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Account receivable pledge financing method and device based on block chain architecture

A technology of accounts receivable and blockchain, applied in the field of data processing, can solve the problems of restricted financing business of accounts receivable pledge, low efficiency and low security

Pending Publication Date: 2020-01-31
CITIC PHOENIX HARBOR SUPPLY CHAIN MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] To sum up, the existing accounts receivable pledge financing scheme has low security and low efficiency, resulting in limited accounts receivable pledge financing business

Method used

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  • Account receivable pledge financing method and device based on block chain architecture
  • Account receivable pledge financing method and device based on block chain architecture
  • Account receivable pledge financing method and device based on block chain architecture

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Embodiment Construction

[0031] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with the embodiments and accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

[0032]The inventors found that: as an integrated application of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and other technologies, the blockchain is considered to be a subversive innovation in computing models after mainframes, personal computers, and the Internet, and it is likely to be popular in the world. The scope has caused a new technological innovation and industrial transformation. Blockchain technology originated from the groundbreaking paper "Bitcoin A Peer-to-Peer Electronic Cash System" published by a scholar named "Satoshi Naka...

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Abstract

The invention provides an account receivable pledge financing method and device based on a block chain architecture, and the method comprises the steps that a purchaser node or a supplier node adds aconstructed supply agreement block into a block chain; the supplier node adds the constructed dispatch list block into a block chain; the logistics institution node adds the constructed carrier list block into a block chain, and adds the constructed position information track block into the block chain; the purchaser node adds the constructed receipt block into a block chain; the supplier node adds the constructed application evaluation information block into a block chain; the financing collaboration platform node performs financing risk assessment on the receivable pledge financing request,and adds the constructed financing risk assessment result information block into the block chain; and the fund provider node performs financing evaluation, and adds the constructed financing result information block into the block chain. According to the technical scheme, the safety and efficiency of receivable pledge financing are improved, and the development of receivable pledge financing business is greatly promoted.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a method and device for pledge financing of accounts receivable based on blockchain architecture. Background technique [0002] Accounts receivable pledge financing refers to the short-term financing in which the enterprise pledges its legally owned accounts receivable to the bank as a guarantee for repayment, but the bank does not assume any debts of the enterprise under the accounts receivable. During the loan period, the discounted pledged accounts receivable shall not be lower than the loan balance (total of loan principal and interest). When the discounted pledged accounts receivable is less than the loan balance during the loan period, the enterprise shall supplement and replace it with new qualified accounts receivable according to the requirements of the bank. After the debt guaranteed by the pledge of accounts receivable expires, if the pledgor (enterpri...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 王海英朱大鹏梁辉王奇李硕
Owner CITIC PHOENIX HARBOR SUPPLY CHAIN MANAGEMENT CO LTD
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