A bill processing method, device, electronic device, and storage medium

Abstract

An embodiment of the present invention discloses a bill processing method, device, electronic device, and storage medium, wherein the method includes: determining financing estimation information corresponding to a target bill based on bill information and endorsement record of a first user corresponding to the target bill, calling a smart contract to determine a second user matching the financing estimation information, and matching the financing amount for the target bill between the first user and the second user; when it is detected that the financing payment of the second user to the first user is completed according to the financing amount, performing a bill circulation operation on the target bill. By implementing the present invention, an efficient and secure financing solution is realized based on blockchain technology, and the security of the bill data circulation process is improved, thereby reducing the risk of bill circulation.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a bill processing method, device, electronic device, and storage medium. Background Art

[0002] Bills, as a convenient payment and settlement, financing, and monetary policy tool, meet the short-term funding needs of businesses and banks. Their role in pioneering interest rate liberalization has earned them significant attention from financial institutions and regulators. my country introduced electronic bills in 2009, operating both paper and electronic bills. Currently, the bill market is active and expanding rapidly. However, the traditional bill circulation process, owing to the involvement of centralized servers (such as bill centers), lacks transparency and is often subject to irregularities such as multiple sales of the same bill, list-based transactions, large-scale bridge sales, carrying bills with banks, and renting out accounts. This creates a high risk of bill circulation and a cumbersome financing process. Summary of the Invention

[0003] The embodiments of the present invention provide a bill processing method, device, electronic device, and storage medium, which realize an efficient and secure financing solution and are conducive to reducing the risks in the bill circulation process.

[0004] In one aspect, an embodiment of the present invention provides a bill processing method, which is applied to a node of a blockchain network and includes:

[0005] receiving a financing transaction for a target bill submitted by a first user, the financing transaction including identification information of the target bill;

[0006] Querying the endorsement record and bill information of the target bill from the blockchain according to the identification information of the target bill, and determining the financing estimate information corresponding to the target bill based on the bill information and the endorsement record, the financing estimate information including the estimated amount and financing risk information;

[0007] Invoking a smart contract to determine a second user matching the financing estimate information, and matching the financing amount for the target bill between the first user and the second user;

[0008] When it is detected that the second user completes the financing payment to the first user according to the financing amount, a bill circulation operation is performed on the target bill.

[0009] In another aspect, an embodiment of the present invention provides a bill processing device, comprising:

[0010] a communication module, configured to receive a financing transaction for a target bill submitted by a first user, wherein the financing transaction includes identification information of the target bill;

[0011] a processing module configured to query the blockchain for the endorsement record and bill information of the target bill based on the identification information of the target bill, and determine financing estimate information corresponding to the target bill based on the bill information and the endorsement record, the financing estimate information including an estimated amount and financing risk information;

[0012] The processing module is further configured to call a smart contract to determine a second user matching the financing estimate information, and to match a financing amount for the target bill between the first user and the second user;

[0013] The processing module is further configured to perform a bill circulation operation on the target bill when detecting that the financing payment by the second user to the first user is completed according to the financing amount.

[0014] On the other hand, an embodiment of the present invention provides an electronic device, including a processor, a memory and a communication interface, wherein the processor, the memory and the communication interface are interconnected, wherein the memory is used to store a computer program that supports a terminal to execute the above method, the computer program including program instructions, and the processor is configured to call the program instructions to perform the following steps: receiving a financing transaction for a target bill submitted by a first user through the communication interface, the financing transaction including identification information of the target bill; querying the endorsement record and bill information of the target bill from the blockchain based on the identification information of the target bill, and determining the financing estimation information corresponding to the target bill based on the bill information and the endorsement record, the financing estimation information including an estimated amount and financing risk information; calling a smart contract to determine a second user matching the financing estimation information, and matching the financing amount for the target bill between the first user and the second user; when it is detected that the financing payment of the second user to the first user is completed based on the financing amount, performing a bill circulation operation on the target bill.

[0015] In an embodiment of the present invention, after receiving a financing transaction for a target bill submitted by a first user, the target bill's endorsement record and bill information can be queried from the blockchain, and the financing estimate corresponding to the target bill can be determined based on the bill information and endorsement record. Furthermore, a smart contract can be invoked to identify a second user matching the financing estimate information, and the financing amount for the target bill can be matched between the first and second users. Upon detecting that the second user has completed the financing payment to the first user based on the financing amount, a bill transfer operation is performed on the target bill. This blockchain-based financing solution enables an efficient and secure financing solution, making the bill transfer process transparent and open, thereby improving the security of the bill data transfer process and reducing the risks of bill transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0017] Figure 1 This is a schematic diagram of the structure of a blockchain provided by an embodiment of the present invention;

[0018] Figure 2a This is a schematic diagram of the architecture of a bill processing system provided by an embodiment of the present invention;

[0019] Figure 2b This is a schematic diagram of an applicable scenario of a bill processing system provided by an embodiment of the present invention;

[0020] Figure 3 This is a flow chart of a bill processing method according to an embodiment of the present invention;

[0021] Figure 4 1 is a flow chart of another bill processing method according to an embodiment of the present invention;

[0022] Figure 5 This is a flow chart of another bill processing method according to an embodiment of the present invention;

[0023] Figure 6 This is a schematic structural diagram of a bill processing device according to an embodiment of the present invention;

[0024] Figure 7 It is a structural diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0025] At present, in the traditional bill circulation process, due to the intervention of centralized servers, the bill circulation process is not open and transparent enough. The bill circulation process usually involves violations such as selling one bill multiple times, list transactions, bridge sales, bringing bills with banks, and renting accounts, and the risk of bill circulation is relatively high.

