Bank bill management method and device based on block chain

A technology of bank bills and management methods, applied in the field of blockchain, can solve the problems of difficult to effectively prevent and control credit risks, exchange, damage, etc.

Pending Publication Date: 2021-08-20
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] Due to their nature, paper bills or electronic bills have many risks such as loss, damage, and exchange during the circulation process. At the same time, due to the serious problem of information asymmetry, the review work is limited by many factors, making it difficult to effectively prevent and control credit risks. There will be some illegal operations, resulting in management risks

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  • Bank bill management method and device based on block chain
  • Bank bill management method and device based on block chain
  • Bank bill management method and device based on block chain

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Embodiment Construction

[0026] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the 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.

[0027] As mentioned above, the current bank bills are basically paper bills, which are easy to be damaged, lost, and exchanged, which can easily lead to problems such as information asymmetry, poor timeliness, and easy exchange. As a valuable certificate, bills always need the role of a "third party" to ensure the safety and reliability of both parties in the transaction. The bill intermediary is not conducive to information supervision and verification. At present, there are many participating institutions in the bill market, resulting in frequent risk events. Many b...

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Abstract

The invention discloses a bank bill management method and device based on a block chain, which can be used in the technical field of block chains, and the method comprises the steps: obtaining enterprise bill handling information, the enterprise bill handling information comprising credit granting information, bill surface information, enterprise information, a secret key and digital signature information; generating a corresponding digital bill according to the credit granting information and the bill surface information; recording business transaction information of the digital bill after business transaction; according to the secret key and the digital signature information, performing bill contract processing on the digital bill by using an intelligent contract algorithm to obtain contract transaction information; and storing the enterprise information, the digital bill, the business transaction information and the contract transaction information in each node of a block chain system, wherein each node of the block chain system shares storage content in a distributed manner. Bank bill management based on the block chain can be carried out, risks of loss, damage, exchange and the like in the circulation process are avoided, credit risks are effectively prevented and controlled, and the bank bill management efficiency is improved.

Description

technical field [0001] The present invention relates to the field of block chain technology, in particular to a method and device for managing bank bills based on block chain. Background technique [0002] At present, there are still many major risk events related to bank bills, involving a total of billions of yuan in risk funds, and the bill issue has become an important issue that needs to be resolved urgently. According to the content of the fine issued by the Supervisory Bureau, the main reason is the violation of the false bill business. The violations are mainly divided into two categories. The first category is to discount commercial bills without real trade background, and the second category is Issuing or processing bank acceptance bills and discounts without real trade background. The occurrence of bill incidents is caused by many factors, including collusion and fraud by bank staff, irregular operations, malicious fraud, and illegal operations of bill intermedia...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/04G06Q20/38G06Q20/40G06Q40/02
CPCG06Q20/3825G06Q20/3829G06Q20/4016G06Q40/03
Inventor 于娇陈冰龚孟旭
Owner BANK OF CHINA
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