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CN113627901A - Blockchain-based factoring pool financing method and system, equipment and storage medium - Google Patents

Blockchain-based factoring pool financing method and system, equipment and storage medium Download PDF

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CN113627901A
CN113627901A CN202110891153.XA CN202110891153A CN113627901A CN 113627901 A CN113627901 A CN 113627901A CN 202110891153 A CN202110891153 A CN 202110891153A CN 113627901 A CN113627901 A CN 113627901A
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accounts receivable
factoring
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马超群
孙霖
周中定
李信儒
兰秋军
万丽
米先华
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Hunan University
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Abstract

The invention discloses a block chain-based insurance pool financing method, a block chain-based intelligent contract technology, a system, equipment and a storage medium, wherein the method realizes the automatic execution of insurance pool financing service, improves the supply chain financing efficiency, reduces the cost of manpower and material resources, reduces the financing risk of insurance managers, and realizes more rapid, safe and reliable insurance pool financing. The life cycle state and the state transfer process of the receivable account bills are reasonably designed, so that the digital cochain of the receivable account bills is realized, the life cycle state of the receivable account bills is continuously updated according to the financing business process of the insurance pool, the receivable account bills are correspondingly transferred among all nodes, the automatic transfer of the receivable account bills in a block chain network is facilitated, the trust degree of all nodes in the financing process is enhanced, and the financing efficiency is improved.

Description

Guarantee pool financing method, system, equipment and storage medium based on block chain
Technical Field
The present invention relates to the field of block chain technologies, and in particular, to a block chain-based insurance pool financing method, system, device, and computer-readable storage medium.
Background
The financing of the insurance policy pool refers to that one or more accounts receivable items containing different buyers, different time limits and different money amounts are all transferred to a policy holder or a bank at one time, and the policy holder or the bank gives financing according to the accumulated accounts receivable items. As shown in fig. 1, the existing financing process of the insurance pool specifically includes: the financing enterprise forms a plurality of accounts receivable accounts for a plurality of supply chain downstream enterprises, the financing enterprise transfers a plurality of accounts receivable accounts to the policy holder, the financing enterprise and the policy holder inform the plurality of supply chain downstream enterprises of the account transfer conditions, the policy holder confirms the account transfer conditions through the plurality of supply chain downstream enterprises, the policy holder provides financing for the financing enterprise, and finally, the plurality of supply chain downstream enterprises pay the account receivable accounts to the policy holder.
However, the existing insurance pool financing mode has the following disadvantages:
1. in the traditional financing activity of the insurance pool, a large amount of paper materials are opened and verified, and a mailing mode is often adopted in the material transfer process, so that the financing efficiency is greatly reduced, and a large amount of manpower and financial resources are wasted.
2. Paper materials have the possibility of counterfeiting, are easy to lose and are difficult to store.
3. The contract signing of the insurance pool financing contract is based on risk assessment of insurance providers to financing enterprises and supply chain downstream enterprises, the contract signing relates to a plurality of enterprises, and the insurance providers often have incomplete control over the information of the enterprises, so that default risks are underestimated, and the financing risks of the insurance providers are large.
Disclosure of Invention
The invention provides a block chain-based insurance pool financing method, a block chain-based insurance pool financing system, block chain-based insurance pool financing equipment and a computer-readable storage medium, which are used for solving the defects of the existing insurance pool financing mode.
According to one aspect of the invention, a block chain-based insurance pool financing method is provided, which comprises the following steps:
step S1: the buyer node sends the enterprise information to an Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;
step S2: after the buyer node and the seller node reach a trade contract, the buyer node executes a first intelligent contract for generating an accounts receivable bill on the block chain, the first intelligent contract generates an accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;
step S3: the seller node and the buyer node execute the goods consignment event, and release the related information signature of the goods consignment event into the block chain after confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and updates the life cycle state of the accounts receivable bill to a state to be received;
step S4: the method comprises the following steps that a seller node and a warranty manager node execute a warranty pool financing event, sign and confirm related information of the warranty pool financing event and then issue the related information into a block chain, a first intelligent contract updates an account receipt bill based on the uploaded related information of the warranty pool financing event, and the life cycle state of the account receipt bill is updated to be a closed state;
step S5: and the second intelligent contract updates the receipt bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the receivable bill to be a failure state.
Further, the accounts receivable ticket model includes the following: payer, enterprise information, document number, payee, transaction content, amount due for receipt, payment date, delivery voucher, warrant, service number of warrant pool, warrant content, cash rate, cash amount, total cash amount, transfer voucher, current holder, remaining due days, life cycle status.
Further, the step S2 specifically includes the following steps:
after the buyer node and the seller node reach a trade contract, the buyer node issues enterprise information and a trade contract which pass the verification of the Oracle node into a block chain after being signed by a private key, and generates an accounts receivable bill according to the enterprise information, the trade contract and a preset accounts receivable bill model uploaded by the buyer node after a first intelligent contract is triggered, and the life cycle state of the accounts receivable bill is updated to a state of accounts receivable.