[0026] To address the aforementioned issues, embodiments of the present invention propose a bill processing method. This method can be applied to nodes in a blockchain network. A node in the blockchain network can be any node connected to the blockchain network and can be any form of computing device, such as a server or user terminal. In one embodiment, a node in the blockchain network can receive a financing transaction for a target bill submitted by a first user. The financing transaction includes identification information of the target bill. Furthermore, based on the identification information of the target bill, the node can query the blockchain for endorsement records and bill information for the target bill. Based on the bill information and endorsement records, the node can determine financing estimates for the target bill. This financing estimate includes an estimated amount and financing risk information. Furthermore, a smart contract can be invoked to identify a second user matching the financing estimate information, match the financing amount for the target bill between the first and second users, and upon detecting that the second user has completed financing payment to the first user based on the financing amount, execute a bill transfer operation on the target bill. The first user can be a user holding the target bill, and can use the target bill for financing. The first user can be considered a financier, and the second user can be considered a contributor. The present invention can realize the circulation of bills through blockchain, solves the opacity of the traditional centralized management of bill circulation process, realizes an efficient and secure financing solution, and is conducive to improving the accuracy and credibility of bills in the circulation process and improving the security of bill circulation.

[0027] Blockchain is a distributed ledger that uses cryptography to ensure that data cannot be tampered with or forged by sequentially linked data blocks in chronological order. Multiple independent distributed nodes (i.e., nodes in a blockchain network) maintain identical records. Blockchain technology achieves decentralization and has become the cornerstone of trusted digital asset storage, transfer, and transactions.

[0028] by Figure 1 Taking the blockchain structure diagram shown in the figure as an example, whenever new data needs to be added to the blockchain, it is aggregated into a block and added to the end of the existing blockchain. A consensus algorithm ensures that the newly added blocks are identical on every node. Each block records several transactions and also includes the hash value of the previous block. In this way, all blocks store the hash value of the previous block and are linked sequentially to form the blockchain. The block header of the next block in the blockchain stores the hash value of the previous block. When the transaction data in the previous block changes, the hash value of the current block also changes. Therefore, transaction data uploaded to the blockchain network is difficult to tamper with. Transactions on the blockchain ensure transparency and improve the reliability of transaction data.

[0029] In order to better understand the bill processing method disclosed in the embodiment of the present invention, the blockchain system applicable to the embodiment of the present invention is first described below.

[0030] See Figure 2a , Figure 2a This is a schematic diagram of the architecture of a bill processing system disclosed in an embodiment of the present invention. Figure 2a As shown, the bill processing system includes at least one client 200 and a blockchain network 201, which includes at least one node 2010. Node 2010 can be a device corresponding to the participating institutions and regulatory agencies involved in the bill circulation process. Regulatory agencies can include banks, financial institutions, bill centers, tax agencies, judicial institutions, arbitration institutions, and notarial institutions, among other authoritative bodies. Participating institutions can be individual businesses or other participating organizations.

[0031] Specifically, participating institutions can submit qualification verification information to the regulatory agency (qualification verification information includes, for example, the institution name, institution code, registration time, legal person name, and legal person identity information). After the regulatory agency verifies the qualification verification information, it can enable the participating institution to become a participating node of the blockchain network and write the information of each participating node (including qualification verification information, public key, and timestamp) into the blockchain maintained by the blockchain network. Each authoritative institution participates as a blockchain accounting node. If a bill dispute arises between the first user and the second user in the future, the first and second users can use the corresponding blockchain data to efficiently make a judgment and subsequent judicial judgment.

[0032] Among them, see, for example, Figure 2b , the bill processing system provided by the embodiment of the present invention can be applied to any of the following scenarios: the link of the target bill on the chain (i.e., the bill issuance link), the circulation link of the target bill, and the acceptance link of the target bill. Among them, the circulation link of the target bill can be understood as the transfer link of the target bill. When the first user has a financing demand, he can obtain the corresponding funds by transferring the target bill he holds to the second user. The acceptance link of the target bill can be divided into two situations: the first is the process of using the target bill to apply for a discount at a bank or a bill center; the second is the process in which the seller of the target bill (i.e., the first user) completes the acceptance payment (for example, paying a certain amount of funds) to the buyer of the target bill (i.e., the second user), thereby redeeming the target bill.

