Financing method, system and computer-readable storage medium based on blockchain

Abstract

The present application provides a blockchain-based financing method, a blockchain-based financing system, and a computer-readable storage medium; the method relates to the field of blockchain technology and includes: a transaction platform node deploying a smart contract for defining transaction conditions in a blockchain network; a receiving node uploading transaction data representing transaction details between the receiving node and a supplier node to the blockchain network; a supplier node generating a financing application based on the transaction data and uploading the financing application to the blockchain network; an investor node generating and broadcasting an audit result corresponding to the financing application; a consensus node verifying the legitimacy of the audit result and, upon successful verification, calling the smart contract corresponding to the transaction data to respond to the audit result; and a consensus node consensually agreeing on the response to the audit result and packaging the response to the financing application into a block and writing it to the blockchain ledger. The present disclosure enables all participating parties to efficiently and accurately complete the financing process under the constraints of the smart contract.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and more specifically, to a blockchain-based financing method, a blockchain-based financing system, and a computer-readable storage medium. Background Art

[0002] In the financial sector, investors often receive financing requests from various parties. These requests typically include financing application information for investor qualification review. Currently, this review is typically conducted manually. However, manual review is prone to loopholes and low accuracy. Furthermore, given the complexity of the financing process, manual review can lead to lower financing efficiency.

[0003] It should be noted that the information disclosed in the above background technology section is only used to enhance the understanding of the background of this application, and therefore may include information that does not constitute prior art known to ordinary technicians in this field. Summary of the Invention

[0004] The purpose of this application is to provide a blockchain-based financing method, a blockchain-based financing system and a computer-readable storage medium, which enable all participants to complete the financing process efficiently and accurately under the constraints of smart contracts based on blockchain technology.

[0005] Other features and advantages of the present application will become apparent from the following detailed description, or may be learned in part by practice of the present application.

[0006] According to one aspect of the present application, a blockchain-based financing method is provided. The blockchain network includes multiple nodes, and the multiple nodes include a trading platform node, a receiver node, a supplier node, an investor node, and a consensus node. The method includes:

[0007] The trading platform node deploys smart contracts in the blockchain network to define transaction conditions;

[0008] The receiving node uploads the transaction data representing the transaction details between the receiving node and the supplier node to the blockchain network;

[0009] The supplier node generates a financing application based on the transaction data and uploads the financing application to the blockchain network;

[0010] The investor node generates the review results corresponding to the financing application and broadcasts the review results;

[0011] The consensus node verifies the legitimacy of the audit results. After successful verification, it calls the smart contract corresponding to the transaction data to respond to the audit results.

[0012] The consensus nodes reach a consensus on the response results of the audit results and package the response results of the audit results into blocks and write them into the blockchain ledger.

[0013] On the one hand, a blockchain-based financing system is provided, comprising:

[0014] Trading platform nodes, used to deploy smart contracts that define transaction conditions in the blockchain network;

[0015] The receiving node is used to upload transaction data representing transaction details between the receiving node and the supplier node to the blockchain network;

[0016] The supplier node is used to generate a financing application based on the transaction data and upload the financing application to the blockchain network;

[0017] The investor node is used to generate and broadcast the review results corresponding to the financing application;

[0018] The consensus node is used to verify the legitimacy of the audit results. After successful verification, the smart contract corresponding to the transaction data is called to respond to the audit results;

[0019] The consensus node is also used to reach consensus on the response results of the review results and package the response results of the financing application into blocks and write them into the blockchain ledger.

[0020] In an exemplary embodiment of the present application, the multiple nodes further include a certificate issuer node, and the system further includes:

[0021] The certificate issuing node is used to generate certificates corresponding to the trading platform node, receiver node, supplier node, and investor node respectively;

[0022] The certificate issuer node is also used to generate a certificate chain request based on the certificate;

[0023] The certificate issuing node is also used to sign the certificate chain request using the private key corresponding to the certificate issuing node;

[0024] The certificate issuer node is also used to broadcast the signed certificate chain request;

[0025] The consensus node is also used to verify the legitimacy of the signed certificate chain request using the public key corresponding to the certificate issuer node;

[0026] The consensus node is also used to call the smart contract corresponding to the transaction data to respond to the certificate chain request after successful verification;

[0027] The consensus node is also used to reach consensus on the response results of the certificate chain request, and package the response results of the certificate chain request into blocks and write them into the blockchain ledger.

[0028] In an exemplary embodiment of the present application, the consensus node is further configured to call the smart contract corresponding to the transaction data to respond to the certificate chain request after successful verification, including:

[0029] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the certificate, and verifies the existence of the certificate through the digest hash. If the certificate does not exist, the digest hash corresponding to the certificate and the certificate are written into the smart contract corresponding to the transaction data in the form of key values.

[0030] In an exemplary embodiment of the present application, after the consensus node packages the response result of the certificate chain request into a block and writes it into the blockchain ledger, the certificate issuer node is also used to store the digest hash corresponding to the certificate;

[0031] The certificate issuer node is also used to feedback the digest hash of the corresponding certificate to the trading platform node, receiver node, supplier node and investor node respectively.

[0032] In an exemplary embodiment of the present application, a transaction platform node is used to deploy a smart contract for defining transaction conditions in a blockchain network, including:

[0033] The trading platform node generates a smart contract deployment request; the smart contract deployment request includes the smart contract and the public key corresponding to the trading platform node;

[0034] The trading platform node signs the smart contract deployment request using the private key corresponding to the trading platform node;

[0035] The trading platform node broadcasts the signed smart contract deployment request;

[0036] The consensus node verifies the legitimacy of the signed smart contract deployment request based on the public key corresponding to the trading platform node;

[0037] The consensus node responds to the smart contract deployment request after successful verification;

[0038] The consensus nodes reach consensus on the response results of the smart contract deployment request and package the response results of the smart contract deployment request into blocks and write them into the blockchain ledger.

[0039] In an exemplary embodiment of the present application, a receiving node is configured to upload transaction data representing transaction details between the receiving node and the supplier node to a blockchain network, including:

[0040] The receiving node signs the transaction data using the private key corresponding to the receiving node and broadcasts the transaction data;

[0041] The consensus node verifies the signed transaction data based on the public key corresponding to the receiving node. If the verification is successful, the smart contract corresponding to the transaction data is called to respond to the transaction data.

[0042] The consensus nodes reach consensus on the response results of the transaction data and package the response results of the transaction data into blocks and write them into the blockchain ledger.

[0043] In an exemplary embodiment of the present application, the consensus node is configured to call the smart contract corresponding to the transaction data to respond to the audit result after successful verification, including:

[0044] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data corresponding to the supplier node; if so, the asset data is frozen; if not, the asset data is split to obtain the asset sub-data corresponding to the financing data and the asset sub-data is frozen.

[0045] In an exemplary embodiment of the present application, the supplier node is further configured to broadcast the confirmed repayment result corresponding to the financing application after the consensus node packages the response result of the audit result into a block and writes it into the blockchain ledger;

[0046] The consensus node is also used to verify the legitimacy of the confirmed repayment results. After successful verification, the smart contract corresponding to the transaction data is called to respond to confirm the repayment results and destroy the frozen asset data or asset sub-data;

[0047] The consensus node is also used to reach a consensus on the response results of confirming the repayment results and package the response results of confirming the repayment results into blocks and write them into the blockchain ledger.

[0048] In one aspect, a user node is provided, comprising: a memory storing computer-readable instructions; and a processor reading the computer-readable instructions stored in the memory to implement the above method.

[0049] In one aspect, a computer program medium is provided, on which computer-readable instructions are stored. When the computer-readable instructions are executed by a processor of a computer, the above method is implemented.