Further, the step S3 specifically includes the following steps:
step S31: the seller node verifies the signature of the buyer node and confirms the transaction content and the receivable amount in the receivable bill, then delivers the transaction content and the receivable amount to the buyer node, and uploads the consignment contract signature to the Oracle node;
step S32: the Oracle node verifies the consignment contract uploaded by the seller node, the seller node fills in a delivery certificate field in the bill of the receivable account by using the consignment contract which passes the verification of the Oracle node, and the delivery certificate field is signed and then issued to the block chain;
step S33: the buyer node verifies the signature of the seller node and confirms a delivery voucher field in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, the receivable bill is issued into the block chain, the first intelligent contract updates the content in the receivable bill according to the shipping contract, the receivable bill is transferred to the seller node, and the life cycle state of the receivable bill is updated to be in a receivable state.
Further, the step S4 specifically includes the following steps:
step S41: the seller node and the policy holder node reach a policy agreement and a liability assignment agreement, and the seller node signs one or more accounts receivable bills and then issues the bills into the block chain;
step S42: the policy holder node verifies the signature and content of the seller node in all accounts receivable bills, transfers the accounts to the seller node, and uploads the transfer record signature to the Oracle node;
step S43: the Oracle node verifies the warranty agreement, the bond transfer agreement and the transfer record, and the warranty provider node fills corresponding contents in the receivable account bill by using the warranty agreement, the bond transfer agreement and the transfer record which pass the Oracle verification, signs and then issues the signed contents to the block chain;
step S44: the seller node verifies the signature of the policy holder node and the related content in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, and the signature is issued to the block chain, the first intelligent contract updates the content in the receivable bill according to the transfer certificate between the policy holder node and the seller node, transfers the receivable bill to the policy holder node, and updates the life cycle state of the receivable bill to a closed state.
Further, the step S5 specifically includes the following steps:
step S51: the policy holder node executes a second intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the signed receivable account bill to the block chain;
step S52: the buyer node verifies the signature of the policy holder node in the receivable account bill, transfers the account to the policy holder node, and uploads the account transfer record signature to the Oracle node;
step S53: the Oracle node verifies the transfer record, the buyer node fills the transfer certificate field in the receivable bill by using the transfer record passing the Oracle node verification, and the transfer certificate field is signed and then issued to the block chain;
step S54: the policy holder node verifies the signature of the buyer node and the transfer voucher field in the receivable bill, the signature is signed on the receivable bill after the verification is passed, the signature is issued to the block chain, the second intelligent contract updates the content in the receivable bill according to the transfer voucher between the buyer node and the policy holder node, the receivable bill is transferred to the buyer node, and the life cycle state of the receivable bill is updated to be in a failure state.
Further, the accounts receivable bill model calculates the cash-out amount using the following formula:
Figure BDA0003196135110000041
where F denotes the cash deposit amount, a denotes the receivable amount, T denotes the remaining number of days to which accounts are to be due, B denotes the cash deposit rate, and B ═ F (r)f，rr，t,rB)，rfIndicates no risk interest, rrRepresenting the reproduction rate, t representing the posting period, rBRepresenting buyer credit risk interest rates based on blockchain.
In addition, another embodiment of the present invention further provides a block chain-based insurance pool financing system, including:
the identity verification module is used for enabling the buyer node to send the enterprise information to the Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;
the trade management module is used for enabling the buyer node to execute a first intelligent contract for generating an accounts receivable bill on the block chain after the buyer node and the seller node reach a trade contract, the first intelligent contract generates the accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;
the consignment management module is used for the seller node and the buyer node to execute a goods consignment event, and the related information of the goods consignment event is issued to the block chain after signature confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and the life cycle state of the accounts receivable bill is updated to be a state to be received;
the financing management module is used for the seller node and the insurance manager node to execute the insurance pool financing event, and issues the related information signature of the insurance pool financing event to the block chain after the related information signature is confirmed, the first intelligent contract updates the receipt bill based on the uploaded related information of the insurance pool financing event, and updates the life cycle state of the receivable receipt bill to a state of being posted;
and the repayment management module is used for executing a second intelligent contract for cashing accounts receivable by the payers on the block chain by the payers node, executing a repayment event by the buyer node and the payers node, and uploading the signature of the relevant information of the repayment event to the block chain after confirming the signature, wherein the second intelligent contract updates the account receivable bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the account receivable bill to be a failure state.
In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.
In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for performing a pool financing based on a blockchain, the computer program, when executed on a computer, performing the steps of the method as described above.
The invention has the following effects:
according to the block chain-based insurance pool financing method, the intelligent contract technology based on the block chain realizes the automatic execution of the insurance pool financing service, improves the supply chain financing efficiency, reduces the manpower and material resource cost, reduces the financing risk of the insurance manager, and realizes faster, safer and more reliable insurance pool financing. Moreover, the application of the block chain technology accurately records the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, and once a problem occurs in a transaction link, the source of the problem can be traced very easily, so that the transaction process can be monitored conveniently. More importantly, the life cycle state and the state transfer process of the receivable bills are reasonably designed, so that the digital cochain of the receivable bills is realized, the life cycle state of the receivable bills is continuously updated according to the progress of the financing business process of the insurance policy pool, the receivable bills are correspondingly transferred among all the nodes, the automatic transfer of the receivable bills in the block chain network is facilitated, the trust degree of all the nodes in the financing process is enhanced, and the financing efficiency is improved.