[0033] By implementing the embodiments of the present invention, the target bill can be put on the blockchain during the bill issuance process, ensuring its authenticity. During the circulation and acceptance phases of the target bill, the target bill can be circulated and accepted through the blockchain, making the circulation and acceptance processes of the target bill public and transparent. This strengthens supervision of the circulation and acceptance processes of the target bills, reduces risks in these processes, and achieves an efficient and secure financing solution.

[0034] It can be understood that the bill processing system described in the embodiment of the present invention is for the purpose of more clearly illustrating the technical solution of the embodiment of the present invention, and does not constitute a limitation on the technical solution provided by the embodiment of the present invention. Ordinary technicians in this field can know that with the evolution of the system architecture and the emergence of new business scenarios, the technical solution provided by the embodiment of the present invention is also applicable to similar technical problems.

[0035] See also Figure 3 , is a flow chart of a bill processing method according to an embodiment of the present invention, which can be executed by a node of a blockchain network. The method according to an embodiment of the present invention includes the following steps.

[0036] S301: Receive a financing transaction for a target bill submitted by a first user, where the financing transaction includes identification information of the target bill.

[0037] S302: Based on the identification information of the target bill, the target bill's endorsement record and bill information are retrieved from the blockchain. Financing estimate information corresponding to the target bill is determined based on the bill information and endorsement record. The financing estimate information includes an estimated amount and financing risk information. The identification information of the target bill can be, for example, a unique identifier such as a bill number.

[0038] In one embodiment, a node of the blockchain network may receive an invoicing request for the target bill from the first user before receiving a financing transaction for the target bill submitted by the first user (the invoicing request includes the bill information of the target bill, and performs consensus verification on the bill information of the target bill with other nodes of the blockchain network. If the consensus verification is passed, a new block corresponding to the bill information of the target bill is generated, and the new block is added to the blockchain maintained by the blockchain network. Among them, the other nodes may include consensus nodes in the blockchain network, such as a tax bureau, a bank, a bill center, etc. The node of the blockchain network may be a device corresponding to the first user, such as a device corresponding to Enterprise A.

[0039] In one embodiment, after a node in a blockchain network receives a first user's request for issuance of a target bill, it may broadcast the bill information of the target bill contained in the issuance request to the entire blockchain network. Furthermore, consensus nodes in the blockchain network may perform consensus verification on the bill information of the target bill. Upon detecting that consensus verification of the bill information by all consensus nodes has been successful, the node may generate a new block corresponding to the bill information of the target bill and add the new block to the blockchain maintained by the blockchain network, thereby completing the on-chain posting of the bill information of the target bill, i.e., completing the bill issuance process. This consensus verification may include verification of legitimacy and authenticity, among other aspects, to help ensure the legitimacy and authenticity of the bill information posted on the blockchain.

[0040] In one embodiment, when a regulatory node in a blockchain network detects that the target bill's bill information has been uploaded to the blockchain, it can endorse the first user corresponding to the target bill based on its own business and generate endorsement information for the first user. For example, the node corresponding to the tax bureau can obtain the historical tax records of the first user corresponding to the target bill based on its own business, and determine whether the first user has evaded taxes based on the historical tax records. In this case, the tax bureau endorses the first user, and the endorsement information obtained represents the first user's tax situation. For another example, the node corresponding to the bank can obtain the first user's historical credit records such as loans, arrears, and defaults based on its own business, and determine whether the first user has historical loans, arrears, defaults, etc. based on the credit records. In this case, the bank endorses the first user, and the endorsement information obtained represents the first user's credit-related information (such as historical loans, arrears, defaults, etc.).

[0041] In one embodiment, nodes in the blockchain network can receive endorsement information from each supervisory node regarding the first user corresponding to the target bill, generate an endorsement record for the target bill based on the endorsement information from each supervisory node, and then write the endorsement record of the target bill into the blockchain. Subsequent nodes in the blockchain network can obtain the endorsement record of the target bill.

[0042] Furthermore, when the first user wants to obtain financing through the target bill he owns, he can send a financing transaction for the target bill to the node of the blockchain. After the node of the blockchain network receives the financing transaction for the target bill submitted by the first user, it can obtain the endorsement record and bill information of the target bill from the above-mentioned blockchain based on the identification information of the target bill carried in the financing transaction, and then determine the financing estimation information corresponding to the target bill based on the bill information and endorsement record. The financing estimation information includes the estimated amount and financing risk information.

[0043] The bill information may include the bill amount corresponding to the target bill, and the financing risk information may be a financing risk score. In one embodiment, a financing conversion ratio may be determined based on preset assessment rules and the endorsement record of the target bill, and the product of the bill amount and the financing conversion ratio may be used to determine the initial estimated amount. Furthermore, the initial estimated amount may be increased or decreased by a certain amount to determine at least one estimated amount. Each estimated amount corresponds to a financing risk score, with higher estimated amounts corresponding to higher financing risk scores.

[0044] For example, assuming the initial estimated amount is 2 million, the above-mentioned upward and downward amounts are both set to 200,000, and the financing risk score is set to 0 to 5, then the financing estimate information corresponding to the target bill determined based on the bill information and endorsement records can be shown as shown in Table 1-1.

