Consortium chain-based digital bill trading system construction method

Abstract

The invention discloses a consortium chain-based digital bill trading system construction method, which develops a brand-new bill display form, namely, a digital bill in combination with existing bill attributes, laws and regulations and market by taking a consortium chain as technical support. Compared with an existing electronic bill, the digital bill is totally different from the electronic bill in technical framework, not only has all functions and advantages of the electronic bill but also fuses the advantages of a block chain technology, and is a securer, more intelligent, more convenient and more promising bill form. In addition, the block chain technology is applied to the field of bill businesses for the first time; a unified standard bill trading platform is established; the problems of trade background forgery, bill authenticity authentication failure, paper bill multi-time selling, non-synchronous electronic bill discounting and bill endorsing, and the like are solved; and various risks are effectively managed, controlled and prevented.

Description

technical field [0001] The invention belongs to the technical field of bill transaction systems, and in particular relates to a method for constructing a digital bill transaction system based on an alliance chain. Background technique [0002] A bill is a credit instrument used to reflect the occurrence, transfer and repayment of creditor's rights and debts in currency or commodity flows, and can be used for payment settlement in trade and short-term financing for enterprises. On the one hand, bill acceptance can facilitate payment and settlement for enterprises; on the other hand, transaction methods represented by bill endorsement transfer and discount can provide convenient financing channels for the real economy, especially small and medium-sized enterprises. Through previous empirical data analysis, it is found that there is a significant positive correlation between bill acceptance balance, acceptance volume, and discount volume and real economic indicators. It can be ...

AI Technical Summary

Problems solved by technology

The ECDS system suppresses operational risks such as fraud and forgery in the paper ticket business to a certain extent, but it also has some serious problems

First, the system access cost is high and the access conditions are strict. The access parties are mainly state-owned banks, joint-stock commercial banks, large city commercial banks and large financial companies, etc., and it is difficult for small and medium-sized enterprises to enter; second, ECDS is a centralized system. Not only is the cost of operation and optimization high, but it is also vulnerable to attacks, data can be tampered with, and system security and reliability are low; third, reconciliation work is cumbersome and regulatory costs are high; fourth, transaction information is made public, and business privacy is easy to leak

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