A financing evaluation system, method, device, equipment and medium

Abstract

The present invention provides a financing evaluation system, method, device, equipment and medium, which are used to solve the problems of opaque information transmission, difficult financing and difficult risk control in the prior art. Since in the embodiments of the present invention, the transaction authentication platform node generates a redemption voucher according to the transaction authentication and the signature information of the core enterprise, the authenticity of the transaction authentication is ensured through the signature information of the core enterprise, and the repayment ability of the financing party is authenticated through the redemption voucher. Moreover, the financing platform node will verify the received redemption voucher to ensure the authenticity of the redemption voucher. Therefore, the problems of difficult financing and difficult risk control can be solved to a certain extent. And after the redemption voucher is verified and passed, a financing information sharing domain will be generated, and each financial institution can view information such as the financing situation of the financing party and the redemption voucher through the financing information sharing domain, effectively solving the problem of opaque message transmission.

Description

Technical Field

[0001] The present invention relates to the technical field of the financial industry, and in particular, to a financing evaluation system, method, device, equipment and medium. Background Art

[0002] With the progress of society, the development of the financial industry has become particularly important. When the financial industry is developing, corporate financing is also indispensable. For example, when an enterprise sells goods worth a certain amount, but the balance of the goods has not been received. If the enterprise urgently needs a sum of money at this time, it needs to use the goods information of the goods as collateral to obtain loans from other enterprises to avoid crises. And other enterprises may believe that the enterprise has the ability to repay according to the trade information of the goods sold, so as to achieve lending. However, there are some enterprises that forge trade information of goods sold to achieve financing, resulting in other enterprises doubting the repayment ability of the financing enterprises. And even if the financing enterprise has obtained a loan from one of the enterprises through the trade information of the goods sold, other enterprises do not know this news, and it is too costly to verify whether the goods information is true through manual offline verification. Therefore, there are problems such as opaque message transmission, difficult financing, difficult risk control, and high operating costs when conducting financing.

[0003] In the prior art, it is proposed to solve the problem of financing phenomena through blockchain technology. However, in blockchain, after information is uploaded to the chain, it can only ensure that the uploaded information cannot be tampered with, and it cannot ensure that the uploaded information is necessarily accurate. Therefore, it cannot solve the problems of difficult financing and difficult risk control. And there may be different chains in blockchain, so not all information can be transparent.

[0004] Therefore, it can be seen that when conducting financing evaluation in the prior art, there are problems of opaque information transmission, difficult financing, and difficult risk control. Summary of the Invention

[0005] The present invention provides a financing evaluation system, method, device, equipment and medium to solve the problems of opaque information transmission, difficult financing, and difficult risk control in the prior art.

[0006] In a first aspect, an embodiment of the present invention provides a financing evaluation system, which includes: a core enterprise node, a financing party node, a financing platform node, a transaction authentication platform node, and at least one financial institution node;

[0007] The trading authentication platform node is used to receive trading authentication, where the trading authentication carries information of the core enterprise, forward the trading authentication to the core enterprise node corresponding to the core enterprise, receive the signature information sent by the core enterprise node, generate a redemption voucher according to the trading authentication and the signature information, and forward the redemption voucher to the financing platform node; receive the financing application sent by the financing party node, connect the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application, and generate a financing information sharing domain.

[0008] The core enterprise node is used to receive the trading authentication and forward the received signature information to the trading authentication platform node.

[0009] The financing platform node is used to receive the redemption voucher and, after passing the verification of the redemption voucher, send the information that the redemption voucher verification is passed to the financing party node.

[0010] The financing party node is used to receive the information that the redemption voucher verification is passed, receive the financing application, and send the financing application to the trading authentication platform node.

[0011] Further, the financing platform node is also used to receive the uploaded trade information, initiate a trading authentication carrying the trade information, and send the trading authentication to the trading authentication platform node; the trade information includes: trade contract, transaction invoice, and accounts receivable.

[0012] Further, the trading authentication platform node is also used to generate an original voucher according to the trade information carried in the trading authentication.

