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Factoring and financing method and device based on block chain architecture

A blockchain and block technology, applied in the field of factoring financing based on the blockchain architecture, can solve the problems of low efficiency, low security of factoring financing solutions, and limited factoring financing business.

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

AI Technical Summary

Problems solved by technology

[0005] To sum up, the existing factoring financing scheme is low in security and efficiency, which leads to the limitation of factoring financing business

Method used

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  • Factoring and financing method and device based on block chain architecture
  • Factoring and financing method and device based on block chain architecture
  • Factoring and financing method and device based on block chain architecture

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Embodiment Construction

[0030] 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.

[0031]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 a factoring and 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 a constructed 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 factoring financing request, and adds a constructed financing risk assessment result information block into a block chain; and the fund provider node performs financing assessment according to the financing risk assessment result information block, and adds the constructed financing result information block into the block chain. According to the technical scheme, the security and efficiency of factoring and financing are improved, and the development of factoring and financing services is greatly promoted.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a factoring financing method and device based on a block chain architecture. Background technique [0002] Factoring refers to the fact that the seller applies for the factoring bank or commercial factoring company to purchase the accounts receivable between him and the buyer due to the credit sales of goods, that is, the seller transfers the legally owned accounts receivable The act of obtaining financing by giving to a factoring bank or a commercial factoring company. Divided into two types: with recourse and without recourse. Factoring financing with recourse means that when the payer of the accounts receivable fails to pay when it is due, the bank or factoring company has the right to ask the applicant for factoring financing (sales) in addition to recourse to the payer of the accounts receivable non-recourse factoring financing means that when the account r...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
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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