WO2023230917A1 - Système, procédé et appareil de flux de fonds - Google Patents

Système, procédé et appareil de flux de fonds Download PDF

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Publication number
WO2023230917A1
WO2023230917A1 PCT/CN2022/096470 CN2022096470W WO2023230917A1 WO 2023230917 A1 WO2023230917 A1 WO 2023230917A1 CN 2022096470 W CN2022096470 W CN 2022096470W WO 2023230917 A1 WO2023230917 A1 WO 2023230917A1
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Prior art keywords
creditor
level
certificate
debtor
rights
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PCT/CN2022/096470
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English (en)
Chinese (zh)
Inventor
路元元
柴栋
雷一鸣
王洪
Original Assignee
京东方科技集团股份有限公司
北京中祥英科技有限公司
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Application filed by 京东方科技集团股份有限公司, 北京中祥英科技有限公司 filed Critical 京东方科技集团股份有限公司
Priority to CN202280001614.4A priority Critical patent/CN117501258A/zh
Priority to PCT/CN2022/096470 priority patent/WO2023230917A1/fr
Publication of WO2023230917A1 publication Critical patent/WO2023230917A1/fr

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    • 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
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • 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

Definitions

  • the present disclosure relates to the field of blockchain technology, specifically, to fund circulation systems, methods and devices.
  • the parties may have liquidity pressure, which can be solved through accounts receivable and credit sales.
  • suppliers of core enterprises can use the accounts receivable generated from selling goods to core enterprises to exchange funds at banks and other places, so that suppliers can realize the sales receivables in advance to speed up the flow of funds.
  • the credit sales process of accounts receivable usually involves multiple participants such as core enterprises, suppliers, banks, etc., and each participant maintains its own data respectively, thus leading to data asymmetry and the formation of data islands, and the authenticity of the data It is difficult to guarantee that banks and other lenders have high verification costs for data and high financial security risks. Therefore, lenders have low enthusiasm for lending, resulting in a low borrowing success rate for borrowers.
  • embodiments of the present disclosure propose a fund circulation system, method and device to solve the deficiencies in related technologies.
  • a capital circulation system including a blockchain network.
  • the debtor node, the creditor node and the payer node in the blockchain network correspond to the debtor, the creditor respectively. and the payor.
  • the material transfer event related to the debtor in which the creditor participated produces accounts payable information including the amount payable; among which:
  • the creditor node is used to initiate a voucher issuance transaction containing the accounts payable information.
  • the voucher issuance transaction is used to instruct the generation of a credit certificate for the creditor.
  • the credit amount of the credit certificate is not greater than the amount payable. ;
  • the debtor node is configured to trigger the execution of the voucher issuance transaction when the debtor passes the verification of the accounts payable information contained in the voucher issuance transaction;
  • the payer node is used to trigger the execution of the funds transfer transaction when the payer passes the verification of the credit certificate included in the funds transfer transaction, and the funds transfer transaction is used to indicate the direction of the payment.
  • the creditor transfers the discounted funds in the amount of the creditor's rights.
  • a fund circulation method is proposed, which is applied to creditor nodes in the blockchain network.
  • the creditor nodes, debtor nodes and payer nodes in the blockchain network respectively correspond to For creditors, debtors and payers, the material transfer event related to the debtor in which the creditor participates generates accounts payable information including the amount payable; the method includes:
  • the voucher issuance transaction is triggered by the debtor node when the debtor passes the verification of the accounts payable information, and is used to indicate the creditor.
  • a fund circulation device which is applied to creditor nodes in a blockchain network.
  • the creditor nodes, debtor nodes and payer nodes in the blockchain network correspond to For creditors, debtors and payers, the material transfer event related to the debtor in which the creditor participates generates accounts payable information including the amount payable;
  • the device includes one or more processors, The processor is configured to:
  • the voucher issuance transaction is triggered by the debtor node when the debtor passes the verification of the accounts payable information, and is used to indicate the creditor.
  • an electronic device including: a processor; a memory for storing instructions executable by the processor; wherein the processor is configured to implement the funds described in the second aspect. Transfer method.
  • a non-transitory computer-readable storage medium on which a computer program is stored, which when executed by a processor implements the steps in the fund circulation method described in the second aspect. .
  • a blockchain network is introduced in the credit sale process of accounts receivable.
  • the debtors, creditors and payers who are participants in the credit sale process of accounts receivable respectively correspond to different entities in the blockchain network.
  • Blockchain node Based on this, the creditor node initiates a voucher issuance transaction containing accounts payable information in the blockchain network.
  • the accounts payable information generated by the material transfer event includes the amount payable, and the debtor node issues a voucher transaction on the debtor side. If the accounts payable information contained in the transaction is verified and passed, the execution of the transaction will be triggered, thereby generating a credit certificate for the creditor.
  • the creditor can initiate a capital flow transaction containing the credit certificate in the blockchain network, and the payor node triggers the execution of the transaction when the payer passes the verification of the credit certificate included in the capital flow transaction.
  • the creditor can initiate a voucher issuance transaction to allocate credit certificates corresponding to the amount payable to the debtor, and initiate a capital flow transaction to enable the payor to transfer corresponding discount funds to the creditor.
  • the debtor verifies the accounts payable information contained in the voucher issuance transaction, and the payor verifies the credit certificate contained in the capital flow transaction. If the verification is passed, the two parties will execute the corresponding transaction, thereby effectively The data authenticity of executed voucher issuance transactions and capital flow transactions is guaranteed.
