing service is reduced, the automatic execution of the electronic commercial acceptance draft service is realized, and the efficiency of the electronic commercial acceptance draft service is improved.
In summary, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of financing of the electronic commercial acceptance draft, greatly reduces the risk of financing and promotes the development of the financing business of the electronic commercial acceptance draft.
In the specific implementation, the fund demand party can be an upstream enterprise, a ticket holder after endorsement, and the like, and the fund party can be a financial institution such as a bank, a warranty company, and the like. The various triggering instructions described above may be implemented by way of an Electronic Commerce Draft System (ECDS) or the like.
Before introducing the electronic business acceptance draft financing method based on the block chain architecture provided by the embodiment of the invention, the electronic business acceptance draft financing architecture provided by the embodiment of the invention is described as follows.
In particular, the scheme provided by the embodiment of the invention is technically characterized in that the bottom layer uses the blockchain technology (as shown in fig. 2). The service, the Kafka distributed publish-subscribe messaging system, etc., can be coordinated by one Orderer node (or a cluster of sequencing nodes, using a ZooKeeper distributed application) to correspond to a highly concurrent, massive data scenario. Each organization (e.g., funding parties 1, 2.) corresponds to a plurality of Peer nodes, and rights control within jurisdiction of the organization is unified by the organization. Depending on the specific business needs, multiple enterprises may compose a sub-chain (channel), which is a subset of all the participants of the federation chain.
The steps involved in the embodiments of the present invention will be described in detail with reference to fig. 3.
1. First, the preparation step before the above step 101 is described.
In specific implementation, a alliance chain is established, and the blockchain node can comprise a developer node, a pre-sale funds supervision bank node, an upstream enterprise node, a financing service platform node, a fund party bank and other nodes. The alliance chains co-build nodes to make consensus and account.
2. Next, the above step 101 is described.
In the implementation, as shown in fig. 3, in the "signing agreement" link, the developer and financing service platform agree on specific contents of the resident platform agreement offline, then the two parties sign the resident service agreement online, and after the two parties sign, the agreement contents are stored in all relevant nodes of the blockchain. The agreement content stored on the chain includes, but is not limited to, contract number, first party, second party, signing time, residence conditions, rules, entitlement obligations, administrative account data sharing, administrative account funds extraction regulations, fee settlement, statement confidentiality, default liabilities, relief modes, and the like.
3. The above steps 102 and steps 103 and 104 are described next.
In the specific implementation, in the step of issuing an electronic business acceptance draft, according to the requirement of an admission agreement, the financing service platform establishes a data link with a pre-selling funds supervision bank of a developer to share the funds balance information of a commodity house pre-selling funds supervision account; the developer uploads the contract with the upstream enterprise to the system, establishes a block, and solves the problem of issuing the real trade background of the electronic business acceptance draft; when paying for the upstream enterprises, the electronic commercial acceptance exchange ticket is issued according to the funds balance of the pre-sale funds supervision account, so that the payment source of the electronic commercial acceptance exchange ticket due to the redemption of the developer is ensured, and the credit measure of financing is enhanced.
4. The above step 105 is then described.
In the specific implementation, in the financing link, an upstream enterprise applies for financing according to a contract with a developer and a held electronic business acceptance draft.
5. Next, the intervening links of the financing service platform after step 105 described above are described.
In one embodiment, the financing service platform node performs financing risk assessment on the electronic business acceptance draft financing request according to the residence agreement block, the supervision account balance block, the upstream enterprise contract block, the electronic business acceptance draft block, the financing application block and the application assessment information block, constructs a financing risk assessment result information block according to the financing risk assessment result, and adds the financing risk assessment result information block into a blockchain.
The financing service platform node can refer to the engineering progress information block for application acceptance assessment during assessment, so that the risk of financing is reduced. In addition, the financing service platform node can refer to the evaluation acceptance information block for subsequent financing risk evaluation, and the financing efficiency can be further improved.