In addition, the block chain-based insurance pool financing system, the block chain-based insurance pool financing equipment and the computer-readable storage medium have the advantages.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic diagram of a service flow of a conventional insurance pool financing service.
Fig. 2 is a flow chart of a block chain-based warranty pool financing method according to a preferred embodiment of the present invention.
Fig. 3 is a sub-flowchart of step S3 in fig. 2.
Fig. 4 is a sub-flowchart of step S4 in fig. 2.
Fig. 5 is a sub-flowchart of step S5 in fig. 2.
Fig. 6 is a schematic block diagram of a block chain-based insurance pool financing system according to another embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
As shown in fig. 2, a preferred embodiment of the present invention provides a block chain-based insurance pool financing method, which includes the following steps:
step S1: the buyer node sends the enterprise information to an Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;
step S2: after the buyer node and the seller node reach a trade contract, the buyer node executes a first intelligent contract for generating an accounts receivable bill on the block chain, the first intelligent contract generates an accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;
step S3: the seller node and the buyer node execute the goods consignment event, and release the related information signature of the goods consignment event into the block chain after confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and updates the life cycle state of the accounts receivable bill to a state to be received;
step S4: the method comprises the following steps that a seller node and a warranty manager node execute a warranty pool financing event, sign and confirm related information of the warranty pool financing event and then issue the related information into a block chain, a first intelligent contract updates an account receipt bill based on the uploaded related information of the warranty pool financing event, and the life cycle state of the account receipt bill is updated to be a closed state;
step S5: and the second intelligent contract updates the receipt bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the receivable bill to be a failure state.
It can be understood that, in the block chain-based insurance pool financing method of this embodiment, the block chain-based intelligent contract technology realizes the automatic execution of the insurance pool financing service, improves the supply chain financing efficiency, reduces the manpower and material resource costs, reduces the financing risk of the insurance manager, and realizes more rapid, safe and reliable insurance pool financing. Moreover, the application of the block chain technology accurately records the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, and once a problem occurs in a transaction link, the source of the problem can be traced very easily, so that the transaction process can be monitored conveniently. More importantly, the life cycle state and the state transfer process of the receivable bills are reasonably designed, so that the digital cochain of the receivable bills is realized, the life cycle state of the receivable bills is continuously updated according to the progress of the financing business process of the insurance policy pool, the receivable bills are correspondingly transferred among all the nodes, the automatic transfer of the receivable bills in the block chain network is facilitated, the trust degree of all the nodes in the financing process is enhanced, and the financing efficiency is improved.
It is understood that in step S1, the buyer node (i.e. the enterprise downstream in the supply chain) sends enterprise information such as enterprise name, enterprise address, organization code or credit code to the Oracle node, and the Oracle node verifies the enterprise information uploaded by the buyer node, generates a credit investigation report of the first party node after confirming that the enterprise information is true, signs the credit investigation report with the private key, and then issues the credit investigation report into the blockchain. The Oracle node is a platform for providing external information, can allow the block chain to be connected to any existing API interface, and can import, store and export information related to the network node on the block chain, thereby realizing dynamic acquisition of the information.
It is understood that the step S2 specifically includes the following steps:
after the buyer node and the seller node reach a trade contract, the buyer node issues enterprise information and a trade contract which pass the verification of the Oracle node into a block chain after being signed by a private key, and generates an accounts receivable bill according to the enterprise information, the trade contract and a preset accounts receivable bill model uploaded by the buyer node after a first intelligent contract is triggered, and the life cycle state of the accounts receivable bill is updated to a state of accounts receivable.
It can be understood that the bill model design is a premise for realizing the status transfer and the life cycle of accounts receivable bills, and the account receivable bill model based on the block chain not only needs to meet the requirement of chaining digital asset information, embody the real financing business process of a warranty pool, but also needs to accurately represent the status and the current attribution of accounts receivable bills in the life cycle. Thus, the accounts receivable ticket model in the present invention includes the following: payer, enterprise information, document number, payee, transaction content, amount due for receipt, payment date, delivery voucher, warrant, service number of warrant pool, warrant content, cash rate, cash amount, total cash amount, transfer voucher, current holder, remaining due days, life cycle status. Wherein, the payer refers to a buyer in the transaction, namely a supply chain downstream enterprise; the enterprise information refers to enterprise information required to be provided by the buyer enterprise; the receipt number is the number of the receivable bill and is determined according to the times of generating receivable accounts by the buyer; the payee is the seller or the reseller who receives the accounts receivable, and this field is in agreement with the current holder field of the accounts receivable; the transaction content is a trade contract which is achieved by the buyer and the seller; the receivable amount is the amount that the buyer should pay in order to redeem the receivable note; the payment date is the date agreed by the buyer to pay accounts receivable; the delivery voucher