[0050] The exemplary embodiments of the present application may have some or all of the following beneficial effects:

[0051] In a blockchain-based financing method provided in an example embodiment of the present application, a transaction platform node can deploy a smart contract within the blockchain network to define transaction conditions. Furthermore, a receiving node can upload transaction data representing transaction details between the receiving node and the supplier node to the blockchain network. Furthermore, the supplier node can generate a financing application based on the transaction data and upload the financing application to the blockchain network. Furthermore, the investor node can generate and broadcast a review result corresponding to the financing application. Furthermore, a consensus node can verify the legitimacy of the review result. Upon successful verification, it can invoke the smart contract corresponding to the transaction data to respond to the review result, reach consensus on the review result, and package the review result into a block and write it to the blockchain ledger. According to the above-described scheme, blockchain technology enables all participating parties to complete the financing process efficiently and accurately within the constraints of the smart contract. Furthermore, the blockchain's storage of data related to the financing process can improve the accuracy, traceability, and immutability of the data related to the financing process.

[0052] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] The accompanying drawings are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present application, and together with the specification, are used to explain the principles of the present application. Obviously, the drawings described below are only some embodiments of the present application, and those skilled in the art can derive other drawings based on these drawings without inventive effort.

[0054] Figure 1 An optional structural diagram of a blockchain-based financing system is shown;

[0055] Figure 2 An optional schematic diagram of a block structure suitable for implementing an embodiment of the present application is shown;

[0056] Figure 3 The following schematically shows a flowchart of a blockchain-based financing method according to one embodiment of the present application;

[0057] Figure 4 The following schematically shows a flowchart of a blockchain-based financing method according to one embodiment of the present application;

[0058] Figure 5 The following schematically shows an architecture diagram of a blockchain-based financing system according to one embodiment of the present application;

[0059] Figure 6 The following schematically shows an architecture diagram of a blockchain-based financing system according to an embodiment of the present application. DETAILED DESCRIPTION

[0060] Example embodiments will now be described more fully with reference to the accompanying drawings. However, example embodiments can be implemented in various forms and should not be construed as limited to the examples set forth herein; on the contrary, these embodiments are provided so that this application will be more comprehensive and complete and the concepts of the example embodiments will be fully conveyed to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, many specific details are provided to provide a full understanding of the embodiments of the present application. However, those skilled in the art will appreciate that the technical solutions of the present application may be practiced while omitting one or more of the specific details, or that other methods, components, devices, steps, etc. may be employed. In other cases, well-known technical solutions are not shown or described in detail to avoid obscuring various aspects of the present application.

[0061] In addition, the accompanying drawings are merely schematic illustrations of the present application and are not necessarily drawn to scale. Identical reference numerals in the figures denote identical or similar parts, and thus repetitive descriptions thereof will be omitted. Some of the blocks shown in the accompanying drawings are functional entities that do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in software, in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0062] The system involved in the embodiment of the present invention can be a blockchain-based financing system formed by connecting a client 300 and multiple user nodes (any form of computing device in the access network, such as a server, a user terminal) through network communication.

[0063] Taking the blockchain-based financing system as an example, see Figure 1 , Figure 1 This is an optional structural diagram of the blockchain-based financing system 100 provided by an embodiment of the present invention, which is composed of a trading platform node, a certificate issuer node, a receiver node, a supplier node, an investor node, a consensus node (any form of computing device in the access network, such as a server, a user terminal) and a client. The above nodes form a peer-to-peer (P2P) network. The P2P protocol is an application layer protocol running on the Transmission Control Protocol (TCP).

[0064] Specifically, the certificates corresponding to trading platform node 200, recipient node 201, supplier node 202, and investor node 203 are generated and broadcast by certificate issuing node 204. Consensus nodes 205, 206, 207, 208, or 209 then verify, agree upon, package, and write the certificates into blocks on the blockchain. Furthermore, trading platform node 200 can deploy smart contracts within the blockchain network to define transaction conditions. The receiving node 201 can generate transaction data for representing the transaction details between the receiving node and the supplier node and broadcast the transaction data, and then verify and reach consensus through the consensus node 205, consensus node 206, consensus node 207, consensus node 208 or consensus node 209 in the blockchain network, and write the response result of the smart contract to the transaction data into the blockchain; the supplier node 202 can generate a financing application based on the above transaction data and broadcast the financing application, and then verify and reach consensus through the consensus node 205, consensus node 206, consensus node 207, consensus node 208 or consensus node 209 in the blockchain network, and write the response result of the smart contract to the transaction data into the blockchain. The response result of the contract to the financing application is written into the blockchain; the investor node 203 can generate an audit result corresponding to the financing application and sign the audit result through the private key corresponding to the investor node 203, and then broadcast the signed audit result; further, the consensus node 205, consensus node 206, consensus node 207, consensus node 208 or consensus node 209 in the blockchain network verifies the signed audit result through the public key corresponding to the investor node 203. If the verification is successful, the smart contract corresponding to the transaction data is called to respond to the audit result, as well as the response result of the consensus audit result, and the response result of the audit result is packaged into a block and written into the blockchain account book.

[0065] In a blockchain-based financing system, any machine, such as a server or terminal, can join and become a node. A node comprises a hardware layer, an intermediate layer, an operating system layer, and an application layer. A server serving as a node can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. A terminal can be, but is not limited to, a smartphone, tablet computer, laptop computer, desktop computer, smart speaker, smartwatch, etc. The terminal and server can be connected directly or indirectly via wired or wireless communication, which is not a limitation of this application.

[0066] It should be noted that the aforementioned cloud servers can provide basic cloud computing services using cloud technology. Cloud technology refers to a hosting technology that unifies hardware, software, network and other resources within a wide area network or local area network to achieve data computing, storage, processing and sharing.

[0067] It should also be noted that the aforementioned basic cloud computing services, including cloud computing, refer to the delivery and usage model of IT infrastructure, which means obtaining required resources through the network in an on-demand, scalable manner. Broadly speaking, cloud computing refers to the delivery and usage model of services, which means obtaining required services through the network in an on-demand, scalable manner. These services can be IT-related, software-related, internet-related, or other services. Cloud computing is the product of the integration of traditional computer and network technologies such as grid computing, distributed computing, parallel computing, utility computing, network storage technologies, virtualization, and load balancing.

[0068] Furthermore, cloud storage, included in basic cloud computing services, is a new concept that extends and develops from the concept of cloud computing. A distributed cloud storage system (hereinafter referred to as a storage system) is a storage system that uses cluster applications, grid technology, and distributed storage file systems to bring together a large number of different types of storage devices (also known as storage nodes) on a network through application software or application interfaces to work together and provide data storage and service access. Currently, storage systems use the following storage method: creating logical volumes. When creating a logical volume, physical storage space is allocated for each logical volume. This physical storage space may consist of disks on a storage device or several storage devices. When a client stores data on a logical volume, it stores the data on a file system. The file system divides the data into multiple parts, each of which is an object. An object contains not only the data but also additional information such as the data identifier (ID). The file system writes each object to the physical storage space of the logical volume and records the storage location information of each object. When a client requests access to data, the file system can provide access to the data based on the storage location information of each object. The storage system allocates physical storage space to logical volumes by pre-dividing the physical storage space into stripes based on the estimated capacity of the objects to be stored in the logical volume (this estimate often has a large margin relative to the actual capacity of the objects to be stored) and the Redundant Array of Independent Disks (RAID) groupings. A logical volume can be understood as a stripe, thereby allocating physical storage space to the logical volume.

[0069] Furthermore, the database included in basic cloud computing services can be thought of as an electronic filing cabinet—a place where electronic files are stored, allowing users to add, query, update, and delete data within the files. A "database" is a collection of data stored in a specific manner, shared by multiple users, with minimal redundancy, and independent of applications.

[0070] Big data, included in basic cloud computing services, refers to data sets that cannot be captured, managed, and processed within a specific timeframe using conventional software tools. These are massive, high-growth, and diverse information assets that require new processing models to enhance decision-making, insight discovery, and process optimization. With the advent of the cloud era, big data has attracted increasing attention. Big data requires specialized technologies to efficiently process large amounts of time-sensitive data. Technologies suitable for big data include massively parallel processing databases, data mining, distributed file systems, distributed databases, cloud computing platforms, the internet, and scalable storage systems.

[0071] See also Figure 1 The functions of each node in the blockchain system shown include:

[0072] 1) Routing: A basic function of a node, used to support communication between nodes.

