Method and system for financing account receivable pool based on block chain, equipment and storage medium

A technology of accounts receivable and blockchain, applied in the field of blockchain, to achieve the effect of reducing offline confirmation costs, convenient and reliable financing process, and guaranteeing rights and interests

Pending Publication Date: 2021-11-19
HUNAN UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0007] The present invention provides a method, system, equipment, and computer-readable storage medium for accounts receivable pool financing based on blockchain, so as to solve the above-mentioned shortcomings in the existing accounts receivable pool financing mode

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  • Method and system for financing account receivable pool based on block chain, equipment and storage medium
  • Method and system for financing account receivable pool based on block chain, equipment and storage medium
  • Method and system for financing account receivable pool based on block chain, equipment and storage medium

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Embodiment Construction

[0068] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in various ways defined and covered below.

[0069] Such as figure 1 As shown, the preferred embodiment of the present invention provides a method for financing accounts receivable pool based on blockchain, including the following:

[0070] Step S1: The supplier node deploys the transaction contract on the blockchain, and the downstream enterprise node verifies the transaction contract and confirms the signature;

[0071] Step S2: The supplier node deploys the accounts receivable pool financing application on the blockchain, and the financing bank node evaluates the credit status of the supplier node and downstream enterprise nodes. After the evaluation results meet the requirements, the financing bank node and the supplier The node signs the accounts receivable pool business contract, and both parties sign...

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Abstract

The invention discloses a method and system for financing an account receivable pool based on a block chain, equipment and a storage medium, and the method makes full use of a distributed account book technology, an asymmetric encryption technology, an intelligent contract technology, a Hash algorithm, a digital signature and identity authentication technology and the like in the block chain, so that the financing process of the account receivable pool is more convenient and reliable, certificates such as contracts and transaction receipts generated in each financing process can be stored on the chain, each item is unique and accurate, and the problems of virtual transactions, virtual prices and the like do not exist. Many items in the process can be directly and automatically completed through the smart contract of the block chain, the offline confirmation cost is reduced, the business efficiency is improved, a financing bank does not need to carry out account receivable collection after the financing money is issued, the corresponding smart contract can be automatically triggered when a default situation occurs, and the management risk of financing bank nodes is reduced.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular, to a method, system, equipment, and computer-readable storage medium for financing accounts receivable pools based on block chains. Background technique [0002] Accounts receivable pool financing is that the bank combines the usual accounts receivable to form a relatively stable accounts receivable "pool" according to the fact that the borrower has many downstream enterprises and a large number of transactions. The party signs a contract, and according to the balance in the accounts receivable pool, financing is carried out in a certain proportion. [0003] However, the current accounts receivable pool financing model has the following risks: [0004] 1. There is a risk of fictitious transactions: in order to obtain financing, suppliers forge purchase and sales contracts, commercial invoices and documents, etc., thereby defrauding bank financing; [0005] 2. There i...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/38G06F16/27G06F21/64
CPCG06Q20/3827G06Q20/3825G06Q20/3829G06F16/27G06F21/64G06Q40/03
Inventor 马超群熊园坤周中定李信儒兰秋军万丽
Owner HUNAN UNIV
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