6. The steps 106 to 107 are described as "financing" steps.
In one embodiment, the electronic commerce acceptance draft financing method based on the blockchain architecture may further include:
after receiving a trigger instruction of successful financing of the financing service platform, a developer node constructs an information block which is repayment to a fund party through a pre-selling fund supervision account, and adds the information block which is at present and is supposed to be repayment into a blockchain;
after receiving the repayment trigger instruction, the financing service platform and the fund party node construct a sales block according to the current repayment information block, and the sales block is added into the blockchain.
In particular embodiments, the step 106 implements pre-loan prediction and in-loan monitoring, and improves accuracy and efficiency of credit risk monitoring for financing of the electronic commerce acceptance draft, thereby improving security and efficiency of risk assessment for financing of the electronic commerce acceptance draft.
In particular, in the "financing" link, the upstream enterprise maintains an electronic commerce acceptance draft and applies for financing, the content of which includes but is not limited to: upstream enterprises (ticket holders), contracts, financing amounts, accounts (account opening names, account opening banks, bank accounts), dispute resolution, other terms, and the like. And then, the bank or the insurance company pays the financing money to the ticket holder, and the ticket holder checks the financing money. After the electronic business acceptance draft expires, the developer (drawer) pays the redemption to the mortgage, cash bank or warranty company. After the bank or the insurance company checks and confirms that the repayment is received, the bank or the insurance company sells in the system to inform the financing service platform, and meanwhile, the digital assets on the blockchain are destroyed.
In one embodiment, the blockchain node further includes: insurance agency nodes, notarization agency nodes and judicial agency nodes.
In the signing link of the residence protocol, the forced notarization program of the notarization mechanism can be added. The strong notarization, also called the obligation document notarization or the forced enforcement notarization with the forced enforcement effectiveness, refers to the activity that a notarization organization is willing to accept the obligation document of the national court to be enforced when the obligation person commits to do not fulfill or not fulfill the contractual obligation properly with the money, the articles and the securities as contents. The mandatory notarization is characterized in that: after the notarization organization issues the mandatory notarization, once the liability person does not fulfill or does not properly fulfill the contractual obligation, the liability person can apply for the mandatory notarization to the original notarization organization for issuing the enforcement certificate, and then the mandatory notarization and the enforcement certificate apply for the mandatory enforcement to the national court of the person with jurisdiction to protect and realize the liability. That is, creditors do not need to go through litigation procedures to realize crediting directly by executing the procedures.
In summary, with the present invention, the trade authenticity between the developer and the upstream enterprise is validated in-line, the electronic business receipt due redemption funds guarantee is validated in-line, and the electronic business receipt financing service can be implemented through intelligent contracts based on the true trade context. And the electronic business acceptance draft financing business is fully on-line, automatic and closed-loop, so that the transaction efficiency is improved, and the transaction risk is reduced.
Based on the same inventive concept, the embodiment of the invention also provides an electronic business acceptance draft financing device based on a block chain architecture, such as the following embodiment. Because the principle of the block chain architecture-based electronic business receipt and draft financing device for solving the problem is similar to the block chain architecture-based electronic business receipt and draft financing method, the implementation of the block chain architecture-based electronic business receipt and draft financing device can refer to the implementation of the block chain architecture-based electronic business receipt and draft financing method, and the repetition is omitted. The term "module" or "unit" as used below may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
Fig. 4 is a schematic structural diagram of a block chain architecture-based warranty financing apparatus according to an embodiment of the present invention, where warranty financing participant nodes form block chain nodes, and the block chain nodes include: developer node 01, pre-selling funds supervision bank node 02, upstream enterprise node 03, financing platform node 04, and fund party node 05, wherein:
The developer node 01 is used for receiving a service protocol of the internet financing platform, constructing a service protocol block and adding the service protocol block into a block chain;
a pre-sale funds supervision bank node 02, wherein a developer receives a financing service platform instruction to establish a supervision bank node, constructs a commodity house pre-sale funds supervision account funds balance block, and adds the supervision account funds balance block into a blockchain; the developer constructs an electronic business acceptance draft block according to the balance of the supervision account and issues the electronic business acceptance draft to the upstream enterprise, and adds the electronic business acceptance draft block into a blockchain;
an upstream enterprise node 03, wherein a developer establishes an upstream enterprise node according to a contract with an upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a blockchain; after receiving the electronic commercial acceptance draft, the upstream enterprise constructs an application electronic commercial acceptance draft financing block according to the financing demand, and adds the application electronic commercial acceptance draft financing block into a blockchain;
the financing service platform node 04 is used for carrying out risk assessment according to the financing condition of the electronic business acceptance draft, constructing a financing risk assessment information result block, and adding the financing analysis assessment information result block into a blockchain;
And the fund side node 05 is used for carrying out financing evaluation along with the warranty financing request according to the financing risk evaluation result information block, constructing a financing result information block according to the financing evaluation result, and adding the financing result information block into a blockchain.