[0073] In addition to the routing function, nodes can also have the following functions:

[0074] 2) Applications, deployed in the blockchain, implement specific services based on actual business needs, record data related to the implementation of functions to form record data, carry digital signatures in the record data to indicate the source of the task data, and send the record data to other nodes in the blockchain system for other nodes to add the record data to a temporary block when they successfully verify the source and integrity of the record data.

[0075] For example, the services implemented by the application include:

[0076] 2.1) Shared ledgers are used to store, query, and modify account data. Records of operations on account data are sent to other nodes in the blockchain system. After verification, other nodes acknowledge the validity of the account data by storing the recorded data in a temporary block. They can also send confirmation to the node that initiated the operation.

[0077] 2.2) Smart contracts are computerized protocols that can enforce the terms of a contract. They are implemented through code deployed on a shared ledger that is executed when certain conditions are met. Based on actual business needs, the code is used to complete automated transactions, such as querying the logistics status of a buyer's purchased goods and transferring the buyer's electronic currency to the merchant's address after the buyer signs for the goods. Of course, smart contracts are not limited to executing contracts for transactions, but can also execute contracts that process received information.

[0078] 3) Blockchain, including a series of blocks that are connected to each other in the order of their generation. Once a new block is added to the blockchain, it will not be removed. The block records the record data submitted by the nodes in the blockchain system.

[0079] See also Figure 2 , Figure 2 This is an optional schematic diagram of the block structure provided by an embodiment of the present invention. Each block includes the hash value of the transaction records stored in the block (the hash value of the current block) and the hash value of the previous block. The blocks are connected by hash values ​​to form a blockchain. In addition, the block may also include information such as the timestamp when the block was generated. Blockchain is essentially a decentralized database, a series of data blocks generated using cryptographic methods. Each data block contains relevant information used to verify the validity of the information (anti-counterfeiting) and generate the next block.

[0080] Based on practical issues, in the current game supply chain financing process, companies typically verify game settlement statements through manual intranet review and emails. Manual review often carries the risk of data omissions, and the manual email recovery process is cumbersome, labor-intensive, and untimely. Furthermore, financing application materials submitted by game suppliers often require manual review, a complex process that can hinder timely financing. Furthermore, this process presents challenges for financial institutions: It is difficult for financial institutions to verify the authenticity of game settlement statements provided by game suppliers, obtain more information on previous settlement statements from the game supplier, and confirm whether settlement statements have been used in duplicate financing applications.

[0081] Based on one or more of the above problems, this example embodiment provides a blockchain-based financing method. Figure 3 As shown, the blockchain-based financing method may include: steps S310 to S360, wherein:

[0082] Step S310: The transaction platform node deploys a smart contract in the blockchain network to define transaction conditions.

[0083] Step S320: The receiving node uploads the transaction data representing the transaction details between the receiving node and the supplier node to the blockchain network.

[0084] Step S330: The supplier node generates a financing application based on the transaction data and uploads the financing application to the blockchain network.

[0085] Step S340: The investor node generates an audit result corresponding to the financing application and broadcasts the audit result.

[0086] Step S350: The consensus node verifies the legitimacy of the audit result. After successful verification, the smart contract corresponding to the transaction data is called to respond to the audit result.

[0087] Step S360: The consensus nodes reach a consensus on the response results of the audit results and package the response results of the audit results into blocks and write them into the blockchain ledger.

[0088] Implementation Figure 3 The method shown here leverages blockchain technology to enable all parties involved to efficiently and accurately complete the financing process within the constraints of smart contracts. Furthermore, by storing data related to the financing process on blockchain, the accuracy, traceability, and immutability of the data can be improved.

[0089] The above steps of this exemplary embodiment are described in more detail below.

[0090] In step S310, the transaction platform node deploys a smart contract in the blockchain network to define transaction conditions.

[0091] When this application is applied to the field of game settlement and financing, the trading platform can be a game settlement and financing platform, the supplier can be a game supplier, the recipient can be a business, and the investor can be a financial institution. Furthermore, the aforementioned blockchain is a distributed ledger, and a smart contract is a set of agreements that are defined, disseminated, verified, or executed in digital form. Contract participants can execute the agreements stipulated in the smart contract, and smart contracts allow for traceable and irreversible trusted transactions without a third party.

[0092] In addition, the multiple nodes also include a certificate issuer node. Optionally, the above method may also include: the receiving node, the supplier node and the investor node respectively send their corresponding identity authentication information to the trading platform node, so that the trading platform node performs identity authentication operations based on the identity authentication information and generates an asymmetric encryption key corresponding to the identity authentication information; wherein, the asymmetric encryption key includes a public key and a private key that exist in pairs, and the receiving node, the supplier node and the investor node respectively correspond to a pair of asymmetric encryption keys, so the number of asymmetric encryption keys is multiple.

[0093] Furthermore, the receiver node, supplier node and investor node respectively send their corresponding identity authentication information to the trading platform node, so that the trading platform node performs identity authentication operations according to the identity authentication information and generates an asymmetric encryption key corresponding to the identity authentication information. Specifically, the receiver node sends identity authentication information to the trading platform node, so that the trading platform node performs identity authentication operations for the receiver node according to the identity authentication information of the receiver node and generates an asymmetric encryption key corresponding to the receiver node after authenticating that the identity of the receiver node is legal; the supplier node sends identity authentication information to the trading platform node, so that the trading platform node performs identity authentication operations for the supplier node according to the identity authentication information of the supplier node and generates an asymmetric encryption key corresponding to the supplier node after authenticating that the identity of the supplier node is legal; the investor node sends identity authentication information to the trading platform node, so that the trading platform node performs identity authentication operations for the investor node according to the identity authentication information of the investor node and generates an asymmetric encryption key corresponding to the investor node after authenticating that the identity of the investor node is legal.

[0094] In the embodiment of the present application, optionally, the above method further includes:

[0095] The certificate issuing node generates certificates corresponding to the trading platform node, recipient node, supplier node, and investor node respectively;

[0096] The certificate issuing node generates a certificate chain request based on the certificate; the certificate chain request includes the public key corresponding to the certificate issuing node;

[0097] The certificate issuing node signs the certificate chain request using the private key corresponding to the certificate issuing node;

[0098] The certificate issuing node broadcasts the signed certificate chain request;

[0099] The consensus node verifies the legitimacy of the signed certificate chain request using the public key corresponding to the certificate issuing node;

[0100] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the certificate chain request;

[0101] The consensus nodes reach a consensus on the response results of the certificate chain request, and package the response results of the certificate chain request into blocks and write them into the blockchain ledger.

[0102] The certificate issuer can be a Certificate Authority (CA), which issues and manages digital certificates. A CA serves as a trusted third party in transactions, verifying the legitimacy of public keys within the public key system. Furthermore, the certificates corresponding to the trading platform node, recipient node, supplier node, and investor node can all be represented as strings.

[0103] In addition, the certificate issuing node can generate a certificate corresponding to the trading platform node in the following manner: the trading platform node generates a target public key and a target private key corresponding to the trading platform node; uses the target private key to sign the certificate application information of the trading platform node, the certificate application information including the service qualification information and identity information of the trading platform node; generates a certificate application request based on the target public key and the encrypted certificate application information; and transmits the certificate application request to the certificate issuing node, so that the certificate issuing node authenticates the trading platform node and generates a certificate corresponding to the trading platform node after successful authentication. The target public key and the target private key are a pair of asymmetric encryption keys, both of which correspond to the trading platform node. Furthermore, the service qualification information of the trading platform node is used to indicate the trading platform node's qualification to provide asymmetric key generation services to the recipient node, the supplier node, and the investor node, and the identity information of the trading platform node is used to indicate the legal identity of the trading platform node.

