Electronic commercial acceptance bill financing method and device based on block chain architecture

A technology for electronic commerce and acceptance bills, which is applied in the field of data processing and can solve the problems of limited financing business of electronic commerce acceptance bills, low degree of credit, and low efficiency.

Pending Publication Date: 2020-08-14
大宇(深圳)新动能产业投资有限公司
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  • Application Information

AI Technical Summary

Problems solved by technology

[0007] To sum up, the existing electronic commercial acceptance bill financing scheme has a low degree of credit and low efficiency, which has limited the financing business of electronic commercial acceptance bills

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  • Electronic commercial acceptance bill financing method and device based on block chain architecture
  • Electronic commercial acceptance bill financing method and device based on block chain architecture
  • Electronic commercial acceptance bill financing method and device based on block chain architecture

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Embodiment Construction

[0044] 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.

[0045] 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 Nak...

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Abstract

The invention provides an electronic commercial acceptance bill financing method and device based on a block chain architecture. The method comprises the steps that: a developer node adds a constructed service agreement block of a financing service platform to a block chain, and a presale fund supervision bank node adds a constructed developer supervision account fund balance block to the block chain; the developer node adds a constructed contract block with an upstream enterprise into the block chain; the developer node adds a constructed electronic commercial acceptance bill block issued according to the supervision account balance into the block chain; an upstream enterprise node constructs an application electronic commercial acceptance bill financing block according to financing requirements, and adds the application electronic commercial acceptance bill financing block into the block chain; a financing service platform node performs risk assessment on an electronic commercial acceptance bill financing request, and adds a constructed financing risk assessment result information block into the block chain; and a fund party 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. The above technical scheme improves the security and efficiency of electronic commercial acceptance bill financing, is beneficial to commercial credit billing, and greatly promotes the development of bill market business.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a method and device for financing electronic commercial acceptance bills based on blockchain architecture. Background technique [0002] The revenue, expenditure, and use of pre-sale funds for commercial housing are strictly regulated by laws and regulations. Developers can only apply for withdrawal of funds from regulatory accounts for construction-related funds in accordance with regulatory requirements in accordance with the progress of construction projects and retention ratios. It is easy for developers to pre-sale funds. Periodic precipitation occurs and the use efficiency is low, which increases the financing cost of the enterprise and affects the construction progress. [0003] According to the electronic commercial acceptance draft financing issued by the balance of the commercial house pre-sale capital account, the present invention uses the Internet and...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q40/02G06Q40/06G06Q50/08
CPCG06Q20/389G06Q40/02G06Q40/06G06Q50/08
Inventor 焦飏陆俊相
Owner 大宇(深圳)新动能产业投资有限公司
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