is a voucher provided by the seller to the buyer and indicating that delivery has been made, and is generally a shipping contract; the policy holder provides a mechanism for financing the policy pool for accounts receivable, and accounts receivable without entering the policy pool do not fill the field; the service number of the insurance keeping pool is a uniform number owned by all accounts receivable in the same insurance keeping pool financing service, and accounts receivable not entering the insurance keeping pool do not fill in the field; the insurance policy content is the insurance policy agreement and the debt right transfer agreement between the seller and the insurance manager, and the field is not filled with the account receivable payment which does not enter the insurance policy pool; the discount rate is the discount rate of accounts receivable given by the warranty provider, and accounts receivable not entering the warranty pool do not fill in the field; the cash-out amount is the cash-out amount of the receivable accounts, and the receivable accounts which do not enter the insurance keeping pool do not fill in the field; the total cash withdrawal amount is the total amount of all accounts receivable cash withdrawals financed by the insurance policy pool, whether the amount of the field is the same as that of the cash withdrawal amount field of the bill depends on whether the cash withdrawal of a plurality of accounts receivable is carried out at the same time, and the accounts receivable not entering the insurance policy pool do not fill the field; the transfer certificate is a transfer record which is provided by a buyer to a seller, a policyholder to the seller, mutually provided among the policyholder and provided by the buyer to the policyholder and used for posting or cashing accounts receivable, and the field can contain a plurality of transfer certificates; the current holder is the current holder of accounts receivable; the remaining expiration days are the remaining days from the redemption of the receivable by the buyer; the lifecycle state is the state that accounts receivable are currently in their lifecycle. The accounts receivable bill is subjected to a payable state, a receivable state, a cash-out state and a failure state from production to cashing, so that a complete life cycle is formed, and meanwhile, the state transition is deduced by several actions of generation, transaction, deposit and repayment, for example, the accounts receivable bill generated by a buyer is in the payable state; after the buyer and the seller reach the transaction, the accounts receivable bill held by the seller is in the state of accounts receivable; is posted by the seller and accounts receivable tickets transferred between the warranty providers are in a posted state; after the buyer repays the deposit to the policy holder, the recovered accounts receivable bill is in a failure state. The two fields of the payer and the document number can uniquely identify the receivable bill, the specific state of the receivable bill can be determined through the two fields of the current holder and the life cycle state, the rest fields are expressed in different aspects corresponding to the attribute of the receivable bill, and digital conversion of the receivable bill is realized through the bill model.
Wherein, the accounts receivable bill model specifically adopts the following formula to calculate the cash-out amount:
Figure BDA0003196135110000091
where F denotes the cash deposit amount, a denotes the receivable amount, T denotes the remaining number of days to which accounts are to be due, B denotes the cash deposit rate, and B ═ F (r)f，rr，t,rB)，rfIndicates no risk interest, rrRepresenting the reproduction rate, t representing the posting period, rBRepresenting buyer credit risk interest rates based on blockchain.
The receivable account cash registering is a key link for fund withdrawal of sellers in the financing business of the insurance policy pool, and the default risk of the buyers is taken as an important calculation index and can be incorporated into a pricing model of the cash registering rate. In the block chain-based warranty pool financing method, the enterprise information, the transaction content and other key information of the buyer enterprise are accurately and irrevocably recorded in the receivable bill model, and the use of the intelligent contract technology also ensures the automatic execution of the receivable cash redemption, so that the default risk of the buyer enterprise and the investment risk of a warranty are greatly reduced, meanwhile, the liquidity of the receivable cash is relatively enhanced, and the discount rate is comprehensively evaluated by adopting four indexes of risk-free rate, reappearance rate, discount period and buyer credit risk rate, and the pricing of the discount rate is more reasonable and fair.
In addition, it can be understood that the block chain account book of the block chain is optimally designed based on the financing service of the insurance pool, and the block chain account book comprises two components: world state and blockchain. The world state is a database which is used for storing a set of current states of the accounts, namely the condition that all the accounts hold accounts which should be charged; and the blockchain is a transaction log that records all changes that contribute to the current world state, i.e., the flow records of accounts receivable between all accounts. Transactions recorded in the blockchain change the state of certain accounts, and thus change the world state of the ledger.
It can be understood that, as shown in fig. 3, the step S3 specifically includes the following steps:
step S31: the seller node verifies the signature of the buyer node and confirms the transaction content and the receivable amount in the receivable bill, then delivers the transaction content and the receivable amount to the buyer node, and uploads the consignment contract signature to the Oracle node;
step S32: the Oracle node verifies the consignment contract uploaded by the seller node, the seller node fills in a delivery certificate field in the bill of the receivable account by using the consignment contract which passes the verification of the Oracle node, and the delivery certificate field is signed and then issued to the block chain;
step S33: the buyer node verifies the signature of the seller node and confirms a delivery voucher field in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, the receivable bill is issued into the block chain, the first intelligent contract updates the content in the receivable bill according to the shipping contract, the receivable bill is transferred to the seller node, and the life cycle state of the receivable bill is updated to be in a receivable state.