  • the various participants in the accounts payable discount process can achieve data exchange, thereby solving the problem of data islands and reducing the implementation cost of the credit sales process. In particular, it significantly reduces the data verification costs and costs of payers such as banks. Fund security risks will help increase their lending enthusiasm, thereby improving the creditor's borrowing success rate.
  • Figure 1 is a schematic architectural diagram of a capital circulation system according to an embodiment of the present disclosure.
  • Figure 2 is a schematic diagram of a hierarchical structure of a supplier according to an embodiment of the present disclosure.
  • Figure 3 is a schematic diagram of the connection relationship of a blockchain network according to an embodiment of the present disclosure.
  • Figure 4 is a flow chart of a fund circulation method according to an embodiment of the present disclosure.
  • Figure 5 is a schematic structural diagram of a node device according to an embodiment of the present disclosure.
  • this specification proposes a capital circulation system that introduces blockchain technology into the credit sales process of accounts receivable, thereby realizing on-chain certificate storage, sharing and sharing of data related to the credit sales process of accounts receivable. Verification and other processing to improve data security and authenticity.
  • the data transmission scheme is described in detail below with reference to the accompanying drawings and corresponding embodiments.
  • the capital circulation system includes a blockchain network.
  • the debtor node, creditor node and payer node in the blockchain network correspond to the debtor, creditor and payer respectively.
  • the creditor participates in The material transfer event related to the debtor generates accounts payable information including the amount payable; among which:
  • the creditor node is used to initiate a voucher issuance transaction containing the accounts payable information.
  • the voucher issuance transaction is used to instruct the generation of a credit certificate for the creditor.
  • the credit amount of the credit certificate is not greater than the amount payable. ;
  • the debtor node is configured to trigger the execution of the voucher issuance transaction when the debtor passes the verification of the accounts payable information contained in the voucher issuance transaction;
  • the payer node is used to trigger the execution of the funds transfer transaction when the payer passes the verification of the credit certificate included in the funds transfer transaction, and the funds transfer transaction is used to indicate the direction of the payment.
  • the creditor transfers the discounted funds in the amount of the creditor's rights.
  • the creditor can apply for discount from the payer through the blockchain network. Specifically, the creditor will generate payables including the amount payable when participating in material transfer events related to the debtor. After the account information is provided, the payor can be requested to transfer the discount funds corresponding to the amount payable to the creditor through the fund transfer scheme described in the embodiment of the present disclosure.
  • FIG. 1 is an architectural schematic diagram of a capital circulation system provided by an exemplary embodiment.
  • the figure shows a connection method between each blockchain node in the blockchain network and its corresponding participants.
  • the participants in the accounts payable discount process include payers, debtors and creditors 1 to n; among them, 1 ⁇ n, that is, there is at least one creditor.
  • Each of the above participants corresponds to the corresponding blockchain node in the blockchain network.
  • the debtor corresponds to the debtor node A
  • the creditor 1 corresponds to the creditor node B1,...
  • the creditor n corresponds to the creditor node Bn.
  • the payer corresponds to the payer node C, etc.
  • the above n creditors can respectively correspond to different creditor nodes to realize data interaction with the blockchain network through the corresponding creditor nodes; alternatively, multiple creditors can also correspond to the same creditor node, so that each creditor can Creditors can interact with blockchain network data through the creditor node, and during the interaction process, each creditor can use its own identity information (such as the creditor's rights pre-allocated by the creditor node for multiple creditors connected to it) Party identification, creditor public key, etc.) to achieve distinction and isolation from other creditors, so no further details will be given.
  • identity information such as the creditor's rights pre-allocated by the creditor node for multiple creditors connected to it
  • any participant among the payer, debtor and creditor can form the above-mentioned corresponding relationship with the corresponding blockchain node in the blockchain network through various methods.
  • bank staff can run the client on the computer they use.
  • the client can be the client corresponding to the centralized application.
  • the client can communicate with the corresponding service.
  • Data interaction is performed between clients, and the server can be connected to the payer node in the blockchain network, so that the client can interact with the corresponding blockchain node through the server, that is, A logical correspondence is formed between the bank and the node.
  • the client running in the above computer can also be a DAPP (Decentralized Application) client.
  • the client can run based on the smart contract deployed in the blockchain network. At this time, the client is It is the client of the payer node in the blockchain network.
  • Bank staff can directly interact with the payer node through the client, thereby forming a logical correspondence between the bank and the node.
  • any participant and its corresponding node can send and receive data. It is understood that the participant sends and receives data to its corresponding node through the client it uses, which is hereby explained.
  • bank staff can also use electronic devices such as the following types: mobile phones, tablet devices, laptops, PDAs (Personal Digital Assistants), wearable devices (such as smart glasses, smart watches, etc.), VR ( Virtual Reality (Virtual Reality) equipment, AR (Augmented Reality, Augmented Reality) equipment, etc., one or more embodiments of this specification are not limited to this.
  • the application program of the above-mentioned client can be pre-installed on the above-mentioned electronic device, so that the client can be started and run on the electronic device; of course, when using an online "client” such as HTML5 technology, there is no need to install it on the electronic device. Install the corresponding application on the device to obtain and run the above client.
  • the above-mentioned debtor nodes, debtor nodes and payer nodes are divided at the logical level. From the physical device level, the node corresponding to any of the above participants can be deployed in the node device running locally of the participant. Or it can be deployed in the cloud in the form of a cloud host, or it can be hosted on a designated node manager, which will not be described again.
