Bill creditor right circulation and financing method and system based on block chain

Abstract

The invention relates to the technical field of financial science and technology, and discloses a blockchain-based bill creditor's right circulation and financing method and system, and the method comprises a bill information collection unit, a blockchain storage unit, a creditor's right auditing unit, a circulation transaction unit, and a financing application unit. According to the invention, the security of bill information is guaranteed through an asymmetric encryption algorithm, and tampering and stealing are prevented; multiple links such as rigorous creditor's right auditing, identity information comparison, endorsement continuity check and transaction contract auditing ensure that the bill is true and legal; the circulation transaction mechanism is efficient, convenient and clear, the links of listing, inquiry, bargaining, transaction and the like are covered by a clear process, a price matching algorithm promotes transaction conclusion, a smart contract automatically executes creditor's right transfer and information updating, and the transaction efficiency and accuracy are improved; financing application service is complete, enterprise application is convenient, a strict auditing mechanism is combined with credit evaluation and creditor right auditing to guarantee financing safety, more financing channels are provided for enterprises, and entity economic development is promoted.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a blockchain-based bill debt circulation and financing method and system. Background Art

[0002] In the current financial field, bills are widely used in inter-enterprise transactions as an important payment and financing tool. However, the traditional bill transaction model has many problems and challenges. On the one hand, the authenticity and security of bill information are difficult to guarantee. In the traditional bill circulation process, bill information may be tampered with or forged, resulting in the authenticity of the debt being questioned, bringing potential risks to all parties to the transaction. For example, the identity information of the drawee, acceptor, and payee may be false, and the bill endorsement record may also be maliciously modified, which greatly reduces the legality and validity of the bill; on the other hand, the bill circulation transaction efficiency is low. Traditional bill transactions usually require cumbersome procedures and processes, including manual review, paper document delivery, etc., which not only consumes a lot of time and manpower costs, but also easily leads to problems such as untimely and inaccurate information transmission, which seriously affects the circulation speed and transaction efficiency of bills.

[0003] In addition, enterprises also face many difficulties when using bills for financing. Enterprises need to find suitable financing channels, and the review process of financing applications is complicated, involving multiple assessments of the enterprise's credit status and the legality of bills. In traditional methods, credit assessment and bill review often rely on manual operations and scattered information sources, making it difficult to comprehensively and accurately judge the financing qualifications of enterprises, resulting in low financing efficiency. Many enterprises with financing needs cannot obtain financial support in a timely manner.

[0004] Based on this, the present invention proposes a blockchain-based bill debt circulation and financing system. Summary of the invention

[0005] The purpose of the present invention is to provide a blockchain-based bill debt circulation and financing method and system, which solves the technical problems raised in the background technology.

[0006] The purpose of the present invention can be achieved through the following technical solutions:

[0007] The bill debt circulation and financing system based on blockchain includes:

[0008] The bill information collection unit is used to collect bill information, including basic information corresponding to bill number, issue date, issuer, payee, amount, acceptor, and due date, as well as additional information corresponding to bill endorsement record and transaction history;

[0009] A blockchain storage unit, used to store the bill information on the blockchain;

[0010] The creditor's rights review unit is used to review the creditor's rights represented by the bill to determine whether the creditor's rights are real and valid;

[0011] The circulation and transaction unit is used to circulate and trade the bill claims on the blockchain, where the circulation and transaction links include listing, inquiry, negotiation, and transaction;

[0012] Financing application unit, used to provide financing application channels for enterprises holding bill claims;

[0013] As a further solution of the present invention: the storage method of the blockchain storage unit is as follows:

[0014] StepX1. Use an asymmetric encryption algorithm to encrypt the bill information and generate a public key and a private key. Then use the public key to encrypt the bill information. The encrypted information is stored on the blockchain.

[0015] Among them, the asymmetric encryption algorithm is the RSA algorithm;

[0016] Among them, only authorized users with private keys can decrypt and view the original information;

[0017] StepX2, pack the encrypted ticket information into blocks;

[0018] Among them, each block contains a certain number of ticket information records and the hash value of the previous block. The hash value of the current block is calculated through the hash algorithm, and then the new block is added to the blockchain.

[0019] As a further solution of the present invention: the creditor's rights review unit reviews the creditor's rights in the following manner:

[0020] Step Y1. Verify the basic information of the bill to determine whether the identity information of the drawer, acceptor and payee is authentic and valid;

[0021] Among them, the verification of the basic information of the bill is confirmed by comparing it with the identity authentication agency or the corporate credit database;

[0022] After comparison and confirmation, if the corresponding identity information of the drawer, acceptor and payee are all true, the basic information of the verified bill is determined to be true and valid;

[0023] Step Y2. Check whether the bill endorsement is continuous and complete;

[0024] It uses graph algorithms to construct a bill endorsement relationship graph, analyze the relationship between nodes and edges in the graph, and determine whether there are interrupted or abnormal endorsement paths;

[0025] Step Y3, review the transaction background and related contracts of the bills to determine whether the creditor-debtor relationship actually exists;

[0026] It uses text analysis algorithms to extract keywords and perform semantic analysis on transaction contracts to confirm whether the contract content is consistent with the bill information.

[0027] As a further solution of the present invention: In Step Y2, the bill endorsement is checked as follows:

[0028] Step Y2.1. Abstract the endorsement relationship of the bill into a directed graph G = (V, E);

[0029] in:

[0030] V is a node set, which represents each subject involved in endorsement, and each subject includes but is not limited to the issuer, the payee, and the endorser;

[0031] E is an edge set, which indicates the direction and order of endorsement. For each endorsement, a directed edge is added from the endorser node to the endorsee node.