In one embodiment, the blockchain node may further include: a ticket holder node; wherein: and adding the constructed block for applying the electronic business to accept the draft and financing into the blockchain by the ticket holder after the upstream enterprise backs books.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: the electronic business acceptance draft circulation based on the block chain architecture is realized, all the related parties and the whole process are online converted by adding the electronic business acceptance draft financing participants into the alliance chain, the online confirmation of the authenticity is realized, the transparency, traceability and tamper resistance of the data among the electronic business acceptance draft financing participants are ensured, meanwhile, the electronic business acceptance draft financing participants do not pay attention to the business credit information of enterprises any more by applying the electronic data technology, the authenticity of funds is proved to the greatest extent, the security of the electronic business acceptance draft financing service is improved, the financing risk is greatly reduced, the automatic execution of the electronic business acceptance draft financing service is realized, and the efficiency of the electronic business acceptance draft financing service is improved.
In conclusion, the technical scheme provided by the embodiment of the invention improves the safety and efficiency of the financing of the electronic commercial acceptance draft, reduces the financing risk, realizes the bill financing of the pre-sold funds in the commodity houses of developers, and greatly promotes the development of the financing business of the electronic commercial acceptance draft.
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 in a general purpose computing device, they may be concentrated on a single computing device, or distributed across a network of computing devices, they may alternatively be implemented in program code executable by computing devices, so that they may be stored in a storage device for execution by computing devices, and in some cases, the steps shown or described may be performed in a different order than what is shown or described, or they may be separately fabricated into individual integrated circuit modules, or a plurality of modules or steps in 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 of the preferred embodiments of the present invention and is not intended to limit the present invention, and various modifications and variations can be made to the embodiments of the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. An electronic business receipt financing method based on a blockchain architecture, characterized in that electronic business receipt financing participant nodes form blockchain nodes, the blockchain nodes comprise: a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing service platform node and a fund party node; the electronic business acceptance draft financing method based on the blockchain architecture comprises the following steps:
the developer node receives the service protocol of the financing service platform, constructs a service protocol block, and adds the service protocol block into a block chain;
the supervision bank establishes a supervision bank node according to the agreement between the financing service platform and the developer, constructs a commodity house pre-sale fund supervision account fund balance block, and adds the supervision account fund balance block into a blockchain;
the developer establishes an upstream enterprise node according to the contract with the upstream enterprise, constructs a contract block with the upstream enterprise, and adds the contract block into a blockchain;
the developer pays for the upstream enterprise, issues an electronic business acceptance draft to the upstream enterprise according to the balance of the supervision account, constructs an electronic business acceptance draft block, and adds the electronic business acceptance draft block into a blockchain;
After receiving the electronic commercial acceptance draft, the upstream enterprise constructs an application electronic commercial acceptance draft financing block according to the financing demand, and adds the application electronic commercial acceptance draft financing block into a blockchain;
the financing service platform node carries out risk assessment on the financing condition of the electronic business acceptance draft, builds a financing risk assessment information result block, and adds the financing risk assessment information result block into a blockchain;
