Block chain-based factoring service sharing, cross validation and cooperative processing method and device

Abstract

The invention discloses a factoring service sharing, cross validation and cooperative processing method and device based on a block chain, and the method comprises the steps: a supplier proposes a factoring application, and carries out the uploading of the data of a seller contract, a bill, a settlement sheet and a laboratory sheet; the core enterprise uplinks buyer contract, bill, settlement sheet and laboratory sheet data; the block chain performs cross validation on the uplink data of the seller and the buyer, and after a factoring company signs a factoring contract, factoring contract information and account receivable information are uplink; the buyer legal department obtains factoring contracts and account receivable information through the block chain, and verifies authenticity; and the buyer pays according to the checked real information. According to the method and the system, the authenticity of the transaction information can be jointly verified by the service participants and whether the data have flaws can be judged in a manner of uploading the basic transaction data and sharing the information by the participants, so that the factoring service risk can be effectively reduced, the account receivable quality can be improved, and the factoring service development risk can be reduced.

Description

Technical Field

[0001] The present invention relates to the technical field of factoring business, and in particular to a factoring business sharing, cross-verification and collaborative processing method and device based on blockchain. Background Art

[0002] At present, digitalization is developing rapidly, and digital transformation has become an inevitable trend in the development of factoring business in the power industry. The establishment of digital conversion and digital upgrading further touches the core business of the company. However, there are some risks in the current factoring business in the power industry, such as:

[0003] In the traditional model, the basic transaction information is based on the seller's information. The transaction information is mostly a single source and a single verification method. There are defects, which are easy to cause defects in the quality of accounts receivable, resulting in increased risks in the authenticity of the basic transaction and the quality of accounts receivable. If there are disputes in the basic transaction and there are defects, it is easy to cause defects in the quality of accounts receivable. Then the guarantee effect of the factoring business will be greatly reduced, the risk will increase, and the business risk will increase;

[0004] Under the traditional model, factoring business often involves large amounts of money and complex operations. There is also information asymmetry between core enterprises (buyers), factoring companies and suppliers (sellers). If the business participants fail to communicate truthfully and accurately, it may lead to an inability to fully grasp the true situation of the business, thereby increasing operational risks.

[0005] Under the traditional model, before transferring accounts receivable, it is necessary to ensure that the accounts receivable actually exist and there are no circumstances under which the transfer is prohibited. In the actual business process, there are cases of collusion between auditors to forge accounts receivable, bills, etc. Therefore, the forged accounts receivable, bills, etc. increase legal risks.

[0006] The invention application with application number 202011391154.X discloses a factoring financing method, system, equipment and storage medium based on blockchain. The application scheme realizes online management of factoring financing business through blockchain technology, improves the security and efficiency of factoring financing, and helps solve the problems of financing difficulties and low financing efficiency for upstream and downstream enterprises in the supply chain. However, it also has the following problems: the information of the participants is not cross-verified and information sharing is not transparent. Summary of the invention

[0007] In response to the above-mentioned problems, the purpose of the present invention is to provide a factoring business sharing, cross-verification and collaborative processing method and device based on blockchain, to share, cross-verify and collaboratively process the information of the participants, effectively reduce business risks, improve the quality of accounts receivable, and reduce the risks of conducting factoring business.

[0008] The embodiments of the present invention provide a factoring business sharing, cross-verification and collaborative processing method and device based on blockchain.

[0009] Aspect 1: A factoring business sharing, cross-verification and collaborative processing method based on blockchain, comprising:

[0010] S1. The supplier submits a factoring application and uploads the seller’s contract, bill, settlement statement, and test report data to the blockchain;

[0011] S2. The core enterprise uploads the buyer's contract, bill, settlement form, and test form data to the blockchain;

[0012] S3. The blockchain cross-verifies the seller and buyer’s on-chain information, and the factoring company determines whether a factoring contract needs to be signed based on the cross-verification results.

[0013] Optionally, also include:

[0014] S4. After the factoring company signs the factoring contract, it will upload the factoring contract information and accounts receivable information to the blockchain;

[0015] S5. The buyer's legal department obtains the factoring contract and accounts receivable information through the blockchain and verifies the authenticity;

[0016] S6. The buyer makes payment based on verified true information.

[0017] Optionally, the cross validation includes:

[0018] Use blockchain to cross-verify data uploaded from fuel nodes, e-commerce nodes, and legal nodes.