[0104] Further optionally, the transaction platform node may generate a certificate application request based on the target public key and the encrypted certificate application information in the following manner: the transaction platform node generates a certificate application request based on the target public key, digital signature, and certificate application information; wherein the certificate application request includes the target public key, digital signature, and certificate application information. Furthermore, after the transaction platform node transmits the certificate application request to the certificate issuer node, the certificate issuer node is further configured to receive the certificate application request and perform real-name verification on the transaction platform node based on the certificate application request; specifically, the real-name verification on the transaction platform node may be performed in the following manner: detecting the legitimacy of the legal certificate number (e.g., registration number, ID number, etc.) input by the transaction platform node; if the legal certificate number of the transaction platform node is valid, generating a certificate corresponding to the transaction platform node.

[0105] In addition, before the certificate issuing node generates certificates corresponding to the trading platform node, the receiving node, the supplier node and the investor node respectively, the above method may further include the following steps: the receiving node signs the identity authentication information of the receiving node according to the private key in the asymmetric encryption key corresponding to the receiving node, obtains the digital signature corresponding to the receiving node, and generates a certificate application request corresponding to the receiving node according to the identity authentication information including the digital signature corresponding to the receiving node and the public key in the asymmetric encryption key corresponding to the receiving node, and transmits the certificate application request corresponding to the receiving node to the certificate issuing node; the supplier node signs the identity authentication information of the supplier node according to the private key in the asymmetric encryption key corresponding to the supplier node, obtains the digital signature corresponding to the receiving node, and generates a certificate application request corresponding to the receiving node according to the identity authentication information including the digital signature corresponding to the receiving node and the public key in the asymmetric encryption key corresponding to the receiving node, and transmits the certificate application request corresponding to the receiving node to the certificate issuing node; the supplier node signs the identity authentication information of the supplier node according to the private key in the asymmetric encryption key corresponding to the supplier node Sign, obtain the digital signature corresponding to the supplier node, and generate the certificate application request corresponding to the supplier node according to the identity authentication information containing the digital signature corresponding to the supplier node and the public key in the asymmetric encryption key corresponding to the supplier node, and transmit the certificate application request corresponding to the supplier node to the certificate issuing node; the investor node signs the identity authentication information of the investor node according to the private key in the asymmetric encryption key corresponding to the investor node, obtains the digital signature corresponding to the investor node, and generates the certificate application request corresponding to the investor node according to the identity authentication information containing the digital signature corresponding to the investor node and the public key in the asymmetric encryption key corresponding to the investor node, and transmits the certificate application request corresponding to the investor node to the certificate issuing node.

[0106] It can be seen that the implementation of this optional embodiment can feedback the digest hash corresponding to each certificate to the trading platform through the certificate issuer, so that the trading platform can return the required certificate and the digest hash of the certificate to each participant respectively. This can help each participant use blockchain technology to put the financing process on the chain, thereby reducing the risk of financing data being tampered with.

[0107] Furthermore, after successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the certificate chain request, including:

[0108] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the certificate, and verifies the existence of the certificate through the digest hash. If the certificate does not exist, the digest hash corresponding to the certificate and the certificate are written into the smart contract corresponding to the transaction data in the form of key values.

[0109] Among them, for the trading platform node: after successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the certificate of the trading platform node, and queries whether there is a certificate corresponding to the digest hash. If it exists, a prompt message indicating that the execution failed is returned; if it does not exist, the digest hash is used as the key and the certificate of the trading platform node is used as the value, and the digest hash corresponding to the certificate of the trading platform node and the certificate of the trading platform node are written into the smart contract in key-value form.

[0110] Among them, for the receiving node: after successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the receiving node's certificate, and queries whether there is a certificate corresponding to the digest hash. If so, it returns a prompt message indicating that the execution failed; if not, the digest hash is used as the key and the receiving node's certificate as the value, and the digest hash corresponding to the receiving node's certificate and the certificate of the trading platform node are written into the smart contract in key-value form.

[0111] Among them, for the supplier node: after successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the supplier node's certificate, and queries whether there is a certificate corresponding to the digest hash. If so, it returns a prompt message indicating that the execution failed; if not, the digest hash is used as the key and the supplier node's certificate as the value, and the digest hash corresponding to the supplier node's certificate and the transaction platform node's certificate are written into the smart contract in key-value format.

[0112] Among them, for the investor node: after successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the investor node's certificate, and queries whether there is a certificate corresponding to the digest hash. If it exists, it returns a prompt message indicating that the execution failed; if it does not exist, the digest hash is used as the key and the investor node's certificate is used as the value. The digest hash corresponding to the investor node's certificate and the certificate of the trading platform node are written into the smart contract in key-value form.

[0113] In addition, optionally, the above method also includes: the receiving node, the supplier node and the investor node respectively receive and store the digest hash of their respective corresponding on-chain results and their respective corresponding certificates fed back by the trading platform node; wherein the digest hashes of the certificates corresponding to the receiving node, the supplier node and the investor node are different.

[0114] As can be seen, implementing this optional embodiment can generate corresponding certificates for each participant and upload them to the blockchain, which can facilitate the collaborative cooperation of all participants based on blockchain technology to achieve financing. In addition, the use of blockchain technology can ensure the authenticity and reliability of financing data, improving data credibility.

[0115] Furthermore, after the consensus node packages the response result of the certificate chain request into a block and writes it into the blockchain ledger, the above method also includes:

[0116] The certificate issuer node stores the digest hash corresponding to the certificate;

[0117] The certificate issuer node feeds back the digest hash of the corresponding certificate to the trading platform node, recipient node, supplier node and investor node respectively.

[0118] Among them, the digest hashes of the certificates corresponding to the receiver node, supplier node, and investor node are different.

[0119] It can be seen that the implementation of this optional embodiment can feed back the corresponding certificates to the trading platform node, the receiver node, the supplier node, and the investor node, so that the trading platform node, the receiver node, the supplier node, and the investor node can trigger the smart contract to execute the corresponding logic based on their corresponding certificates, thereby realizing online financing.

[0120] In an embodiment of the present application, the transaction platform node may optionally deploy a smart contract in the blockchain network for defining transaction conditions, including:

[0121] The trading platform node generates a smart contract deployment request; the smart contract deployment request includes the smart contract and the public key corresponding to the trading platform node;

[0122] The trading platform node signs the smart contract deployment request using the private key corresponding to the trading platform node;

[0123] The trading platform node broadcasts the signed smart contract deployment request;

[0124] The consensus node verifies the legitimacy of the signed smart contract deployment request based on the public key corresponding to the trading platform node;

[0125] The consensus node responds to the smart contract deployment request after successful verification;

[0126] The consensus nodes reach consensus on the response results of the smart contract deployment request and package the response results of the smart contract deployment request into blocks and write them into the blockchain ledger.

[0127] The smart contract deployment request also includes the digest hash of the certificate corresponding to the trading platform node.

[0128] In addition, optionally, the way in which the consensus node responds to the smart contract deployment request after successful verification can be: after successful verification, the consensus node generates a target digest hash of the smart contract and determines the target digest hash as the smart contract address; detects whether the smart contract is unique in the blockchain through the smart contract address; if the smart contract is not unique in the blockchain, returns a prompt message indicating that the execution failed; if the smart contract is unique in the blockchain, queries whether the certificate of the trading platform node exists based on the digest hash of the certificate of the trading platform node; if the certificate of the trading platform node does not exist, returns a prompt message indicating that the execution failed; if the certificate of the trading platform node exists, compares whether there is consistency between the target public key in the certificate of the trading platform node and the target public key in the smart contract deployment request; if there is no consistency, returns a prompt message indicating that the execution failed; if there is consistency, uses the smart contract address as the key and the smart contract as the value, and writes the smart contract address and the smart contract into the cache in key-value form; wherein, the smart contract address can be represented by a string.

[0129] It can be seen that by implementing this optional embodiment, the smart contract can be put on the chain through the trading platform, which can facilitate data interaction among all participants based on the smart contract on the blockchain and improve the security of data interaction.

[0130] In step S320, the receiving node uploads the transaction data representing the transaction details between the receiving node and the supplier node to the blockchain network.

[0131] Among them, the transaction details are used to limit the transaction amount. When this application is applied to the field of game settlement financing, the transaction details can be the game flow settlement statement.

