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Account receivable pledge factoring method, device and system based on alliance chain

An account receivable and alliance technology, applied in the information field, can solve problems such as inability to reduce performance risks and verification

Active Publication Date: 2020-05-19
SHANGHAI MUNICIPAL ELECTRIC POWER CO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, under the current domestic legal framework, in the core publicity link of accounts receivable financing, the registration agency does not verify the authenticity of the materials submitted by the parties, so it cannot reduce the risk in the process of performance

Method used

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  • Account receivable pledge factoring method, device and system based on alliance chain
  • Account receivable pledge factoring method, device and system based on alliance chain
  • Account receivable pledge factoring method, device and system based on alliance chain

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0055] Embodiment 1 provides an account receivable pledge factoring method based on the consortium chain, which is applied to the creditor node of the consortium chain, so that the creditor node can clarify the status of accounts receivable, and then provide for the formulation of a reasonable pledge factoring contract in accordance with.

[0056] Please note that the pledge and factoring of accounts receivable mentioned in this embodiment are two different business types; among them, the pledge is the business in which the debtor obtains a loan from the creditor with the accounts receivable as guarantee; factoring is The debtor transfers accounts receivable to the creditor, and obtains services such as financing from the factor. Since both pledge and factoring have the same participants, and the participants have the same business information flow mode, this embodiment uniformly adopts the accounts receivable pledge factoring method.

[0057] figure 1 It is a flow chart of ...

Embodiment 2

[0091] Embodiment 2 provides an account receivable pledge factoring method in the alliance chain, which is used for the secondary debtor node in the alliance chain. figure 2It is a flow chart of the consortium chain-based account receivable pledge factoring method provided in Embodiment 2. Such as figure 2 As shown, the pledge factoring method provided in this embodiment includes steps S201-S203.

[0092] S201: After receiving the inquiry information sent by the creditor node, extract the account receivable information in the inquiry information.

[0093] The aforementioned solicitation information is sent by the pledgee node, and the solicitation information is encrypted by the private key of the creditor node and the public key of the secondary debtor node. After receiving the inquiry information, the sub-debtor node uses its own private key and the public key of the creditor node to decrypt the inquiry information and obtain the accounts receivable information.

[0094...

Embodiment 3

[0113] Embodiment 3 also provides an account receivable pledge factoring method based on the alliance chain. The pledge factoring method provided in this embodiment includes a pledgee node, a debtor node, and a sub-debtor node. image 3 It is a flow chart of the alliance chain-based accounts receivable pledge factoring method provided in Embodiment 3. Such as image 3 As shown, the method provided by Embodiment 3 includes steps S301-S305.

[0114] S301: The creditor node uses the public key of the sub-debtor node and the private key of its own node to encrypt the inquiry information including accounts receivable information, and sends it to the sub-debtor node.

[0115] After receiving the financing demand sent by the debtor, the creditor node extracts the sub-obligor information and accounts receivable information in the financing demand. In order to verify the authenticity of the accounts receivable information, the creditor needs to send it to the sub-debtor node for veri...

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PUM

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Abstract

The invention provides an account receivable pledge factoring method, device and system based on an alliance chain. The method applied to the creditor node of the alliance chain comprises the following steps: acquiring secondary creditor node information and receivable account information provided by the creditor node; encrypting polling information including the receivable information by adoptingthe public key of the secondary debtor node and the private key of the secondary debtor node, and sending the polling information to the secondary debtor node; after receiving reply information generated by the secondary debtor node in response to the inquiry information, determining an account receivable state according to the reply information; and determining the content of a pledge factoringcontract according to the account receivable state and the credit state of the secondary debtor node, wherein the pledge factoring contract comprises account receivable information actually used for the pledge factoring. Through the method, receivable account information actually used for the pledge factoring in the pledge factoring contract can be determined.

Description

technical field [0001] The present invention relates to the field of information technology, in particular to an account receivable pledge financing method, device and system based on alliance chain. Background technique [0002] In business practice, accounts receivable may occupy a large amount of existing funds of the enterprise and cause a shortage of cash flow for the enterprise. In order to solve the problem of enterprises' cash flow shortage, financial institutions provide enterprises with financial tools such as financing or factoring based on the pledge of accounts receivable. [0003] The core premise of realizing accounts receivable pledge financing or factoring is to ensure the authenticity of the enterprise's accounts receivable and the authenticity of relevant materials. However, under the current domestic legal framework, in the core publicity link of accounts receivable financing, the registration agency does not verify the authenticity of the materials subm...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/06G06Q20/38
CPCG06Q20/065G06Q20/3829G06Q40/03Y02P90/30
Inventor 李海群陆煜
Owner SHANGHAI MUNICIPAL ELECTRIC POWER CO