[0019] Optionally, the seller, buyer and factoring company can all view the on-chain data and cross-validation results.

[0020] Optionally, after the factoring company in S4 signs the factoring contract, the seller notifies the buyer in the form of a receivables transfer notice. After the buyer stamps and confirms the notice, the relevant data of the receivables transfer notice is uploaded to the chain.

[0021] A second aspect: A device applied to the method of the first aspect, comprising:

[0022] The seller module obtains the seller's contract, bill, settlement sheet, and test sheet data and uploads them to the blockchain;

[0023] The buyer module obtains the buyer's contract, bill, settlement sheet, and test sheet data and uploads them to the blockchain;

[0024] The blockchain module cross-verifies the buyer and seller data and provides verification result data;

[0025] The factoring company module provides verification result data for the factoring company, obtains factoring contracts and accounts payable data and uploads them to the chain.

[0026] Optionally, the blockchain module includes an image recognition module, a text recognition module, a seal recognition module and an invoice recognition module.

[0027] A third aspect: An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method provided in the first aspect when executing the program.

[0028] A fourth aspect: A non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the method provided in the first aspect.

[0029] Beneficial effects of the present invention:

[0030] 1. The present invention enables information sharing among business participants by putting basic transaction information on the chain. Business participants can jointly verify the authenticity of transaction information, determine whether there are defects in the data, and stop the business in time, which can effectively reduce business risks, improve the quality of accounts receivable, and reduce the risks of factoring business.

[0031] 2. The present invention uses blockchain cryptography and distributed storage mechanisms to ensure the security and tamper-proofness of transaction data, effectively prevent data from being tampered with or lost, and can achieve the openness and transparency of transaction data. Participants can view and verify transaction information in real time, reducing the problem of information asymmetry.

[0032] 3. The present invention uses a decentralized blockchain architecture, with multiple nodes jointly performing operations. Each node records complete accounts to ensure that all parties involved in supervising the legitimacy of transactions can avoid the control of a single node, the tampering and forgery of transaction data, and the occurrence of collusion between auditors in the business to forge data. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] Figure 1 The figure is a flowchart of the factoring business sharing, cross-verification and collaborative processing method based on blockchain of the present invention;

[0034] Figure 2 This is a schematic diagram of the structure of the factoring business sharing, cross-verification and collaborative processing device based on blockchain of the present invention;

[0035] Figure 3 It is a schematic diagram of the structure of the blockchain platform of the present invention;

[0036] Figure 4 It is a schematic diagram of the structure of the electronic device of the present invention. DETAILED DESCRIPTION

[0037] Embodiments of the present invention are described in detail below, examples of which are shown in the accompanying drawings, wherein the same or similar symbols throughout represent the same or similar elements or elements with the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present invention, and cannot be understood as limiting the present invention.

[0038] The current factoring business in the industry has the following problems: the underlying transactions are prone to disputes, which will greatly reduce the guarantee effect of factoring financing and increase risks; the factoring business is huge in amount and complex in nature, and there is information asymmetry between core enterprises, factoring companies and suppliers, which makes it impossible to fully grasp the true situation of the business and increase operational risks; there is also the problem of forged accounts receivable, bills, etc., which increases legal risks.

[0039] In view of the above problems, the present invention provides a factoring business sharing, cross-verification and collaborative processing method based on blockchain. Figure 1 A flowchart of a factoring business sharing, cross-verification and collaborative processing method based on blockchain provided in an embodiment of the present invention, the method comprising:

[0040] S1. The supplier submits a factoring application and uploads the seller’s contract, bill, settlement statement, and test report data to the chain.

[0041] The supplier (seller) submits a factoring application, cooperates with the due diligence as required by the factoring company, and provides basic corporate information, sales contracts, settlement statements, invoices and other relevant data to be uploaded to the blockchain.

[0042] Based on the application, the factoring company can first review the seller's qualifications and upload the review data to the chain. After the review data is uploaded to the chain, all parties involved in the business can query the relevant information. If any party has disagreements on the supplier's qualifications, and the contracts, bills and other information provided, they can promptly provide feedback to the factoring company, terminate the factoring business in a timely manner, and reduce risks.

[0043] S2. The core enterprise uploads the buyer’s contracts, bills, settlement statements, and test report data to the chain.

[0044] The legal department of the core enterprise uploads relevant data such as coal procurement contracts to the chain through the contract management system. The legal department can view the contract data that the participating parties have uploaded to the chain through the blockchain system, and verify the authenticity of the contract data of the participating parties through the blockchain.