[0132] In an embodiment of the present application, optionally, the receiving node uploads transaction data representing the transaction details between the receiving node and the supplier node to the blockchain network, including: the receiving node signs the transaction data using the private key corresponding to the receiving node and broadcasts the transaction data; the consensus node verifies the signed transaction data based on the public key corresponding to the receiving node, and if the verification is successful, calls the smart contract corresponding to the transaction data to respond to the transaction data; the consensus node reaches a consensus on the response result of the transaction data and packages the response result of the transaction data into a block and writes it into the blockchain ledger.

[0133] The transaction data includes the public key corresponding to the receiving node, the receiving node's ID, and the digest hash of the receiving node's certificate. Furthermore, before the receiving node signs the transaction data using its private key and broadcasts the transaction data, the method may further include the following steps: the receiving node, through the trading platform node, packages the transaction details between the receiving node and the supplier node, the receiving node's ID, the supplier node's ID, the smart contract address, the digest hash of the receiving node's certificate, and the receiving node's public key into the transaction data. In addition, the way in which the receiving node calls the smart contract corresponding to the transaction data to respond to the transaction data can be specifically: the receiving node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the transaction details, and detects the existence of the transaction details through the digest hash. If the transaction details do not exist, a prompt message indicating that the execution failed is returned; if the transaction details exist, the existence of the receiving node's certificate is detected according to the digest hash corresponding to the receiving node's certificate. If the receiving node's certificate does not exist, a prompt message indicating that the execution failed is returned; if the receiving node's certificate exists, the public key in the receiving node's certificate is compared to see if it is consistent with the public key in the transaction data. If they are inconsistent, a prompt message indicating that the execution failed is returned. A prompt message indicating that the execution failed is returned; if they are consistent, whether the transaction status corresponding to the transaction data is a confirmed status is detected, and if not, a prompt message indicating that the execution failed is returned; if so, the consistency of the number of the receiving node and the number of the supplier node in the transaction details with the number of the receiving node and the number of the supplier node in the transaction data is detected; if there is no consistency, a prompt message indicating that the execution failed is returned; if there is consistency, the above-mentioned confirmed status is updated to the asset digitized status and the summary hash corresponding to the transaction details is written into the smart contract corresponding to the transaction data; the data corresponding to the transaction details (such as the amount) is added to the total asset data corresponding to the supplier node.

[0134] In addition, the above method may also include: the blockchain network returns the on-chain result and summary hash of the transaction data to the trading platform node; the trading platform node receives and stores the on-chain result and summary hash of the transaction data; the trading platform node feeds back prompt information to the receiving node and the supplier node to indicate the on-chain status of the transaction data.

[0135] It can be seen that the implementation of this optional embodiment can upload the transaction details between the recipient and the supplier to the chain through the trading platform, so that the transaction data is open and transparent, which is conducive to the supplier applying for financing from investors and improving the credibility of the supplier's financing information.

[0136] In step S330, the supplier node generates a financing application based on the transaction data and uploads the financing application to the blockchain network.

[0137] The financing application includes the recipient node number, the supplier node number, a summary hash of the transaction details, the smart contract address, the summary hash corresponding to the supplier node's certificate, and the supplier node's public key. Furthermore, the supplier node may upload the financing application to the blockchain network in the following ways: the supplier node signs the financing application using the supplier node's private key and broadcasts the signed financing application; the consensus node verifies the legitimacy of the signed financing application using the supplier node's public key; upon successful verification, the consensus node invokes the smart contract corresponding to the transaction data to respond to the financing application; the consensus node reaches consensus on the financing application response and packages the financing application response into a block, writing it to the blockchain ledger. Furthermore, optionally, before the supplier node generates the financing application based on the transaction data and uploads the financing application to the blockchain network, the supplier node may also upload the audit results of the transaction data to the blockchain network to further ensure the authenticity and accuracy of the transaction data.

[0138] Specifically, the consensus node calls the smart contract corresponding to the transaction data to respond to the financing application, including: the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the transaction details, and detects the existence of the transaction details through the digest hash. If the transaction details do not exist, a prompt message indicating that the execution failed is returned; if the transaction details exist, the existence of the recipient certificate is detected according to the digest hash corresponding to the supplier node's certificate. If the supplier node's certificate does not exist, a prompt message indicating that the execution failed is returned; if the supplier node's certificate exists, the public key in the supplier node's certificate is compared to see if it is consistent with the public key in the financing application. If they are inconsistent, a prompt message indicating that the execution failed is returned; if they are consistent, the transaction status corresponding to the transaction data is detected to see if it is an asset digitized state. If not, a prompt message indicating that the execution failed is returned. A prompt message indicating that the execution failed; if so, the consistency of the number of the recipient node and the number of the supplier node in the transaction details and the number of the recipient node and the number of the supplier node in the financing application is detected; if there is no consistency, a prompt message indicating that the execution failed is returned; if there is consistency, it is detected whether the financing data corresponding to the financing application is greater than the sum of the application amount and interest corresponding to the financing application. If not, a prompt message indicating that the execution failed is returned; if so, the transaction status corresponding to the transaction data is updated to the financing application status, the financing status is updated to the pending review status, and the summary hash corresponding to the financing application is used as the key, and the summary hash of the financing application, transaction details, and the pending review status are written into the smart contract as the value; furthermore, the summary hash corresponding to the financing application can be added to the financing review list corresponding to the investor node.

[0139] It can be seen that the implementation of this optional embodiment enables the supplier to use the asset data transferred by the recipient to apply for financing. Since the data corresponding to this process is stored in the blockchain, the financing information corresponding to the financing application is more credible, which can improve the supplier's financing success rate.

[0140] In step S340 , the investor node generates an audit result corresponding to the financing application and broadcasts the audit result.

[0141] The audit results include the audit content of the financing application, the number of the recipient node, the number of the supplier node, the number of the investor node, the summary hash of the transaction details, the smart contract address, the summary hash corresponding to the certificate of the investor node, and the public key corresponding to the investor node.

[0142] In step S350, the consensus node verifies the legitimacy of the audit result. After successful verification, the smart contract corresponding to the transaction data is called to respond to the audit result.

[0143] In the embodiment of the present application, optionally, after successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the audit result, including:

[0144] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data corresponding to the supplier node; if so, the asset data is frozen; if not, the asset data is split to obtain the asset sub-data corresponding to the financing data and the asset sub-data is frozen.

[0145] Asset sub-data is a subset of asset data, and both asset data and asset sub-data can be represented numerically. Furthermore, when the financing application period expires, a smart contract can be invoked to add frozen assets or the corresponding value of frozen asset sub-data to the total asset data corresponding to the investor node. Alternatively, when the supplier node performs a repayment operation, a smart contract can be invoked to add the corresponding value of the repayment data to the total asset data corresponding to the investor node, and to deduct the corresponding value of the repayment data from the total asset data corresponding to the supplier node.

[0146] Specifically, after successful verification, the consensus node calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data corresponding to the supplier node. It also includes: the consensus node calls the smart contract corresponding to the transaction data to calculate the summary hash corresponding to the transaction details, and detects the existence of the transaction details through the summary hash. If the transaction details do not exist, a prompt message indicating that the execution failed is returned; if the transaction details exist, the existence of the recipient certificate is detected according to the summary hash corresponding to the certificate of the investor node. If the certificate of the investor node does not exist, a prompt message indicating that the execution failed is returned; if the certificate of the investor node exists, the public key in the certificate of the investor node is compared to see if it is consistent with the public key in the audit result. If they are inconsistent, a prompt message indicating that the execution failed is returned; if they are consistent, the detection Whether the transaction status corresponding to the transaction data is the financing application status and whether the financing status is the pending review status. If not, a prompt message indicating that the execution failed is returned; if so, the number of the receiver node and the number of the supplier node in the transaction details are detected to be consistent with the number of the receiver node and the number of the supplier node in the review result; if there is no consistency, a prompt message indicating that the execution failed is returned; if there is consistency, the transaction status corresponding to the transaction data is updated to the financing success status, the financing status is updated to the review passed status, and the summary hash corresponding to the review result is written into the smart contract; then, the summary hash corresponding to the above-mentioned financing application can be deleted from the financing review list corresponding to the investor node; then, the above-mentioned detection is performed to see whether the financing data corresponding to the financing application is greater than the asset data corresponding to the supplier node.