the fund party node carries out financing evaluation along with the financing request of the electronic business acceptance draft according to the financing risk evaluation result information block, constructs a financing result information block according to the financing evaluation result, and adds the financing result information block into a block chain;
the developer node further comprises: the developer builds a construction project progress information block, and adds the construction project progress information block into a block chain;
the blockchain node further includes: a quality inspection mechanism node;
the electronic business acceptance draft financing method based on the blockchain architecture further comprises the following steps:
the quality inspection mechanism node constructs a quality inspection result block aiming at the quality inspection result of the commodity house according to the application evaluation information block, and adds the quality inspection result block into a block chain;
The financing service platform node applies for an evaluation information block according to the construction project progress information, constructs a risk evaluation information block aiming at the construction project progress result, and adds the risk evaluation information block into a blockchain;
the financing service platform node accepts and evaluates the electronic business acceptance draft financing request according to the application risk assessment information block, constructs an assessment acceptance information block according to an acceptance evaluation result, and adds the assessment acceptance information block into a blockchain;
the quality inspection mechanism node performs detection and classification processing on commodity houses, and comprises the following steps:
step A1, constructing a data set of the commodity house information, wherein the process is as follows:
wherein ,
is the total data of commodity house information, +.>
Representing the characteristic water penetration condition->
Representing a characteristic wetness condition>
Represents->
Characteristics of individual commodity house information,/->
Characteristic quantity representing information of each commodity house, </i >>
Representing the total commodity house information quantity collected by modeling classification;
and A2, calculating a model k value according to the commodity house information data, wherein the model k value is calculated according to the commodity house information data, and the process is as follows:
wherein 
Representing the number of initially selected parameters>
Representing the goods under test Room information (I.S.)>
Representing decision +.>
Category of->
，/>
Representing the category of the currently predicted merchandise room information,/->
Representing an indication function->
Representing the actual category of the commodity house information currently predicted;
and step A3, specifically determining the value of k, and carrying out model test on the value of k, wherein the process is as follows:
wherein 
Representing distance (I)>
Coordinate point representing commodity house information +.>
，/>
The number of coordinate points representing commodity house information; calculating coordinate point and original of predicted commodity house information through establishment of k valueAnd calculating the coordinate point distances of 3 original commodity house information closest to the coordinate point distance of the predicted commodity house information when k=3, and measuring the category of the predicted commodity house information according to the category of the 3 original commodity house information.
2. The blockchain architecture-based electronic commerce acceptance draft financing method of claim 1 wherein the blockchain node further comprises: and the ticket holder node adds the constructed electronic business acceptance draft financing block into the blockchain by the ticket holder after the upstream enterprise backs books.
3. The blockchain architecture-based electronic commerce acceptance draft financing method of claim 1, further comprising:
After receiving a trigger instruction of successful financing of the financing service platform, a developer node constructs an information block which is repayment to a fund party through a pre-selling fund supervision account, and adds the information block which is at present and is supposed to be repayment into a blockchain;
after receiving the repayment trigger instruction, the financing platform and the fund party node construct a sales block according to the current repayment information block, and the sales block is added into the blockchain.
4. The blockchain architecture-based electronic commerce acceptance draft financing method of claim 1, wherein the blockchain node further comprises: insurance agency nodes, notarization agency nodes and judicial agency nodes.