  • the capital flow process described in this specification includes participants such as the debtor, the debtor, and the payer. Any participant can be an enterprise, organization, group, individual, etc., and the embodiments of this disclosure are not limited to this.
  • the debtor can be any participant in the commodity production process, such as a core enterprise undertaking manufacturing tasks, etc.; the payor can be a bank, investment institution or other fund management party.
  • the creditor can assume corresponding business roles according to different application scenarios.
  • the creditor can be an upstream supplier of a core enterprise.
  • creditor 1 can be a first-level supplier of a core enterprise.
  • Creditor 2 can be the second-level supplier of the core enterprise,..., Creditor n can be the n-level supplier of the core enterprise, etc.
  • supplier 11 is the first-tier supplier of the core enterprise
  • suppliers 21 and 22 are the second-tier suppliers of the core enterprise
  • suppliers 31 to 33 are the third-tier suppliers of the core enterprise.
  • suppliers 31 and 32 can be regarded as the first-tier suppliers of supplier 21
  • supplier 33 can be regarded as the first-tier supplier of supplier 22, etc.
  • the creditor may be the first-level warehouse (or sorting center, transshipment center, distribution center, etc.) closest to the debtor, and the creditors 2 to n may be the corresponding second-level warehouses. , three-level or even n-level warehouses.
  • the debtor and creditor 2 to n may be the creditor's downstream agents, which will not be described again.
  • the following embodiments take a supply chain scenario as an example for description.
  • the number of creditors at each level corresponding to the debtor and the material supply relationship between creditors at different levels can be adjusted according to actual conditions, and this is not limited by the embodiments of the present disclosure.
  • the process of discounting accounts payable is the process in which the payer advances funds to the creditor using the credit of the debtor as a guarantee.
  • the payer needs to bear a certain risk of capital loss in this process.
  • the debtor may refuse to pay the debtor.
  • the payer transfers the corresponding write-off funds or handling fees, etc.
  • the payor can allocate a corresponding credit line to the debtor to ensure that the amount payable involved in the subsequent process is not greater than the credit line, thereby controlling the risk within a reasonable range.
  • the payer can grant credit to the debtor through on-chain or off-chain methods, that is, allocate the corresponding credit line to the debtor.
  • the debtor can directly initiate a credit request to the payer, so as to allocate a credit limit to the debtor in response to the request; wherein, the above credit limit can be saved locally by the debtor and the payer respectively, or can also be stored locally by the debtor node.
  • the payer node saves the certificate to the blockchain network, which will not be described again.
  • the debtor may also initiate a credit request for the payer to the payer node, so that the payer node may respond to the request by initiating in the blockchain network to instruct the payer to allocate credit to the debtor. Credit transactions for credit lines.
  • the credit limit allocated by the payer to the debtor can be stored in the blockchain network as the execution result of the credit transaction, such as the account corresponding to the creditor's account maintained locally by each node. status for subsequent inquiries.
  • the above-mentioned credit request can carry the asset information of the debtor, such as the asset certification information of the fixed assets (land, buildings, equipment, etc.) and/or current assets (cash, bonds, etc.) owned by the debtor, so as to pass the above information.
  • the above credit request may also include the historical credit records of the payor or other payers to the debtor, or other certification information designated by the payer, etc., the embodiments of this disclosure do not This is not limited. Accordingly, the payor can evaluate the actual situation of the debtor's assets, credit, etc. based on the above information, and then determine the credit line that can be allocated to the debtor based on this.
  • the specific method of determining the credit limit can be adjusted by the payer according to the actual situation, and the embodiment of the present disclosure does not limit this.
  • the credit line can be positively correlated with the debtor's asset quality, performance credit, etc.
  • the bank can allocate a larger credit line to the enterprise.
  • the creditor node can initiate a voucher issuance transaction containing the accounts payable information. This transaction is used to instruct the generation of a credit certificate for the creditor, and the credit amount of the credit certificate is not greater than the amount payable.
  • the debtor node may trigger execution of the voucher issuance transaction when the debtor passes the verification of the accounts payable information included in the voucher issuance transaction.
  • the above-mentioned accounts payable information is generated by the material transfer event related to the debtor in which the creditor participates, and this information is related to the type of the material transfer event.
  • the supply process of this batch of raw materials is a material transfer event, and the events generated by this process Contracts, orders, signatures, etc. are the accounts payable information.
  • the above information should include the cost of this batch of raw materials, that is, the cost that the core enterprise should pay to the first-tier supplier.
  • the number of the above-mentioned first-tier suppliers can be at least one or the same first-tier supplier may supply multiple batches of raw materials to the core enterprise.
  • the above process will generate multiple expenses, and the amount payable in this plan can be The amount of any one fee, or the sum of the amounts of multiple fees, etc. is not limited in this embodiment of the disclosure.
  • the above-mentioned voucher issuance transaction can be initiated by the debtor or the creditor.
  • the debtor needs to pay the creditor the amount of funds payable through accounts payable discount, it can initiate a voucher issuance request to the creditor node; or , the debtor and the payer can also agree in advance and both parties agree to pay the above funds by discounting accounts payable.
  • the creditor can initiate a request for the issuance of the voucher to the creditor node.
  • the voucher issuance transaction initiated in response to the voucher issuance request will be synchronized to the debtor node through the consensus network of the blockchain network, so that the debtor can send the accounts payable information contained in the transaction to the debtor, and the debtor will Verify the relevant information stored locally to ensure that the above accounts payable information contained in the transaction is true and valid.
