CN111967985A - Block chain-based acceptance draft management method - Google Patents
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Abstract
The invention discloses a block chain-based acceptance draft management method, which applies a block chain technology to a bank acceptance draft service and solves the problems of easy counterfeiting, slow transaction, illegal transaction, discontinuous endorsement, large resource consumption and the like of the traditional bank acceptance draft service; meanwhile, the safe multi-party computing technology is applied to the bank acceptance bill business, the privacy protection of the account book information of each node is guaranteed, and the problem that the traditional bank acceptance bill business is poor in confidentiality is solved. Meanwhile, the information of the applicant is obtained, the credit worthiness of the applicant is verified, risk judgment is provided for the ticket holder, and unnecessary loss of the ticket holder is further reduced or avoided.
Description
Technical Field
The invention relates to the field of acceptance drafts, in particular to a block chain-based acceptance draft management method.
Background
The bank acceptance draft refers to the draft service that a payer draws a draft in an account bank of the payer, and the bank is used as the payer to ensure that the payer can be cashed unconditionally on a specified date. The business types comprise acceptance, endorsement transfer, paste, transfer paste, re-paste and the like. At present, the traditional bank acceptance draft mainly has the following problems: one is that the ticket is easily counterfeited. The bank acceptance draft has low manufacturing cost, is easy to be forged by lawless persons, carries out fraud in the bill market, and has the timeliness problem of the transaction of the bank acceptance draft. The bank accepts the draft transaction cycle is longer, there are the problem that the drawer can't transfer money on time, etc., the third is there is the transaction problem of violation. The supervision unit can not monitor the bank acceptance draft in real time, illegal transactions can not be found in time, and the problem of discontinuous endorsement is solved. The bank acceptance draft has the problem of discontinuous endorsement due to non-standard operation, and the fifth is high resource consumption. The supervision unit has higher management cost and higher resource consumption for the bank acceptance draft.
Meanwhile, for the ticket holder who accepts the draft, there are risks, such as risks from the applicant itself, including operating conditions, legal disputes, etc., which may cause the acceptance draft held by the ticket holder to fail to be paid after expiring, resulting in loss to the ticket holder. Therefore, there is an urgent need for a method for managing acceptance drafts, in which each participant can establish a credit mechanism, and prompt and control the risk corresponding to the acceptance draft.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides a block chain-based acceptance bill management method, and each participant can establish a trust mechanism, effectively control the risk of bill service and ensure that each transaction of acceptance bills is quick and effective.
The technical scheme adopted by the invention for solving the problems is as follows:
a block chain-based acceptance draft management method comprises the following steps:
s1, setting block chain nodes including applicant node, ticket holder node, payee node, payment bank node and electronic commercial draft node of people' S bank;
s2, each block chain node writes the acceptance bill information into the account book at the same time, encrypts the account book by adopting a Hash algorithm, and is connected with the block head of each node to form a bill block chain;
s3, finding out the bill hash value meeting the condition by the bill block chain to serve as a leaf node of the Merkle tree;
s4, confirming all transaction records of the block by the Merkle tree;
s5, the acceptance draft applicant finds the hash value of the payment bank, and gives an intelligent bill contract of the acceptance draft, the intelligent bill contract calculates the cost information according to the time appointed by the applicant and the payment bank, and the cost information is issued to each block chain node;
and S6, each block chain link point receives the expense information issued by the intelligent contract and executes the expense information.
Further, the following steps are also included between the steps S1 and S2:
and S12, performing identity authentication on each node of the block chain node by adopting secure multi-party calculation.
Further, the block chain-based acceptance draft management method further comprises the following steps:
and S7, acquiring the information of the applicant, and verifying the credit worthiness of the applicant.
Further, the step S8 further includes:
s71, obtaining applicant information including applicant business information, legal information, share right information, bank information, operation condition, operation risk, legal action and bidding information through a website public API or a crawler algorithm;
s72, acquiring the face information of the acceptance draft through OCR recognition, wherein the face information comprises a payee name, an account number, a payment bank name, a drawing amount, a draft deadline, an acceptance number, an applicant name, an account number and an account bank;
and S73, presetting applicant credit worthiness parameter threshold values, comparing the applicant information acquired in the step S71 and the acceptance draft ticket face information acquired in the step S72 with the preset applicant credit worthiness parameter threshold values, and verifying applicant credit worthiness.
