Bank-enterprise cooperation account book sharing system and method based on block chain

A blockchain and ledger technology, applied in the blockchain field, can solve the problems of long and complex reconciliation process, multiple records, etc.

Pending Publication Date: 2021-08-17
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] This series of reconciliation process is lengthy and complicated. Due to communication failures, retries, operational errors, program loopholes, etc., errors such as misrecording, omission, re-recording, and over-recording of accounts are prone to occur.

Method used

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  • Bank-enterprise cooperation account book sharing system and method based on block chain
  • Bank-enterprise cooperation account book sharing system and method based on block chain
  • Bank-enterprise cooperation account book sharing system and method based on block chain

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Embodiment Construction

[0066] 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 persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0067] The embodiment of the present invention provides a ledger sharing system based on blockchain-based bank-enterprise cooperation to reduce the occurrence of reconciliation errors, such as figure 1 As shown in the example of , the ledger sharing system based on blockchain-based bank-enterprise cooperation includes: an enterprise node, at least one financial institution node and multiple merchant nodes to form an alliance chain. The consortium...

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PUM

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Abstract

The invention provides a bank-enterprise-cooperation account book sharing system and method based on a block chain. The system comprises an alliance chain composed of an enterprise node, at least one financial institution node and a plurality of merchant nodes, enterprise nodes are set, and enterprise employee welfare expected issuing data is uploaded to the alliance chain; merchant nodes are set, and welfare commodity transaction detail bill data is uploaded to the alliance chain; the financial institution node is set, and performs welfare issuing and welfare receiving comparison accounting to form an employee dimension transaction account book according to enterprise employee welfare expected issuing data and employee welfare receiving records; according to the welfare commodity purchase transaction record and the welfare commodity transaction detail bill data of each employee, account checking and clearing of the welfare commodity transaction detail bill of each merchant are carried out, and a transaction account book of the merchant dimension is formed. The alliance chain is constructed, the shared account book which is credible in three parties is established, data is open and transparent, and account checking errors are reduced. The system and the method are applied to the field of block chains.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a ledger sharing system and method for bank-enterprise cooperation based on block chains. Background technique [0002] The current social electronic payment system is very developed, financial transactions involve a variety of scenarios, and there are multiple participants, such as enterprises, merchants, banks, manufacturers, regulatory authorities, etc. The cooperation between banks and enterprises has always been very close. As a common business scenario in the connection between banks and enterprises, when enterprises distribute welfare amounts to employees and employees purchase welfare materials, the account movement records are recorded on the bank side, and the bank provides transaction information. Afterwards, reconciliation is carried out with individual employees and enterprises, and then reconciliation with the merchant side, and the payment settlement p...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/38G06Q20/40G06Q40/02
CPCG06Q20/102G06Q20/3829G06Q20/4014G06Q20/405G06Q40/02
Inventor 张芮陈若昱魏钰清张艳罗皓郑无寒
Owner BANK OF CHINA
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