[0032] StepY2.2, use the depth-first search algorithm to traverse the graph and check whether there are isolated nodes or discontinuous paths;

[0033] In the depth-first search algorithm, starting from the starting node, recursively visit its adjacent nodes and mark the visited nodes;

[0034] The starting node refers to the issuer, and the adjacent nodes refer to the payee or the first endorser;

[0035] If during the traversal process, there is a node that cannot be reached through the endorsement path, it means that the endorsement is discontinuous or there is an anomaly; otherwise, it means that the endorsement is continuous or there is no anomaly.

[0036] As a further solution of the present invention: In Step Y3, the judgment method of the creditor's rights and debtor's rights is as follows:

[0037] Step Y3.1. Remove stop words and punctuation marks from the transaction contract text, and then convert the text into a word vector.

[0038] StepY3.2, use the TF-IDF algorithm to calculate the TF-IDF value of each word;

[0039] Then, words whose TF-IDF values ​​exceed the preset TF-IDF threshold are selected as keywords;

[0040] If the TF-IDF value of the word exceeds the preset TF-IDF threshold, the word is used as a keyword; otherwise, the word is not used as a keyword;

[0041] Step Y3.3, perform semantic analysis on the keywords in the transaction contract text, using a cosine similarity algorithm to calculate the similarity between the keywords and the keywords in the preset bill-related keyword library;

[0042] Then the similarity between the transaction contract text and the keywords in the bill-related keyword library is compared with the preset similarity threshold:

[0043] If the similarity is greater than the similarity threshold, it means that the contract content is consistent with the bill information; otherwise, it means that the contract content is inconsistent with the bill information;

[0044] Among them, the TF-IDF algorithm and the cosine similarity algorithm are both existing technologies, so they are not described in detail here.

[0045] As a further solution of the present invention: wherein, the text is converted into a word vector by using the Word2Vec model to convert each word into a vector of a fixed length.

[0046] As a further solution of the present invention: the circulation transaction method is as follows:

[0047] Step Z1. Listing

[0048] The bill holder publishes the listing information of the bill claim in the system, which includes the bill amount, remaining term, and expected price;

[0049] Step Z2: Request a price

[0050] Potential buyers inquire about the listed bill claims and send a price request to the seller;

[0051] Step Z3: Negotiate

[0052] Buyers and sellers negotiate prices through the system;

[0053] The price matching algorithm is used to compare the quotations of both parties in real time. When the quotations of both parties meet the specified matching conditions, the transaction will be concluded.

[0054] In this embodiment, the price matching algorithm is as follows:

[0055] Assume the seller's offer is P1 and the buyer's offer is P2;

[0056] Extract a pre-set price difference tolerance range [Pmin, Pmax];

[0057] Among them, Pmin is the minimum price difference set by the seller, and Pmax is the maximum price difference set by the seller;

[0058] When P1-P2∈[Pmin,Pmax], it means that the quotations of both parties meet the matching conditions, where Pmin and Pmax are pre-set according to market conditions and trading rules;

[0059] Step Z4: Transaction

[0060] Generate a transaction contract, including information of both parties, bill information, and transaction price;

[0061] Both parties to the transaction digitally sign the contract to confirm the transaction.

[0062] As a further solution of the present invention: after the contract is signed, the transfer of the bill debt is automatically executed through the smart contract, the ownership of the bill is transferred from the seller to the buyer, and the bill status and ownership information on the blockchain are updated.

[0063] As a further solution of the present invention: the specific method of the financing application unit is as follows:

[0064] StepA1. The enterprise submits a financing application in the system, fills in the corresponding information of the financing amount, financing period, repayment method, and uploads the relevant bill information;

[0065] StepA2: Conduct a preliminary review of the financing application to check the credit status of the enterprise and the legality of the bills;

[0066] By calling the interface of the credit assessment agency, the credit score of the enterprise is obtained, and at the same time, combined with the review results of the bill by the creditor's rights review unit, it is determined whether the enterprise meets the financing conditions;

[0067] If the relevant enterprise meets the financing conditions, the system will recommend its financing application to the financial institution;

[0068] Financing conditions include a preset enterprise credit score threshold. When the enterprise credit score of the relevant enterprise is higher than the enterprise credit score threshold, and the creditor's rights review unit determines that the creditor's rights are real and valid, it means that the corresponding enterprise meets the financing conditions.

[0069] Among them, the financial institution checks the details of the financing application in the system and decides whether to accept the financing application based on its own risk preferences and business rules;

[0070] StepA3: After the financial institution accepts the financing application, it signs a financing contract with the enterprise;

[0071] The contract content includes the terms corresponding to the financing interest rate, handling fee, and repayment plan;

[0072] After the contract is signed, the financial institution will issue financing funds to the enterprise through blockchain. The system will automatically update the bill status to "financed" and record financing-related information.

[0073] As a further solution of the present invention: In Step A2, the enterprise credit scoring method is as follows:

[0074] Obtain various credit indicators of the enterprise and mark them as Hi, i = 1, 2, ... n, n represents the number of credit indicators;

[0075] Among them, various credit indicators include but are not limited to: corporate debt-to-asset ratio, current ratio, overdue repayment record;

[0076] At the same time, the preset weight coefficients corresponding to various credit indicators are obtained and marked as βi;

[0077] Then through Calculate the enterprise's corporate credit score P1.