Further, the step S73 includes: and comparing the legal litigation information of the applicant with a preset legal credit worthiness threshold at regular time, and sending a risk prompt when the legal litigation information exceeds the threshold, or not prompting the risk.
Further, the step S73 further includes: the calculation formula of the over-warning calculation is as follows:
in the formula, M1Acceptance and release amount of the seventh day with the current time node, M2Acceptance and release amount of the first day with the current time node, M3And when the AQ is judged to be variable, AQ is the accepting quantity increasing rate of the applicant.
Further, the step S73 further includes: calculating the super-exchange performance, and comprehensively calculating to obtain the performance score according to the proportion of the increment payment amount in the acceptance amount, wherein the calculation formula is as follows:
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively representing the total amount of the acceptance under the corresponding time node, and PII representing the quantitative relation between the settlement speed of the acceptance bill and the issuing speed of the acceptance bill.
Further, the step S73 further includes: calculating the market activity index according to the following calculation formula:
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
Further, the step S73 further includes: when the applicant creditables and verifies that the information is abnormal, alarming is carried out, and the alarming mode comprises the following steps: in-station messages, software popup, e-mails, short messages, voice calls.
Compared with the prior art, the invention has the following beneficial effects:
1. the block chain technology is applied to the bank acceptance bill service, and the problems of easy counterfeiting, slow transaction, illegal transaction, discontinuous endorsement, large resource consumption and the like of the traditional bank acceptance bill service are solved.
2. The safe multi-party computing technology is applied to the bank acceptance bill business, the privacy protection of the ledger information of each node is guaranteed, and the problem that the confidentiality of the traditional bank acceptance bill business is poor is solved.
3. The method and the system have the advantages that the information of the applicant is obtained, the credit worthiness of the applicant is verified, risk judgment is provided for the ticket holder, and unnecessary loss of the ticket holder is further reduced or avoided.
Drawings
FIG. 1 is a schematic flow chart of the method of the present invention.
Detailed Description
The present invention will be described in further detail with reference to examples and drawings, but the present invention is not limited to these examples.
Example 1
As shown in fig. 1, a block chain-based acceptance draft management method includes the following steps:
a block chain-based acceptance draft management method comprises the following steps:
s1, setting block chain nodes including applicant node, ticket holder node, payee node, payment bank node and electronic commercial draft node of people' S bank;
s2, each block chain node writes the acceptance bill information into the account book at the same time, encrypts the account book by adopting a Hash algorithm, and is connected with the block head of each node to form a bill block chain;
s3, finding out the bill hash value meeting the condition by the bill block chain to serve as a leaf node of the Merkle tree;
s4, confirming all transaction records of the block by the Merkle tree;
s5, the acceptance draft applicant finds the hash value of the payment bank, and gives an intelligent bill contract of the acceptance draft, the intelligent bill contract calculates the cost information according to the time appointed by the applicant and the payment bank, and the cost information is issued to each block chain node;
and S6, each block chain link point receives the expense information issued by the intelligent contract and executes the expense information.
The embodiment applies the block chain technology to the bank acceptance bill business, combines the blocks which are connected in series in a sequential connection mode by using the cryptography technology, and ensures the safe and reliable distributed account book of the acceptance transaction by using the intelligent contract. The block chain has decentration, independence, openness, anonymity and safety. The method comprises the steps of going to a center, namely a blockchain, without any third-party supervision mechanism, enabling all nodes to be in an equal position in the blockchain, enabling all nodes to be in direct communication with each other without passing through third-party nodes, enabling independence to mean that all nodes of the blockchain are independent from each other and each node is independent of any other node, enabling the transaction among all nodes of the blockchain to be public to the whole network, enabling each node to locally store a complete account book, automatically updating transaction records of the account book when the transaction occurs, enabling anonymity to mean that the nodes in the blockchain are not public to external information, well protecting privacy information of the nodes, and enabling the transaction of all nodes in the blockchain to be safe and reliable and not to be maliciously tampered by other nodes.
