WO2021143081A1 - 区块链供应链金融平台的数字化运作方法及其装置 - Google Patents

区块链供应链金融平台的数字化运作方法及其装置 Download PDF

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WO2021143081A1
WO2021143081A1 PCT/CN2020/102684 CN2020102684W WO2021143081A1 WO 2021143081 A1 WO2021143081 A1 WO 2021143081A1 CN 2020102684 W CN2020102684 W CN 2020102684W WO 2021143081 A1 WO2021143081 A1 WO 2021143081A1
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digital
platform
enterprise
amount
core
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PCT/CN2020/102684
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French (fr)
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肖光昱
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肖光昱
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • This application relates to the field of electronic payment technology, and in particular to a digital operation method and device for a blockchain supply chain financial platform.
  • the main purpose of this application is to provide a supply chain financial platform system based on blockchain technology and its circulation and clearing method, aiming to solve the problem of insufficient liquidity in enterprises that delays the process of investment projects.
  • this application provides a digital operation method of a blockchain supply chain financial platform.
  • the digital operation device of the blockchain supply chain financial platform is a large-scale platform system and a blockchain supply chain financial platform.
  • the digital operation device includes a comprehensive platform, an alliance chain platform, and a supply chain collaboration platform.
  • the digital operation method of the blockchain supply chain financial platform includes the following steps:
  • the integrated platform receives a request for generating a digital amount, and obtains the first transaction information of the enterprise corresponding to the generation request from the alliance chain platform, and the supply chain collaboration platform will obtain the transaction information of the enterprise under real trade Stored in the blockchain platform;
  • the enterprise When the enterprise has the qualification to generate digital amounts, the enterprise is set as a core enterprise, and the first digital amount is issued to the core enterprise;
  • the method further includes:
  • the method further includes:
  • the amount of the money is credited to the collection account corresponding to the non-core enterprise.
  • the financing request is a financing request generated by the credit of the core enterprise that splits the second digital fund
  • the amount of money corresponding to the financing request is greater than or equal to the second digital amount
  • the step of judging whether the enterprise has the qualification to generate digital amounts according to the first transaction information includes:
  • the step of issuing a first digital amount to the core enterprise includes:
  • the first digital amount corresponding to the digital quota is issued to the core enterprise.
  • the method further includes:
  • prompt information is sent to the terminal corresponding to the core enterprise, so that the core enterprise enters the supply chain finance platform system based on the prompt information.
  • this application also provides a digital operation device for a blockchain supply chain financial platform.
  • the digital operation device of the blockchain supply chain financial platform includes a comprehensive platform, a supply chain collaboration platform, and an alliance chain platform.
  • the integrated platform is respectively connected with the supply chain collaboration platform and the alliance chain platform, where:
  • the integrated platform is configured to receive a request for generating a digital amount, and obtain the first transaction information of the enterprise corresponding to the generation request from the alliance chain platform, and determine whether the enterprise has a generation request based on the first transaction information.
  • the qualification of digital amount and when the enterprise has the qualification to generate digital amount, the enterprise is set as a core enterprise, the first digital amount is issued to the core enterprise, and the first digital amount is compared with the Account information association of core companies;
  • the supply chain collaboration platform is used to obtain transaction information under the real trade of the enterprise, and send the transaction information to the alliance chain platform for storage.
  • the alliance chain platform is used to store transaction information sent by the supply chain collaboration platform.
  • the integrated platform is used to determine the operation capability value of the enterprise, the fund repayment capability value, and the reputation value.
  • the supply chain financial platform system includes a third-party system module, and the integrated platform performs data interaction with a third-party terminal through the third-party system module.
  • the digital operation method and device of the blockchain supply chain financial platform proposed in the embodiments of this application.
  • the digital operation device of the blockchain supply chain financial platform includes an alliance chain platform, a supply chain collaboration platform and an integrated platform.
  • the integrated platform receives digital amounts. And obtain the first transaction information of the company corresponding to the generation request from the alliance chain platform, so as to determine whether the company has the qualification to generate digital amounts based on the first transaction information. If the user has the qualification to generate digital amounts, the company will be Set up as a core company, and issue a digital amount for the company, so that the company can use the digital amount to make online payments.
  • the digital operation device of the blockchain supply chain financial platform can generate digital amounts for core enterprises to serve as core enterprises' liquidity, thereby increasing the core enterprises' liquidity and slowing down the delay in the process of investment projects; at the same time, transaction information is controlled by Obtained from the alliance chain platform, due to the immutability and fairness of the data in the blockchain technology, the digital operation device of the blockchain supply chain financial platform can accurately determine whether the company has the qualification to hold digital amounts based on the transaction information. The authenticity and validity of the digital amount are guaranteed.
  • FIG. 1 is a system architecture diagram of the digital operation device of the blockchain supply chain financial platform involved in the scheme of the embodiment of the present application;
  • FIG 2 is another system architecture diagram of the digital operation device of the blockchain supply chain financial platform involved in the scheme of the embodiment of the application;
  • FIG. 3 is a schematic flowchart of the first embodiment of the digital operation method of the blockchain supply chain financial platform of the application
  • FIG. 4 is a schematic diagram of the detailed flow of step S20 in FIG. 3;
  • FIG. 5 is a detailed flowchart of step S30 in FIG. 3;
  • FIG. 6 is a schematic flow diagram of the second embodiment of the digital operation method of the application blockchain supply chain financial platform
  • FIG. 7 is a schematic flowchart of the third embodiment of the digital operation method of the blockchain supply chain financial platform of the application.
  • FIG. 8 is a schematic flowchart of a fourth embodiment of the digital operation method of the blockchain supply chain financial platform of the application.
  • the main solution of the embodiment of the application is to receive a request for generating a digital amount, and obtain the first transaction information of the company corresponding to the request for generation from the alliance chain platform, and the supply chain collaboration platform will obtain the company’s first transaction information.
  • the transaction information under real trade is stored in the blockchain platform; according to the first transaction information, it is determined whether the enterprise has the qualification to generate digital amounts; when the enterprise has the qualification to generate digital amounts, the enterprise is set Is a core company and pays a first digital amount to the core company; associates the first digital amount with the core company’s account information so that the core company holds the first digital amount, so The core enterprise can use the first digital amount for online payment, financing, and circulation.
  • the digital operation device of the blockchain supply chain financial platform can generate digital amounts for core enterprises to serve as core enterprises' liquidity, thereby increasing the core enterprises' liquidity and slowing down the delay in the process of investment projects; at the same time, transaction information is controlled by Obtained from the alliance chain platform, due to the immutability and fairness of the data in the blockchain technology, the digital operation device of the blockchain supply chain financial platform can accurately determine whether the company has the qualification to hold digital amounts based on the transaction information. The authenticity and validity of the digital amount are guaranteed.
  • Fig. 1 is a system architecture diagram of the digital operation device of the blockchain supply chain financial platform involved in the scheme of the embodiment of the present application.