[0078] The method for transferring and financing bills based on blockchain is implemented by a bill transfer and financing system based on blockchain, and includes the following steps:

[0079] Step 1: Collect bill information

[0080] The bill information collection unit is used to collect bill information, including basic information such as bill number, issue date, issuer, payee, amount, acceptor, expiration date, and additional information such as bill endorsement record and transaction history;

[0081] Step 2: Blockchain Storage

[0082] An asymmetric encryption algorithm is used to encrypt the bill information, generate public and private keys, and the bill information is encrypted with the public key and stored on the blockchain.

[0083] The encrypted ticket information is packaged into blocks. Each block contains a certain number of ticket information records and the hash value of the previous block. The hash value of the current block is calculated through the hash algorithm, and then the new block is added to the blockchain.

[0084] Step 3: Creditor's rights review

[0085] Step 31: Verify basic information of the bill:

[0086] By comparing with the identity authentication agency or corporate credit database, confirm whether the identity information of the issuer, acceptor and payee is authentic and valid. If they are all authentic, the basic information of the bill is determined to be authentic and valid.

[0087] Step 32: Check the bill endorsement:

[0088] The bill endorsement relationship is abstracted into a directed graph G = (V, E), where V represents the entities involved in the endorsement (such as the drawee, payee, endorser, etc.), and E represents the direction and order of the endorsement. Each time an endorsement is made, a directed edge is added from the endorser node to the endorsee node.

[0089] The depth-first search algorithm is used to traverse the graph, starting from the issuer (starting node), recursively visiting adjacent nodes (payee or first endorser) and marking the visited nodes. If there is a node that cannot be reached through the endorsement path, the endorsement is discontinuous or abnormal, otherwise it is continuous or normal.

[0090] Step 3: Review the transaction background and contract:

[0091] Remove stop words and punctuation marks from the transaction contract text and convert the text into word vectors;

[0092] The TF-IDF algorithm is used to calculate the TF-IDF value of each word, and words exceeding the preset threshold are selected as keywords.

[0093] Perform semantic analysis on the keywords, use the cosine similarity algorithm to calculate the similarity with the keywords in the preset bill-related keyword library, and compare the similarity with the preset threshold. If it is greater than the threshold, the contract content is consistent with the bill information, otherwise it is inconsistent.

[0094] Step 4: Transaction

[0095] Step 41: Listing:

[0096] The bill holder publishes the listing information of the bill claims in the system, including the bill amount, remaining term, and expected price.

[0097] Step 42: Inquiry:

[0098] Potential buyers inquire about the listed bill claims and send a quotation request to the seller.

[0099] Step 43: Bargaining:

[0100] The buyer and seller negotiate the price through the system, adopt the price matching algorithm, obtain the seller's quotation P1 and the buyer's quotation P2, extract the pre-set price difference tolerance range [Pmin, Pmax], and when P1-P2∈[Pmin, Pmax], the matching condition is met and the transaction begins.

[0101] Step 44: Transaction:

[0102] Generate a transaction contract, including information of the buyer and seller, bill information, and transaction price. Both parties to the transaction digitally sign the contract to confirm the transaction.

[0103] Step 5: Financing Application

[0104] Step 51: Submit your application:

[0105] The enterprise submits a financing application in the system, fills in information such as the financing amount, financing period, repayment method, and uploads relevant bill information.

[0106] Step 52: Preliminary review:

[0107] By calling the credit assessment agency's interface to obtain the company's credit score, combined with the debt review results to determine whether the company meets the financing conditions. If the company's credit score is higher than the preset threshold and the debt is real and valid, the system will recommend the financing application to the financial institution.

[0108] Step 53: Signing the contract and releasing the loan:

[0109] After accepting the financing application, the financial institution signs a financing contract with the enterprise. After the contract is signed, the financial institution issues the financing funds to the enterprise through the blockchain. The system automatically updates the bill status to "financed" and records the financing-related information.

[0110] Step 6. Transaction execution and record update

[0111] After the transaction contract is signed, the transfer of bill claims is automatically executed through the smart contract, the ownership of the bill is transferred from the seller to the buyer, and the bill status and ownership information on the blockchain is updated.

[0112] Beneficial effects of the present invention:

[0113] Information encryption storage: The bill information is encrypted using an asymmetric encryption algorithm. Only authorized users with private keys can decrypt and view the original information, which effectively ensures the security of bill information during storage and transmission, prevents information from being tampered with and stolen, and provides a reliable information basis for bill transactions.

[0114] Identity information verification: By comparing with the identity authentication agency or corporate credit database to confirm the identity information of the drawer, acceptor, payee, etc., the authenticity and legality of the bill participants are ensured, reducing the risk of fraud.

[0115] Endorsement continuity check: Use graph algorithms to construct a bill endorsement relationship graph, and use a depth-first search algorithm to traverse the graph to check whether the endorsement is continuous and complete. This can promptly detect interruptions or anomalies in the endorsement path, ensuring the standardization and legality of bill circulation.

[0116] Transaction background and contract review: Use text analysis algorithms to extract keywords and conduct semantic analysis on transaction contracts. By comparing the similarity with the preset bill-related keyword library, it is determined whether the creditor-debtor relationship actually exists, ensuring the authenticity of the transaction behind the bill and maintaining market order.

[0117] Clear transaction process: The system covers the complete transaction process including listing, inquiry, negotiation and transaction, providing a convenient transaction platform for bill holders and potential buyers. Bill holders can clearly publish listing information, and potential buyers can make inquiries and negotiate prices, which improves the transparency and efficiency of transactions.