In this embodiment, a block chain platform is built by using a hyper leader franic technology, and the hyper leader franic includes members, block chains, transactions, and intelligent contracts. 5 nodes are set according to the business characteristics of the bank acceptance draft, and are respectively an applicant, a ticket holder, a payee, a payment bank and a people bank electronic commercial draft. The 5 nodes write the bank acceptance bill information into the account book at the same time point, encrypt the account book through a Hash algorithm, and are connected with the block heads of all the nodes of the bank acceptance bill to form a bill block chain. The bill block chain accounting needs to find out the bill hash value meeting a specific condition, and the bill hash value is taken as a leaf node of the Merkle tree. Finally, all transaction records for the entire block are validated through the Merkle tree. When the bank acceptance draft applicant finds the hash value of the payment bank, the bank acceptance draft intelligent bill contract is given to the bank. The intelligent bill contract can calculate the interest and the commission fee according to the time appointed by the bank acceptance bill applicant and the payment bank, and the information is issued to all the participating nodes of the bill block chain. When each participating node of the bill block chain receives the information issued by the intelligent bill contract, each term or rule of the contract can be fulfilled, and a supervision unit can easily track whether the examination and the certification are equal to the legal contract or not.
The technical scheme of the embodiment solves the problems of easy counterfeiting, slow transaction, illegal transaction, discontinuous endorsement, high resource consumption and the like of the traditional bank acceptance bill service to a great extent. Applying the block chain technology to the bank acceptance bill service can:
1. the blockchain is applied to each transaction scene of the bank acceptance draft, the integrity and the transparency of transaction data of the bank acceptance draft are ensured, all transaction records can be tracked and can not be maliciously tampered, the authenticity of bill information and transaction is ensured, the risk of bill business is effectively controlled, and the bill counterfeiting behavior is avoided.
2. Because the block chain technology has the characteristics of decentralization, independence, openness and the like, all participating parties share the account book information in the bank acceptance bill transaction process, and all transaction information is shared. And through the intelligent bill contract, the payment time, payment amount, commission charge, interest rate, interest and the like of the drawer, the payment bank and the payee are agreed, and payment is carried out at the appointed time agreed, so that the transaction of the bank accepting the bill is ensured to be quick and effective.
3. The intelligent bill contract makes the trade easy to control, and the trade of bank acceptance bill is realized by code, so that the trade of bank acceptance bill no longer needs on-line contract as guarantee, and various appointments and rules in the trade are written into the intelligent bill contract, thereby avoiding the default phenomenon in the bank acceptance bill service line.
4. The distributed ledger in the block chain of notes records all transactions that have occurred since each node of the whole network has been established. The transaction records are issued to the whole network in real time, so that each participant in the bank acceptance draft is ensured to store detailed transaction record information, and the endorsement continuity is ensured.
5. When each participating node of the bill block chain receives the information issued by the intelligent bill contract, each agreement or clause in the contract can be automatically fulfilled, and a supervision unit can easily monitor the legality and compliance of the bank acceptance bill service.
Example 2
The present embodiment is different from embodiment 1 in that the following steps are further included between step S1 and step S2: and performing identity verification on each node of the block chain node by adopting safe multi-party calculation.
In order to further solve the problem of confidentiality of bank acceptance bill business, the privacy protection of the account book information of each node on the bill block chain is not enough based on a common encryption algorithm, the embodiment adopts a safe multi-party computing technology to be applied to the block chain, and 5 nodes in the bill block chain are subjected to identity verification through safe multi-party computing. The purpose of using the secure multi-party computing is to solve the problem that in a mutually untrusted bill block chain, each user can cooperatively execute a certain computing task while protecting respective privacy information. Through safe multiparty calculation, a payment bank in the bill block chain can publish the billing information of the applicant to each node of the whole network, but also can ensure the privacy information of the applicant and ensure the safety of each party of the bill acceptance bill of the bank.
According to the technical scheme, the safe multiparty computing technology is applied to the bill block chain, and privacy protection of the account book information of each node is further guaranteed. The safety multi-party technology is applied to the bank acceptance bill business, and the bill block chain improves the data confidentiality capacity of the bill block chain by adopting the safety multi-party computing technology so as to adapt to various scenes of bank acceptance bill transaction. And the safe multi-party computing technology is adopted to carry out identity verification on the information of each node, so that the privacy safety is enhanced, and the privacy safety problem that the distributed account book information is exposed in the whole network is solved.
Example 3
The openness of the block chain technology can well solve the authenticity of bank acceptance draft, but cannot verify the credit information of the drawer. The embodiment discloses a system and a method for verifying credit worthiness of an applicant, which are used for acquiring information of the applicant, verifying the credit worthiness of the applicant, providing risk judgment for a ticket holder and further reducing or avoiding unnecessary loss of the ticket holder.
