Digital bill transaction system and method based on blockchain, and storage medium

Abstract

The invention relates to a digital bill transaction system and method based on a blockchain, computer equipment and a storage medium, and the digital bill transaction system comprises a commercial bill circle platform and the blockchain. The commercial bill circle platform creates a digital bill transfer transaction according to a digital bill transfer request initiated by an initiating end, and issues the digital bill transfer transaction to a blockchain; and the blockchain executes the digital bill transfer transaction. The digital assets (digital bills) are naturally detachable, so that the problem that bills cannot be split in the prior art is solved by transferring the digital bills. Due to centralization, non-tampering and traceability of the blockchain, the method has no limitation of regions and time, and solves the problems that in the prior art, bill transfer or discount time is limited, transfer or discount time is long, a large amount of manpower and material resources are consumed, risks are increased, and information is leaked.

Description

technical field [0001] The present application relates to the technical field of block chain, in particular to a digital note transaction system, method, computer equipment and storage medium based on block chain. Background technique [0002] In the traditional electronic commercial acceptance draft, there are the following problems. 1) The bill can only be transferred or discounted by endorsement in its entirety, but the actual transaction amount is not fixed. This makes it extremely difficult to pay for goods with bills. The holder must find a funder to exchange the bills into money, but in the process of exchanging, he has to pay a relatively high interest cost. 2) The transfer or discount of bills depends on the bank's bill system, and the bank bill system can only be used during fixed working hours, and sometimes even encounters the problem of failure of the bank bill system during working hours. 3) The bill transfer and discount needs to wait for the funder to have ...

AI Technical Summary

Problems solved by technology

This makes it extremely difficult to pay for goods with bills. The holder must find a fund to exchange the bills into money, but in the process of exchanging, he has to pay a relatively high interest cost.

2) The transfer or discount of bills depends on the bank's bill system, and the bank bill system can only be used during fixed working hours, and sometimes even encounters problems with bank bill system failures during working hours

3) The bill transfer and discount need to wait for the funds to have corresponding funds and appropriate charges. This process may take days or even months, and the transfer or posting takes a long time

4) In the current financial industry, each institution has its own account book, and a large number of operations such as reconciliation, liquidation, and settlement are required to be carried out between institutions when conducting business connections. These operations require a lot of manpower and material resources

While the bill business has created a large amount of liquidity, the relevant market is also prone to illegal operations or user fraud, which leads to the concentrated outbreak of commercial bank bill business incidents

In the field of clearing and settlement, due to the different infrastructure structures and business processes among different financial institutions, and many manual processes involved in the specific operation process, these factors greatly increase business costs and are also prone to errors

In the field of user identification, it is difficult to achieve efficient interaction of user data between different financial institutions, which makes repeated authentication costs high and indirectly brings the risk of user identity being leaked by some intermediaries

[0003] To sum up, in the existing technology, there are problems such as indivisible bills, limited time for transfer or discounting of bills, long transfer or posting time, consuming a lot of manpower and material resources, increasing risks, and information leakage.

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