[0118] Reasonable price matching algorithm: adopting price matching algorithm, by setting price difference tolerance range, comparing the quotations of buyers and sellers in real time, and entering into the transaction link when the matching conditions are met, which promotes the smooth completion of transactions, reduces the time and cost of price negotiation, and improves market liquidity.

[0119] Automatic execution of smart contracts: After the contract is signed, the smart contract automatically executes the transfer of bill claims and updates the relevant information on the blockchain, realizing the automation and efficiency of transactions, reducing the risks and error rates of manual operations, and improving the speed and accuracy of bill circulation.

[0120] Convenient financing application: Enterprises can easily submit financing applications in the system, fill in detailed information such as the financing amount, financing period, repayment method, and upload relevant bill information, which simplifies the financing process and improves the efficiency and convenience of enterprise financing.

[0121] Strict review mechanism: The system conducts a preliminary review based on the company's credit status and the legality of the bills, obtains the company's credit score by calling the credit assessment agency interface, and determines whether the company meets the financing conditions based on the debt review results, ensuring the security and reliability of the financing business and reducing the risks of financial institutions.

[0122] Smooth connection with financial institutions: Qualified financing applications will be recommended to financial institutions, which can decide whether to accept the application based on their own risk preferences and business rules. After the financing contract is signed, the financing funds will be issued through the blockchain and the bill status will be automatically updated, realizing efficient connection between enterprises and financial institutions, providing enterprises with more financing channels and opportunities, and promoting the development of the real economy.

[0123] To sum up, the bill debt circulation and financing system of the present invention has played an important role in ensuring information security, ensuring transaction authenticity, improving circulation transaction efficiency and improving financing services through blockchain technology and a series of rigorous algorithms and process designs. It has significant economic and social benefits and helps promote the healthy development of the bill market and the innovative upgrading of financial services. BRIEF DESCRIPTION OF THE DRAWINGS

[0124] The present invention will be further described below in conjunction with the accompanying drawings.

[0125] Figure 1It is a system block diagram of the bill debt circulation and financing system based on blockchain of the present invention.

[0126] Figure 2 It is a flowchart of the blockchain-based bill debt circulation and financing method of the present invention. DETAILED DESCRIPTION

[0127] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0128] Embodiment 1

[0129] See also Figure 1 As shown, the present invention is a bill debt circulation and financing method and system based on blockchain, including:

[0130] The bill information collection unit is used to collect bill information, including basic information corresponding to bill number, issue date, issuer, payee, amount, acceptor, and due date, as well as additional information corresponding to bill endorsement record and transaction history;

[0131] A blockchain storage unit, used to store the bill information on the blockchain;

[0132] The storage is as follows:

[0133] StepX1. Use an asymmetric encryption algorithm to encrypt the bill information and generate a public key and a private key. Then use the public key to encrypt the bill information. The encrypted information is stored on the blockchain.

[0134] In this embodiment, the asymmetric encryption algorithm is the RSA algorithm;

[0135] Among them, only authorized users with private keys can decrypt and view the original information;

[0136] StepX2, pack the encrypted ticket information into blocks;

[0137] Each block contains a certain number of ticket information records and the hash value of the previous block. The hash value of the current block is calculated through the hash algorithm, and then the new block is added to the blockchain.

[0138] The creditor's rights review unit is used to review the creditor's rights represented by the bill to determine whether the creditor's rights are real and valid;

[0139] The specific method is as follows:

[0140] Step Y1. Verify the basic information of the bill to determine whether the identity information of the drawer, acceptor and payee is authentic and valid;

[0141] Among them, the verification of the basic information of the bill is confirmed by comparing it with the identity authentication agency or the corporate credit database;

[0142] After comparison and confirmation, if the corresponding identity information of the drawer, acceptor and payee are all true, the basic information of the verified bill is determined to be true and valid;

[0143] Step Y2. Check whether the bill endorsement is continuous and complete;

[0144] It uses graph algorithms to construct a bill endorsement relationship graph, analyze the relationship between nodes and edges in the graph, and determine whether there are interrupted or abnormal endorsement paths;

[0145] The specific method is as follows:

[0146] Step Y2.1. Abstract the endorsement relationship of the bill into a directed graph G = (V, E);

[0147] in:

[0148] V is a node set, which represents each subject involved in endorsement, and each subject includes but is not limited to the issuer, the payee, and the endorser;

[0149] E is an edge set, which indicates the direction and order of endorsement. For each endorsement, a directed edge is added from the endorser node to the endorsee node.

[0150] StepY2.2, use the depth-first search algorithm to traverse the graph and check whether there are isolated nodes or discontinuous paths;

[0151] In the depth-first search algorithm, starting from the starting node, recursively visit its adjacent nodes and mark the visited nodes;

[0152] The starting node refers to the issuer, and the adjacent nodes refer to the payee or the first endorser;

[0153] If during the traversal process, a certain node cannot be reached through the endorsement path, it means that the endorsement is discontinuous or there is an anomaly; otherwise, it means that the endorsement is continuous or there is no anomaly;

[0154] Step Y3, review the transaction background and related contracts of the bills to determine whether the creditor-debtor relationship actually exists;

[0155] It uses text analysis algorithms to extract keywords and perform semantic analysis on transaction contracts to confirm whether the contract content is consistent with the bill information;

[0156] The specific method is as follows:

[0157] Step Y3.1. Remove stop words and punctuation marks from the transaction contract text, and then convert the text into a word vector.

