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Manufacturer guarantee financing method and system for prepaid products based on block chain, equipment and storage medium

A blockchain and product technology that is applied in the blockchain field to achieve the effects of solving information asymmetry, ensuring security, and improving efficiency

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

AI Technical Summary

Problems solved by technology

[0007] The present invention provides a manufacturer guarantee financing method for prepaid products based on blockchain, a system, equipment, and a computer-readable storage medium to solve the above-mentioned shortcomings of the existing manufacturer guarantee financing mode for prepaid products

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  • Manufacturer guarantee financing method and system for prepaid products based on block chain, equipment and storage medium
  • Manufacturer guarantee financing method and system for prepaid products based on block chain, equipment and storage medium
  • Manufacturer guarantee financing method and system for prepaid products based on block chain, equipment and storage medium

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Embodiment Construction

[0073] 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.

[0074] Such as figure 1 As shown, the preferred embodiment of the present invention provides a method of vendor guarantee financing for prepaid products based on blockchain, including the following:

[0075] Step S1: The financing enterprise node deploys the procurement contract on the blockchain and signs it, the supply chain core enterprise node and the supplier node evaluate the credit status of the financing enterprise node, sign and confirm the procurement contract and upload it to the blockchain superior;

[0076] Step S2: The financing enterprise node deploys the financing application form on the blockchain with the advance payment corresponding to the procurement contract. The financing bank node evaluates the credit status of the financing enterprise nod...

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Abstract

The invention discloses a manufacturer guarantee financing method and system for prepaid products 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, a black and white account book, identity authentication and other technologies in the block chain, so that the financing process and the transaction process under the guarantee of manufacturers of prepaid products can be clearly and efficiently recorded on the chain, data cannot be tampered after being recorded on the chain and can be verified by multiple parties, the problem that information of all parties is asymmetric is solved, the possibility of fraud is reduced, and meanwhile the information exchange efficiency is improved. The loan obtained by financing can be automatically returned to the bank after the transaction is finished and the smart contract takes effect, so that the process saves the labor cost, improves the efficiency, and ensures the financing safety.

Description

technical field [0001] The present invention relates to the field of block chain technology, in particular, to a method, system, device, and computer-readable storage medium for prepaid product manufacturer guarantee financing based on block chain. Background technique [0002] Prepaid product financing refers to the financing that needs to be issued based on advance loans (or issuance of bank notes, letters of credit) in the procurement process of enterprises, and is used to meet the financing needs of enterprises in domestic procurement and import procurement. The manufacturer's guarantee for prepaid products means that the core enterprise no longer ships to the logistics supervision company designated by the bank, but undertakes the supervision function itself, and gradually releases the goods to the channel provider who borrowed according to the bank's instructions. [0003] The current manufacturer-guaranteed financing model for prepaid products has the following proble...

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 马超群彭伟皓周中定李信儒万丽
Owner HUNAN UNIV
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