[0013] Based on the original voucher, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest.

[0014] Generate a redemption voucher according to the original voucher, the signature value, the public key of the core enterprise, and the signature information.

[0015] Further, the financing platform node is also used to obtain the public key of the core enterprise carried in the redemption voucher, decrypt the signature value in the redemption voucher to obtain the decrypted first message digest; obtain the original voucher in the redemption voucher, and generate a second message digest based on the original voucher; verify the redemption voucher according to the first message digest and the second message digest.

[0016] Further, the transaction authentication platform node is further configured to generate an information usage authorization letter according to the information of the financial institution node carried in the financing application after receiving the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0017] Further, the financial institution node is configured to receive the endorsement information sent by the corresponding financial institution and send the endorsement information to other nodes in the financing information sharing domain; wherein the endorsement information includes: the borrowing amount and the repayment time.

[0018] In a second aspect, an embodiment of the present invention provides a financing evaluation method, and the method includes:

[0019] Receive a transaction authentication, where the transaction authentication carries information of the core enterprise, and forward the transaction authentication to the core enterprise node corresponding to the core enterprise;

[0020] Receive the signature information sent by the core enterprise node, generate a redemption certificate according to the transaction authentication and the signature information, and forward the redemption certificate to the financing platform node;

[0021] Receive the financing application sent by the financing party node, and connect the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application to generate a financing information sharing domain.

[0022] Further, the generating a redemption certificate according to the transaction authentication and the signature information includes:

[0023] Generate an original certificate according to the trade information carried in the transaction authentication;

[0024] Based on the original certificate, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest;

[0025] Generate a redemption certificate according to the original certificate, the signature value, the public key of the core enterprise, and the signature information.

[0026] Further, after receiving the financing application sent by the financing party node and before connecting the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application to generate a financing information sharing domain, the method further includes:

[0027] Generate an information usage authorization letter according to the information of the financial institution node carried in the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0028] In a third aspect, a financing evaluation device provided by an embodiment of the present invention includes:

[0029] A processing module, configured to receive a transaction authentication, where the transaction authentication carries information of a core enterprise, and forward the transaction authentication to a core enterprise node corresponding to the core enterprise;

[0030] The processing module is further configured to receive signature information sent by the core enterprise node, generate a redemption certificate according to the transaction authentication and the signature information, and forward the redemption certificate to the financing platform node;

[0031] A financing application module, configured to receive a financing application sent by the financing party node, connect the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application, and generate a financing information sharing domain.

[0032] Further, the processing module is specifically configured to generate an original certificate according to the trade information carried in the transaction authentication; based on the original certificate, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest; generate a redemption certificate according to the original certificate, the signature value, the public key of the core enterprise, and the signature information.

[0033] Further, the device further includes: a generation module, configured to generate an information use authorization letter according to the information of the financial institution node carried in the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0034] In a fourth aspect, the present application provides an electronic device, which includes a processor and a memory. The memory is used to store program instructions, and the processor is used to implement the steps of the above financing evaluation method when executing the computer program stored in the memory.

[0035] In a fifth aspect, the present application provides a computer-readable storage medium, which stores a computer program, and the computer program implements the steps of the above financing evaluation method when executed by a processor.

[0036] In the embodiments of the present invention, the transaction authentication platform node generates a redemption voucher based on transaction authentication and the signature information of the core enterprise. The authenticity of the transaction authentication is ensured through the signature information of the core enterprise, and the repayment ability of the financing party is authenticated through the redemption voucher. Moreover, the financing platform node verifies the received redemption voucher to ensure the authenticity of the redemption voucher. Therefore, the problems of difficult financing and difficult risk control can be solved to a certain extent. And after the redemption voucher is verified and passed, a financing information sharing domain will be generated, and each financial institution can view information such as the financing situation of the financing party and the redemption voucher through the financing information sharing domain, effectively solving the problem of opaque message transmission. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the technical solutions of the present application, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0038] Figure 1 Structural schematic diagram of a financing evaluation system provided by some embodiments of the present invention;