[0045] Table 1-1

[0046] Estimated amount (10,000) Financing risk score 160 1 180 2 200 3 220 4 240 5

[0047] In one embodiment, the preset assessment rules may include at least one assessment item, assessment condition, and assessment score, such as shown in Table 1-2. In this case, a specific implementation method for determining the financing conversion ratio based on the preset assessment rules and the endorsement record of the target bill may include: traversing each assessment item and assessment condition included in the preset assessment rules based on the endorsement record of the target bill, determining the assessment score of the target bill in each assessment item, and then summing each assessment score to obtain a total assessment score. Furthermore, the financing conversion ratio may be determined based on the total score, based on the principle that the higher the total score, the smaller the financing conversion ratio.

[0048] Table 1-2

[0049]

[0050]

[0051] S303: Calling the smart contract to determine the second user who matches the financing estimate information, and matching the financing amount for the target bill between the first user and the second user.

[0052] In one embodiment, using a financing scenario as an example, a second user can be a contributing user. Each contributing user can pre-publish their bill purchase requirements on the blockchain through a smart contract, including information such as the pre-order amount and the qualifications of the company that the bill corresponds to. In this case, after the blockchain network node determines the financing estimate corresponding to the target bill, it can invoke the smart contract to identify a second user who matches the financing estimate and match the financing amount for the target bill between the first and second users.

[0053] Exemplarily, the financing estimate information includes an estimated amount, and the second user matching the financing estimate information may be a user corresponding to a pre-order amount closest to the estimated amount determined by calling the smart contract.

[0054] Furthermore, in one embodiment, after a node in the blockchain network identifies a second user matching the financing estimate information, it can match a transaction between the first and second users for the target instrument through a smart contract, thereby determining the financing amount for the target instrument between the first and second users. Once the transaction between the first and second users for the target instrument is successfully matched, the smart contract becomes effective. Once the relevant financial node (e.g., a bank) detects the effectiveness of the smart contract, it can complete the financing payment from the second user to the first user based on the financing amount.

[0055] For example, assuming the financing amount is 1 million yuan, the effective smart contract includes the bank account of the first user and the bank account of the second user. The node of the blockchain network can transfer 1 million yuan from the bank account of the second user to the bank account of the first user, thereby completing the financing payment from the second user to the first user.

[0056] S304: When it is detected that the second user completes the financing payment to the first user according to the financing amount, a bill circulation operation is performed on the target bill.

[0057] In one embodiment, the aforementioned bill transfer operation performed on the target bill may include locking the first user's permission to use the target bill. During the locking period, the first user cannot use the target bill, for example, to conduct further transactions using the target bill. The aforementioned bill transfer operation performed on the target bill may also include transferring the account address of the target bill on the blockchain from the first user's first account address to the second user's second account address, which can be understood as updating the ownership of the target bill from the first user to the second user.

[0058] In the embodiment of the present invention, an efficient and secure financing solution is implemented based on blockchain technology, and the processing of the bill circulation process is made open and transparent, and is witnessed by multiple nodes of the blockchain network, thereby improving the credibility and supervision of the bill circulation process. In addition, the relevant data in the entire circulation process (such as bill data, smart contracts, etc.) are tamper-proof, thereby improving the security of the bill data circulation process.

[0059] See also Figure 4 , is a flow chart of another bill processing method according to an embodiment of the present invention, which can be executed by a node of a blockchain network. The method according to an embodiment of the present invention includes the following steps.

[0060] S401: Receive a financing transaction for a target bill submitted by a first user, where the financing transaction includes identification information of the target bill.

[0061] S402: Query the endorsement record and bill information of the target bill from the blockchain according to the identification information of the target bill, and determine the financing estimate information corresponding to the target bill based on the bill information and endorsement record.

[0062] S403: Invoke the smart contract to identify a second user matching the financing estimate information, and match the financing amount for the target bill between the first and second users. The specific implementation of steps S401 through S403 can be found in the description of steps S301 through S303 in the above embodiment and will not be repeated here.

[0063] S404: When it is detected that the second user completes the financing payment to the first user according to the financing amount, the first user's right to use the target bill is locked.

[0064] S405: Update the first user's permission status for the target bill recorded in the smart contract, and broadcast the updated smart contract to other nodes in the blockchain network, so that other nodes can deploy the updated smart contract after passing the consensus verification of the updated smart contract.

[0065] In one embodiment, after a node in the blockchain network locks the first user's access rights to the target instrument, it can update the smart contract recording the first user's access rights to a locked state. The node then broadcasts the updated smart contract to other nodes in the blockchain network, prompting them to verify the updated smart contract and, after consensus verification, deploy the updated smart contract. Subsequently, all nodes in the blockchain network can query the updated smart contract to verify that the first user's access rights to the target instrument are locked. This approach helps prevent the first user from engaging in illegal transactions, such as using the target instrument again, and improves security during the instrument circulation process.