[0158] In this embodiment, each word is converted into a fixed-length vector by using the Word2Vec model;

[0159] StepY3.2, use the TF-IDF algorithm to calculate the TF-IDF value of each word;

[0160] Then, words whose TF-IDF values ​​exceed the preset TF-IDF threshold are selected as keywords;

[0161] In this example, assume that the frequency of word w in document d is tf w，d , the document frequency in the entire document collection is df w , the total number of documents is N;

[0162] Then the TF-IDF value of the word is:

[0163]

[0164] In the formula, TF-IDF w，d is the TF-IDF value of the word;

[0165] If the TF-IDF value of the word exceeds the preset TF-IDF threshold, the word is used as a keyword; otherwise, the word is not used as a keyword;

[0166] Step Y3.3, perform semantic analysis on the keywords in the transaction contract text, using a cosine similarity algorithm to calculate the similarity between the keywords and the keywords in the preset bill-related keyword library;

[0167] In this embodiment, the keywords in the transaction contract text and the bill-related keyword library are defined as A and B respectively;

[0168] Then through Calculate the similarity cosθ between the transaction contract text and the keywords in the bill-related keyword library;

[0169] Where A·B is the dot product of the vectors, |A| and |B| are the moduli of the vectors respectively;

[0170] Then the similarity between the transaction contract text and the keywords in the bill-related keyword library is compared with the preset similarity threshold:

[0171] If the similarity is greater than the similarity threshold, it means that the contract content is consistent with the bill information; otherwise, it means that the contract content is inconsistent with the bill information;

[0172] In this embodiment, it also includes:

[0173] An information display unit is used to display the results obtained by the creditor's rights review unit;

[0174] This embodiment comprehensively collects the basic information and additional information of the bill through the bill information collection unit, provides a detailed data basis for the circulation and financing of bill claims, and helps to accurately evaluate the value of the bill. The asymmetric encryption algorithm and blockchain storage unit are used to ensure the security and non-tamperability of bill information. Only authorized users can decrypt and view the original information, which enhances the trust of bill transactions; the claim review unit strictly reviews the claims represented by the bill, and effectively judges the authenticity and validity of the claims by verifying basic information, checking endorsement continuity, and reviewing transaction background contracts, thereby reducing the risk of bill transactions; at the same time, the information display unit displays the claim review results, which improves the transparency of the transaction and facilitates the parties to the transaction to understand the status of the bill.

[0175] Embodiment 2

[0176] As the second embodiment of the present invention, when the present application is implemented, compared with the first embodiment, the technical solution of the present embodiment is different from that of the first embodiment only in that the present embodiment further includes:

[0177] The circulation and transaction unit is used to circulate and trade the bill claims on the blockchain, where the circulation and transaction links include listing, inquiry, negotiation, and transaction;

[0178] The transaction method is as follows:

[0179] Step Z1. Listing

[0180] The bill holder publishes the listing information of the bill claim in the system, which includes the bill amount, remaining term, and expected price;

[0181] Step Z2: Request a price

[0182] Potential buyers inquire about the listed bill claims and send a price request to the seller;

[0183] Step Z3: Negotiate

[0184] Buyers and sellers negotiate prices through the system;

[0185] The price matching algorithm is used to compare the quotations of both parties in real time. When the quotations of both parties meet the specified matching conditions, the transaction will be concluded.

[0186] In this embodiment, the price matching algorithm is as follows:

[0187] Assume the seller's offer is P1 and the buyer's offer is P2;

[0188] Extract a pre-set price difference tolerance range [Pmin, Pmax];

[0189] Among them, Pmin is the minimum price difference set by the seller, and Pmax is the maximum price difference set by the seller;

[0190] When P1-P2∈[Pmin,Pmax], it means that the quotations of both parties meet the matching conditions, where Pmin and Pmax are pre-set according to market conditions and trading rules;

[0191] For example:

[0192] For a bill with an amount of 1 million yuan, Pmin can be set to -1,000 yuan, that is, the seller's offer can be 1,000 yuan lower than the buyer's offer, and Pmax can be set to 800 yuan, that is, the seller's offer can be 800 yuan higher than the buyer's offer;

[0193] Step Z4: Transaction

[0194] Generate a transaction contract, including information of both parties, bill information, and transaction price;

[0195] The two parties to the transaction digitally sign the contract to confirm the transaction;

[0196] After the contract is signed, the transfer of bill claims is automatically executed through the smart contract, transferring the ownership of the bill from the seller to the buyer, and updating the bill status and ownership information on the blockchain.

[0197] In this embodiment, the circulation transaction unit provides a standardized process for the circulation of bill claims on the blockchain, including listing, inquiry, bargaining and transaction links, which improves the efficiency and flexibility of bill transactions. The listing information clarifies the key parameters of the bill, which facilitates potential buyers to quickly understand the bill situation. The inquiry and bargaining process adopts a price matching algorithm to ensure that the buyer and seller can reach a transaction within a reasonable price range, protecting the interests of both parties to the transaction. The transaction link generates a transaction contract and digitally signs it, and automatically executes the transfer of bill claims through smart contracts, which ensures the security and reliability of the transaction. At the same time, the bill status and ownership information on the blockchain are updated in a timely manner, which improves the transparency of the transaction.