The system for credit worthiness verification of the applicant comprises:
the applicant information acquisition module is used for acquiring the relevant information of the applicant and recording the information into the database;
the risk analysis module of the applicant is used for giving corresponding risk prompts according to the related information of the applicant;
the applicant bank information acquisition and analysis module is used for acquiring the data of the applicant's host bank and sending an abnormal risk prompt to the applicant by using the bill issued by the non-host bank;
the bill exchange and payment record inquiry module is used for inquiring the exchange and payment record of the acceptance and payment bill and carrying out risk prompt according to the abnormal acceptance condition;
and the transaction price acquisition module is used for acquiring the applicant of the acceptance draft, the face amount of the draft and the actual transaction price, inputting the information into the database and carrying out risk prompt according to the abnormal acceptance condition.
Specifically, through means such as but not limited to website public api, crawler and the like, information such as worker information, legal information, share right information, business conditions, operational risks, legal action cases, bidding information and the like of a required applicant are acquired from enterprise public information query platforms such as enterprise research, sky-eye research, messenger and the like, Chinese referee document web and referee document web of each region, and each large nationwide and regional bidding website, and stored in a database to realize relevant information acquisition of the applicant.
In the embodiment, the applicant risk analysis module comprises a bidding analysis submodule and a litigation analysis submodule, wherein the bidding analysis submodule intelligently compares whether the drawer, the ticket receiver, the nominal amount and the like meet the bidding conditions according to the applicant information collected by the applicant information collection module, and sends out a risk prompt if the drawer, the ticket receiver, the nominal amount and the like are abnormal, otherwise, the risk is not prompted;
and the litigation analysis submodule is used for regularly comparing data of the designated applicant according to the legal dispute information of the applicant collected by the applicant information collection module, and sending a risk prompt when the designated applicant reaches an early warning threshold, otherwise, not prompting the risk. The early warning threshold value refers to that a user can set a risk prompt after the dispute type and the dispute number of the applicant meet the conditions according to the requirements.
The bill cashing record query module comprises a bill cashing basic information collection submodule, a basic information processing submodule, a graphical data processing submodule, a historical data list submodule and an acceptance abnormity alarm submodule, wherein the bill cashing basic information collection submodule is used for acquiring current cashing information of a required applicant and front and back information of the required bill and storing the current cashing information and the front and back information of the required bill into a database, the main mode can be a mode of directly capturing data by adopting a bank-enterprise direct connection system, or a mode of ocr identifying a graphical interface of bank online banking to acquire the current cashing information of the required applicant and the front and back information of the required bill and store the current cashing information and the front and back information of the required bill into the database, and the bank-enterprise direct connection system belongs to.
The basic information processing submodule is used for processing the current cashing information of the required applicant and the front and back information of the required bill, which are acquired by the bill cashing basic information collecting submodule, automatically removing redundant data and recording abnormal data according to the graphical requirement and intelligent logical judgment of the front end, simplifying useless fields, and finally storing the processed data in a database;
the graphical data processing submodule is used for reading the data processed by the basic information processing submodule from a database or a cache according to the actual business requirements of a user and sending the data to a user side, and the user side can completely display or temporarily hide the display of partial data through means such as authority control.
The front-end graphical requirement refers to data of the graphical display requirement, normal cashing record query cannot meet the data graphical requirement of a user, for example, a curve graph can be drawn only by at least 2-3 data nodes, for example, lifting amplitude data can be drawn only by at least 2 data pairs, and also the traditional cashing record query is a variable graph, and the previous data cannot be recorded, and the graph display cannot be generated.
For example, if bank data is classified for repudiation, the repudiation data of this year and the repudiation data of the last year are inhibited to have intuitive errors, and certainly, the errors may be historical legacy problems. In the existing bank data, the total number of rejected payments in the last year is not changed in fact after the last year is carried out, and the accumulation is returned to the rejected payments in the present year, the query result of each tested bank is the prompt, but the data is wrong data in data analysis.
The historical data list submodule is used for reading the data processed by the basic information processing submodule from the database or the cache according to the actual service requirement of the user and sending the data to the user side in an array form.
The acceptance abnormity alarming submodule is used for alarming the abnormal data recorded by the basic information processing submodule, and the alarming mode includes but is not limited to: in-station messages, software popup, e-mails, short messages, voice calls.