[0045] The core enterprise fuel company can upload various test indicators of different batches of coal to the chain according to the purchase contract. The fuel company can view the test data that the participating parties have uploaded to the chain through the blockchain system; and the authenticity of the test data of the participating parties can be verified through the blockchain.

[0046] Suppliers can also view the data that has been uploaded to the chain by participating parties and verify whether the submitted data has been tampered with.

[0047] S3. The blockchain cross-verifies the seller and buyer’s on-chain information and determines whether a factoring contract needs to be signed based on the cross-verification.

[0048] The blockchain platform cross-validates the data uploaded by the fuel node, e-commerce node and legal node, including:

[0049] The blockchain platform cross-verifies the contract data uploaded by the supplier with the contract data of the core enterprise’s legal department to determine whether the contract has been tampered with;

[0050] The blockchain platform cross-verifies the test report data uploaded by the supplier with the test report data uploaded by the core enterprise fuel company to determine whether the relevant data has been tampered with. If tampering has been found, the risk will be prompted.

[0051] The factoring company can view the results of the cross-validation, and can view its corresponding cross-validation process, and can trace the original data, and determine whether it is necessary to sign a factoring contract based on the above cross-validation data.

[0052] S4. After the factoring company signs the factoring contract, it will upload the factoring contract information and accounts receivable information to the chain.

[0053] If the cross-validation result data meets the requirements, the factoring company signs the factoring contract and puts the factoring contract information on the chain. At the same time, the factoring company also puts the execution information related to the accounts receivable on the chain. The participating parties can view the accounts receivable related information that has been put on the chain through the blockchain system and can verify the authenticity of the data.

[0054] Furthermore, after the factoring company signs the factoring contract, the seller notifies the buyer in the form of a receivables transfer notice. After the buyer stamps and confirms the notice, the relevant data of the receivables transfer notice will be uploaded to the chain.

[0055] S5. The buyer's legal department obtains factoring contract and accounts receivable information through blockchain to verify authenticity.

[0056] The legal department of a core enterprise can obtain factoring contracts and accounts payable information signed by factoring companies through blockchain, and can check the change records of factoring contracts to verify the authenticity of the data.

[0057] S6. The buyer makes payment based on verified true information.

[0058] When accounts receivable mature, the core enterprise pays, the factoring company settles the interest, and if there is a balance, it will be paid to the supplier, and the relevant data will be uploaded to the chain. After the data is uploaded to the chain, all parties involved can query the relevant information and share key information transparently.

[0059] The present invention also provides a factoring business sharing, cross-verification and collaborative processing device based on blockchain, such as Figure 2 As shown, the device includes: a seller module, a buyer module, a blockchain module and a factoring company module, etc.

[0060] When in use, the seller module obtains the supplier's (seller's) contract, bills, settlement sheets, and test sheet data and uploads them to the chain; the buyer module obtains the core enterprise's (buyer's) contract, bills, settlement sheets, and test sheet data and uploads them to the chain; the blockchain module cross-verifies the buyer and seller data and provides verification result data; the factoring company module provides verification result data to the factoring company based on the verification result data, obtains the factoring contract and accounts payable data and uploads them to the chain.

[0061] like Figure 3 As shown, the blockchain module includes an image recognition module, a text recognition module, a seal recognition module and an invoice recognition module. The image recognition module can be used to cross-verify the image data involved, the text recognition module can be used to cross-verify the text in the text data, the seal recognition module can be used to cross-verify the seals of contracts and other materials involving seals, and the invoice recognition module can be used to more accurately cross-verify the content of the invoice data.

[0062] The present invention is based on the factoring business process of blockchain, realizes business data information sharing, cross-verification, and collaborative processing of participants. The implementation of blockchain platform technology includes blockchain network and smart contracts, etc. The main function of blockchain network is storage. Smart contracts are computer programs or transaction protocols based on blockchain platform, which are decentralized, transparent and tamper-proof. Contract participants can automatically execute, manage or record events and activities with legal significance according to the conditions of the contract or agreement.

[0063] The factoring company uploads the supplier's (seller's) supply business information and account-related information to the blockchain network; the blockchain cross-verifies based on the data uploaded by the buyer and seller's fuel nodes, e-commerce nodes, legal nodes, etc.; after the verification, the factoring agency buys out the core enterprise's (buyer's) accounts payable debt; when the accounts receivable mature, the core enterprise pays, and the factoring company settles the interest; during the business process, all parties involved in the business can query the relevant on-chain information to achieve the purpose of information sharing.