[0147] It can be seen that by implementing this optional embodiment, investors can conduct corresponding reviews of financing applications uploaded to the blockchain by suppliers and upload the review results to the chain to ensure the accuracy of the data corresponding to the financing process.

[0148] In step S360, the consensus nodes reach a consensus on the response results of the audit results and package the response results of the audit results into blocks and write them into the blockchain ledger.

[0149] Among them, after the consensus node reaches a consensus on the response result of the audit result and packages the response result of the audit result into a block and writes it into the blockchain ledger, it also includes: the investor node uploads the repayment result corresponding to the supplier node to the blockchain network; among them, it specifically includes: after the investor node broadcasts the repayment result, the consensus node calls the smart contract corresponding to the transaction data to update the transaction status to the financing repayment confirmation status and updates the financing status to the repayment confirmation status.

[0150] On this basis, after the consensus node packages the response results of the audit results into blocks and writes them into the blockchain ledger, it also includes: the supplier node broadcasts the confirmation repayment results corresponding to the financing application; the consensus node verifies the legitimacy of the confirmation repayment results, and after successful verification, calls the smart contract corresponding to the transaction data to respond to the confirmation repayment results to destroy the frozen asset data or asset sub-data; the consensus node reaches a consensus on the response results of the confirmation repayment results and packages the response results of the confirmation repayment results into blocks and writes them into the blockchain ledger.

[0151] Among them, the confirmation of repayment results includes the number of the recipient node, the number of the supplier node, the number of the investor node, the summary hash of the transaction details, the summary hash of the financing application, the smart contract address, the content of the confirmation of repayment results, the summary hash corresponding to the certificate of the supplier node, and the public key corresponding to the supplier node.

[0152] In addition, before the consensus node calls the smart contract corresponding to the transaction data to destroy the frozen asset data or asset sub-data, it also includes: the consensus node calls the smart contract corresponding to the transaction data to calculate the summary hash corresponding to the transaction details, and detects the existence of the transaction details through the summary hash. If the transaction details do not exist, a prompt message indicating that the execution failed is returned; if the transaction details exist, the existence of the recipient certificate is detected according to the summary hash corresponding to the certificate of the supplier node. If the certificate of the supplier node does not exist, a prompt message indicating that the execution failed is returned; if the certificate of the supplier node exists, the public key in the certificate of the supplier node is compared to see if it is consistent with the public key in the repayment confirmation result. If they are inconsistent, a prompt message indicating that the execution failed is returned; if they are consistent, the transaction status corresponding to the transaction data is detected to see if it is a successful financing status. If not, a prompt message indicating that the execution failed is returned. A prompt message indicating that the execution failed; if so, the consistency between the number of the recipient node and the number of the supplier node in the transaction details and the number of the recipient node and the number of the supplier node in the confirmed repayment result is detected; if there is no consistency, a prompt message indicating that the execution failed is returned; if there is consistency, the summary hash corresponding to the repayment result is used to query whether there is a corresponding repayment result, if not, a prompt message indicating that the execution failed is returned; if so, whether there is consistency between the repayment result in the blockchain network and the above-mentioned confirmed repayment result is detected, if not, a prompt message indicating that the execution failed is returned; if so, the transaction status and financing status corresponding to the transaction data are updated to the repayment confirmation completion status, and the summary hash corresponding to the confirmed repayment result is written into the smart contract, and then the above-mentioned destruction of frozen asset data or asset sub-data is executed.

[0153] It can be seen that the implementation of this optional embodiment can realize a multi-party collaborative financing process based on blockchain technology, which can improve the efficiency of online financing.

[0154] See also Figure 4 . Figure 4 The flowchart of a blockchain-based financing method according to one embodiment of the present application is schematically shown. The blockchain-based financing method of one embodiment includes: Steps S400 to S428, wherein:

[0155] Step S400: The certificate issuing node generates certificates corresponding to the trading platform node, the receiving node, the supplier node and the investor node respectively, generates a certificate chain request based on the certificates, signs the certificate chain request with the private key corresponding to the certificate issuing node, and broadcasts the signed certificate chain request.

[0156] Step S402: The consensus node verifies the legitimacy of the signed certificate on-chain request through the public key corresponding to the certificate issuer node. After successful verification, the smart contract corresponding to the transaction data is called to respond to the certificate on-chain request, consensus is reached on the response result of the certificate on-chain request, and the response result of the certificate on-chain request is packaged into a block and written into the blockchain ledger.

[0157] Step S404: The trading platform node generates a smart contract deployment request, signs the smart contract deployment request using the private key corresponding to the trading platform node, broadcasts the signed smart contract deployment request, and verifies the legitimacy of the signed smart contract deployment request using the public key corresponding to the trading platform node.

[0158] Step S406: After successful verification, the consensus node responds to the smart contract deployment request, reaches a consensus on the response result of the smart contract deployment request, and packages the response result of the smart contract deployment request into a block and writes it into the blockchain ledger.

[0159] Step S408: The certificate issuer node stores the digest hash corresponding to the certificate, and feeds back the digest hash of the corresponding certificate to the trading platform node, the receiver node, the supplier node, and the investor node respectively.

[0160] Step S410: The receiving node signs the transaction data using the private key corresponding to the receiving node and broadcasts the transaction data.

[0161] Step S412: The consensus node verifies the signed transaction data based on the public key corresponding to the receiving node. If the verification is successful, the consensus node calls the smart contract corresponding to the transaction data to respond to the transaction data, reaches a consensus on the response result of the transaction data, and packages the response result of the transaction data into a block and writes it into the blockchain account book.

[0162] Step S414: The supplier node generates a financing application based on the transaction data and uploads the financing application to the blockchain network.

[0163] Step S416: The investor node generates an audit result corresponding to the financing application and broadcasts the audit result.

[0164] Step S418: The consensus node verifies the legitimacy of the audit results. After successful verification, it calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data corresponding to the supplier node; if so, execute step S420; if not, execute step S422.

[0165] Step S420: The consensus node calls the smart contract corresponding to the transaction data to freeze the asset data.

[0166] Step S422: The consensus node calls the smart contract corresponding to the transaction data to split the asset data to obtain the asset sub-data corresponding to the financing data and freeze the asset sub-data.

[0167] Step S424: The consensus nodes reach a consensus on the response results of the audit results and package the response results of the audit results into blocks and write them into the blockchain account book.

[0168] Step S426: The supplier node broadcasts the confirmed repayment result corresponding to the financing application.

[0169] Step S428: The consensus node verifies the legitimacy of the repayment confirmation result. After successful verification, it calls the smart contract corresponding to the transaction data to respond to confirm the repayment result, destroy the frozen asset data or asset sub-data, reach a consensus on the response result of the repayment confirmation, and package the response result of the repayment confirmation result into a block and write it into the blockchain ledger.

[0170] It should be noted that steps S400 to S428 are Figure 3 The steps shown correspond to their embodiments. For the specific implementation of steps S400 to S428, please refer to Figure 3 The steps and embodiments shown are not described in detail here.

[0171] It can be seen that implementation Figure 4 The method shown here leverages blockchain technology to enable all parties involved to efficiently and accurately complete the financing process within the constraints of smart contracts. Furthermore, by storing data related to the financing process on blockchain, the accuracy, traceability, and immutability of the data can be improved.

[0172] Furthermore, in this exemplary embodiment, a blockchain-based financing system is also provided. Figure 5 As shown, the blockchain-based financing system includes:

[0173] The transaction platform node 501 is used to deploy smart contracts for defining transaction conditions in the blockchain network;

[0174] The receiving node 502 is used to upload transaction data representing transaction details between the receiving node and the supplier node to the blockchain network;

[0175] The supplier node 503 is used to generate a financing application based on the transaction data and upload the financing application to the blockchain network;

[0176] Investor node 504, used to generate and broadcast the review results corresponding to the financing application;

[0177] Consensus node 505 is used to verify the legitimacy of the audit results. After successful verification, it calls the smart contract corresponding to the transaction data to respond to the audit results;

[0178] The consensus node 505 is also used to reach a consensus on the response results of the review results and package the response results of the financing application into blocks and write them into the blockchain ledger.