5. An electronic commerce acceptance draft financing device based on a blockchain architecture, characterized in that electronic commerce acceptance draft financing participant nodes form blocknodes, the blockchain link nodes comprise: a developer node, a pre-sale fund supervision bank node, an upstream enterprise node, a financing platform node and a fund party node; wherein:
the developer node is used for receiving the service protocol of the financing service platform, constructing a service protocol block and adding the service protocol block into a block chain; the developer node is also used for issuing an electronic commercial acceptance draft to an upstream enterprise according to the fund balance of the supervision account, and constructing an electronic commercial acceptance draft block to join in a blockchain;
The pre-sale funds monitoring bank node is used for constructing a monitoring account funds balance block and adding the monitoring account funds balance block into a blockchain after receiving an instruction triggered by the financing service platform;
the developer issues an electronic commercial acceptance draft to an upstream enterprise according to the fund balance of the supervision account, and an electronic commercial acceptance draft block is built to join in a blockchain;
an upstream enterprise node, wherein a developer constructs a contract block with an upstream enterprise, and adds the contract block into a blockchain;
the method comprises the steps that a developer node pays an upstream enterprise, an electronic business acceptance draft financing block issued according to balance of a supervision account is constructed, and the electronic business acceptance draft financing block is added into a blockchain; the upstream enterprise receives the electronic commercial acceptance draft to construct an electronic commercial acceptance draft financing block, and the electronic commercial acceptance draft financing block is added into a blockchain;
the financing platform node is used for carrying out risk assessment according to the financing condition of the electronic business acceptance draft, constructing a financing risk assessment information result block, and adding the financing analysis assessment information result block into a blockchain;
the fund party node is used for carrying out financing evaluation along with the financing request of the electronic business acceptance draft according to the financing risk evaluation result information block, constructing a financing result information block according to the financing evaluation result, and adding the financing result information block into a blockchain;
The developer node further comprises: the developer builds a construction project progress information block, and adds the construction project progress information block into a block chain;
the blockchain node further includes: a quality inspection mechanism node;
the electronic business acceptance draft financing device based on the blockchain architecture further comprises:
the quality inspection mechanism node constructs a quality inspection result block aiming at the quality inspection result of the commodity house according to the application evaluation information block, and adds the quality inspection result block into a block chain;
the financing service platform node applies for an evaluation information block according to the construction project progress information, constructs a risk evaluation information block aiming at the construction project progress result, and adds the risk evaluation information block into a blockchain;
the financing service platform node accepts and evaluates the electronic business acceptance draft financing request according to the application risk assessment information block, constructs an assessment acceptance information block according to an acceptance evaluation result, and adds the assessment acceptance information block into a blockchain;
the quality inspection mechanism node performs detection and classification processing on commodity houses, and comprises the following steps:
step A1, constructing a data set of the commodity house information, wherein the process is as follows:
wherein ,
is the total data of commodity house information, +.>
Representing the characteristic water penetration condition->
Representing a characteristic wetness condition>
Represents->
Characteristics of individual commodity house information,/->
Characteristic quantity representing information of each commodity house, </i >>
Representing the total commodity house information quantity collected by modeling classification;
and A2, calculating a model k value according to the commodity house information data, wherein the model k value is calculated according to the commodity house information data, and the process is as follows:
wherein 
Representing the number of initially selected parameters>
Representing information of commodity house at the time of test, +.>
Representing decision +.>
Category of->
，/>
Representing the category of the currently predicted merchandise room information,/->
Representing an indication function->
Representing the actual category of the commodity house information currently predicted;
and step A3, specifically determining the value of k, and carrying out model test on the value of k, wherein the process is as follows:
wherein 
Representing distance (I)>
Coordinate point representing commodity house information +.>
N represents the number of coordinate points of commodity house information; and calculating the distance between the coordinate point of the predicted commodity house information and the coordinate point of the original commodity house information through the establishment of the k value, calculating the coordinate point distance of the 3 original commodity house information closest to the coordinate point of the predicted commodity house information when k=3, and measuring the category of the predicted commodity house information according to the category of the 3 original commodity house information.
6. The blockchain architecture-based electronic commerce acceptance draft financing device of claim 5 wherein the upstream enterprise node further comprises: and applying the electronic business acceptance draft financing block constructed by the ticket holder after the electronic business acceptance draft back book, and financing the electronic business acceptance draft to the financing service platform by the ticket holder to construct the financing demand block.
7. The blockchain architecture-based electronic commerce acceptance draft financing apparatus of claim 5 further comprising:
after receiving a trigger instruction of successful financing of the financing service platform, a developer node constructs an information block which is repayment to a fund party through a pre-selling fund supervision account, and adds the information block which is at present and is supposed to be repayment into a blockchain;
after receiving the repayment trigger instruction, the financing service platform and the fund party node construct a sales block according to the current repayment information block, and the sales block is added into the blockchain.
8. The blockchain architecture-based electronic commerce acceptance draft financing device of claim 5 wherein the blockchain node further comprises: insurance agency nodes, notarization agency nodes and judicial agency nodes.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
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