  • the digital operation device 100 of the blockchain supply chain financial platform includes a supply chain collaboration platform 110, an alliance chain platform 120, and an integrated platform 130 connected to each other.
  • the alliance chain platform 130 includes multiple blockchain nodes.
  • the digital operation device 100 of the blockchain supply chain financial platform is a large-scale platform system.
  • the supply chain collaboration platform 110 is used to obtain transaction information in the context of real trade of the enterprise, and send the transaction information to the alliance chain platform for storage.
  • the supply chain collaboration platform 110 uses APIs to upload contracts, orders, delivery confirmation, warehousing records, reconciliation and settlement, invoices, and accounts receivable data on the chain, and the upstream and downstream enterprise nodes of the alliance chain nodes, core enterprise nodes, and supply
  • the chain collaboration platform node, the regulatory agency node, and the fund provider jointly confirm the entire chain to ensure that the fund provider has a clear understanding of the demander's operation and fund repayment ability.
  • the alliance chain platform 120 is used to store transaction information sent by the supply chain collaboration platform.
  • the alliance chain platform 120 uses the blockchain smart contract platform of the alliance chain networking model as the underlying architecture to build suppliers, purchasers, logistics providers, supply chain collaboration cloud platforms + bank/non-bank finance that serve the manufacturing field Institution’s application platform.
  • the alliance chain platform 120 includes multiple blockchain nodes, and each blockchain node is connected to a terminal corresponding to an enterprise, so that each enterprise forms a supply chain.
  • the data of each node in the supply chain is connected in real time using the Internet of Things, blockchain technology, and 5G technology to ensure the consistency of transaction data and cannot be tampered with, increasing the credible value of data.
  • the integrated platform 130 is used to retrieve transaction information in the alliance chain platform 120 to realize the financing business, clearing business, payment business, and capital adjustment business of the enterprise. It is understandable that the integrated platform 130 can be regarded as the center of the digital operation device of the blockchain supply chain financial platform.
  • the integrated platform 130 is used to implement any online transaction requested by various enterprises, such as enterprise financing business, clearing business, and payment. Business and capital adjustment business.
  • the integrated platform 130 can also actively adjust the funds corresponding to each node of the supply chain, that is, the integrated platform 130 realizes the fund adjustment of the supply chain nodes.
  • the integrated platform 130 learns that a certain supply chain node has insufficient funds based on the funding information of the transaction information in the alliance chain platform, and the integrated platform 130 retrieves funds from the supply chain nodes with sufficient funds and transfers the funds to Supply chain nodes with insufficient funds. Funds here refer to digital funds.
  • the integrated platform 130 is also used to receive a digital amount generation request, and obtain the first transaction information of the enterprise corresponding to the generation request from the alliance chain platform, and determine whether the enterprise has the first transaction information according to the first transaction information.
  • Qualification to generate digital amounts and when the company has the qualification to generate digital amounts, set the company as a core company, and issue a first digital amount to the core company, and compare the first digital amount with the total amount. Describes the account information association of the core enterprise.
  • the digital operation device of the blockchain supply chain financial platform cooperates with third-party supervision and other means to close the funds or control property rights in the supply chain, and provide integrated finance such as credit and wealth management for upstream and downstream; combined with blockchain technology, Risks are easy to control and can help small and medium-sized enterprises in the manufacturing sector solve the problems of financing difficulties and high financing; help banks achieve differentiated competition, open up the small and medium-sized enterprises market, and realize inclusive finance; and help core enterprises improve the efficiency of the entire industrial chain. Help chain members to revitalize current assets, accelerate capital withdrawal, and convert inter-enterprise commercial credit into bank credit.
  • the digital operation device of the blockchain supply chain financial platform includes an interconnected supply chain collaboration platform, an alliance chain platform, a supply chain finance platform, and an integrated platform; the supply chain collaboration platform is used to obtain the real trading background of the enterprise The transaction information is sent to the alliance chain platform for storage; the alliance chain platform is used to store the transaction information sent by the supply chain collaboration platform; the integrated platform is used to retrieve the transaction information in the alliance chain platform to realize the financing of the enterprise Business, clearing business, payment business and capital adjustment business. Since the multi-party nodes of the alliance chain platform verify the real trading background of the transaction information, the integrated platform can conduct financing, clearing, payment, and capital adjustment services for the enterprise based on the transaction information under the real trading background, thereby ensuring The rights and interests of suppliers or financial institutions in corporate transactions.
  • the integrated platform 130 is used to obtain transaction information of a target company with funding needs collected by the supply chain collaboration platform, and standardize and digitize the target company’s assets according to the transaction information, and store the digitized assets in In the alliance chain platform.
  • the integrated platform 130 collects upstream and downstream small and medium-sized enterprises that have capital needs on the supply chain collaboration platform, including transactions, reconciliation and settlement, accounts receivable, bills, warehouse receipts, electronic commercial acceptance bills, and asset digitization and standardization of financing conditions.
  • Use the blockchain to complete and realize digital asset registration, chaining, financing, and confirmation of rights.
  • the accounts receivable are digitized and recorded on the blockchain, so that the accounts receivable can be transmitted at multiple levels.
  • the verification technology based on blockchain distributed ledger and data encryption and zero-knowledge proof ensures the authenticity and validity of digital assets.
  • Platform-based online electronic contracts and electronic invoices may be forged and difficult to prove themselves.
  • a consensus storage system for digital certificates is established through the blockchain. Based on the trade data of the supply chain collaboration platform, combined with AI technology to establish risk control models from different dimensions, output credit risk evaluation and pricing of small and micro enterprises, prevent financial risks, achieve quantitative credit grants, and tiered early warning.
  • the integrated platform 130 is also used to determine the credit of the enterprise and the capital repayment ability of the enterprise according to the transaction information of the enterprise provided by the supply chain collaboration platform.
  • the integrated platform 130 can associate the company's credit and fund repayment ability with the company and store it in the alliance chain platform.
  • the integrated platform 130 is also used to determine whether the company is a core company based on the company's credit and fund repayment ability. Specifically, the integrated platform 130 determines whether the credit and capital repayment capabilities are greater than their respective preset thresholds. If so, the enterprise is a core enterprise, and the enterprise is identified as the core enterprise, so that the identification and enterprise association are stored in the alliance chain platform.
  • the digital operation device 100 of the blockchain supply chain financial platform includes a third-party system module 140.
  • the integrated platform 130 interacts with the terminals of third-party institutions through the third-party system module 140.
  • the third-party terminals include banks, Factoring financial institutions, Zhongdeng.com, tax control systems, etc.
  • the third-party system module 140 includes a CFCA interface, a bank-enterprise direct connection interface, a China-login network interface, and a tax control system interface.