  • the debtor can inform the debtor node to refuse to execute the voucher issuance transaction. If the verification is passed, the creditor node can trigger each node in the blockchain network to execute the voucher issuance transaction respectively.
  • the voucher issuance transaction can call a pre-deployed voucher generation contract in the blockchain network to generate the corresponding debt voucher, wherein the debt voucher can record the amount payable, as well as the identity information of the debtor and creditor, Other information such as generation time, valid time, valid range, etc. can also be recorded. Further, the generated credit certificate can be recorded in the receipt of the contract for subsequent reading.
  • the above-mentioned voucher issuance request or voucher issuance transaction may also include amount designation information for specifying the creditor's rights amount corresponding to the creditor's rights certificate to be generated.
  • amount designation information for specifying the creditor's rights amount corresponding to the creditor's rights certificate to be generated.
  • the core enterprise or supplier 11 can specify that the amount of the generated claim is 1 million yuan. of debt certificates.
  • the core enterprise or supplier 11 can also designate the generation of a credit certificate with a claim amount of 800,000 yuan.
  • the supplier 11 can finally obtain the discounted funds of 800,000 yuan (not exceeding) from the bank circulation, and The other 200,000 yuan can be repaid by the core enterprise to the supplier 11 in cash or other ways, which is not limited in this disclosed embodiment.
  • the creditors may belong to the same level, and in the material transfer event, the creditor transfers materials to the debtor.
  • the creditor may not have creditors 2 to n, but only creditor 1. That is, the creditors described in this plan are all first-level creditors.
  • the creditors described in this disclosure may only include supplier 11, but not suppliers 21-22 and suppliers 31-33.
  • Supplier 11 can use the credit certificate it has obtained to apply for fund transfer to Bank C. For example, Supplier 11 can initiate a fund transfer request containing the credit certificate to Bank C, so that Bank C can directly process the credit certificate. Verify, and transfer the discounted funds in the amount of the claim to Supplier 1 if the verification is passed.
  • the supplier 11 can also initiate a capital flow transaction containing the debt voucher in the blockchain network through the creditor node B1.
  • the debt voucher can be transferred to the blockchain network.
  • the payer can query the received debt voucher in the locally saved historical debt vouchers that have been generated, and if found, transfer the discounted funds of the debt amount (such as the aforementioned 1 million yuan) to the supplier 11.
  • the creditor may belong to multiple levels, and in the material transfer event, the creditor at the lower level transfers materials to the creditor at the upper level.
  • supplier 31 and/or supplier 21 can supply materials to supplier 21; in addition, supplier 33 can also supply materials to supplier 22, and supplier 21 and/or supplier 22 can supply materials to supplier 21.
  • Supplier 11 supplies materials, and the core enterprise uses the materials supplied by Supplier 21 and/or Supplier 22 to produce products.
  • the creditor's rights certificates can be split among multiple creditors of different levels to obtain new creditor's rights certificates of corresponding levels and amounts.
  • the above-mentioned split can be completed by the upper-level creditor off-chain.
  • the upper-level creditor can generate the next-level creditor's rights certificate based on its own upper-level creditor's rights certificate and send it to the lower-level creditor, so that the lower-level creditor can The party deposits the next-level credit certificate to the blockchain network through its corresponding creditor node.
  • the above-mentioned split can also be completed on the chain by each node by executing transactions.
  • the upper-level creditor uses the corresponding creditor node to initiate a creditor's rights transfer transaction for its own upper-level creditor's rights certificate to transfer the creditor's rights to the above-mentioned creditor.
  • the lower-level creditor allocates the lower-level credit certificates generated based on the upper-level credit certificates.
  • upper-level participants can designate lower-level participants to facilitate the management and control of product quality.
  • the debtor or the superior creditor of any one-level creditor can designate the next-level creditor of any one-level creditor.
  • all creditors can be evaluated from at least one dimension such as brand, cost, energy consumption, material quality, etc.
  • the creditor of the next level of any of the above-mentioned level of creditors shall be designated.
  • any of the creditors can generate the next-level creditor's certificate of the next-level creditor based on its own creditor's rights certificate when its next-level creditor is designated in the above manner.
  • the creditor can generate corresponding lower-level credit certificates for the debtor or the higher-level creditor designated by the creditor.
  • it can also avoid
  • other lower-level creditors generate lower-level debt certificates.
  • the superior creditor of any one-level creditor may be its upper-level creditor, or may also be its upper-level creditor, which is not limited in the embodiments of this disclosure.
  • the core enterprise can designate corresponding next-level suppliers for each of its corresponding suppliers. For example, it can designate supplier 21 for supplier 11 or designate supplier 32 for supplier 21, etc.; any supplier You can designate the next lower-level supplier for any supplier below your own level. For example, supplier 11 can designate supplier 31 for supplier 21, etc.
  • the core enterprise when the core enterprise designates supplier 21 for supplier 11 (but does not specify supplier 22), when supplier 21 receives the debt voucher generated through the aforementioned method, it can use the debt voucher to Generate a lower-level debt voucher for supplier 21, but cannot generate a lower-level debt voucher for supplier 22 based on this debt voucher.
  • the core enterprise or the upper-level creditor can control the process of splitting the credit certificates of the next creditor, so that creditors with good credit can be set up as the next-level creditor according to the actual situation of each lower-level creditor.