[0198] Embodiment 3

[0199] As the third embodiment of the present invention, when the present application is implemented, compared with the first and second embodiments, the technical solution of this embodiment is to combine the solutions of the first and second embodiments, and the difference between the technical solution of this embodiment and the first and second embodiments is that this embodiment also includes:

[0200] The financing application unit is used to provide financing application channels for enterprises holding bill claims and to help enterprises convert bill claims into funds.

[0201] The specific method is as follows:

[0202] StepA1. The enterprise submits a financing application in the system, fills in the corresponding information of the financing amount, financing period, and repayment method, and uploads the relevant bill information.

[0203] StepA2: Conduct a preliminary review of the financing application to check the credit status of the enterprise and the legality of the bills;

[0204] By calling the interface of the credit assessment agency, the credit score of the enterprise is obtained, and at the same time, combined with the review results of the bill by the creditor's rights review unit, it is determined whether the enterprise meets the financing conditions;

[0205] The corporate credit scoring method is as follows:

[0206] Obtain various credit indicators of the enterprise and mark them as Hi, i = 1, 2, ... n, n represents the number of credit indicators;

[0207] Among them, various credit indicators include but are not limited to: corporate debt-to-asset ratio, current ratio, overdue repayment record;

[0208] At the same time, the preset weight coefficients corresponding to various credit indicators are obtained and marked as βi;

[0209] Then through Calculate the enterprise's corporate credit score P1;

[0210] For example:

[0211] If the debt-to-asset ratio of an enterprise is 0.6, its corresponding weight coefficient is 0.3;

[0212] Its current ratio is 1.5, and its corresponding weight factor is 0.2;

[0213] Its overdue repayment record is 0.2, and its corresponding weight coefficient is 0.5;

[0214] Among them, the overdue repayment record is represented by a value between 0 and 1, 0 represents no overdue, and 1 represents serious overdue;

[0215] Then the credit score of the enterprise is P1 = 0.3 × 0.6 + 1.5 × 0.2 + 0.2 × 0.5 = 0.46;

[0216] Among them, the full score can be 1 point, and the higher the score, the better the credit;

[0217] If the relevant enterprise meets the financing conditions, the system will recommend its financing application to the financial institution;

[0218] Financing conditions include a preset enterprise credit score threshold. When the enterprise credit score of the relevant enterprise is higher than the enterprise credit score threshold, and the creditor's rights review unit determines that the creditor's rights are real and valid, it means that the corresponding enterprise meets the financing conditions.

[0219] Among them, the financial institution checks the details of the financing application in the system and decides whether to accept the financing application based on its own risk preferences and business rules;

[0220] StepA3: After the financial institution accepts the financing application, it signs a financing contract with the enterprise;

[0221] The contract content includes the terms corresponding to the financing interest rate, handling fee, and repayment plan;

[0222] After the contract is signed, the financial institution will issue financing funds to the enterprise through blockchain. The system will automatically update the bill status to "financed" and record financing-related information.

[0223] In this embodiment, the financing application unit provides a financing channel for enterprises holding bill claims, which helps enterprises convert bill claims into funds and alleviate the financial pressure of enterprises; conducts a preliminary review of the financing application, combines the enterprise's credit status and the legality of the bill, and ensures the security of the financing transaction. Calling the credit assessment agency interface to obtain the enterprise's credit score makes the financing decision more scientific and reasonable. The enterprise credit score is calculated based on various credit indicators and preset weight coefficients, providing financial institutions with a clear reference standard, which facilitates financial institutions to make decisions based on their own risk preferences and business rules. After accepting the financing application, the financial institution signs a financing contract and issues the financing funds through the blockchain. The system automatically updates the bill status and records the financing-related information, which improves the transparency and traceability of the financing transaction.

[0224] Embodiment 4

[0225] As the fourth embodiment of the present invention, when the present application is specifically implemented, compared with the first, second and third embodiments, the technical solution of this embodiment is to combine and implement the solutions of the above-mentioned first, second, third and fourth embodiments.

[0226] This fourth embodiment combines the advantages of the first, second and third embodiments to achieve full-process management of bill debt circulation and financing, including information collection, storage, review, circulation transactions and financing applications. Blockchain technology ensures the security, transparency and non-tamperability of transactions, provides an efficient and reliable service platform for all parties in bill transactions, and helps promote the healthy development of the bill market.

[0227] See also Figure 2 As shown, the present invention also proposes a bill debt circulation and financing method based on blockchain, which is implemented by a bill debt circulation and financing system based on blockchain, and the method includes the following steps:

[0228] Step 1: Collect bill information

[0229] The bill information collection unit is used to collect bill information, including basic information such as bill number, issue date, issuer, payee, amount, acceptor, expiration date, and additional information such as bill endorsement record and transaction history;

[0230] Step 2: Blockchain Storage

[0231] An asymmetric encryption algorithm is used to encrypt the bill information, generate public and private keys, and the bill information is encrypted with the public key and stored on the blockchain.

[0232] The encrypted ticket information is packaged into blocks. Each block contains a certain number of ticket information records and the hash value of the previous block. The hash value of the current block is calculated through the hash algorithm, and then the new block is added to the blockchain.

[0233] Step 3: Creditor's rights review

[0234] Step 31: Verify basic information of the bill:

[0235] By comparing with the identity authentication agency or corporate credit database, confirm whether the identity information of the issuer, acceptor and payee is authentic and valid. If they are all authentic, the basic information of the bill is determined to be authentic and valid.