  • the CFCA interface is used for financing handling, reviewer identity authentication, Ukey frequent issuance and signature, electronic signature, and contract preservation;
  • the bank-enterprise direct connection interface is used for supplier financing requests to connect to the bank's funder business system through bank-enterprise direct connection ;
  • the interface of Zhongdeng.com is used for bill registration and query to prevent trade fraud and double financing risks. Tax control system interface, invoice query and verification of authenticity.
  • Figure 3 is the first embodiment of the digital operation method of the blockchain supply chain financial platform of the application.
  • the digital operation method of the blockchain supply chain financial platform includes the following steps:
  • Step S10 The integrated platform receives a request for generating a digital amount, and obtains the first transaction information of the enterprise corresponding to the generation request from the alliance chain platform, and the supply chain collaboration platform downloads the obtained enterprise's real trade information from the alliance chain platform.
  • the transaction information is stored in the blockchain platform;
  • the execution subject is the digital operation device of the blockchain supply chain financial platform
  • the digital operation device of the blockchain supply chain financial platform includes an alliance chain platform, a supply chain collaboration platform, and an integrated platform.
  • the alliance chain platform stores the transaction information of alliance members.
  • the transaction information includes trade data, warehousing and distribution data, enterprise data, and deposit data recorded in the trade chain ledger, financing data and institutional data recorded in the financing chain ledger, etc., multi-ledger chain
  • the above cross verifies the authenticity of key elements such as invoices and amounts in trade information and financing information, that is, transaction information needs to be authenticated by multiple blockchain nodes to ensure the authenticity and validity of transaction information.
  • the supply chain collaboration platform obtains transaction information under real trade and stores the transaction information in the alliance chain platform.
  • the enterprise can send a request for the generation of a digital amount to the integrated platform.
  • the digital amount is a virtual currency, which has the function of transaction payment, and the value of the digital amount can be applied to financial institutions such as banks on the integrated platform.
  • Digital amount can be understood as the amount of loans an enterprise makes to financial institutions such as banks.
  • the carrier of the digital amount can be digital wallets, digital asset certificates, etc.
  • the integrated platform can determine the enterprise information of the enterprise according to the generated request, and then obtain the first transaction information corresponding to the enterprise from the alliance chain platform according to the enterprise information.
  • Step S20 judging whether the enterprise has the qualification to generate digital amounts according to the first transaction information
  • the first transaction information can characterize the company's operational capabilities, capital repayment capabilities, and reputation. Operational ability, capital repayment ability, and reputation can be used to judge whether a company has the qualification to generate digital amounts, that is, to judge whether the company is qualified for loans.
  • step S20 includes:
  • Step S21 Determine the operating capability value, fund repayment capability value, and reputation value of the enterprise according to the first transaction information
  • Step S22 judging whether the operating capability value, the fund repayment capability value, and the reputation value are greater than their respective preset thresholds, where the operating capability value, the fund repayment capability value, and the reputation value When it is greater than the respective preset threshold, it is determined that the enterprise has the qualification to generate digital amounts.
  • the integrated platform After obtaining the first transaction information, the integrated platform analyzes the first transaction information, and digitizes the company's operational capabilities, capital repayment capabilities, and reputation to obtain the company's operational capabilities, capital repayment capabilities, and reputation values. The integrated platform then judges whether the operational capability value, capital repayment capability value, and reputation value are greater than their respective preset thresholds. If the operational capability value, capital repayment capability value, and reputation value are greater than their respective preset thresholds, the determined operation can be indicated With high ability and capital repayment ability, and good reputation, the company can be identified as a core company, and the company has the qualification to generate digital amounts.
  • Step S30 when the enterprise has the qualification to generate digital amounts, the enterprise is set as a core enterprise, and a first digital amount is issued to the core enterprise;
  • the integrated platform When determining that the company has the qualification to generate digital amounts, mark the company and set it as a core company.
  • the core company has a real trading background, and has a good reputation, strong operational capabilities and high capital repayment capabilities.
  • the integrated platform then issued the first digital amount to the core enterprise. Specifically, referring to FIG. 5, the first digital amount of money issued to the core enterprise in the step S30 includes:
  • Step S31 Determine the digital quota of the core enterprise according to the first transaction information
  • step S32 the first digital amount corresponding to the digital quota is issued to the core enterprise.
  • the integrated platform can determine the digital quota of the core enterprise based on the first transaction information. Specifically, the integrated platform sends the first transaction information to financial institutions such as banks, so that the financial institution can analyze the first transaction information to obtain the digital quota of the core enterprise. Different financial institutions determine the digital quota of core enterprises differently.
  • the integrated platform can receive the digital amount feedback from the financial institution according to the digital quota, and use the digital amount as the first digital amount of the core enterprise.
  • the integrated platform can also determine the digital quota of the core enterprise by itself based on the first transaction information, and the integrated platform will issue the first digital amount to the core enterprise based on the digital quota.
  • the value of the digitized quota may be equal to the value of the first digital amount, or the value of the digitized quota may be converted to the value of the first digital amount according to a certain ratio.
  • the first digital amount may be an asset digital certificate, a credit digital certificate, a digital wallet, or a bank legal virtual currency. It is understandable that the first digital amount is virtual funds that can flow online.
  • Step S40 Associate the first digital amount with the account information of the core company, so that the core company holds the first digital amount, and the core company can use the first digital amount to perform online Payment, financing and circulation.
  • the core enterprise can use the first digital amount for online payment, financing, and the circulation platform to associate the first digital amount with the account information of the core enterprise, so that the core enterprise holds the first digital amount.
  • a digital amount, and the core enterprise can use the first digital amount for online payment, circulation, and financing.
  • the digital operation device of the blockchain supply chain financial platform includes an alliance chain platform, a supply chain collaboration platform, and an integrated platform.
  • the integrated platform receives a request for generating a digital amount and obtains it from the alliance chain platform Generate the first transaction information of the company corresponding to the request, so as to determine whether the company has the qualification to generate digital amounts based on the first transaction information. If the user has the qualification to generate digital amounts, set the company as a core enterprise and issue numbers for the company Amount, for companies to use digital amounts to make online payments.
  • the digital operation device of the blockchain supply chain financial platform can generate digital amounts for core enterprises to serve as core enterprises' liquidity, thereby increasing the core enterprises' liquidity and slowing down the delay in the process of investment projects; at the same time, transaction information is controlled by Obtained from the alliance chain platform, due to the immutability and fairness of the data in the blockchain technology, the digital operation device of the blockchain supply chain financial platform can accurately determine whether the company has the qualification to hold digital amounts based on the transaction information. The authenticity and validity of the digital amount are guaranteed.
  • Figure 6 is the second embodiment of the digital operation method of the blockchain supply chain financial platform of this application. Based on the first embodiment, after the step S40, it further includes:
  • Step S50 upon receiving a settlement request sent by a non-core enterprise, obtain second transaction information between the non-core enterprise and the core enterprise from the alliance blockchain;
  • Step S60 Determine the payment amount of the core enterprise according to the second transaction information
  • Step S70 splitting a second digital amount corresponding to the payment amount from the first digital amount associated with the account information of the core enterprise
  • Step S80 Associate the second digital amount with the account information of the non-core enterprise.