[0064] By adopting the above method, after the present invention realizes the uploading of factoring business related data to the chain, the authenticity of the basic transaction and the quality risk of accounts receivable, operational risk and legal risk of accounts receivable transfer can be solved. The business participants can jointly verify the authenticity of the transaction information and judge whether there are defects in the data, which can effectively reduce business risks. The blockchain can be used to realize the openness and transparency of transaction data, and the participants can view and verify the transaction information in real time, reducing the problem of information asymmetry. The blockchain adopts a decentralized architecture, and multiple nodes jointly perform calculations. Each node records complete accounts and participates in supervising the legality of transactions, avoiding the control of a single node, tampering with, forging transaction data and auditing data. Problems caused by data.

[0065] The present invention also provides an electronic device, Figure 4 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention, such as Figure 4 As shown, the electronic device may include: a processor, a communications interface, a memory, and a communications bus, wherein the processor, the communications interface, and the memory communicate with each other via the communications bus. The processor may call the logic instructions in the memory, for example, to execute the following method:

[0066] S1. The supplier submits a factoring application and uploads the seller’s contract, bill, settlement statement, and test report data to the blockchain;

[0067] S2. The core enterprise uploads the buyer's contract, bill, settlement form, and test form data to the blockchain;

[0068] S3. The blockchain cross-verifies the seller and buyer’s on-chain information, and the factoring company determines whether a factoring contract needs to be signed based on the cross-verification results.

[0069] In addition, the logic instructions in the above-mentioned memory can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on such an understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art or the part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0070] An embodiment of the present invention further provides a non-transitory computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the method provided in each of the above embodiments is implemented, for example, including:

[0071] S1. The supplier submits a factoring application and uploads the seller’s contract, bill, settlement statement, and test report data to the blockchain;

[0072] S2. The core enterprise uploads the buyer's contract, bill, settlement form, and test form data to the blockchain;

[0073] S3. The blockchain cross-verifies the seller and buyer’s on-chain information, and the factoring company determines whether a factoring contract needs to be signed based on the cross-verification results.

[0074] The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative labor.

[0075] Through the description of the above implementation methods, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solution is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or some parts of the embodiments.

[0076] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A factoring business sharing, cross-verification and collaborative processing method based on blockchain, characterized in that: include: S1. The supplier submits a factoring application and uploads the seller’s contract, bill, settlement statement, and test report data to the blockchain; S2. The core enterprise uploads the buyer's contract, bill, settlement form, and test form data to the blockchain; S3. The blockchain cross-verifies the seller and buyer’s on-chain information, and the factoring company determines whether a factoring contract needs to be signed based on the cross-verification results.

2. The method according to claim 1, characterized in that: Also includes: S4. After the factoring company signs the factoring contract, it will upload the factoring contract information and accounts receivable information to the blockchain; S5. The buyer's legal department obtains the factoring contract and accounts receivable information through the blockchain and verifies the authenticity; S6. The buyer makes payment based on verified true information.

3. The method according to claim 2, characterized in that The cross validation includes: Use blockchain to cross-verify data uploaded from fuel nodes, e-commerce nodes, and legal nodes.

4. The method according to claim 2, characterized in that: The seller, buyer and factoring company can all view the on-chain data and cross-verification results.

5. The method according to claim 2, characterized in that: After the factoring company in S4 signs the factoring contract, the seller notifies the buyer in the form of a receivables transfer notice. After the buyer stamps and confirms the notice, the relevant data of the receivables transfer notice is uploaded to the chain.

6. A blockchain-based factoring business sharing, cross-verification and collaborative processing device based on the method according to any one of claims 1 to 5, characterized in that: include: The seller module obtains the seller's contract, bill, settlement sheet, and test sheet data and uploads them to the blockchain; The buyer module obtains the buyer's contract, bill, settlement sheet, and test sheet data and uploads them to the blockchain; The blockchain module cross-verifies the buyer and seller data and provides verification result data; The factoring company module provides verification result data for the factoring company, obtains factoring contracts and accounts payable data and uploads them to the chain.

7. The device according to claim 6, characterized in that The blockchain module includes an image recognition module, a text recognition module, a seal recognition module and an invoice recognition module.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of the method according to any one of claims 1 to 5 are implemented.

9. A non-transitory computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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