[0066] S406: Upon receiving the first bill acceptance request for the target bill submitted by the first user, the payment information between the first user and the second user is obtained. The updated smart contract includes the unlocking conditions for unlocking the use rights of the target bill. The payment information includes the payment purpose (e.g., redemption of the target bill), the payment amount, and the payment path (e.g., transfer from the first user's bank account to the second user's bank account).

[0067] S407: If it is detected that the payment information satisfies the unlocking condition in the updated smart contract, the first user's right to use the target bill is unlocked.

[0068] In one embodiment, during the process of a first user transferring a target bill to a second user, a smart contract can be used to agree on unlocking conditions for the first user's access to the target bill. This unlocking condition can, for example, be a transfer of a preset amount of assets to the second user. In this case, when the first user wishes to repurchase the target bill from the second user, an unlocking action can be performed to satisfy the unlocking conditions stipulated in the smart contract. This unlocking action can be a payment of a preset amount of assets to the second user. Furthermore, after the first user pays the preset amount of assets to the second user, a first bill acceptance request for the target bill can be submitted to a node of the blockchain network. Upon receiving the first bill acceptance request for the target bill submitted by the first user, the node can obtain payment information between the first and second users, parse the payment information, and determine the corresponding payment purpose, payment amount, and payment path. If it is detected that the purpose is for the target bill, the payment path is a transfer from the first user's bank account to the second user's bank account, and the payment amount is greater than or equal to the preset amount, it can be determined that the payment information satisfies the unlocking conditions in the updated smart contract, thereby unlocking the first user's access to the target bill.

[0069] Furthermore, in one embodiment, after the node of the blockchain network unlocks the first user's right to use the target bill, the lock status of the first user's right to use the target bill recorded in the smart contract can be deleted.

[0070] In the embodiment of the present invention, the acceptance process of the target bill is implemented based on blockchain technology, making the processing of the bill acceptance process open and transparent, which is conducive to improving the security of bill acceptance.

[0071] See also Figure 5 , is a flow chart of another bill processing method according to an embodiment of the present invention, which can be executed by a node of a blockchain network. The method according to an embodiment of the present invention includes the following steps.

[0072] S501: Receive a financing transaction for a target bill submitted by a first user, where the financing transaction includes identification information of the target bill.

[0073] S502: Query the endorsement record and bill information of the target bill from the blockchain according to the identification information of the target bill, and determine the financing estimate information corresponding to the target bill based on the bill information and the endorsement record.

[0074] S503: Invoke the smart contract to identify a second user matching the financing estimate information, and match the financing amount for the target bill between the first and second users. The specific implementation of steps S501 through S503 can be found in the description of steps S301 through S303 in the above embodiment and will not be repeated here.

[0075] S504: When it is detected that the second user has completed the financing payment to the first user according to the financing amount, a first account address of the first user on the blockchain and a second account address of the second user on the blockchain are obtained, and the account address of the target bill on the blockchain is transferred from the first account address to the second account address.

[0076] S505: When detecting a second bill acceptance request for the target bill sent by the second user to the acceptance node, obtaining an account address corresponding to the target bill.

[0077] S506: If it is detected that the account address corresponding to the target bill is the second account address, a prompt message is output to the acceptance node. The prompt message is used to prompt that the account address corresponding to the target bill is the second account address, so that after receiving the prompt message, the acceptance node can complete the acceptance payment to the second user based on the second bill acceptance request.

[0078] The acceptance node may be a node corresponding to a bill center or a financial institution (such as a bank). When a second user wishes to apply for a discount using the target bill from the bill center or financial institution, the second user may send a second bill acceptance request for the target bill to the acceptance node in the blockchain network. The acceptance node may broadcast the second bill acceptance request to the entire blockchain network. When the node in the blockchain network detects the second bill acceptance request for the target bill sent by the second user to the acceptance node, the node may obtain the account address corresponding to the target bill and detect whether the account address corresponding to the target bill is the second account address. If so, it indicates that the target bill belongs to the second user. The node may output a prompt message to the acceptance node indicating that the account address corresponding to the target bill is the second account address. After receiving the prompt message, the acceptance node may determine that the target bill belongs to the second user and may then complete the acceptance payment to the second user based on the second bill acceptance request.

[0079] In one embodiment, the second bill acceptance request includes the acceptance amount and the bank account of the second user. The specific implementation method of the acceptance node completing the acceptance payment to the second user based on the second bill acceptance request includes: transferring assets of the acceptance amount to the bank account of the second user to complete the acceptance payment to the second user.

[0080] S507: When it is detected that the acceptance node completes the acceptance payment to the second user, the account address of the target bill on the blockchain is transferred from the second account address to the account address corresponding to the acceptance node.

[0081] In one embodiment, when it is detected that the acceptance node completes the acceptance payment to the second user, the account address of the target bill on the blockchain can be transferred from the second account address to the account address corresponding to the acceptance node, thereby realizing the process of the second user applying for a discount through the target bill based on the blockchain.