  • non-core enterprises include small and medium-sized enterprises, and small and medium-sized enterprises can also act as alliance members to settle transactions with core enterprises on a comprehensive platform, and non-core enterprises are generally small suppliers.
  • core companies can use the first digital amount to make payments.
  • the transaction information will be stored in the alliance chain platform.
  • non-core companies require core companies to make settlements, they can send settlement requests to the integrated platform.
  • the integrated platform obtains the second transaction information between the non-core enterprise and the core enterprise, so as to determine the payment amount payable by the core enterprise based on the second transaction information.
  • the integrated platform classifies the second digital amount corresponding to the payment amount from the first digital amount held by the core enterprise, and the value of the second digital amount is the value of the payment amount.
  • the second digital amount is provided with an identifier related to the core enterprise to indicate that the second digital amount is split from a specific core enterprise through the identifier.
  • the integrated platform associates the second digital amount with the account information of the non-core company, so that the non-core company holds the second digital amount, so that the core company completes the transaction payment to the non-core company.
  • the core company can split the first digital amount held by itself into the second digital amount, and transfer the second digital amount to the non-core company. Enterprises, so as to complete the payment of core enterprises to non-core enterprises.
  • Figure 7 is the third embodiment of the digital operation method of the blockchain supply chain financial platform of this application. Based on the second embodiment, after the step S80, it further includes:
  • Step S90 receiving a financing request or a cashing request sent by the non-core enterprise based on the second digital amount
  • Step S100 determining the amount of money corresponding to the second digital fund
  • step S110 the amount of the money is credited to the receiving account corresponding to the non-core enterprise.
  • non-core companies are actually companies that have operating capabilities, capital repayment capabilities, and reputations that are not greater than their respective preset thresholds, and it will be more difficult for non-core companies to raise funds.
  • non-core companies hold the second digital amount because the second digital amount is marked with the core company’s logo, non-core companies can use the second digital amount for financing, that is, non-core companies use the second digital amount to split out the second digital amount.
  • Numerical amounts of core companies’ reputations are financed, making it easy for non-core companies to raise funds.
  • the non-core enterprise may request the integrated platform to cash out the second digital amount, which means that the integrated platform will transfer the money corresponding to the second digital amount into the non-core enterprise's collection account.
  • the non-core enterprise can send a financing request or cashing request to the integrated platform based on the second digital amount, and the integrated platform determines the amount of money corresponding to the second digital amount, thereby crediting the amount of money to the non-core enterprise's collection account.
  • non-core companies use the second digit amount for financing, they can enjoy the financing treatment of core companies, that is, get a higher amount of money than the actual amount, which is about 106%-110% of the actual amount. That is to say, the core company passes the credit to the non-core company through the second digital amount, so that the non-core company can use the credit line of the core company to obtain 6%-10% of the required financing from banks, financial institutions and integrated platforms. This reduces the financing costs of non-core companies and improves financing efficiency. It is understandable that when the financing request is a financing request generated by the credit of the core enterprise that splits the second digital fund, the amount of money corresponding to the financing request is greater than or equal to the second digital amount.
  • the second digital amount can be used to realize the money or make a financing application, and when making a financing application, you can enjoy the financing of the core enterprise Treatment, reduce the financing cost of non-core enterprises, and improve the financing efficiency of non-core enterprises.
  • Figure 8 is the fourth embodiment of the digital operation method of the blockchain supply chain financial platform of this application. Based on any one of the first to third embodiments, after the step S40, it further includes:
  • Step S120 When the holding period of the first digital amount expires, send prompt information to the terminal corresponding to the core enterprise, so that the core enterprise can send a notification to the supply chain financial platform system based on the prompt information. Enter the amount corresponding to the first digital amount;
  • Step S130 when receiving the money from the core enterprise, extend the holding period of the first digital amount.
  • the first digital amount has a holding period, which can be understood as the core enterprise needs to repay within the time limit after making a loan, that is, the core enterprise does not hold the first digital amount indefinitely.
  • the integrated platform sends prompt information to the terminal corresponding to the core enterprise, so that the core enterprise repays the first digital amount.
  • the holding period of the first digital amount can be delayed so that the core enterprise can hold the first digital amount.
  • the pledge or mortgaged assets of the core enterprise will be frozen, and the reputation value of the core enterprise and the ability to repay funds will be reduced. And store the record in the blockchain node in the alliance chain platform.
  • the first digital amount has a holding period, and the core enterprise needs to inject the first digital amount into the integrated platform to continue to hold the first digital amount, so as to ensure that the first digital amount is The non-core corporate interests held by the second digit amount classified.
  • the technical solution of this application essentially or the part that contributes to the existing technology can be embodied in the form of a software product, and the computer software product is stored in a storage medium (such as ROM/RAM) as described above. , Magnetic disks, optical disks), including several instructions to make a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the method described in each embodiment of the present application.