It can be understood that, as shown in fig. 4, the step S4 specifically includes the following steps:
step S41: the seller node and the policy holder node reach a policy agreement and a liability assignment agreement, and the seller node signs one or more accounts receivable bills and then issues the bills into the block chain;
step S42: the policy holder node verifies the signature and content of the seller node in all accounts receivable bills, transfers the accounts to the seller node, and uploads the transfer record signature to the Oracle node;
step S43: the Oracle node verifies the warranty agreement, the bond transfer agreement and the transfer record, and the warranty provider node fills corresponding contents in the receivable account bill by using the warranty agreement, the bond transfer agreement and the transfer record which pass the Oracle verification, signs and then issues the signed contents to the block chain;
step S44: the seller node verifies the signature of the policy holder node and the related content in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, and the signature is issued to the block chain, the first intelligent contract updates the content in the receivable bill according to the transfer certificate between the policy holder node and the seller node, transfers the receivable bill to the policy holder node, and updates the life cycle state of the receivable bill to a closed state.
It can be understood that, as shown in fig. 5, the step S5 specifically includes the following steps:
step S51: the policy holder node executes a second intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the signed receivable account bill to the block chain;
step S52: the buyer node verifies the signature of the policy holder node in the receivable account bill, transfers the account to the policy holder node, and uploads the account transfer record signature to the Oracle node;
step S53: the Oracle node verifies the transfer record, the buyer node fills the transfer certificate field in the receivable bill by using the transfer record passing the Oracle node verification, and the transfer certificate field is signed and then issued to the block chain;
step S54: the policy holder node verifies the signature of the buyer node and the transfer voucher field in the receivable bill, the signature is signed on the receivable bill after the verification is passed, the signature is issued to the block chain, the second intelligent contract updates the content in the receivable bill according to the transfer voucher between the buyer node and the policy holder node, the receivable bill is transferred to the buyer node, and the life cycle state of the receivable bill is updated to be in a failure state.
In addition, as shown in fig. 6, another embodiment of the present invention further provides a block chain-based insurance pool financing system, which preferably adopts the block chain-based insurance pool financing method described above, and the system includes:
the identity verification module is used for enabling the buyer node to send the enterprise information to the Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;
the trade management module is used for enabling the buyer node to execute a first intelligent contract for generating an accounts receivable bill on the block chain after the buyer node and the seller node reach a trade contract, the first intelligent contract generates the accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;
the consignment management module is used for the seller node and the buyer node to execute a goods consignment event, and the related information of the goods consignment event is issued to the block chain after signature confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and the life cycle state of the accounts receivable bill is updated to be a state to be received;
the financing management module is used for the seller node and the insurance manager node to execute the insurance pool financing event, and issues the related information signature of the insurance pool financing event to the block chain after the related information signature is confirmed, the first intelligent contract updates the receipt bill based on the uploaded related information of the insurance pool financing event, and updates the life cycle state of the receivable receipt bill to a state of being posted;
and the repayment management module is used for executing a second intelligent contract for cashing accounts receivable by the payers on the block chain by the payers node, executing a repayment event by the buyer node and the payers node, and uploading the signature of the relevant information of the repayment event to the block chain after confirming the signature, wherein the second intelligent contract updates the account receivable bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the account receivable bill to be a failure state.
It can be understood that, in the block chain-based insurance pool financing system of this embodiment, the intelligent contract technology based on the block chain realizes the automatic execution of the insurance pool financing service, improves the supply chain financing efficiency, reduces the manpower and material resource costs, reduces the financing risk of the insurance manager, and realizes more rapid, safe and reliable insurance pool financing. Moreover, the application of the block chain technology accurately records the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, and once a problem occurs in a transaction link, the source of the problem can be traced very easily, so that the transaction process can be monitored conveniently. More importantly, the life cycle state and the state transfer process of the receivable bills are reasonably designed, so that the digital cochain of the receivable bills is realized, the life cycle state of the receivable bills is continuously updated according to the progress of the financing business process of the insurance policy pool, the receivable bills are correspondingly transferred among all the nodes, the automatic transfer of the receivable bills in the block chain network is facilitated, the trust degree of all the nodes in the financing process is enhanced, and the financing efficiency is improved.
In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.
In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for performing a pool financing based on a blockchain, the computer program, when executed on a computer, performing the steps of the method as described above.