  • the creditor or the blockchain node in the blockchain network can use various methods to generate the next-level creditor's claim of the next-level creditor based on the upper-level creditor's certificate of the upper-level creditor. certificate.
  • the creditor recorded in the upper-level creditor's rights certificate can be updated from the upper-level creditor to the lower-level creditor, and the updated creditor's rights certificate can be used as the lower-level creditor's rights certificate.
  • the 1 million yuan credit certificate obtained by supplier 11 records the two parties corresponding to the certificate, namely the core enterprise and supplier 11 - at this time, the core enterprise is equivalent to the debtor and supplier 11 is equivalent. to the creditor.
  • supplier 11 can update the creditor supplier 11 recorded in its above-mentioned credit certificate to supplier 21. , the updated certificate can be used as the next-level credit certificate generated by the supplier 11 for the blockchain network 21.
  • the creditor's amount is the same as the debtor but the creditor is different, which is equivalent to transferring the fund certificate owed by the debtor to the upper-level creditor to the next-level creditor.
  • the creditor essentially realizes the transfer of debts in equal amounts between the debtor and the creditor.
  • the upper-level creditor's rights certificate can also be split into a new upper-level creditor's rights certificate and at least one lower-level creditor's rights certificate.
  • the new upper-level creditor's rights certificate and at least one lower-level creditor's rights certificate The sum of the creditor's rights amount shall not be greater than the creditor's rights amount of the split upper-level creditor's rights certificates.
  • FIG 2 it is assumed that supplier 11 obtains an upper-level credit certificate of 1 million yuan. Based on this, when supplier 21 supplies supplies to supplier 11, an unpaid order of less than 1 million yuan (such as 600,000 yuan) is generated.
  • Supplier 11 can split the upper-level debt certificate of 1 million yuan into a new upper-level debt certificate and a lower-level debt certificate, such as splitting it into a new debt certificate of 400,000 yuan.
  • the upper-level debt certificate and a lower-level debt certificate of 600,000 yuan are kept by the supplier 11 itself, and the lower-level creditor's rights certificate of 600,000 yuan can be provided to the supplier 21.
  • the upper-level debt certificate of RMB 200,000 is split into a new upper-level debt certificate and multiple lower-level debt certificates. For example, it is split into a new upper-level debt certificate of 200,000 yuan and a lower-level debt certificate of 600,000 yuan. A first-level debt certificate and a lower-level debt certificate of 200,000 yuan.
  • the new upper-level debt certificate of 200,000 yuan can be kept by the supplier 11 itself, the lower-level debt certificate of 600,000 yuan can be provided to the supplier 21, and the lower-level debt certificate of 200,000 yuan can be provided to the supplier 21.
  • Debt notes may be provided to the supplier 22.
  • the upper-level creditor's rights certificate can also be split into multiple lower-level creditor's rights certificates, and the sum of the creditor's rights of at least one lower-level creditor's rights certificate is not greater than the amount of the split upper-level creditor's rights certificate.
  • the amount of the debt As shown in Figure 2, it is assumed that supplier 11 obtains an upper-level credit certificate of 1 million yuan. Based on this, when supplier 21 supplies to supplier 11, an unpaid order of 600,000 yuan is generated, and supplier 22 When Supplier 11 produces an order of 400,000 yuan to be paid, Supplier 11 can split the upper-level debt certificate of 1 million yuan into multiple lower-level debt certificates, such as splitting it into one of 600,000 yuan.
  • a lower-level debt certificate of RMB 400,000 and a lower-level debt certificate of RMB 400,000 can be provided to supplier 21, and the lower-level creditor's rights certificate of 400,000 yuan can be provided to supplier 22, which will not be described again.
  • the above-mentioned splitting process of debt securities can be implemented based on the principle of bond splitting and transfer in related technologies, and the specific process will not be described again.
  • the above embodiments provide multiple ways to split the upper-level debt certificates into the lower-level debt certificates.
  • the specific splitting method can be reasonably determined according to the financial needs of each creditor. The embodiments of this disclosure This is not limited.
  • the above-mentioned splitting process of creditor's rights certificates is essentially the splitting of the debtor's debt, and the above-mentioned splitting is based on the joint participation of both parties (i.e., the upper-level creditor and the lower-level creditor).
  • Accounts payable information generated by the material transfer event such as the event where supplier 21 supplies materials to supplier 11.
  • the lower-level creditors and the upper-level creditors can separately verify the above-mentioned accounts payable information.
  • the above-mentioned creditor's rights transfer transaction can also carry the contracts, orders, signatures and other accounts payable information generated by the above-mentioned material transfer event.
  • the upper-level creditor and the lower-level creditor can respectively obtain the accounts payable information contained in the transaction from the corresponding creditor node for verification, such as comparing it with the locally maintained accounts payable information, etc. Determine the authenticity of the message.
  • the blockchain node or the upper-level creditor can generate the next-level creditor's certificate of the lower-level creditor based on its own upper-level creditor's certificate.
  • the creditor node can initiate a fund transfer transaction containing the credit certificate in the blockchain network based on its own capital needs. For example, the creditor can send a fund flow request to its corresponding creditor node, so that the node initiates a fund flow transaction in the blockchain network in response to the fund flow request.
  • the payor node can send the creditor's rights certificate contained therein to the payor for verification. For example, the payer can verify and verify the creditor's rights certificate based on the locally maintained historical creditor's rights certificate. The amount of the debt corresponding to the debt certificate is verified, etc.