  • a terminal device which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

一种区块链供应链金融平台的数字化运作方法和装置，区块链供应链金融平台的数字化运作装置包括联盟链平台、供应链协同平台以及综合平台，该方法包括以下步骤：综合平台接收数字金额的生成请求，并从联盟链平台中获取生成请求对应的企业的第一交易信息；根据第一交易信息判断企业是否具有生成数字金额的资质；在企业具有生成数字金额的资质时，将企业设置为核心企业，并对核心企业开出第一数字金额；将第一数字金额与核心企业的账户信息关联，以使核心企业持有第一数字金额。

Description

区块链供应链金融平台的数字化运作方法及其装置
本申请要求于2020年1月17日申请的、申请号为202010057248.7、名称为“区块链供应链金融平台的数字化运作方法及其装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及电子支付技术领域，尤其涉及一种区块链供应链金融平台的数字化运作方法及其装置。
 背景技术
企业在进行交易时，大都是流动资金进行交易的结算。而在当企业同时进行多个项目的投资时，所需结算的流动资金的数额较大，而投资的项目并不能在短时间得到收益，从而造成企业的资金回笼速度慢，导致企业会出现流动资金不足耽误投资项目的进程。
上述内容仅用于辅助理解本申请的技术方案，并不代表承认上述内容是现有技术。
 技术解决方案
本申请的主要目的在于提供一种基于区块链技术的供应链金融平台***及其流转清算方法，旨在解决企业出现流动资金不足耽误投资项目的进程的问题。
为实现上述目的，本申请提供一种区块链供应链金融平台的数字化运作方法，所述区块链供应链金融平台的数字化运作装置为大中台平台***，区块链供应链金融平台的数字化运作装置包括综合平台、联盟链平台以及供应链协同平台，所述区块链供应链金融平台的数字化运作方法包括以下步骤：
所述综合平台接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，所述供应链协同平台将获取的企业的真实贸易下的交易信息存储于区块链平台中；
根据所述第一交易信息判断所述企业是否具有生成数字金额的资质；
在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额；
将所述第一数字金额与所述核心企业的账户信息关联，以使所述核心企业持有所述第一数字金额，所述核心企业可采用所述第一数字金额进行线上付款、融资以及流转。
在一实施例中，所述将所述第一数字金额与所述核心企业的账户信息关联的步骤之后，还包括：
在接收到非核心企业发送的结算请求时，从所述联盟区块链中获取所述非核心企业与所述核心企业之间的第二交易信息；
根据所述第二交易信息确定所述核心企业的支付金额；
在所述核心企业的账户信息关联的第一数字金额中***出所述支付金额对应的第二数字金额；
将所述第二数字金额与所述非核心企业的账户信息关联。
在一实施例中，所述将所述第二数字金额与所述非核心企业的账户信息关联的步骤之后，还包括：
接收所述非核心企业基于所述第二数字金额发送融资请求或者兑现请求；
确定所述第二数字资金对应的款项金额；
将所述款项金额打入至所述非核心企业对应的收款账户。
在一实施例中，在所述融资请求为***第二数字资金的核心企业的信用生成的融资请求时，所述融资请求对应的款项金额大于或等于第二数字金额。
在一实施例中，所述根据所述第一交易信息判断所述企业是否具有生成数字金额的资质的步骤包括：
根据所述第一交易信息确定所述企业的运营能力值、资金偿还能力值以及信誉值；
判断所述运营能力值、所述资金偿还能力值以及所述信誉值是否大于各自对应的预设阈值，其中，在所述运营能力值、所述资金偿还能力值以及所述信誉值大于各自对应的预设阈值时，判定所述企业具有生成数字金额的资质。
在一实施例中，所述对所述核心企业开出第一数字金额的步骤包括：
根据所述第一交易信息确定所述核心企业的数字化额度；
对所述核心企业开出所述数字化额度对应的第一数字金额。
在一实施例中，所述将所述第一数字金额与所述核心企业的账户信息关联的步骤之后，还包括：
在所述第一数字金额的持有期限到期时，向所述核心企业对应的终端发送提示信息，以使所述核心企业基于所述提示信息向所述供应链金融平台***打入所述第一数字金额对应的款项；
在接收到所述核心企业打入的款项时，延长所述第一数字金额的持有期限。
为实现上述目的，本申请还提供一种区块链供应链金融平台的数字化运作装置，所述区块链供应链金融平台的数字化运作装置包括综合平台、供应链协同平台以及联盟链平台，所述综合平台分别与所述供应链协同平台以及所述联盟链平台连接，其中，
所述综合平台，用于接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，根据所述第一交易信息判断所述企业是否具有生成数字金额的资质，并在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额，将所述第一数字金额与所述核心企业的账户信息关联；
所述供应链协同平台，用于获取企业真实贸易下的交易信息，并将交易信息发送至所述联盟链平台中进行保存。
所述联盟链平台，用于存储所述供应链协同平台发送的交易信息。
在一实施例中，所述综合平台，用于确定企业的运营能力值、所述资金偿还能力值以及所述信誉值。
在一实施例中，所述供应链金融平台***包括第三方***模块，所述综合平台通过所述第三方***模块与第三方终端进行数据交互。
本申请实施例提出的区块链供应链金融平台的数字化运作方法及其装置，区块链供应链金融平台的数字化运作装置包括联盟链平台、供应链协同平台以及综合平台，综合平台接收数字金额的生成请求，并从联盟链平台中获取生成请求对应的企业的第一交易信息，从而根据第一交易信息判断企业是否有生成数字金额的资质，若用户具有生成数字金额的资质，则将企业设置为核心企业，并为企业开出数字金额，以供企业采用数字金额进行线上付款。由于区块链供应链金融平台的数字化运作装置可为核心企业生成数字金额以充当核心企业的流动资金，从而增加的了核心企业的流动资金，减缓了投资项目的进程耽误时长；同时交易信息由联盟链平台中获取，由于区块链技术中数据的不可篡改性以及公正性，使得区块链供应链金融平台的数字化运作装置能够根据交易信息准确的判断企业是否具有持有数字金额的资质，保证了数字金额的真实性以及有效性。
 附图说明
图1是本申请实施例方案涉及的区块链供应链金融平台的数字化运作装置的一***构架图；
图2为本申请实施例方案涉及的区块链供应链金融平台的数字化运作装置的另一***构架图；
图3为本申请区块链供应链金融平台的数字化运作方法第一实施例的流程示意图；
图4为图3中步骤S20的细化流程示意图；
图5为图3中步骤S30的细化流程示意图；
图6为本申请区块链供应链金融平台的数字化运作方法第二实施例的流程示意图；
图7为本申请区块链供应链金融平台的数字化运作方法第三实施例的流程示意图；
图8为本申请区块链供应链金融平台的数字化运作方法第四实施例的流程示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