[0236] Step 32: Check the bill endorsement:

[0237] The bill endorsement relationship is abstracted into a directed graph G = (V, E), where V represents the entities involved in the endorsement (such as the drawee, payee, endorser, etc.), and E represents the direction and order of the endorsement. Each time an endorsement is made, a directed edge is added from the endorser node to the endorsee node.

[0238] The depth-first search algorithm is used to traverse the graph, starting from the issuer (starting node), recursively visiting adjacent nodes (payee or first endorser) and marking the visited nodes. If there is a node that cannot be reached through the endorsement path, the endorsement is discontinuous or abnormal, otherwise it is continuous or normal.

[0239] Step 3: Review the transaction background and contract:

[0240] Remove stop words and punctuation marks from the transaction contract text and convert the text into word vectors;

[0241] The TF-IDF algorithm is used to calculate the TF-IDF value of each word, and words exceeding the preset threshold are selected as keywords.

[0242] Perform semantic analysis on the keywords, use the cosine similarity algorithm to calculate the similarity with the keywords in the preset bill-related keyword library, and compare the similarity with the preset threshold. If it is greater than the threshold, the contract content is consistent with the bill information, otherwise it is inconsistent.

[0243] Step 4: Transaction

[0244] Step 41: Listing:

[0245] The bill holder publishes the listing information of the bill claims in the system, including the bill amount, remaining term, and expected price.

[0246] Step 42: Inquiry:

[0247] Potential buyers inquire about the listed bill claims and send a quotation request to the seller.

[0248] Step 43: Bargaining:

[0249] The buyer and seller negotiate the price through the system, adopt the price matching algorithm, obtain the seller's quotation P1 and the buyer's quotation P2, extract the pre-set price difference tolerance range [Pmin, Pmax], and when P1-P2∈[Pmin, Pmax], the matching condition is met and the transaction begins.

[0250] Step 44: Transaction:

[0251] Generate a transaction contract, including information of the buyer and seller, bill information, and transaction price. Both parties to the transaction digitally sign the contract to confirm the transaction.

[0252] Step 5: Financing Application

[0253] Step 51: Submit your application:

[0254] The enterprise submits a financing application in the system, fills in information such as the financing amount, financing period, repayment method, and uploads relevant bill information.

[0255] Step 52: Preliminary review:

[0256] By calling the credit assessment agency's interface to obtain the company's credit score, combined with the debt review results to determine whether the company meets the financing conditions. If the company's credit score is higher than the preset threshold and the debt is real and valid, the system will recommend the financing application to the financial institution.

[0257] Step 53: Signing the contract and releasing the loan:

[0258] After accepting the financing application, the financial institution signs a financing contract with the enterprise. After the contract is signed, the financial institution issues the financing funds to the enterprise through the blockchain. The system automatically updates the bill status to "financed" and records the financing-related information.

[0259] Step 6. Transaction execution and record update

[0260] After the transaction contract is signed, the transfer of bill claims is automatically executed through the smart contract, transferring the bill ownership from the seller to the buyer, and updating the bill status and ownership information on the blockchain.

[0261] The entire blockchain-based bill debt circulation and financing method covers the entire process from bill information collection, storage, and review to circulation transactions and financing applications. It uses blockchain technology and multiple algorithms to ensure the security, authenticity and effectiveness of bill transactions, providing enterprises with convenient bill debt circulation and financing channels.

[0262] The above formulas are all dimensionless and numerical calculations. The formula is a formula for the most recent real situation obtained by collecting a large amount of data and performing software simulation. The preset parameters and thresholds in the formula are set by technicians in this field according to actual conditions.

[0263] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. The bill debt circulation and financing system based on blockchain is characterized by: include: The bill information collection unit is used to collect bill information, including basic information corresponding to bill number, issue date, issuer, payee, amount, acceptor, and due date, as well as additional information corresponding to bill endorsement record and transaction history; A blockchain storage unit, used to store the bill information on the blockchain; The creditor's rights review unit is used to review the creditor's rights represented by the bill to determine whether the creditor's rights are real and valid; The circulation and transaction unit is used to circulate and trade the bill claims on the blockchain, where the circulation and transaction links include listing, inquiry, negotiation, and transaction; The financing application unit is used to provide financing application channels for enterprises holding bill claims.

2. The blockchain-based bill debt circulation and financing system according to claim 1 is characterized in that: The storage method of the blockchain storage unit is as follows: StepX1. Use an asymmetric encryption algorithm to encrypt the bill information and generate a public key and a private key. Then use the public key to encrypt the bill information. The encrypted information is stored on the blockchain. StepX2, pack the encrypted ticket information into blocks; Among them, each block contains a certain number of ticket information records and the hash value of the previous block. The hash value of the current block is calculated through the hash algorithm, and then the new block is added to the blockchain.

3. The blockchain-based bill debt circulation and financing system according to claim 2 is characterized in that: The creditor's rights review unit shall review the following: Step Y1. Verify the basic information of the bill to determine whether the identity information of the drawer, acceptor and payee is authentic and valid; Among them, the verification of the basic information of the bill is confirmed by comparing it with the identity authentication agency or the corporate credit database; After comparison and confirmation, if the corresponding identity information of the drawer, acceptor and payee are all true, the basic information of the verified bill is determined to be true and valid; Step Y2. Check whether the bill endorsement is continuous and complete; It uses graph algorithms to construct a bill endorsement relationship graph, analyze the relationship between nodes and edges in the graph, and determine whether there are interrupted or abnormal endorsement paths; Step Y3, review the transaction background and related contracts of the bills to determine whether the creditor-debtor relationship actually exists; It uses text analysis algorithms to extract keywords and perform semantic analysis on transaction contracts to confirm whether the contract content is consistent with the bill information.