[0082] An embodiment of the present invention further provides a computer storage medium, in which program instructions are stored. When the program instructions are executed, they are used to implement the corresponding methods described in the above embodiments.

[0083] See also Figure 6 , is a structural diagram of a bill processing device according to an embodiment of the present invention. The bill processing device according to the embodiment of the present invention can be set in a node of a blockchain network.

[0084] In one implementation of the device according to an embodiment of the present invention, the device includes the following structure.

[0085] The communication module 60 is configured to receive a financing transaction for a target bill submitted by a first user, wherein the financing transaction includes identification information of the target bill;

[0086] Processing module 61, configured to query the blockchain for the endorsement record and bill information of the target bill based on the identification information of the target bill, and determine financing estimate information corresponding to the target bill based on the bill information and the endorsement record, wherein the financing estimate information includes an estimated amount and financing risk information;

[0087] The processing module 61 is further configured to call a smart contract to determine a second user matching the financing estimate information, and to match the financing amount for the target bill between the first user and the second user;

[0088] The processing module 61 is further configured to perform a bill circulation operation on the target bill when detecting that the second user completes the financing payment to the first user according to the financing amount.

[0089] In one embodiment, the processing module 61 is specifically used to lock the first user's permission to use the target bill; update the first user's permission to use the target bill recorded in the smart contract, and broadcast the updated smart contract to other nodes of the blockchain network through the communication module 60, so that the other nodes deploy the updated smart contract after passing the consensus verification of the updated smart contract.

[0090] In one embodiment, the updated smart contract includes an unlocking condition for unlocking the right to use the target bill. The processing module 61 is also used to obtain the payment information between the first user and the second user when a first bill acceptance request for the target bill submitted by the first user is received through the communication module 60; if it is detected that the payment information meets the unlocking condition in the updated smart contract, the lock on the first user's right to use the target bill is released.

[0091] In one embodiment, the processing module 61 is further specifically configured to obtain a first account address of the first user on the blockchain and a second account address of the second user on the blockchain; and transfer the account address of the target bill on the blockchain from the first account address to the second account address.

[0092] In one embodiment, the processing module 61 is also used to obtain the account address corresponding to the target bill when it is detected through the communication module 60 that the second user sends a second bill acceptance request for the target bill to the acceptance node; if it is detected that the account address corresponding to the target bill is the second account address, a prompt message is output to the acceptance node through the communication module 60, and the prompt message is used to prompt that the account address corresponding to the target bill is the second account address, so that the acceptance node completes the acceptance payment to the second user based on the second bill acceptance request after receiving the prompt message; when it is detected that the acceptance node completes the acceptance payment to the second user, the account address of the target bill on the blockchain is transferred from the second account address to the account address corresponding to the acceptance node.

[0093] In one embodiment, the communication module 60 is further used to receive a first user's billing request for a target bill, wherein the billing request includes bill information of the target bill; the processing module 61 is further used to perform consensus verification on the bill information of the target bill with other nodes of the blockchain network; if the consensus verification is passed, a new block corresponding to the bill information of the target bill is generated, and the new block is added to the blockchain maintained by the blockchain network.

[0094] In one embodiment, the party communication module 60 is further used to receive endorsement information of the first user corresponding to the target bill sent by each regulatory node; the processing module 61 is further used to generate an endorsement record of the target bill based on the endorsement information of the first user corresponding to the target bill sent by each regulatory node; and write the endorsement record of the target bill into the blockchain.

[0095] In the embodiment of the present invention, the specific implementation of each of the above modules can refer to the description of the relevant content in the embodiments corresponding to the above-mentioned figures.

[0096] See also Figure 7 , is a schematic diagram of the structure of an electronic device according to an embodiment of the present invention. The electronic device according to the embodiment of the present invention includes a power supply module and other structures, and includes a processor 701, a storage device 702, and a communication interface 703. The processor 701, the storage device 702, and the communication interface 703 can exchange data, and the processor 701 implements the corresponding bill processing function.

[0097] The storage device 702 may include a volatile memory, such as a random-access memory (RAM); the storage device 702 may also include a non-volatile memory, such as a flash memory, a solid-state drive (SSD), etc.; the storage device 702 may also include a combination of the above types of memory.

[0098] The processor 701 may be a central processing unit (CPU) 701. In one embodiment, the processor 701 may also be a graphics processing unit (GPU) 701. The processor 701 may also be a combination of a CPU and a GPU. In the electronic device, multiple CPUs and GPUs may be included as needed to perform corresponding bill processing. In one embodiment, the storage device 702 is used to store program instructions. The processor 701 may call the program instructions to implement the various methods involved in the above-mentioned embodiments of the present invention.

[0099] In a first possible implementation, the processor 701 of the electronic device invokes program instructions stored in the storage device 702 to receive, through the communication interface 703, a financing transaction for a target instrument submitted by a first user, where the financing transaction includes identification information of the target instrument.