Typical forms of computer-readable storage media include: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any of its magnetic media, CD-ROM, any of the other optical media, punch cards (punch cards), paper tape (paper tape), any of the other physical media with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any of the other memory chips or cartridges, or any of the other media from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (10)

1.一种基于区块链的保理池融资方法，其特征在于，包括以下内容：1. A blockchain-based factoring pool financing method, characterized in that, comprising the following content: 步骤S1：买方节点将企业信息发送至Oracle节点，Oracle节点验证企业信息为真后生成资信调查报告并用私钥签名，并发布到区块链中；Step S1: The buyer node sends the enterprise information to the Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs it with a private key, and publishes it to the blockchain; 步骤S2：买方节点和卖方节点达成贸易合同后，买方节点在区块链上执行用于生成应收账款票据的第一智能合约，第一智能合约基于买方节点上传的信息和预设的应收账款票据模型生成应收账款票据，将应收账款票据的生命周期状态更新为应付状态；Step S2: After the buyer node and the seller node reach a trade contract, the buyer node executes the first smart contract for generating accounts receivable bills on the blockchain. The first smart contract is based on the information uploaded by the buyer node and the preset application. The accounts receivable bill model generates accounts receivable bills, and updates the life cycle status of accounts receivable bills to payable status; 步骤S3：卖方节点与买方节点执行货物托运事件，并将货物托运事件的相关信息签名确认后发布到区块链中，第一智能合约基于上传的货物托运事件的相关信息对生成的应收账款票据进行更新，将应收账款票据的生命周期状态更新为应收状态；Step S3: The seller node and the buyer node execute the cargo consignment event, and sign and confirm the relevant information of the cargo consignment event and publish it to the blockchain. The first smart contract generates an account receivable based on the uploaded relevant information of the cargo consignment event. Update the accounts receivable notes, and update the life cycle status of the accounts receivable notes to the receivable status; 步骤S4：卖方节点与保理商节点执行保理池融资事件，并将保理池融资事件的相关信息签名确认后发布到区块链中，第一智能合约基于上传的保理池融资事件的相关信息对应收账款票据进行更新，将应收账款票据的生命周期状态更新为贴现状态；Step S4: The seller node and the factoring node execute the factoring pool financing event, and sign and confirm the relevant information of the factoring pool financing event and publish it to the blockchain. The first smart contract is based on the uploaded factoring pool financing event. The relevant information is to update the accounts receivable notes, and update the life cycle status of the accounts receivable notes to the discounted status; 步骤S5：保理商节点在区块链上执行用于兑现应收账款的第二智能合约，买方节点与保理商节点执行还款事件，并将还款事件的相关信息签名确认后上传至区块链，第二智能合约基于上传的还款事件的相关信息对应收账款票据进行更新，将应收账款票据的生命周期状态更新为失效状态。Step S5: the factoring node executes the second smart contract for cashing the accounts receivable on the blockchain, the buyer node and the factoring node execute the repayment event, and upload the relevant information of the repayment event after signature confirmation To the blockchain, the second smart contract updates the accounts receivable bill based on the uploaded relevant information of the repayment event, and updates the life cycle status of the accounts receivable bill to an invalid state. 2.如权利要求1所述的基于区块链的保理池融资方法，其特征在于，所述应收账款票据模型包括以下内容：付款人、企业信息、单据编号、收款人、交易内容、应收金额、付款日期、交货凭证、保理商、保理池业务编号、保理内容、贴现率、贴现金额、总贴现金额、转账凭证、当前持有人、剩余到期天数、生命周期状态。2. The blockchain-based factoring pool financing method according to claim 1, wherein the accounts receivable bill model includes the following contents: payer, enterprise information, document number, payee, transaction Contents, Amount Receivable, Payment Date, Delivery Document, Factoring Agent, Factoring Pool Business Number, Factoring Content, Discount Rate, Discount Amount, Total Discount Amount, Transfer Voucher, Current Holder, Remaining Days to Expiry, Lifecycle state. 3.如权利要求2所述的基于区块链的保理池融资方法，其特征在于，所述步骤S2具体包括以下内容：3. The blockchain-based factoring pool financing method according to claim 2, wherein the step S2 specifically includes the following content: 买方节点与卖方节点达成贸易合同后，买方节点将经过Oracle节点验证通过的企业信息、贸易合同用私钥签名后发布到区块链中，第一智能合约被触发后根据买方节点上传的企业信息、贸易合同和预设的应收账款票据模型生成应收账款票据，将应收账款票据的生命周期状态更新为应付状态。After the buyer node and the seller node reach a trade contract, the buyer node will publish the enterprise information verified by the Oracle node and the trade contract signed with the private key to the blockchain. After the first smart contract is triggered, it will be based on the enterprise information uploaded by the buyer node. , trade contracts, and preset accounts receivable note models to generate accounts receivable notes, updating the life cycle status of accounts receivable notes to payable status. 4.如权利要求3所述的基于区块链的保理池融资方法，其特征在于，所述步骤S3具体包括以下内容：4. The blockchain-based factoring pool financing method according to claim 3, wherein the step S3 specifically includes the following content: 步骤S31：卖方节点验证买方节点的签名以及确认应收账款票据中的交易内容和应收金额后，向买方节点发货，并将托运合同签名后上传至Oracle节点；Step S31: After the seller node verifies the signature of the buyer node and confirms the transaction content and the receivable amount in the accounts receivable bill, it delivers the goods to the buyer node, and signs the consignment contract and uploads it to the Oracle node; 步骤S32：Oracle节点对卖方节点上传的托运合同进行验证，卖方节点利用经Oracle节点验证通过的托运合同填写应收账款票据中的发货凭证字段，签名后发布到区块链中；Step S32: The Oracle node verifies the consignment contract uploaded by the seller node, and the seller node fills in the delivery voucher field in the accounts receivable bill with the consignment contract verified by the Oracle node, and publishes it to the blockchain after signing; 步骤S33：买方节点验证卖方节点的签名和确认应收账款票据中的发货凭证字段，验证通过后在应收账款票据上进行签名，并发布到区块链中，第一智能合约根据托运合同对应收账款票据中的内容进行更新，将应收账款票据转移到卖方节点，并将应收账款票据的生命周期状态更新为应收状态。