  • the payer can trigger the refusal to execute the capital flow transaction and refuse to transfer discount funds to the creditor; and if the verification passes, the payer can trigger the execution of the capital flow transaction, Transfer the discounted funds in the amount of the said claim to the said creditor.
  • the payer can also calculate the corresponding handling fees and other expenses, and transfer the remaining discount funds after deducting the above expenses to the creditor.
  • corresponding fund flow records will be generated, such as the payor's record of transferring out the funds, the creditor's record of transferring the funds, etc.
  • the creditor node and the payer node can respectively store the corresponding fund flow records in the blockchain network.
  • each node in the blockchain network can use the above fund flow records as the basis of the fund flow transaction. The execution results are saved locally to facilitate the accurate storage and traceability of the above transfers.
  • the process of transferring discount funds to the creditor from the payer side is completed.
  • the core enterprise uses its own credit to provide guarantees for upstream suppliers, which helps to reduce the overall cost of the capital flow process.
  • the above-mentioned discount funds are actually funds advanced by the payer to the creditor on behalf of the debtor using the credit of the debtor as a guarantee.
  • the debt corresponding to the amount of the creditor's rights between the debtor and the creditor is transferred to the debtor. between the party and the payer. Therefore, in order to write off the above-mentioned debts, the debtor can transfer the corresponding write-off funds to the payor within the time agreed in advance with the payor.
  • the debtor node can also send the fund flow record synchronized from the blockchain network to the debtor, thereby triggering the debtor to transfer the write-off funds of the payable amount to the payer.
  • a corresponding handling fee can also be paid to the payer.
  • the handling fee can be based on the amount payable and/or the amount of the claim, the time when the transfer of discount funds from the payer to the creditor is completed to the time when the debtor transfers the write-off funds to the payer.
  • the interval length between moments can be determined.
  • the handling fee can be calculated according to a preset ratio of 0.1%, 0.02%, etc. of the credit amount or according to a preset multiple of the above-mentioned interval time. This is not limited by the embodiments of the present disclosure. .
  • a blockchain network is introduced in the credit sale process of accounts receivable.
  • the debtor, creditor and payer as participants in the credit sale process of accounts receivable respectively correspond to different entities in the blockchain network.
  • Blockchain node Based on this, the creditor node initiates a voucher issuance transaction containing accounts payable information in the blockchain network.
  • the accounts payable information generated by the material transfer event includes the amount payable, and the debtor node issues a voucher transaction on the debtor side. If the accounts payable information contained in the transaction is verified and passed, the execution of the transaction will be triggered, thereby generating a credit certificate for the creditor.
  • the creditor can initiate a capital transfer transaction containing the credit certificate in the blockchain network, and the payor node triggers the execution of the credit certificate when the payor passes the verification of the credit certificate included in the capital flow transaction. Transaction to instruct the payor to transfer the discounted funds of the stated claim amount to the creditor to complete the discounting process of accounts payable.
  • the creditor can initiate a voucher issuance transaction to allocate credit certificates corresponding to the amount payable to the debtor, and initiate a capital flow transaction to allow the payor to transfer corresponding discount funds to the creditor.
  • the debtor verifies the accounts payable information contained in the voucher issuance transaction, and the payor verifies the credit voucher contained in the capital flow transaction, and executes the corresponding transaction if the verification passes, thus effectively ensuring The data authenticity of executed voucher issuance transactions and capital flow transactions.
  • the self-checking circulation system may also include a blockchain main network.
  • the main network nodes in the main network include debtor main network nodes and payers respectively corresponding to the debtor and the payer.
  • Main network node, the blockchain main network is used to store the blockchain data generated by the blockchain network during the capital flow process.
  • the blockchain main network can also be connected to multiple blockchain networks corresponding to different types of material transfer events. At this time, the blockchain main network can respond to any blockchain network targeting another A data forwarding request initiated by a blockchain network forwards the target data contained in the request to the other blockchain network.
  • the parallel chain 1 composed of debtor node A, creditor node B1, ..., creditor node Bn and payer node C is the blockchain network described in the aforementioned embodiment.
  • the blockchain main network HIA connected to this network is connected to other parallel chains.
  • Each parallel chain connected to the blockchain main network can correspond to different types of material transfer events.
  • parallel chain 1 can correspond to supply Raw material supply events in the chain scenario
  • parallel chain 2 can correspond to commodity logistics events in the warehousing logistics scenario
  • Parallel chain m (1 ⁇ m) can correspond to commodity sales events in the sales chain scenario, etc., which will not be described again.
  • the above-mentioned blockchain main network can be used to manage each parallel chain.
  • the debtor, creditor 1, creditor n and payer in the parallel chain are the core enterprise, first-level supplier, second-level supplier and bank respectively.
  • the core enterprise and bank can respectively correspond to the main network nodes A and C1 in the blockchain main network.
  • the core enterprise or the bank can initiate a transaction to create a subnet in the main blockchain network to create parachain 1 by executing the transaction - the newly created parachain 1 can only include debtor node A and the payer node C.
  • the two can add more new nodes in the parallel chain by executing transactions, such as adding various supplier nodes one by one or in batches.
  • the blockchain data generated during the operation of the parallel chain can be synchronized to the blockchain main network.
  • the above-mentioned blockchain data can include a variety of data that are stored in the parallel chain 1, such as transaction blocks, transaction receipts, Account status data, etc., the embodiments of the present disclosure do not limit this.