[0100] According to the identification information of the target bill, the endorsement record and bill information of the target bill are queried from the blockchain, and the financing estimate information corresponding to the target bill is determined based on the bill information and the endorsement record, and the financing estimate information includes an estimated amount and financing risk information; a smart contract is called to determine a second user who matches the financing estimate information, and the financing amount for the target bill between the first user and the second user is matched; when it is detected that the financing payment of the second user to the first user is completed according to the financing amount, a bill circulation operation is performed on the target bill.

[0101] In one embodiment, the processor 701 is specifically configured to lock the first user's permission to use the target bill; update the first user's permission to use the target bill recorded in the smart contract, and broadcast the updated smart contract to other nodes of the blockchain network through the communication interface 703, so that the other nodes deploy the updated smart contract after consensus verification of the updated smart contract is passed.

[0102] In one embodiment, the updated smart contract includes an unlocking condition for unlocking the right to use the target bill. The processor 701 is also used to obtain payment information between the first user and the second user when a first bill acceptance request for the target bill submitted by the first user is received through the communication interface 703; if it is detected that the payment information meets the unlocking condition in the updated smart contract, the first user's right to use the target bill is unlocked.

[0103] In one embodiment, the processor 701 is further specifically configured to obtain a first account address of the first user on the blockchain and a second account address of the second user on the blockchain; and transfer the account address of the target bill on the blockchain from the first account address to the second account address.

[0104] In one embodiment, the processor 701 is also used to obtain the account address corresponding to the target bill when detecting through the communication interface 703 that the second user sends a second bill acceptance request for the target bill to the acceptance node; if it is detected that the account address corresponding to the target bill is the second account address, a prompt message is output to the acceptance node through the communication interface 703, and the prompt message is used to prompt that the account address corresponding to the target bill is the second account address, so that after receiving the prompt message, the acceptance node completes the acceptance payment to the second user based on the second bill acceptance request; when it is detected that the acceptance node completes the acceptance payment to the second user, the account address of the target bill on the blockchain is transferred from the second account address to the account address corresponding to the acceptance node.

[0105] In one embodiment, the communication interface 703 is further used to receive a first user's billing request for a target bill, where the billing request includes bill information of the target bill; the processor 701 is further used to perform consensus verification on the bill information of the target bill with other nodes of the blockchain network; if the consensus verification is passed, a new block corresponding to the bill information of the target bill is generated, and the new block is added to the blockchain maintained by the blockchain network.

[0106] In one embodiment, the party communication interface 703 is further used to receive endorsement information of the first user corresponding to the target bill sent by each regulatory node; the processor 701 is further used to generate an endorsement record of the target bill based on the endorsement information of the first user corresponding to the target bill sent by each regulatory node; and write the endorsement record of the target bill into the blockchain.

[0107] In the embodiment of the present invention, the specific implementation of the processor 701 can refer to the description of the relevant content in the embodiments corresponding to the aforementioned figures.

[0108] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing related hardware through a computer program. The program can be stored in a computer-readable storage medium, and when executed, the program can include the processes in the above-described method embodiments. The storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0109] The above disclosure is only part of the embodiments of the present invention, which certainly cannot be used to limit the scope of the rights of the present invention. Ordinary technicians in this field can understand that implementing all or part of the processes of the above embodiments and making equivalent changes in accordance with the claims of the present invention still fall within the scope of the invention.

Claims

1. A bill processing method, characterized in that: The method is applied to a node of a blockchain network, and the method includes: receiving a financing transaction for a target bill submitted by a first user, the financing transaction including identification information of the target bill; Querying the endorsement record and bill information of the target bill from the blockchain according to the identification information of the target bill; wherein the endorsement record includes endorsement information of the first user by a supervisory node in the blockchain network; Determining financing estimate information corresponding to the target bill based on the bill information and the endorsement information of the first user by the supervisory node, the financing estimate information including an estimated amount and financing risk information, and the endorsement information including endorsement information generated by a node corresponding to the tax bureau based on the first user's historical tax records and endorsement information generated by a node corresponding to the bank based on the first user's credit record; the endorsement information generated by the node corresponding to the tax bureau is used to represent the tax situation of the first user, and the endorsement information generated by the node corresponding to the bank is used to represent the credit information of the first user; Invoking a smart contract to determine a second user matching the financing estimate information, and matching the financing amount for the target bill between the first user and the second user; When it is detected that the second user completes the financing payment to the first user according to the financing amount, performing a bill circulation operation on the target bill; The bill information includes the bill amount corresponding to the target bill, and the financing risk information includes a financing risk score corresponding to each estimated amount in at least one estimated amount; and determining the financing estimation information corresponding to the target bill based on the bill information and the endorsement information of the first user by the supervisory node includes: traversing each evaluation item and evaluation condition included in a preset evaluation rule based on the endorsement information of the first user by the supervision node, and determining an evaluation score of the target bill in each evaluation item; Summing up the assessment scores of the various assessment items to obtain a total assessment score, and determining the financing conversion ratio based on the total assessment score; Determine the product of the bill amount corresponding to the target bill and the financing conversion ratio as the initial estimated amount; Determining at least one estimated amount and a financing risk score corresponding to each estimated amount based on the initial estimated amount, the upward floating amount, or the downward floating amount; The method further comprises: receiving endorsement information of the first user corresponding to the target bill sent by each supervisory node; generating an endorsement record of the target bill based on the endorsement information of the first user corresponding to the target bill sent by each supervisory node; Writing the endorsement record of the target bill into the blockchain.