[0179] Implementation Figure 5 The system shown here leverages blockchain technology to enable all parties involved to efficiently and accurately complete the financing process within the constraints of smart contracts. Furthermore, by storing data related to the financing process on blockchain, the accuracy, traceability, and immutability of this data can be enhanced.

[0180] In an exemplary embodiment of the present application, the multiple nodes further include a certificate issuer node, and the system further includes:

[0181] The certificate issuing node is used to generate certificates corresponding to the trading platform node, receiver node, supplier node, and investor node respectively;

[0182] The certificate issuer node is also used to generate a certificate chain request based on the certificate;

[0183] The certificate issuing node is also used to sign the certificate chain request using the private key corresponding to the certificate issuing node;

[0184] The certificate issuer node is also used to broadcast the signed certificate chain request;

[0185] The consensus node is also used to verify the legitimacy of the signed certificate chain request using the public key corresponding to the certificate issuer node;

[0186] The consensus node is also used to call the smart contract corresponding to the transaction data to respond to the certificate chain request after successful verification;

[0187] The consensus node is also used to reach consensus on the response results of the certificate chain request, and package the response results of the certificate chain request into blocks and write them into the blockchain ledger.

[0188] It can be seen that the implementation of this optional embodiment can feedback the digest hash corresponding to each certificate to the trading platform through the certificate issuer, so that the trading platform can return the required certificate and the digest hash of the certificate to each participant respectively. This can help each participant use blockchain technology to put the financing process on the chain, thereby reducing the risk of financing data being tampered with.

[0189] In an exemplary embodiment of the present application, the consensus node is further configured to call the smart contract corresponding to the transaction data to respond to the certificate chain request after successful verification, including:

[0190] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the certificate, and verifies the existence of the certificate through the digest hash. If the certificate does not exist, the digest hash corresponding to the certificate and the certificate are written into the smart contract corresponding to the transaction data in the form of key values.

[0191] As can be seen, implementing this optional embodiment can generate corresponding certificates for each participant and upload them to the blockchain, which can facilitate the collaborative cooperation of all participants based on blockchain technology to achieve financing. In addition, the use of blockchain technology can ensure the authenticity and reliability of financing data, improving data credibility.

[0192] In an exemplary embodiment of the present application, after the consensus node packages the response result of the certificate chain request into a block and writes it into the blockchain ledger, the certificate issuer node is also used to store the digest hash corresponding to the certificate;

[0193] The certificate issuer node is also used to feedback the digest hash of the corresponding certificate to the trading platform node, receiver node, supplier node and investor node respectively.

[0194] It can be seen that the implementation of this optional embodiment can feed back the corresponding certificates to the trading platform node, the receiver node, the supplier node, and the investor node, so that the trading platform node, the receiver node, the supplier node, and the investor node can trigger the smart contract to execute the corresponding logic based on their corresponding certificates, thereby realizing online financing.

[0195] In an exemplary embodiment of the present application, a transaction platform node is used to deploy a smart contract for defining transaction conditions in a blockchain network, including:

[0196] The trading platform node generates a smart contract deployment request; the smart contract deployment request includes the smart contract and the public key corresponding to the trading platform node;

[0197] The trading platform node signs the smart contract deployment request using the private key corresponding to the trading platform node;

[0198] The trading platform node broadcasts the signed smart contract deployment request;

[0199] The consensus node verifies the legitimacy of the signed smart contract deployment request based on the public key corresponding to the trading platform node;

[0200] The consensus node responds to the smart contract deployment request after successful verification;

[0201] The consensus nodes reach consensus on the response results of the smart contract deployment request and package the response results of the smart contract deployment request into blocks and write them into the blockchain ledger.

[0202] It can be seen that by implementing this optional embodiment, the smart contract can be put on the chain through the trading platform, which can facilitate data interaction among all participants based on the smart contract on the blockchain and improve the security of data interaction.

[0203] In an exemplary embodiment of the present application, a receiving node is configured to upload transaction data representing transaction details between the receiving node and the supplier node to a blockchain network, including:

[0204] The receiving node signs the transaction data using the private key corresponding to the receiving node and broadcasts the transaction data;

[0205] The consensus node verifies the signed transaction data based on the public key corresponding to the receiving node. If the verification is successful, the smart contract corresponding to the transaction data is called to respond to the transaction data.

[0206] The consensus nodes reach consensus on the response results of the transaction data and package the response results of the transaction data into blocks and write them into the blockchain ledger.

[0207] It can be seen that the implementation of this optional embodiment can upload the transaction details between the recipient and the supplier to the chain through the trading platform, so that the transaction data is open and transparent, which is conducive to the supplier applying for financing from investors and improving the credibility of the supplier's financing information.

[0208] In an exemplary embodiment of the present application, the consensus node is configured to call the smart contract corresponding to the transaction data to respond to the audit result after successful verification, including:

[0209] After successful verification, the consensus node calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data corresponding to the supplier node; if so, the asset data is frozen; if not, the asset data is split to obtain the asset sub-data corresponding to the financing data and the asset sub-data is frozen.

[0210] It can be seen that by implementing this optional embodiment, investors can conduct corresponding reviews of financing applications uploaded to the blockchain by suppliers and upload the review results to the chain to ensure the accuracy of the data corresponding to the financing process.

[0211] In an exemplary embodiment of the present application, the supplier node is further configured to broadcast the confirmed repayment result corresponding to the financing application after the consensus node packages the response result of the audit result into a block and writes it into the blockchain ledger;

[0212] The consensus node is also used to verify the legitimacy of the confirmed repayment results. After successful verification, the smart contract corresponding to the transaction data is called to respond to confirm the repayment results and destroy the frozen asset data or asset sub-data;

[0213] The consensus node is also used to reach a consensus on the response results of confirming the repayment results and package the response results of confirming the repayment results into blocks and write them into the blockchain ledger.

[0214] It can be seen that the implementation of this optional embodiment can realize a multi-party collaborative financing process based on blockchain technology, which can improve the efficiency of online financing.

[0215] See also Figure 6 , Figure 6 The following schematically shows the architecture of a blockchain-based financing system according to an embodiment of the present application. Figure 6 The transaction platform node 601 in the above-mentioned receiving node can be Figure 6 The enterprise node 603 in the above-mentioned certificate issuer node can be Figure 6 The CA node 602 in the above-mentioned supplier node can be Figure 6 The game provider node 604 and the investor node can be Figure 6Specifically, the certificates corresponding to the trading platform node 601, enterprise node 603, game provider node 604, and financial institution node 605 are generated and broadcast by the CA node 602. The consensus nodes then verify and agree upon them, package them into blocks, and write them to the blockchain. Furthermore, the trading platform node 601 can deploy smart contracts within the blockchain network to define transaction conditions. The enterprise node 603 can generate transaction data for representing the transaction details between the receiving node and the supplier node and broadcast the transaction data, and then verify and reach consensus through the consensus node in the blockchain network, and write the response result of the smart contract to the transaction data into the blockchain; further, the game supplier node 604 can generate a financing application based on the above-mentioned transaction data and broadcast the financing application, and then verify and reach consensus through the consensus node in the blockchain network, and write the response result of the smart contract to the financing application into the blockchain; the financial institution node 605 can generate an audit result corresponding to the financing application and sign the audit result through the private key corresponding to the financial institution node 605, and then broadcast the signed audit result; further, the consensus node in the blockchain network verifies the signed audit result through the public key corresponding to the financial institution node 605. If the verification is successful, the smart contract corresponding to the transaction data is called to respond to the audit result, as well as the response result of the consensus audit result, and the response result of the audit result is packaged into a block and written into the blockchain ledger.

