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Acceptance bill management method based on block chain

A technology of acceptance bills and management methods, which is applied in the field of acceptance bill management based on blockchain, can solve problems such as illegal transactions, forgery by criminals, irregular operations, etc., to solve the problems of easy forgery, poor confidentiality, and privacy protection Effect

Active Publication Date: 2020-11-20
四川川投云链科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, the traditional bank acceptance bills mainly have the following problems: First, the bills are easy to be forged
The production cost of bank acceptance bills is low, and it is easy to be forged by lawbreakers and defrauded in the bill market; the second is the timeliness of bank acceptance bill transactions
The transaction cycle of bank acceptance bills is relatively long, and there are problems such as the issue that the drawer cannot transfer the money on time; the third is the problem of illegal transactions
Regulatory units cannot monitor bank acceptance bills in real time, and illegal transactions cannot be discovered in time; the fourth is the issue of discontinuous endorsement
Due to the irregular operation of bank acceptance bills, there is a problem of discontinuous endorsement; the fifth is the problem of high resource consumption
The management cost of the bank acceptance draft by the supervisory unit is relatively high, which consumes relatively high resources
[0003] At the same time, for the holders of acceptance bills, there are still the following risks, such as risks from the applicant itself, including business conditions, legal disputes, etc. Cashing in, causing losses to the bearer

Method used

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  • Acceptance bill management method based on block chain
  • Acceptance bill management method based on block chain
  • Acceptance bill management method based on block chain

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0039] Such as figure 1 As shown, a blockchain-based acceptance bill management method includes the following steps:

[0040] A block chain-based acceptance bill management method, comprising the following steps:

[0041] S1. Set up blockchain nodes, including applicant nodes, bearer nodes, payee nodes, payment bank nodes and People's Bank of China electronic commercial draft nodes;

[0042] S2. Each blockchain node writes the acceptance bill information into the ledger at the same time, and encrypts the ledger with the hash algorithm, and connects it with the block header of each node to form a bill blockchain;

[0043] S3. The note blockchain finds the hash value of the note that meets the conditions and serves as the leaf node of the Merkle tree;

[0044] S4, Merkle tree confirms all transaction records of the block;

[0045] S5. The applicant of the acceptance bill finds the hash value of the paying bank and assigns it to the smart bill contract of the acceptance bill. ...

Embodiment 2

[0056] The difference between this embodiment and Embodiment 1 is that the steps between step S1 and step S2 further include the following step: using secure multi-party computation to verify the identity of each node of the block chain.

[0057] In order to further solve the confidentiality problem of the bank acceptance bill business, based on the common encryption algorithm, the privacy protection of the ledger information of each node on the bill block chain is not enough. This embodiment uses the secure multi-party computing technology to apply to the block chain. 5 nodes in the blockchain for authentication. The purpose of using secure multi-party computing is to solve the problem that each user can cooperate to perform a certain computing task while protecting their private information in a mutually distrusted bill blockchain. Through secure multi-party calculation, the paying bank in the bill blockchain can announce the applicant's billing information to all nodes in t...

Embodiment 3

[0060] Although the openness of blockchain technology can solve the authenticity of bank acceptance bills well, it cannot verify the credit information of the drawer. This embodiment discloses a system and method for verifying the applicant's credit, which acquires applicant information, verifies the applicant's credit, provides risk judgment for the holder, and further reduces or avoids unnecessary losses of the holder.

[0061] The system for verifying the credit of an applicant includes:

[0062] The applicant information collection module is used to collect the relevant information of the applicant and record it in the database;

[0063] The applicant risk analysis module is used to give corresponding risk warnings based on the relevant information of the applicant;

[0064] The applicant's bank information collection and analysis module is used to collect the data of the applicant's main bank, and issue an abnormal risk warning to the applicant using a bill issued by a n...

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PUM

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Abstract

The invention discloses an acceptance bill management method based on a block chain. The method enables the block chain technology to be applied to bank acceptance bill business, and solves problems that a conventional bank acceptance bill business is liable to be counterfeited, is slow in transaction, achieves the illegal transaction, is discontinuous in endorsement, and is large in resource consumption. Meanwhile, secure multi-party computing technology is applied to the bank acceptance bill business, privacy protection of account book information of all nodes is guaranteed, and the problemthat traditional bank acceptance bill business is poor in confidentiality is solved. Meanwhile, applicant information is obtained, applicant credit is verified, risk judgment is provided for the ticket holder, and unnecessary loss of the ticket holder is further reduced or prevented.

Description

technical field [0001] The invention relates to the field of acceptance bills, in particular to a block chain-based method for managing acceptance bills. Background technique [0002] Bank acceptance bills refer to the draft business in which the payer draws a draft at its bank of account, with the bank as the payer, guaranteeing unconditional payment to the bearer on a specified date. Its business types include acceptance, endorsement transfer, discount, rediscount, rediscount, etc. At present, the traditional bank acceptance bills mainly have the following problems: First, the bills are easy to be forged. The production cost of bank acceptance bills is low, and it is easy to be forged by lawbreakers and defrauded in the bill market; the second is the timeliness of bank acceptance bill transactions. The transaction cycle of bank acceptance bills is relatively long, and there are problems such as the issue that the drawer cannot transfer money on time; the third is the pro...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/951G06F21/62G06K9/34G06Q40/04
CPCG06Q40/02G06Q40/04G06F16/951G06F21/6218G06V30/153
Inventor 封飞张亮张眙郡
Owner 四川川投云链科技有限公司
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