 本发明的实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例的主要解决方案是：接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，所述供应链协同平台将获取的企业的真实贸易下的交易信息存储于区块链平台中；根据所述第一交易信息判断所述企业是否具有生成数字金额的资质；在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额；将所述第一数字金额与所述核心企业的账户信息关联，以使所述核心企业持有所述第一数字金额，所述核心企业可采用所述第一数字金额进行线上付款、融资以及流转。
由于区块链供应链金融平台的数字化运作装置可为核心企业生成数字金额以充当核心企业的流动资金，从而增加的了核心企业的流动资金，减缓了投资项目的进程耽误时长；同时交易信息由联盟链平台中获取，由于区块链技术中数据的不可篡改性以及公正性，使得区块链供应链金融平台的数字化运作装置能够根据交易信息准确的判断企业是否具有持有数字金额的资质，保证了数字金额的真实性以及有效性。
如图1所示，图1是本申请实施例方案涉及的区块链供应链金融平台的数字化运作装置的***构架图。
如图1所示，区块链供应链金融平台的数字化运作装置100包括相互连接的供应链协同平台110、联盟链平台120以及综合平台130，所述联盟链平台130包括多个区块链节点。区块链供应链金融平台的数字化运作装置100为大中台平台***。
其中，供应链协同平台110，用于获取企业真实贸易背景下的交易信息，并将交易信息发送至联盟链平台中进行保存。此外，供应链协同平台110通过API将合同、订单、交期确认、出入库记录、对账结算、***、应收账款数据上链，联盟链节点的上下游企业节点、核心企业节点、供应链协同平台节点、监管机构节点、资金提供方全链共同确认，保证资金提供方清晰了解需求方的运营和资金偿还能力。
联盟链平台120，用于存储所述供应链协同平台发送的交易信息。此外，联盟链平台120以联盟链组网模型的区块链智能合约平台作为底层架构，构建服务于生产制造领域的供应商、采购商、物流商、供应链协同云平台+银行/非银行金融机构的应用平台。数据加密/隐私保护，实现SM9高效国密解决方案解决链上信息共享与数据隐私之间的矛盾。将贸易数据、仓运配数据、企业数据、存证数据记入贸易链账本，融资数据、机构数据记入融资链账本，多账本链上交叉验证贸易信息与融资信息中***、金额等关键要素的真实性，有效保护隐私，信息全流程透明可视，提升贸易真实性和可信度。通过创建安全透明的分布式账本，构造可信数字化供应链，通过智能合约、分布式账本实现票据数据数字化，链上数据可溯源，实现从开票、流转、贴现的完整流程。联盟链平台120包括多个区块链节点，各个区块链节点连接企业对应的终端，以使各个企业构成供应链。供应链环节各节点数据运用物联网、区块链技术、5G技术实时连接，保证交易数据的一致性，且不可篡改，增加数据的可信价值。
综合平台130，用于调取联盟链平台120中的交易信息以实现企业的融资业务、清算业务、支付业务以及资金调剂业务。可以理解的是，综合平台130可以看作区块链供应链金融平台的数字化运作装置的中心，综合平台130用于实现各个企业请求任何线上交易，例如，企业的融资业务、清算业务、支付业务以及资金调剂业务。此外，综合平台130还可主动调节供应链各个节点对应的资金，也即综合平台130实现供应链节点的资金调剂。例如，综合平台130根据联盟链平台中的交易信息的资金信息得知某个供应链节点的资金不足，综合平台130则调取资金充足的供应链节点的资金，并将调取的资金调剂至资金不足的供应链节点。此处的资金指的是数字化资金。此外，综合平台130还用于接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，根据所述第一交易信息判断所述企业是否具有生成数字金额的资质，并在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额，将所述第一数字金额与所述核心企业的账户信息关联。
本实施例中区块链供应链金融平台的数字化运作装置配合第三方监管等手段，封闭供应链环节的资金或者控制物权，为上下游提供授信、理财等综合金融；结合区块链技术，风险容易把控，可以帮助生产制造领域中小企业解决融资难、融资贵的问题；帮助银行实现差异化竞争、开拓中小企业市场、实现普惠金融；帮助核心企业提升整个产业链的效率。帮助链内成员盘活流动资产，加速资金回笼，并将企业间商业信用转换为银行信用。
在本实施例中，区块链供应链金融平台的数字化运作装置包括相互连接供应链协同平台、联盟链平台，供应链金融平台以及综合平台；供应链协同平台用于获取企业真实贸易背景下的交易信息，并将交易信息发送至联盟链平台中进行保存；联盟链平台，用于存储供应链协同平台发送的交易信息；综合平台用于调取联盟链平台中的交易信息以实现企业的融资业务、清算业务、支付业务以及资金调剂业务。由于联盟链平台的多方节点对交易信息进行真实贸易背景的认证，从而使得综合平台能够根据真实贸易背景下的交易信息为企业进行融资业务、清算业务、支付业务以及资金调剂业务，从而保证了与企业交易的供应商或者金融机构的权益。
进一步，综合平台130，用于获取所述供应链协同平台采集的具有资金需求的目标企业的交易信息，并根据交易信息对所述目标企业的资产进行标准化以及数字化，并将数字化的资产存储于所述联盟链平台中。此外，综合平台130采集在供应链协同平台有资金需求的核心企业上下游中小企业包括交易、对账结算、应收账款、票据、仓单、电子商业承兑汇票，融资状况的资产数字化与标准化，利用区块链完成并实现数字资产登记、上链、融资、确权。将应收账款数字化，并记录在区块链上，让应收账款可以多级传导。基于区块链分布式账本及数据加密、零知识证明的验证技术保证数字资产的真实性、有效性。平台化的在线电子合同、电子***可能存在造假以及难以自证其清的情况，通过区块链建立对于数字凭证的共识存储体系。依据供应链协同平台贸易数据，结合AI技术从不同维度建立风控模型，输出中小微企业信用风险评价、定价，防范金融风险，做到量化授信，分级预警。
进一步的，综合平台130，还用于根据供应链协同平台提供的企业的交易信息确定企业的信用以及企业的资金偿还能力。综合平台130可将企业的信用以及资金偿还能力将该企业关联并存储于联盟链平台中。
此外，综合平台130，还用于根据企业的信用以及资金偿还能力确定企业是否为核心企业。具体的，综合平台130判断信用以及资金偿还能力是否大于各自的预设阈值，若是，则企业为核心企业，并对企业进行核心企业的标识，从而将标识以及企业关联保存与联盟链平台内。
参照图2，区块链供应链金融平台的数字化运作装置100包括第三方***模块140，综合平台130通过所述第三方***模块140与第三方机构的终端进行数据交互，第三方终端包括银行、保理金融机构、中登网、税控***等。第三方***模块140包括CFCA接口、银企直联接口、中登网接口以及税控***接口。其中，CFCA接口用于融资经办、审核人身份认证、Ukey频发和签名、电子签章、合同保全；银企直联接口用于供应商融资请求通过银企直联对接银行资金方业务***；中登网接口用于票据登记、查询，防范贸易欺诈、重复融资风险。税控***接口，***查询和查验真伪。
基于上述区块链供应链金融平台的数字化运作装置的硬件构建，提出本申请区块链供应链金融平台的数字化运作方法的各个实施例。
参照图3，图3为本申请区块链供应链金融平台的数字化运作方法的第一实施例，所述区块链供应链金融平台的数字化运作方法包括以下步骤：
步骤S10，所述综合平台接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，所述供应链协同平台将获取的企业的真实贸易下的交易信息存储于区块链平台中；