In order to better meet the requirement of a user on risk prompt, the bill information processing submodule of the embodiment comprises an overdue early warning calculation unit, a cash delivery performance calculation unit and a market activity index calculation unit, wherein the overdue early warning calculation unit is used for calculating the synchronization level of the last month and the year, and the calculation formula is as follows:
in the formula, M1The acceptance and release amount, also called acceptance number of strokes, M, of the seventh day with the current time node2Acceptance and release amount of the first day with the current time node, M3Judging as variable, when the billing time of the enterprise is more than or equal to 1 year, M3Representing the monthly release amount of the same day of the last year of the current time node, and when the enterprise invoicing time is less than 1 year, M3And taking the day with the invoicing amount more than 100 as a node, and increasing the accepting amount of the applicant by AQ.
In the calculation method, the AQ (the acceptance quantity increasing rate of the applicant) is calculated, so that the acceptance increasing rate of the applicant is intuitively known. When the acceptance rate represented by AQ is too fast, for example, may be more than 60%, even 80%, it may be considered that the applicant has a possibility of overdue, that is, the current acceptance amount may exceed the real amount contract, and the later stage may increase the risk of acceptance, so as to provide a certain data reference for the user to control the risk, and reduce the risk. Of course, the specific amount of AQ is considered that the applicant has the possibility of being overflowed, and different users have different judgment standards for different applicants, so that the users can judge according to the actual conditions of the users and the applicants. By adopting the superhair warning calculation, the blank that the existing user cannot judge the superhair risk possibly existing in the applicant is made up, actual data reference is provided for reducing the cashing risk, and the method is beneficial for the user to accurately judge whether the applicant has the cashing risk or not, is an important innovation point of the application, can meet the great judgment requirement of the user, and avoids the risk for the user as much as possible.
In this embodiment, the redemption performance calculating unit is configured to calculate the performance score comprehensively according to the proportion of the incremental payment amount in the acceptance amount, and the calculation formula is as follows:
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively representing the total amount of the acceptance at the corresponding time node, representing the quantitative relation between the settlement speed of the acceptance bill and the issuing speed of the acceptance bill, when PII is less than or equal to 1, indicating that the settlement speed of the acceptance bill is greater than the issuing speed of the acceptance bill, and when PII is greater than 1, indicating that the issuing speed of the acceptance bill is too large, and the cashing risk possibly exists, and meanwhile, comprehensively judging whether the cashing risk exists at the moment of the applicant by combining with the early warning of the overdue risk, and providing data support for the judgment of the cashing risk by a user.
In this embodiment, the market activity index calculation unit is configured to calculate the market activity, and the calculation formula is as follows:
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
forecast is forecast data, called financing cost for enterprises, comes from crawlers, actual is real data, and comes from user transaction background data, when the background real transaction data (real price) is equal to the same value for a long time, no new transaction is achieved in the market during the period, and the more frequent the fluctuation is, the more active the market behavior is, the user can judge and evaluate the exchange and payment risk of the applicant according to the market activity index.
The transaction price acquisition module comprises a transaction data acquisition sub-module, a transaction data processing sub-module, a transaction data graphical processing sub-module, a transaction data historical data list sub-module and a transaction data acceptance abnormity alarm sub-module, wherein the transaction data acquisition sub-module is used for regularly collecting bill transaction data of each large bill transaction platform and inputting information of an applicant, a bill amount, an actual transaction price and the like of a bill into a database. The transaction price collection can be realized by collecting the bill transaction data of large bills according to a transaction platform at regular time through a crawler, such as a same-city bill network, a deep bill network, a bill sticker and the like, and inputting information of an applicant of the bill, the bill surface amount, the actual transaction price and the like into a database.
The transaction data processing submodule is used for processing the data collected by the transaction data acquisition submodule, automatically removing redundant data and recording abnormal data according to the requirements of front-end imaging and intelligent logic judgment, simplifying useless fields, and finally storing the processed data in a database;
the transaction data graphical processing submodule is used for reading the data processed by the transaction data processing submodule from a database or a cache according to the actual business requirements of a user and sending the data to a user side, and the user side can completely display or temporarily hide the display of partial data through means such as authority control.
The historical data list submodule of the transaction data is used for reading the data processed by the transaction data processing submodule from the database or the cache according to the actual business requirements of the user and sending the data to the user side in an array form. In addition, classified query can be carried out according to data entry time, applicant name and the like.