Step S33: The buyer node verifies the signature of the seller node and confirms the delivery voucher field in the accounts receivable bill. After the verification is passed, it signs the accounts receivable bill and publishes it to the blockchain. The first smart contract is based on The consignment contract updates the contents of the accounts receivable notes, transfers the accounts receivable notes to the seller node, and updates the life cycle status of the accounts receivable notes to the receivable status. 5.如权利要求4所述的基于区块链的保理池融资方法，其特征在于，所述步骤S4具体包括以下内容：5. The blockchain-based factoring pool financing method according to claim 4, wherein the step S4 specifically includes the following content: 步骤S41：卖方节点与保理商节点达成保理协议与债权转让协议，卖方节点将一张或者多张应收账款票据签名后发布到区块链中；Step S41: The seller node and the factoring business node reach a factoring agreement and a creditor's rights transfer agreement, and the seller node signs one or more accounts receivable bills and publishes them in the blockchain; 步骤S42：保理商节点验证全部应收账款票据中卖方节点的签名与内容后向卖方节点转账，并将转账记录签名后上传至Oracle节点；Step S42: the factoring business node verifies the signature and content of the seller node in all accounts receivable bills, transfers the money to the seller node, and signs the transfer record and uploads it to the Oracle node; 步骤S43：Oracle节点对保理协议、债权转让协议和转账记录进行验证，保理商节点利用经Oracle验证通过的保理协议、债券转让协议及转账记录填写应收账款票据中的相应内容，进行签名后发布到区块链中；Step S43: The Oracle node verifies the factoring agreement, the creditor's rights transfer agreement and the transfer record, and the factoring agent node fills in the corresponding content in the accounts receivable bill using the factoring agreement, the bond transfer agreement and the transfer record verified by the Oracle, After signing and publishing to the blockchain; 步骤S44：卖方节点验证保理商节点的签名与应收账款票据中的相关内容，验证通过后在应收账款票据上进行签名，并发布到区块链中，第一智能合约根据保理商节点和卖方节点之间的转账凭证对应收账款票据中的内容进行更新，将应收账款票据转移到保理商节点，并将应收账款票据的生命周期状态更新为贴现状态。Step S44: The seller node verifies the signature of the factoring node and the relevant content in the accounts receivable bill. After the verification is passed, it signs the accounts receivable bill and publishes it to the blockchain. The first smart contract is based on the guarantee. The transfer voucher between the dealer node and the seller node updates the content in the accounts receivable bill, transfers the accounts receivable bill to the factoring node, and updates the life cycle status of the accounts receivable bill to the discounted status . 6.如权利要求5所述的基于区块链的保理池融资方法，其特征在于，所述步骤S5具体包括以下内容：6. The blockchain-based factoring pool financing method according to claim 5, wherein the step S5 specifically includes the following content: 步骤S51：保理商节点执行用于兑现应收账款的第二智能合约，将应收账款票据签名后发布到区块链中；Step S51: the factoring business node executes the second smart contract for cashing the accounts receivable, and signs the accounts receivable bill and publishes it to the blockchain; 步骤S52：买方节点验证应收账款票据中保理商节点的签名后向保理商节点转账，并将转账记录签名后上传至Oracle节点；Step S52: the buyer node verifies the signature of the factoring business node in the accounts receivable bill and transfers money to the factoring business node, and signs the transfer record and uploads it to the Oracle node; 步骤S53：Oracle节点对转账记录进行验证，买方节点利用经Oracle节点验证通过的转账记录填写应收账款票据中的转账凭证字段，签名后发布到区块链中；Step S53: the Oracle node verifies the transfer record, and the buyer node fills in the transfer voucher field in the accounts receivable bill using the transfer record verified by the Oracle node, and signs it and publishes it to the blockchain; 步骤S54：保理商节点验证买方节点的签名与应收账款票据中的转账凭证字段，验证通过后在应收账款票据上签名，并发布到区块链中，第二智能合约根据买方节点和保理商节点之间的转账凭证对应收账款票据中的内容进行更新，将应收账款票据转移到买方节点，并将应收账款票据的生命周期状态更新为失效状态。Step S54: The factoring node verifies the signature of the buyer's node and the transfer voucher field in the accounts receivable bill. After the verification is passed, it signs the accounts receivable bill and publishes it to the blockchain. The second smart contract is based on the buyer's account. The transfer voucher between the node and the factoring node updates the content in the accounts receivable bill, transfers the accounts receivable bill to the buyer node, and updates the life cycle status of the accounts receivable bill to an invalid state. 7.如权利要求2所述的基于区块链的保理池融资方法，其特征在于，所述应收账款票据模型采用以下公式计算贴现金额：7. The blockchain-based factoring pool financing method according to claim 2, wherein the accounts receivable bill model adopts the following formula to calculate the discount amount:
Figure FDA0003196135100000031
Figure FDA0003196135100000031