在本实施例中，执行主体为区块链供应链金融平台的数字化运作装置，区块链供应链金融平台的数字化运作装置包括联盟链平台、供应链协同平台以及综合平台。联盟链平台中存有联盟成员的交易信息，交易信息包括贸易数据、仓运配数据、企业数据、存证数据记入贸易链账本，融资数据、机构数据记入融资链账本等，多账本链上交叉验证贸易信息与融资信息中***、金额等关键要素的真实性，也即交易信息需要多个区块链节点进行认证，以保证交易信息的真实有效性。而供应链协同平台则获取真实贸易下的交易信息，并将交易信息存储于联盟链平台中。企业可向综合平台发送数字金额的生成请求。数字金额为虚拟货币，具备交易付款的功能，且数字金额的数值可由综合平台向银行等金融机构进行申请。数字金额可以理解为企业向银行等金融机构的贷款金额，数字金额的载体可为数字钱包、数字资产凭证等。综合平台根据生成请求即可确定企业的企业信息，进而根据企业信息从联盟链平台中获取企业对应的第一交易信息。
步骤S20，根据所述第一交易信息判断所述企业是否具有生成数字金额的资质；
第一交易信息可以表征出企业的运营能力、资金偿还能力以及信誉等。运营能力、资金偿还能力以及信誉可以用于评判企业是具有生成数字金额的资质，也即判断企业是否具有贷款的资格。
综合平台可以根据第一交易信息判断企业是否具有生成数字金额的资质。具体的，参照图4，也即步骤S20包括：
步骤S21，根据所述第一交易信息确定所述企业的运营能力值、资金偿还能力值以及信誉值；
步骤S22，判断所述运营能力值、所述资金偿还能力值以及所述信誉值是否大于各自对应的预设阈值，其中，在所述运营能力值、所述资金偿还能力值以及所述信誉值大于各自对应的预设阈值时，判定所述企业具有生成数字金额的资质。
综合平台在得到第一交易信息后，对第一交易信息进行分析，从而对企业的运营能力、资金偿还能力以及信誉进行数字化得到企业的运营能力值、资金偿还能力值以及信誉值。综合平台再判断运营能力值、资金偿还能力值以及信誉值是否大于各自对应的预设阈值，若是运营能力值、资金偿还能力值以及信誉值大于各自的预设阈值，即可表明该确定的运营能力以及资金偿还能力较高，且信誉良好，该企业可被认定为核心企业，且该企业具有生成数字金额的资质。
步骤S30，在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额；
在确定企业具有生成数字金额的资质时，对企业进行标记，将其设置为核心企业，核心企业具有真实的贸易背景，且信誉良好、运营能力强且资金偿还能力高。综合平台再对核心企业开出第一数字金额。具体的，参照图5，所述步骤S30中对所述核心企业开出第一数字金额包括：
步骤S31，根据所述第一交易信息确定所述核心企业的数字化额度；
步骤S32，对所述核心企业开出所述数字化额度对应的第一数字金额。
综合平台可以根据第一交易信息确定核心企业的数字化额度。具体的，综合平台将第一交易信息发送至银行等金融机构，使得金融机构对第一交易信息进行分析，从而得到核心企业的数字化额度。不同的金融机构对核心企业的数字化额度的确定不同。综合平台可接收金融机构根据数字化额度反馈的数字金额，并将该数字金额作为核心企业的第一数字金额。当然，综合平台也可根据第一交易信息自行确定核心企业的数字化额度，由综合平台根据数字化额度对核心企业开出第一数字金额。数字化额度的数值可与第一数字金额的数值相等，或者依照一定的比例将数字化额度的数值转换为第一数字金额的数值。第一数字金额可以是资产数字凭证、信用数字凭证、数字钱包或者银行法定虚拟货币，可以理解的是，第一数字金额为线上可流动的虚拟资金。
步骤S40，将所述第一数字金额与所述核心企业的账户信息关联，以使所述核心企业持有所述第一数字金额，所述核心企业可采用所述第一数字金额进行线上付款、融资以及流转。
在生成第一数字金额后，所述核心企业可采用所述第一数字金额进行线上付款、融资以及流转平台将第一数字金额与核心企业的账户信息相关联，从而使得核心企业持有第一数字金额，且核心企业可采用第一数字金额进行线上付款、流转以及融资等。
在本实施例提供的技术方案中，区块链供应链金融平台的数字化运作装置包括联盟链平台、供应链协同平台以及综合平台，综合平台接收数字金额的生成请求，并从联盟链平台中获取生成请求对应的企业的第一交易信息，从而根据第一交易信息判断企业是否有生成数字金额的资质，若用户具有生成数字金额的资质，则将企业设置为核心企业，并为企业开出数字金额，以供企业采用数字金额进行线上付款。由于区块链供应链金融平台的数字化运作装置可为核心企业生成数字金额以充当核心企业的流动资金，从而增加的了核心企业的流动资金，减缓了投资项目的进程耽误时长；同时交易信息由联盟链平台中获取，由于区块链技术中数据的不可篡改性以及公正性，使得区块链供应链金融平台的数字化运作装置能够根据交易信息准确的判断企业是否具有持有数字金额的资质，保证了数字金额的真实性以及有效性。
参照图6，图6为本申请区块链供应链金融平台的数字化运作方法的第二实施例，基于第一实施例，所述步骤S40之后，还包括：
步骤S50，在接收到非核心企业发送的结算请求时，从所述联盟区块链中获取所述非核心企业与所述核心企业之间的第二交易信息；
步骤S60，根据所述第二交易信息确定所述核心企业的支付金额；
步骤S70，在所述核心企业的账户信息关联的第一数字金额中***出所述支付金额对应的第二数字金额；
步骤S80，将所述第二数字金额与所述非核心企业的账户信息关联。
在本实施例中，非核心企业包括中小型企业，中小型企业也可作为联盟成员在综合平台与核心企业进行交易结算，非核心企业一般为小型供应商。当然，核心企业之间可以采用持有的第一数字金额进行付款。非核心企业与核心企业进行交易时，会将交易信息保存与联盟链平台中。在非核心企业要求核心企业进行结算时，可向综合平台发送结算请求。综合平台则获取非核心企业与核心企业之间的第二交易信息，从而根据第二交易信息确定核心企业应付的支付金额。综合平台从核心企业持有的第一数字金额分类出支付金额对应的第二数字金额，第二数字金额的数值即为支付金额的数值。第二数字金额设有与核心企业相关的标识，以通过标识表征第二数字金额由某个具体的核心企业***而出。
综合平台将第二数字金额与非核心企业的账户信息进行关联，使得非核心企业持有第二数字金额，从而使得核心企业完成对非核心企业的交易付款。
在本实施例提供的技术方案中，核心企业在与非核心企业进行交易后，核心企业可将自身持有的第一数字金额***出第二数字金额，并将第二数字金额流转至非核心企业，从而完成核心企业对非核心企业的付款。
参照图7，图7为本申请区块链供应链金融平台的数字化运作方法的第三实施例，基于第二实施例，所述步骤S80之后，还包括：
步骤S90，接收所述非核心企业基于所述第二数字金额发送融资请求或者兑现请求；
步骤S100，确定所述第二数字资金对应的款项金额；
步骤S110，将所述款项金额打入至所述非核心企业对应的收款账户。
在本实施例中，非核心企业实则是运营能力、资金偿还能力以及信誉均未大于各自预设阈值的企业，非核心企业的融资会比较困难。而在当非核心企业持有第二数字金额后，由于第二数字金额上设有核心企业的标识，使得非核心企业可采用第二数字金额进行融资，也即非核心企业采用***出第二数字金额的核心企业的信誉进行融资，从而使得非核心企业的融资变得容易。当然，非核心企业可要求综合平台对第二数字金额进行兑现，也即使得综合平台将第二数字金额对应的款项打入非核心企业的收款账户。
对此，非核心企业可基于第二数字金额向综合平台发送融资请求或者兑现请求，综合平台确定第二数字金额对应的款项金额，从而将款项金额打入非核心企业的收款账户。