[0216] Since the various steps of the blockchain-based financing system of the example embodiment of the present application correspond to the various functional objects of the example embodiment of the blockchain-based financing method described above, for details not disclosed in the method embodiment of the present application, please refer to the above-mentioned blockchain-based financing method embodiment of the present application.

[0217] As another aspect, the present application also provides a user node, which includes a central processing unit (CPU) that can perform various appropriate actions and processes based on a program stored in a read-only memory (ROM) or a program loaded from a storage unit into a random access memory (RAM) to implement the various method steps provided in the embodiments of the present invention. The RAM also stores various programs and data required for system operation. The CPU, ROM, and RAM are connected to each other via a bus. An input / output (I / O) interface is also connected to the bus. The following components are connected to the I / O interface: an input portion including a keyboard, a mouse, etc.; an output portion including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage portion including a hard disk; and a communication portion including a network interface card such as a LAN card or a modem. The communication portion performs communication processing via a network such as the Internet. A drive is also connected to the I / O interface as needed. Removable media, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., are installed in the drive as needed so that the computer program read therefrom can be installed into the storage portion as needed.

[0218] As another aspect, the present application further provides a computer-readable medium, which may be included in the user node described in the above embodiments, or may exist independently. The computer-readable medium carries one or more programs, which, when executed by a user node, enable the user node to implement the methods described in the above embodiments.

[0219] It should be noted that the computer-readable medium shown in this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this application, a computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, device, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. This propagated data signal can take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, wireline, optical fiber cable, RF, or any suitable combination thereof.

[0220] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of the boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0221] The units involved in the embodiments described in this application may be implemented by software or hardware, and the units described may also be set in a processor. In some cases, the names of these units do not constitute limitations on the units themselves.

[0222] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The description and examples are to be considered as exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0223] It should be understood that the present application is not limited to the exact structures described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A financing method based on blockchain, characterized in that: The blockchain network includes multiple nodes, including transaction platform nodes, receiver nodes, supplier nodes, investor nodes, and consensus nodes. The transaction platform nodes are game settlement and financing platform nodes, the receiver nodes are enterprise nodes, the supplier nodes are game supplier nodes, the investor nodes are financial institution nodes, and the consensus nodes are any form of computing devices connected to the network. The method includes: The transaction platform node deploys a smart contract in the blockchain network for defining transaction conditions; The receiving node uploads transaction data representing transaction details between the receiving node and the supplier node to the blockchain network; The supplier node generates a financing application based on the transaction data and uploads the financing application to the blockchain network; The investor node generates a review result corresponding to the financing application and broadcasts the review result; The consensus node verifies the legitimacy of the audit result, and upon successful verification, calls the smart contract corresponding to the transaction data to respond to the audit result; The consensus nodes reach a consensus on the response results of the audit results and package the response results of the audit results into blocks and write them into the blockchain account book; After successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the audit result, including: after successful verification, the consensus node calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data transferred from the receiving node to the supplier node; if so, freezing the asset data; if not, splitting the asset data to obtain asset sub-data corresponding to the financing data and freezing the asset sub-data; The supplier node broadcasts the confirmation repayment result corresponding to the financing application; The consensus node verifies the legitimacy of the confirmed repayment result. Upon successful verification, the smart contract corresponding to the transaction data is called to respond to the confirmed repayment result to destroy the frozen asset data or the asset sub-data. The consensus node reaches a consensus on the response result of confirming the repayment result and packages the response result of confirming the repayment result into a block and writes it into the blockchain account book.

2. The method according to claim 1, characterized in that The plurality of nodes further includes a certificate issuer node, and the method further includes: The certificate issuing node generates certificates corresponding to the trading platform node, the receiver node, the supplier node, and the investor node respectively; The certificate issuing node generates a certificate chain request based on the certificate; The certificate issuing node signs the certificate chain request using the private key corresponding to the certificate issuing node; The certificate issuing node broadcasts the signed certificate chain request; The consensus node verifies the legitimacy of the signed certificate chain request using the public key corresponding to the certificate issuer node; After successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the certificate chain request; The consensus node reaches a consensus on the response result of the certificate chain request, and packages the response result of the certificate chain request into a block and writes it into the blockchain account book.

3. The method according to claim 2, characterized in that After successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the certificate chain request, including: After successful verification, the consensus node calls the smart contract corresponding to the transaction data to calculate the digest hash corresponding to the certificate, verifies the existence of the certificate through the digest hash, and writes the digest hash corresponding to the certificate and the certificate into the smart contract corresponding to the transaction data in the form of key values ​​when the certificate does not exist.

4. The method according to claim 3, characterized in that After the consensus node packages the response result of the certificate chain request into a block and writes it into the blockchain account book, the method further includes: The certificate issuer node stores the digest hash corresponding to the certificate; The certificate issuer node feeds back the digest hash of the corresponding certificate to the transaction platform node, the receiver node, the supplier node, and the investor node respectively.

5. The method according to claim 1, wherein The transaction platform node deploys a smart contract in the blockchain network for defining transaction conditions, including: The trading platform node generates a smart contract deployment request; wherein the smart contract deployment request includes the smart contract and a public key corresponding to the trading platform node; The trading platform node signs the smart contract deployment request using the private key corresponding to the trading platform node; The trading platform node broadcasts the signed smart contract deployment request; The consensus node verifies the legitimacy of the signed smart contract deployment request based on the public key corresponding to the trading platform node; The consensus node responds to the smart contract deployment request after successful verification; The consensus node reaches a consensus on the response result of the smart contract deployment request and packages the response result of the smart contract deployment request into a block and writes it into the blockchain account book.

6. The method according to claim 2, characterized in that The receiving node uploads transaction data representing transaction details between the receiving node and the supplier node to the blockchain network, including: The receiving node signs the transaction data using a private key corresponding to the receiving node and broadcasts the transaction data; The consensus node verifies the signed transaction data according to the public key corresponding to the receiving node, and if the verification is successful, calls the smart contract corresponding to the transaction data to respond to the transaction data; The consensus nodes reach a consensus on the response results of the transaction data and package the response results of the transaction data into blocks and write them into the blockchain account book.

7. A blockchain-based financing system, characterized in that: The system comprises: A trading platform node, used to deploy smart contracts for defining transaction conditions in the blockchain network, wherein the trading platform node is a game settlement and financing platform node; A receiving node, configured to upload transaction data representing transaction details between the receiving node and the supplier node to the blockchain network, wherein the receiving node is an enterprise node; A supplier node, configured to generate a financing application based on the transaction data and upload the financing application to the blockchain network, wherein the supplier node is a game supplier node; An investor node, configured to generate a review result corresponding to the financing application and broadcast the review result, wherein the investor node is a financial institution node; A consensus node is used to verify the legitimacy of the audit result. Upon successful verification, the smart contract corresponding to the transaction data is called to respond to the audit result. The consensus node is any form of computing device connected to the network. The consensus node is further configured to reach a consensus on the response result of the audit result and package the response result of the audit result into a block and write it into the blockchain account book; After successful verification, the consensus node calls the smart contract corresponding to the transaction data to respond to the audit result, including: after successful verification, the consensus node calls the smart contract corresponding to the transaction data to detect whether the financing data corresponding to the financing application is greater than the asset data transferred from the receiving node to the supplier node; if so, freezing the asset data; if not, splitting the asset data to obtain asset sub-data corresponding to the financing data and freezing the asset sub-data; The supplier node broadcasts the confirmation repayment result corresponding to the financing application; The consensus node verifies the legitimacy of the confirmed repayment result. Upon successful verification, the smart contract corresponding to the transaction data is called to respond to the confirmed repayment result to destroy the frozen asset data or the asset sub-data; The consensus node reaches a consensus on the response result of confirming the repayment result and packages the response result of confirming the repayment result into a block and writes it into the blockchain account book.

8. A computer-readable storage medium having computer-readable instructions stored thereon, wherein when the computer-readable instructions are executed by a processor of a computer, the method according to any one of claims 1 to 6 is implemented.

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