 其中，F表示贴现金额，A表示应收金额，T表示应收账款的剩余到期天数，B表示贴现率，B＝f(rf，rr，t,rB)，rf表示无风险利率，rr表示再贴现率，t表示贴现期，rB表示基于区块链的买方信用风险利率。Among them, F represents the discounted amount, A represents the receivable amount, T represents the remaining maturity days of the accounts receivable, B represents the discount rate, B=f(r f , r r , t, r B ), r f represents no Risk rate, r r represents the rediscount rate, t represents the discount period, and r B represents the blockchain-based buyer's credit risk rate. 8.一种基于区块链的保理池融资系统，其特征在于，包括：8. A blockchain-based factoring pool financing system, comprising: 身份验证模块，用于供买方节点将企业信息发送至Oracle节点，Oracle节点验证企业信息为真后生成资信调查报告并用私钥签名，并发布到区块链中；The identity verification module is used for the buyer node to send the enterprise information to the Oracle node. After the Oracle node verifies that the enterprise information is true, it generates a credit investigation report, signs it with a private key, and publishes it to the blockchain; 贸易管理模块，用于在买方节点和卖方节点达成贸易合同后，供买方节点在区块链上执行用于生成应收账款票据的第一智能合约，第一智能合约基于买方节点上传的信息和预设的应收账款票据模型生成应收账款票据，将应收账款票据的生命周期状态更新为应付状态；The trade management module is used for the buyer node to execute the first smart contract for generating accounts receivable bills on the blockchain after the buyer node and the seller node reach a trade contract. The first smart contract is based on the information uploaded by the buyer node Generate accounts receivable notes with the preset accounts receivable note model, and update the life cycle status of the accounts receivable notes to the payable status; 托运管理模块，用于供卖方节点与买方节点执行货物托运事件，并将货物托运事件的相关信息签名确认后发布到区块链中，第一智能合约基于上传的货物托运事件的相关信息对生成的应收账款票据进行更新，将应收账款票据的生命周期状态更新为应收状态；The consignment management module is used for the seller's node and the buyer's node to execute the cargo consignment event, and the related information of the cargo consignment event is signed and confirmed and released to the blockchain. The first smart contract is based on the uploaded information about the cargo consignment event. The accounts receivable notes are updated, and the life cycle status of the accounts receivable notes is updated to the receivable status; 融资管理模块，用于供卖方节点与保理商节点执行保理池融资事件，并将保理池融资事件的相关信息签名确认后发布到区块链中，第一智能合约基于上传的保理池融资事件的相关信息对应收账款票据进行更新，将应收账款票据的生命周期状态更新为贴现状态；The financing management module is used for the seller node and the factoring node to execute the factoring pool financing event, and sign and confirm the relevant information of the factoring pool financing event and publish it to the blockchain. The first smart contract is based on the uploaded factoring. The relevant information of the pool financing event will update the accounts receivable notes, and update the life cycle status of the accounts receivable notes to the discounted status; 还款管理模块，用于供保理商节点在区块链上执行用于兑现应收账款的第二智能合约，买方节点与保理商节点执行还款事件，并将还款事件的相关信息签名确认后上传至区块链，第二智能合约基于上传的还款事件的相关信息对应收账款票据进行更新，将应收账款票据的生命周期状态更新为失效状态。The repayment management module is used for the factoring node to execute the second smart contract for cashing the accounts receivable on the blockchain, the buyer node and the factoring node execute the repayment event, and the related After the information is signed and confirmed, it is uploaded to the blockchain, and the second smart contract updates the accounts receivable bill based on the uploaded information about the repayment event, and updates the life cycle status of the accounts receivable bill to an invalid state. 9.一种设备，其特征在于，包括处理器和存储器，所述存储器中存储有计算机程序，所述处理器通过调用所述存储器中存储的所述计算机程序，用于执行如权利要求1～7任一项所述的方法的步骤。9. A device, characterized by comprising a processor and a memory, wherein a computer program is stored in the memory, and the processor is used to execute the computer program according to claim 1 by calling the computer program stored in the memory. 7 the steps of any one of the methods. 10.一种计算机可读取的存储介质，用于存储基于区块链进行保理池融资的计算机程序，其特征在于，所述计算机程序在计算机上运行时执行如权利要求1～7任一项所述的方法的步骤。10. A computer-readable storage medium for storing a computer program for factoring pool financing based on blockchain, wherein the computer program executes any one of claims 1 to 7 when running on a computer The steps of the method described in item.
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CN112767185A (en) * 2021-01-28 2021-05-07 湖南大学 Reverse warranty financing method and device based on block chain and storage medium
CN114155106A (en) * 2021-12-08 2022-03-08 中国建设银行股份有限公司 Blockchain-based financing methods, devices, equipment, media and program products
CN114897527A (en) * 2022-05-20 2022-08-12 西南交通大学 Authentication method for realizing commercial warranty claim value based on workload certification

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CN112767185A (en) * 2021-01-28 2021-05-07 湖南大学 Reverse warranty financing method and device based on block chain and storage medium

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Publication number Priority date Publication date Assignee Title
CN112767185A (en) * 2021-01-28 2021-05-07 湖南大学 Reverse warranty financing method and device based on block chain and storage medium
CN112767185B (en) * 2021-01-28 2024-06-07 湖南大学 Reverse warranty financing method, device and storage medium based on blockchain
CN114155106A (en) * 2021-12-08 2022-03-08 中国建设银行股份有限公司 Blockchain-based financing methods, devices, equipment, media and program products
CN114897527A (en) * 2022-05-20 2022-08-12 西南交通大学 Authentication method for realizing commercial warranty claim value based on workload certification
CN114897527B (en) * 2022-05-20 2023-03-14 西南交通大学 Authentication method for realizing commercial warranty claim value based on workload certification

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