The transaction data acceptance abnormity alarming submodule is used for alarming the abnormal data recorded by the transaction data processing submodule, and the alarming mode includes but is not limited to: in-station messages, software popup, e-mails, short messages, voice calls.
The embodiment provides a method for credit worthiness verification of an applicant, which comprises the following steps:
the method comprises the steps of applicant information acquisition, namely acquiring relevant information of an applicant and recording the information into a database;
the risk analysis step of the applicant is used for giving corresponding risk prompts according to the related information of the applicant;
the method comprises the steps of applicant bank information acquisition and analysis, wherein the applicant bank information acquisition and analysis step is used for acquiring the data of the applicant's host bank and sending an abnormal risk prompt to the applicant by using a bill issued by a non-host bank;
a bill exchange record inquiry step, which is used for inquiring the exchange record of the acceptance bill and carrying out risk prompt according to the abnormal acceptance condition;
and a transaction price acquisition step, which is used for acquiring the applicant of the acceptance draft, the face amount of the draft and the actual transaction price, inputting the transaction price into a database and carrying out risk prompt according to the abnormal acceptance condition.
The applicant risk analysis step comprises a bid analysis step and a litigation analysis step, wherein the bid analysis step intelligently compares whether the drawer, the ticket receiver, the nominal amount and the like meet the bid condition or not according to the applicant information collected by the applicant information collection module, if yes, a risk prompt is sent, and otherwise, the risk is not prompted;
and the litigation analyzing step is used for regularly comparing data of the designated applicant according to the legal dispute information of the applicant collected by the applicant information collecting module, and sending a risk prompt when the designated applicant reaches an early warning threshold, otherwise, not prompting the risk.
The bill cashing record query step comprises a bill cashing basic information collection step, a basic information processing step, a graphical data processing step, a historical data listing step and a acceptance abnormity alarm step, wherein the bill cashing basic information collection step is used for acquiring the current cashing information of a required applicant and the front and back information of a required bill and storing the current cashing information and the front and back information into a database;
the basic information processing step is used for processing the current cashing information of the required applicant and the front and back information of the required bill, which are acquired in the bill cashing basic information collecting step, automatically removing redundant data and recording abnormal data according to the requirements of front end imaging and intelligent logic judgment, simplifying useless fields, and finally storing the processed data in a database;
the graphical data processing step is used for reading the data processed in the basic information processing step from a database or a cache according to the actual service requirement of a user and sending the data to a user side;
the historical data listing step is used for reading the data processed in the basic information processing step from a database or a cache according to the actual service requirement of a user and sending the data to a user side in an array form;
the acceptance abnormity alarming step is used for alarming the abnormal data recorded in the basic information processing step, and the alarming mode includes but is not limited to: in-station messages, software popup, e-mails, short messages, voice calls.
The bill information processing step comprises an overdose early warning calculation step, a cash delivery performance calculation step and a market activity index calculation step, wherein the overdose early warning calculation step is used for calculating the synchronization level of the last month and the year, and the synchronization level of the last month and the year is calculated
In the formula, M1Acceptance and release amount of the seventh day with the current time node, M2Acceptance and release amount of the first day with the current time node, M3The AQ is the accepting quantity increasing rate of the applicant when the AQ is judged to be variable;
the cashing performance calculation step is used for comprehensively calculating the performance score according to the proportion of the increment payment amount in the acceptance amount, and the calculation formula is as follows:
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively represents the total amount of money to be accepted under the corresponding time node, and PII represents the bill of money to be acceptedThe quantitative relation between the settlement speed and the issuing speed of the acceptance draft;
the market activity index calculation step is used for calculating the market activity degree, and the calculation formula is as follows:
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
The transaction price acquisition step comprises a transaction data acquisition step, a transaction data processing step, a transaction data graphical processing step, a transaction data historical data listing step and a transaction data acceptance abnormity alarming step, wherein the transaction data acquisition step is used for regularly collecting the bill transaction data of each large bill transaction platform and inputting information of an applicant of a bill, a bill amount, an actual transaction price and the like into a database;
the transaction data processing step is used for processing the data collected in the transaction data acquisition step, automatically removing redundant data and recording abnormal data according to the requirements of front-end imaging and intelligent logic judgment, simplifying useless fields, and finally storing the processed data in a database;
the transaction data graphical processing step is used for reading the data processed in the transaction data processing step from a database or a cache according to the actual service requirement of a user and sending the data to a user side;
the transaction data historical data listing step is used for reading the data processed in the transaction data processing step from a database or a cache according to the actual business requirements of the user and sending the data to the user side in an array form;
and the transaction data acceptance abnormity alarming step is used for alarming the abnormal data recorded in the transaction data processing step, and the alarming mode comprises but is not limited to the following steps: in-station messages, software popup, e-mails, short messages, voice calls.