2. The method according to claim 1, characterized in that The performing of the bill circulation operation on the target bill includes: Locking the first user's permission to use the target ticket; Updating the first user's permission status for using the target bill recorded in the smart contract; Broadcast the updated smart contract to other nodes of the blockchain network so that the other nodes can deploy the updated smart contract after passing the consensus verification of the updated smart contract.

3. The method according to claim 2, characterized in that The updated smart contract includes an unlocking condition for unlocking the right to use the target bill. After updating the first user's right to use the target bill recorded in the smart contract, the method further includes: When receiving a first bill acceptance request for the target bill submitted by the first user, obtaining payment information between the first user and the second user; If it is detected that the payment information satisfies the unlocking condition in the updated smart contract, the lock on the first user's right to use the target bill is released.

4. The method according to claim 1, wherein The performing of the bill circulation operation on the target bill includes: Obtaining a first account address of the first user on the blockchain and a second account address of the second user on the blockchain; Transferring the account address to which the target note belongs on the blockchain from the first account address to the second account address.

5. The method according to claim 4, characterized in that After transferring the account address to which the target bill belongs from the first account address to the second account address, the method further includes: When detecting a second bill acceptance request for the target bill sent by the second user to the acceptance node, obtaining an account address corresponding to the target bill; If it is detected that the account address corresponding to the target bill is the second account address, outputting a prompt message to the acceptance node, wherein the prompt message is used to indicate that the account address corresponding to the target bill is the second account address, so that the acceptance node can complete the acceptance payment to the second user based on the second bill acceptance request after receiving the prompt message; Upon detecting that the acceptance node completes the acceptance payment to the second user, the account address of the target bill on the blockchain is transferred from the second account address to the account address corresponding to the acceptance node.

6. The method according to any one of claims 1 to 5, characterized in that Before receiving the financing transaction for the target bill submitted by the first user, the method further includes: receiving a first user's billing request for a target bill, wherein the billing request includes bill information of the target bill; Performing consensus verification on the target note information with other nodes of the blockchain network; If the consensus verification passes, a new block corresponding to the bill information of the target bill is generated, and the new block is added to the blockchain maintained by the blockchain network.

7. A bill processing device, characterized in that: include: a communication module, configured to receive a financing transaction for a target bill submitted by a first user, wherein the financing transaction includes identification information of the target bill; a processing module, configured to query the blockchain for an endorsement record and bill information of the target bill based on the identification information of the target bill; wherein the endorsement record includes endorsement information of the first user by a supervisory node in the blockchain network; The processing module is further configured to determine financing estimate information corresponding to the target bill based on the bill information and the endorsement information of the first user by the supervisory node, the financing estimate information including an estimated amount and financing risk information, and the endorsement information including endorsement information generated by a node corresponding to the tax bureau based on the first user's historical tax records and endorsement information generated by a node corresponding to the bank based on the first user's credit record; the endorsement information generated by the node corresponding to the tax bureau is used to represent the tax situation of the first user, and the endorsement information generated by the node corresponding to the bank is used to represent the credit information of the first user; The processing module is further configured to call a smart contract to determine a second user matching the financing estimate information, and to match a financing amount for the target bill between the first user and the second user; The processing module is further configured to perform a bill circulation operation on the target bill upon detecting that the financing payment by the second user to the first user is completed according to the financing amount; The bill information includes the bill amount corresponding to the target bill, and the financing risk information includes a financing risk score corresponding to each estimated amount in at least one estimated amount; the processing module is specifically configured to: traversing each evaluation item and evaluation condition included in a preset evaluation rule based on the endorsement information of the first user by the supervision node, and determining an evaluation score of the target bill in each evaluation item; Summing up the assessment scores of the various assessment items to obtain a total assessment score, and determining the financing conversion ratio based on the total assessment score; Determine the product of the bill amount corresponding to the target bill and the financing conversion ratio as the initial estimated amount; Determining at least one estimated amount and a financing risk score corresponding to each estimated amount based on the initial estimated amount, the upward floating amount, or the downward floating amount; The communication module is further configured to receive endorsement information of the first user corresponding to the target bill sent by each supervisory node; The processing module is further configured to generate an endorsement record of the target bill based on the endorsement information of the first user corresponding to the target bill sent by each regulatory node; and write the endorsement record of the target bill into the blockchain.

8. An electronic device, characterized in that: The method comprises a processor, a memory and a communication interface, wherein the processor, the memory and the communication interface are connected to each other, wherein the memory is used to store computer program instructions, and the processor is configured to execute the program instructions to implement the method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer program instructions, which, when executed by a processor, are used to execute the bill processing method according to any one of claims 1 to 6.

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