  • the data synchronization process between Parachain 1 and the blockchain main network can be done through Notary Schemes, Sidechains/Relays, and Hash-locking in related technologies. locking) and other methods, which will not be described here.
  • the capital circulation system described in the embodiments of the present disclosure can be used as a component of a financial platform based on blockchain technology.
  • the financial platform can be used to implement a variety of financial functions in addition to the capital circulation process. I won’t go into details one by one.
  • the present disclosure also proposes a capital circulation method, which is applied to creditor nodes in the blockchain network.
  • the creditor nodes, debtor nodes and payers in the blockchain network The nodes respectively correspond to the creditor, the debtor and the payer.
  • the material transfer event related to the debtor in which the creditor participates generates accounts payable information including the amount payable; as shown in Figure 4, this method May include steps 402-404:
  • Step 402 Initiate a voucher issuance transaction containing the accounts payable information.
  • the voucher issuance transaction is triggered by the debtor node when the debtor passes the verification of the accounts payable information, and is used to indicate that the voucher issuance transaction is The creditor generates a credit certificate with a credit amount not greater than the amount payable.
  • Step 404 Initiate a capital flow transaction containing the credit certificate.
  • the capital flow transaction is triggered and executed by the payer node when the payer passes the verification of the credit certificate included in the capital flow transaction. Use Instruct the payer to transfer the discounted funds of the creditor's amount to the creditor.
  • the creditor belongs to multiple levels.
  • the lower-level creditor transfers materials to the upper-level creditor.
  • the creditor's rights certificate included in the capital flow transaction is for any level.
  • Debt certificates the methods also include:
  • the upper-level creditor generates a lower-level creditor's certificate based on its own upper-level creditor's rights certificate and sends it to the lower-level creditor, so that the lower-level creditor transfers the lower-level creditor's rights certificate to the lower-level creditor through its corresponding creditor node.
  • the first-level debt certificate is deposited into the blockchain network; or,
  • the upper-level creditor initiates a creditor's rights transfer transaction for its own upper-level creditor's rights certificate through the corresponding creditor node, so as to distribute the lower-level creditor's rights generated based on the upper-level creditor's rights certificate to the lower-level creditor. certificate.
  • the present disclosure also provides embodiments of a fund circulation device.
  • the embodiment of the present disclosure proposes a capital circulation device, which is applied to creditor nodes in a blockchain network.
  • the creditor nodes, debtor nodes and payer nodes in the blockchain network respectively correspond to creditors.
  • the debtor and the payer the material transfer event related to the debtor in which the creditor participates generates accounts payable information including the amount payable;
  • the device includes one or more processors, and the processing
  • the server is configured as:
  • the voucher issuance transaction is triggered by the debtor node when the debtor passes the verification of the accounts payable information, and is used to indicate the creditor.
  • the creditor belongs to multiple levels.
  • the lower-level creditor transfers materials to the upper-level creditor
  • the creditor's rights certificate included in the capital flow transaction is a creditor's rights of any level.
  • the processor is also configured to:
  • the upper-level creditor generates a lower-level creditor's certificate based on its own upper-level creditor's rights certificate and sends it to the lower-level creditor, so that the lower-level creditor transfers the lower-level creditor's rights certificate to the lower-level creditor through its corresponding creditor node.
  • the first-level debt certificate is deposited into the blockchain network; or,
  • the upper-level creditor initiates a creditor's rights transfer transaction for its own upper-level creditor's rights certificate through the corresponding creditor node, so as to distribute the lower-level creditor's rights generated based on the upper-level creditor's rights certificate to the lower-level creditor. certificate.
  • An embodiment of the present disclosure also provides an electronic device, including: a processor; a memory for storing instructions executable by the processor; wherein the processor is configured to implement the fund circulation method described in any of the above embodiments.
  • Embodiments of the present disclosure also provide a non-transitory computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the steps in the fund circulation method described in any of the above embodiments are implemented.
  • FIG. 5 is a schematic block diagram of a device 500 for data authentication or driving mode determination according to an embodiment of the present disclosure.
  • the device 500 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, a fitness device, a personal digital assistant, or the like.
  • the device 500 may include one or more of the following components: a processing component 502, a memory 504, a power supply component 506, a multimedia component 508, an audio component 510, an input/output (I/O) interface 512, a sensor component 514, and communications component 516.
  • Processing component 502 generally controls the overall operations of device 500, such as operations associated with display, phone calls, data communications, camera operations, and recording operations.
  • the processing component 502 may include one or more processors 520 to execute instructions to complete all or part of the steps of the above-mentioned fund flow method.
  • processing component 502 may include one or more modules that facilitate interaction between processing component 502 and other components.
  • processing component 502 may include a multimedia module to facilitate interaction between multimedia component 508 and processing component 502.
  • Memory 504 is configured to store various types of data to support operations at device 500 . Examples of such data include instructions for any application or method operating on device 500, contact data, phonebook data, messages, pictures, videos, etc.
  • Memory 504 may be implemented by any type of volatile or non-volatile storage device, or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EEPROM), Programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk.
  • SRAM static random access memory
  • EEPROM electrically erasable programmable read-only memory
  • EEPROM erasable programmable read-only memory
  • EPROM Programmable read-only memory
  • PROM programmable read-only memory
  • ROM read-only memory
  • magnetic memory flash memory, magnetic or optical disk.
  • Power supply component 506 provides power to the various components of device 500 .
  • Power supply component 506 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to device 500 .
  • Multimedia component 508 includes a screen that provides an output interface between the device 500 and the user.
  • the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from the user.