4. The blockchain-based bill debt circulation and financing system according to claim 3 is characterized in that: In StepY2, the bill endorsement is checked as follows: Step Y2.

1. Abstract the endorsement relationship of the bill into a directed graph G = (V, E); in: V is a node set, which represents each subject involved in endorsement, and each subject includes but is not limited to the issuer, the payee, and the endorser; E is an edge set, which indicates the direction and order of endorsement. For each endorsement, a directed edge is added from the endorser node to the endorsee node. StepY2.2, use the depth-first search algorithm to traverse the graph and check whether there are isolated nodes or discontinuous paths; In the depth-first search algorithm, starting from the starting node, recursively visit its adjacent nodes and mark the visited nodes; The starting node refers to the issuer, and the adjacent nodes refer to the payee or the first endorser; If during the traversal process, there is a node that cannot be reached through the endorsement path, it means that the endorsement is discontinuous or there is an anomaly; otherwise, it means that the endorsement is continuous or there is no anomaly.

5. The blockchain-based bill debt circulation and financing system according to claim 3 is characterized in that: In Step Y3, the creditor-debtor relationship is determined as follows: Step Y3.

1. Remove stop words and punctuation marks from the transaction contract text, and then convert the text into a word vector. StepY3.2, use the TF-IDF algorithm to calculate the TF-IDF value of each word; Then, words whose TF-IDF values ​​exceed the preset TF-IDF threshold are selected as keywords; If the TF-IDF value of the word exceeds the preset TF-IDF threshold, the word is used as a keyword; otherwise, the word is not used as a keyword; Step Y3.3, perform semantic analysis on the keywords in the transaction contract text, using a cosine similarity algorithm to calculate the similarity between the keywords and the keywords in the preset bill-related keyword library; Then the similarity between the transaction contract text and the keywords in the bill-related keyword library is compared with the preset similarity threshold: If the similarity is greater than the similarity threshold, it means that the contract content is consistent with the bill information; otherwise, it means that the contract content is inconsistent with the bill information.

6. The blockchain-based bill debt circulation and financing system according to claim 1 is characterized in that: The transaction method is as follows: Step Z1. Listing The bill holder publishes the listing information of the bill claim in the system, which includes the bill amount, remaining term, and expected price; Step Z2: Request a price Potential buyers inquire about the listed bill claims and send a price request to the seller; Step Z3: Negotiate Buyers and sellers negotiate prices through the system; The price matching algorithm is used to compare the quotations of both parties in real time. When the quotations of both parties meet the specified matching conditions, the transaction will be concluded. The price matching algorithm is as follows: Get the seller's price P1 and the buyer's price P2; Extract a pre-set price difference tolerance range [Pmin, Pmax]; Among them, Pmin is the minimum price difference set by the seller, and Pmax is the maximum price difference set by the seller; When P1-P2∈[Pmin,Pmax], it means that the quotations of both parties meet the matching conditions, where Pmin and Pmax are pre-set according to market conditions and trading rules; Step Z4: Transaction Generate a transaction contract, including information of both parties, bill information, and transaction price; Both parties to the transaction digitally sign the contract to confirm the transaction.

7. The blockchain-based bill debt circulation and financing system according to claim 6 is characterized in that: After the transaction contract is signed, the transfer of bill claims is automatically executed through the smart contract, the ownership of the bill is transferred from the seller to the buyer, and the bill status and ownership information on the blockchain is updated.

8. The blockchain-based bill debt circulation and financing system according to claim 1 is characterized in that: The specific method of the financing application unit is as follows: StepA1. The enterprise submits a financing application in the system, fills in the corresponding information of the financing amount, financing period, repayment method, and uploads the relevant bill information; StepA2: Conduct a preliminary review of the financing application to check the credit status of the enterprise and the legality of the bills; By calling the interface of the credit assessment agency, the credit score of the enterprise is obtained, and at the same time, combined with the review results of the bill by the creditor's rights review unit, it is determined whether the enterprise meets the financing conditions; If the relevant enterprise meets the financing conditions, the system will recommend its financing application to the financial institution; Financing conditions include a preset enterprise credit score threshold. When the enterprise credit score of the relevant enterprise is higher than the enterprise credit score threshold, and the creditor's rights review unit determines that the creditor's rights are authentic and valid, it means that the corresponding enterprise meets the financing conditions; Among them, the financial institution checks the details of the financing application in the system and decides whether to accept the financing application based on its own risk preferences and business rules; StepA3: After the financial institution accepts the financing application, it signs a financing contract with the enterprise.

9. The blockchain-based bill debt circulation and financing system according to claim 8 is characterized in that: In Step A2, the enterprise credit scoring method is as follows: Obtain various credit indicators of the enterprise and mark them as Hi, i = 1, 2, ... n, n represents the number of credit indicators; Among them, various credit indicators include but are not limited to: corporate debt-to-asset ratio, current ratio, overdue repayment record; At the same time, the preset weight coefficients corresponding to various credit indicators are obtained and marked as βi; Then through Calculate the enterprise's corporate credit score P1; In Step A3, after the contract is signed, the financial institution issues financing funds to the enterprise through the blockchain, and the system automatically updates the bill status to "financed" and records financing-related information.

10. The bill debt circulation and financing method based on blockchain is characterized by: The method is implemented through the blockchain-based bill debt circulation and financing system described in any one of claims 1-9.

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