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Debt chain processing method, device and system based on block chain

A technology for processing systems and triangular debts, applied in data processing applications, instruments, finance, etc., can solve problems such as poor collection effect and violence, and achieve the effect of speeding up the turnover rate of funds and improving the utilization rate of funds

Pending Publication Date: 2020-08-25
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] The embodiment of the present invention provides a block chain-based triangular debt processing method, device and system, which solves the technical problems of violent collection and poor collection effect caused by manual collection of accounts receivable and payable in the prior art

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  • Debt chain processing method, device and system based on block chain
  • Debt chain processing method, device and system based on block chain
  • Debt chain processing method, device and system based on block chain

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Embodiment Construction

[0047] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0048] In the embodiment of the present invention, a blockchain-based triangular debt processing system is provided, such as figure 1 As shown, the system includes: a matching node and multiple triangular debt nodes, and multiple triangular debt nodes and matching nodes form a blockchain network;

[0049] The plurality of triangular debt nodes are used to: upload the debt claim information (that is, accounts receivable and payable) to the matching...

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Abstract

The invention provides a debt chain processing method, device and system based on a block chain. The system comprises a plurality of debt chain nodes used for uploading debt and creditor's right information to a matching node, returning confirmation information to the matching node according to the debt and creditor's right counteracting list, performing corresponding payment transaction accordingto the debt and creditor's right counteracting list, generating debt clearing information, and returning the debt clearing information to the matching node; and the matching node is used for performing debt and creditor's right counteracting matching according to the debt and creditor's right information corresponding to the plurality of debt nodes, finding a collection cycle chain among the plurality of debt nodes, generating a debt and creditor's right counteracting list according to the collection cycle chain among the plurality of debt chain nodes, and sending the debt and creditor's right counteracting list to the corresponding debt chain nodes. According to the scheme, the impulsion of the matched debt is automatically completed based on the blockchain, and the fund utilization rateis improved.

Description

technical field [0001] The present invention relates to the technical field of triangular debt processing, in particular to a blockchain-based triangular debt processing method, device and system. Background technique [0002] At present, there are many companies and individuals who have triangular debts. Triangular debts are the money owed by A to B, the money owed by B to C, and the money owed by C to A. The formation of triangular debt by 3 or more personnel can cause the problems of low capital turnover rate and long receivables recovery cycle. Some enterprises have a large financial burden due to large receivables and payables, and are even forced to bankruptcy. For triangular debts, accounts receivable and payable are currently collected manually. Without knowing the financial status of the other party, it is easy to violently collect, or renege on the debt, or the debtee also wants to collect the arrears from others. It makes the collection effect not good. Conten...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/00
CPCG06Q40/04G06Q40/125
Inventor 李增兴李昀
Owner BANK OF CHINA