  • the touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide action.
  • multimedia component 508 includes a front-facing camera and/or a rear-facing camera.
  • the front camera and/or the rear camera may receive external multimedia data.
  • Each front-facing camera and rear-facing camera can be a fixed optical lens system or have a focal length and optical zoom capabilities.
  • Audio component 510 is configured to output and/or input audio signals.
  • audio component 510 includes a microphone (MIC) configured to receive external audio signals when device 500 is in operating modes, such as call mode, recording mode, and speech recognition mode. The received audio signals may be further stored in memory 504 or sent via communication component 516 .
  • audio component 510 also includes a speaker for outputting audio signals.
  • the I/O interface 512 provides an interface between the processing component 502 and a peripheral interface module, which may be a keyboard, a click wheel, a button, etc. These buttons may include, but are not limited to: Home button, Volume buttons, Start button, and Lock button.
  • Sensor component 514 includes one or more sensors for providing various aspects of status assessment for device 500.
  • the sensor component 514 can detect the open/closed state of the device 500, the relative positioning of components, such as the display and keypad of the device 500, and the sensor component 514 can also detect a change in position of the device 500 or a component of the device 500. , the presence or absence of user contact with the device 500 , device 500 orientation or acceleration/deceleration and temperature changes of the device 500 .
  • Sensor assembly 514 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact.
  • Sensor assembly 514 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications.
  • the sensor component 514 may also include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
  • Communication component 516 is configured to facilitate wired or wireless communication between apparatus 500 and other devices.
  • the device 500 can access a wireless network based on a communication standard, such as WiFi, 2G or 3G, 4G LTE, 6G NR, or a combination thereof.
  • the communication component 516 receives broadcast signals or broadcast related information from an external broadcast management system via a broadcast channel.
  • the communications component 516 also includes a near field communications (NFC) module to facilitate short-range communications.
  • NFC near field communications
  • the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology and other technologies.
  • RFID radio frequency identification
  • IrDA infrared data association
  • UWB ultra-wideband
  • Bluetooth Bluetooth
  • apparatus 500 may be configured by one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable Gate array (FPGA), controller, microcontroller, microprocessor or other electronic components are implemented for executing the above fund flow method.
  • ASICs application specific integrated circuits
  • DSPs digital signal processors
  • DSPDs digital signal processing devices
  • PLDs programmable logic devices
  • FPGA field programmable Gate array
  • controller microcontroller, microprocessor or other electronic components are implemented for executing the above fund flow method.
  • a non-transitory computer-readable storage medium including instructions such as a memory 504 including instructions, is also provided, and the instructions can be executed by the processor 520 of the device 500 to complete the above fund flow method.
  • the non-transitory computer-readable storage medium may be ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

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Abstract

La présente invention concerne un système, un procédé et un appareil de flux de fonds. Le système comporte un réseau de chaîne de blocs, et un nœud de débiteur, un nœud de créancier et un nœud de payeur dans le réseau correspondent respectivement à un débiteur, à un créancier et à un payeur. Un événement de transfert substantiel pour le débiteur, auquel participe le créancier, génère des informations de comptes créditeurs comportant un montant à régler. Le nœud de créancier est utilisé pour: amorcer une transaction d'émission de bon contenant les informations de comptes créditeurs, la transaction étant utilisée pour donner comme consigne de générer, pour le créancier, un bon de crédit dont le montant de crédit n'est pas supérieur au montant à régler; et amorcer une transaction de flux de fonds contenant le bon de crédit. Le nœud de débiteur est utilisé pour déclencher l'exécution de la transaction d'émission de bon lorsque la vérification des informations de comptes créditeurs par le débiteur est concluante. Le nœud de payeur est utilisé pour déclencher l'exécution de la transaction de flux de fonds lorsque la vérification du bon de crédit par le payeur est concluante, la transaction étant utilisée pour donner comme consigne au payeur de transférer des fonds actualisés du montant de crédit au créancier. La solution améliore l'enthousiasme d'un payeur pour le prêt et le taux de succès d'emprunt d'un créancier.
PCT/CN2022/096470 2022-05-31 2022-05-31 Système, procédé et appareil de flux de fonds WO2023230917A1 (fr)

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Citations (4)

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Publication number Priority date Publication date Assignee Title
CN109615515A (zh) * 2018-12-05 2019-04-12 腾讯科技（深圳）有限公司 债权凭证转移方法、装置、电子设备及存储介质
CN110737721A (zh) * 2019-09-25 2020-01-31 中信梧桐港供应链管理有限公司 基于区块链架构的应收账款流转融资方法及装置
WO2020036552A2 (fr) * 2018-04-24 2020-02-20 Karabiyik Muersel Oezguer Procédé de paiement permettant l'utilisation de créances recouvrables pour le paiement d'une dette
CN113870024A (zh) * 2021-09-27 2021-12-31 南京纳斯合一科技有限公司 一种基于区块链技术的交易方法和***

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2020036552A2 (fr) * 2018-04-24 2020-02-20 Karabiyik Muersel Oezguer Procédé de paiement permettant l'utilisation de créances recouvrables pour le paiement d'une dette
CN109615515A (zh) * 2018-12-05 2019-04-12 腾讯科技（深圳）有限公司 债权凭证转移方法、装置、电子设备及存储介质
CN110737721A (zh) * 2019-09-25 2020-01-31 中信梧桐港供应链管理有限公司 基于区块链架构的应收账款流转融资方法及装置
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