进一步的，在非核心企业采用第二数字金额进行融资时，可享有核心企业的融资待遇，也即获得高于实际款项的款项金额，大约为实际款项的106%-110%。也即核心企业通过第二数字金额将信用传递至非核心企业，使得非核心企业使用核心企业的信贷授信额度，得到银行、金融机构以及综合平台提供的高于要求融资款项的6%-10%的融资金额，从而降低了非核心企业的融资成本，提升了融资效率。可以理解的是，在融资请求为***第二数字资金的核心企业的信用生成的融资请求时，融资请求对应的款项金额大于或等于第二数字金额。
在本实施例提供的技术方案中，在非核心企业持有第二数字金额时，可通过第二数字金额进行款项的变现或者进行融资申请，并在进行融资申请时，可享有核心企业的融资待遇，降低非核心企业的融资成本，提高了非核心企业的融资效率。
参照图8，图8为本申请区块链供应链金融平台的数字化运作方法的第四实施例，基于第一至第三中任一实施例，所述步骤S40之后，还包括：
步骤S120，在所述第一数字金额的持有期限到期时，向所述核心企业对应的终端发送提示信息，以使所述核心企业基于所述提示信息向所述供应链金融平台***打入所述第一数字金额对应的款项；
步骤S130，在接收到所述核心企业打入的款项时，延长所述第一数字金额的持有期限。
在本实施例中，第一数字金额是具有持有期限，可以理解为核心企业在进行贷款后需要在期限内进行还款，也即核心企业并不是无期限持有第一数字金额的。在当第一数字金额的持有期限到期时，综合平台向核心企业对应的终端发送提示信息，使得核心企业对第一数字金额进行还款。
在综合平台收到核心企业打入的第一数字金额对应的款项时，可延迟第一数字金额的持有期限，使得核心企业进行持有第一数字金额。而在当预设时长内未接收到核心企业打入的第一数字金额对应的款项时，则对核心企业的质押或者抵押的资产进行冻结，并降低核心企业的信誉值、以及资金偿还能力，并将该记录存储至联盟链平台中的区块链节点中。
在本实施例提供的技术方案中，第一数字金额具有持有期限，核心企业需要向综合平台打入第一数字金额的款项以继续持有第一数字金额，从而保证从第一数字金额中分类出的第二数字金额所持有的非核心企业的利益。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者***不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者***所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者***中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (10)

  1. 一种区块链供应链金融平台的数字化运作方法，其中，区块链供应链金融平台的数字化运作装置为大中台平台***，所述区块链供应链金融平台的数字化运作装置包括联盟链平台、供应链协同平台以及综合平台，所述基于供应链金融平台***的流转支付清算方法包括以下步骤：
    所述综合平台接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，所述供应链协同平台将获取的企业的真实贸易下的交易信息存储于区块链平台中；
    根据所述第一交易信息判断所述企业是否具有生成数字金额的资质；
    在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额；
    将所述第一数字金额与所述核心企业的账户信息关联，以使所述核心企业持有所述第一数字金额，所述核心企业可采用所述第一数字金额进行线上付款、融资以及流转。
  2. 如权利要求1所述的区块链供应链金融平台的数字化运作方法，其中，所述将所述第一数字金额与所述核心企业的账户信息关联的步骤之后，还包括：
    在接收到非核心企业发送的结算请求时，从所述联盟区块链中获取所述非核心企业与所述核心企业之间的第二交易信息；
    根据所述第二交易信息确定所述核心企业的支付金额；
    在所述核心企业的账户信息关联的第一数字金额中***出所述支付金额对应的第二数字金额；
    将所述第二数字金额与所述非核心企业的账户信息关联。
  3. 如权利要求2所述的区块链供应链金融平台的数字化运作方法，其中，所述将所述第二数字金额与所述非核心企业的账户信息关联的步骤之后，还包括：
    接收所述非核心企业基于所述第二数字金额发送融资请求或者兑现请求；
    确定所述第二数字资金对应的款项金额；
    将所述款项金额打入至所述非核心企业对应的收款账户。
  4. 如权利要求3所述的区块链供应链金融平台的数字化运作方法，其中，在所述融资请求为***第二数字资金的核心企业的信用生成的融资请求时，所述融资请求对应的款项金额大于或等于第二数字金额。
  5. 如权利要求1所述的区块链供应链金融平台的数字化运作方法，其中，所述根据所述第一交易信息判断所述企业是否具有生成数字金额的资质的步骤包括：
    根据所述第一交易信息确定所述企业的运营能力值、资金偿还能力值以及信誉值；
    判断所述运营能力值、所述资金偿还能力值以及所述信誉值是否大于各自对应的预设阈值，其中，在所述运营能力值、所述资金偿还能力值以及所述信誉值大于各自对应的预设阈值时，判定所述企业具有生成数字金额的资质。
  6. 如权利要求1所述的区块链供应链金融平台的数字化运作方法，其中，所述对所述核心企业开出第一数字金额的步骤包括：
    根据所述第一交易信息确定所述核心企业的数字化额度；
    对所述核心企业开出所述数字化额度对应的第一数字金额。
  7. 如权利要求1-6任一项所述的区块链供应链金融平台的数字化运作方法，其中，所述将所述第一数字金额与所述核心企业的账户信息关联的步骤之后，还包括：
    在所述第一数字金额的持有期限到期时，向所述核心企业对应的终端发送提示信息，以使所述核心企业基于所述提示信息向所述供应链金融平台***打入所述第一数字金额对应的款项；
    在接收到所述核心企业打入的款项时，延长所述第一数字金额的持有期限。
  8. 一种区块链供应链金融平台的数字化运作装置，其中，所述区块链供应链金融平台的数字化运作装置包括综合平台、供应链协同平台以及联盟链平台，所述综合平台分别与所述供应链协同平台以及所述联盟链平台连接，其中，
    所述综合平台，用于接收数字金额的生成请求，并从所述联盟链平台中获取所述生成请求对应的企业的第一交易信息，根据所述第一交易信息判断所述企业是否具有生成数字金额的资质，并在所述企业具有生成数字金额的资质时，将所述企业设置为核心企业，并对所述核心企业开出第一数字金额，将所述第一数字金额与所述核心企业的账户信息关联；
    所述供应链协同平台，用于获取企业真实贸易下的交易信息，并将交易信息发送至所述联盟链平台中进行保存；
    所述联盟链平台，用于存储所述供应链协同平台发送的交易信息。
  9. 如权利要求8所述的区块链供应链金融平台的数字化运作装置，其中，所述综合平台，用于确定企业的运营能力值、所述资金偿还能力值以及所述信誉值。
  10. 如权利要求8所述的区块链供应链金融平台的数字化运作装置，其中，所述供应链金融平台***包括第三方***模块，所述综合平台通过所述第三方***模块与第三方终端进行数据交互。
PCT/CN2020/102684 2020-01-17 2020-07-17 区块链供应链金融平台的数字化运作方法及其装置 WO2021143081A1 (zh)

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