As described above, the present invention can be preferably realized.
The foregoing is only a preferred embodiment of the present invention, and the present invention is not limited thereto in any way, and any simple modification, equivalent replacement and improvement made to the above embodiment within the spirit and principle of the present invention still fall within the protection scope of the present invention.
Claims (9)
1. A block chain-based acceptance draft management method is characterized by comprising the following steps:
s1, setting block chain nodes including applicant node, ticket holder node, payee node, payment bank node and electronic commercial draft node of people' S bank;
s2, each block chain node writes the acceptance bill information into the account book at the same time, encrypts the account book by adopting a Hash algorithm, and is connected with the block head of each node to form a bill block chain;
s3, finding out the bill hash value meeting the condition by the bill block chain to serve as a leaf node of the Merkle tree;
s4, confirming all transaction records of the block by the Merkle tree;
s5, the acceptance draft applicant finds the hash value of the payment bank, and gives an intelligent bill contract of the acceptance draft, the intelligent bill contract calculates the cost information according to the time appointed by the applicant and the payment bank, and the cost information is issued to each block chain node;
and S6, each block chain link point receives the expense information issued by the intelligent contract and executes the expense information.
2. The block chain-based acceptance draft management method of claim 1, wherein the steps between S1 and S2 further comprises the steps of:
and S12, performing identity authentication on each node of the block chain node by adopting secure multi-party calculation.
3. The blockchain-based acceptance draft management method of claim 1, further comprising the steps of:
and S7, acquiring the information of the applicant, and verifying the credit worthiness of the applicant.
4. The method for block-chain-based acceptance draft management according to claim 3, wherein said step S7 further comprises:
s71, obtaining applicant information including applicant business information, legal information, share right information, bank information, operation condition, operation risk, legal action and bidding information through a website public API or a crawler algorithm;
s72, acquiring the face information of the acceptance draft through OCR recognition, wherein the face information comprises a payee name, an account number, a payment bank name, a drawing amount, a draft deadline, an acceptance number, an applicant name, an account number and an account bank;
and S73, presetting applicant credit worthiness parameter threshold values, comparing the applicant information acquired in the step S71 and the acceptance draft ticket face information acquired in the step S72 with the preset applicant credit worthiness parameter threshold values, and verifying applicant credit worthiness.
5. The method as claimed in claim 4, wherein the step S73 includes: and comparing the legal litigation information of the applicant with a preset legal credit worthiness threshold at regular time, and sending a risk prompt when the legal litigation information exceeds the threshold, or not prompting the risk.
6. The method for block-chain-based acceptance draft management according to claim 4, wherein said step S73 further comprises: the calculation formula of the over-warning calculation is as follows:
in the formula, M1Acceptance and release amount of the seventh day with the current time node, M2Acceptance and release amount of the first day with the current time node, M3The AQ is the accepting quantity increasing rate of the applicant when the AQ is judged as variable。
7. The method for block-chain-based acceptance draft management according to claim 4, wherein said step S73 further comprises: calculating the super-exchange performance, and comprehensively calculating to obtain the performance score according to the proportion of the increment payment amount in the acceptance amount, wherein the calculation formula is as follows:
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively representing the total amount of the acceptance under the corresponding time node, and PII representing the quantitative relation between the settlement speed of the acceptance bill and the issuing speed of the acceptance bill.
8. The method for block-chain-based acceptance draft management according to claim 4, wherein said step S73 further comprises: calculating the market activity index according to the following calculation formula:
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
9. The method for block-chain-based acceptance draft management according to claim 4, wherein said step S73 further comprises: when the applicant creditables and verifies that the information is abnormal, alarming is carried out, and the alarming mode comprises the following steps: in-station messages, software popup, e-mails, short messages, voice calls.
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Denomination of invention: A Blockchain based Acceptance Bill Management Method Granted publication date: 20210413 Pledgee: Chengdu Rural Commercial Bank Co.,Ltd. Jinniu Branch Pledgor: Sichuan Chuantuoyun Chain Technology Co.,Ltd. Registration number: Y2024980023775 |