[0039] Figure 2 Schematic diagram of the process of generating a redemption voucher provided by an embodiment of the present invention;

[0040] Figure 3 Information that can be viewed in the financing information sharing domain provided by an embodiment of the present invention;

[0041] Figure 4 Schematic diagram of the detailed implementation process of the financing evaluation system provided by an embodiment of the present invention;

[0042] Figure 5 Schematic diagram of the process of a financing evaluation method provided by an embodiment of the present invention;

[0043] Figure 6 A financing evaluation device provided by an embodiment of the present invention;

[0044] Figure 7 An electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0045] In order to make the purpose, technical solutions and advantages of the present application clearer, the following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings. Obviously, the described embodiments are only some of the embodiments of the present application, rather than all of them. All other embodiments obtained by those of ordinary skill in the art based on the embodiments in the present application belong to the scope of protection of the present application.

[0046] In order to make information transmission transparent, financing simple, and risk control simple, embodiments of the present invention provide a financing evaluation system, method, device, equipment, and medium.

[0047] Embodiment 1:

[0048] Figure 1 A structural schematic diagram of a financing evaluation system provided for some embodiments of the present invention, the system includes: a core enterprise node 101, a financing party node 102, a financing platform node 103, a transaction authentication platform node 104, and at least one financial institution node 105;

[0049] The transaction authentication platform node 104 is configured to receive a transaction authentication, where the transaction authentication carries information of the core enterprise, forward the transaction authentication to the core enterprise node 101 corresponding to the core enterprise, receive the signature information sent by the core enterprise node 101, generate a redemption voucher according to the transaction authentication and the signature information, and forward the redemption voucher to the financing platform node 103; receive a financing application sent by the financing party node 102, connect the financial institution node 105 and the financing party node 102 that sends the financing application according to the information of the financial institution node 105 carried in the received financing application, and generate a financing information sharing domain;

[0050] The core enterprise node 101 is configured to receive the transaction authentication and forward the received signature information to the transaction authentication platform node 104;

[0051] The financing platform node 103 is configured to receive the redemption voucher, and after verifying the redemption voucher, send information that the redemption voucher is verified to the financing party node 102;

[0052] The financing party node 102 is configured to receive the information that the redemption voucher is verified, and receive a financing application, and send the financing application to the transaction authentication platform node.

[0053] To solve the problems of difficult financing and difficult risk control, and to gain the trust of financial institutions through redemption vouchers. In the embodiments of the present invention, the redemption vouchers are generated based on transaction authentication and the signature information of the core enterprise, and the generation of the redemption vouchers is performed by the transaction authentication platform node 104. Specifically, when generating the redemption vouchers, the transaction authentication platform node obtains the information of the core enterprise carried in the received transaction authentication according to the received transaction authentication, and forwards the transaction authentication to the core enterprise node 101 corresponding to the core enterprise carried in the transaction authentication. When the signature information sent by the core enterprise node 101 is received, that is, when the core enterprise verifies the transaction authentication, indicating that the transaction authentication actually exists, the transaction authentication platform node 104 generates the redemption vouchers according to the received transaction authentication and signature information. After the transaction authentication platform node 104 generates the redemption vouchers, it forwards the generated redemption vouchers to the financing platform node 103, and the financing platform node 103 verifies the redemption vouchers.

[0054] In the embodiments of the present invention, when the transaction authentication platform node 104 receives a financing application sent by the financing party node 102, in order to achieve financing, the financing application carries the information of the financial institution node 105 for which financing is to be carried out. According to the information of the financial institution node carried in the financing application, the transaction authentication platform node 104 connects the financing party node 102 and the financial institution node 105, thereby generating a financing information sharing domain. Under the generated financing information sharing domain, each financial institution node can check whether to endorse each other, that is, whether to provide a loan, so as to achieve transparent message transmission. That is, the financial institution node targeted for financing is incorporated into the financing chain.

[0055] The core enterprise node 101 is equivalent to a verification platform, which authenticates the transaction authentication sent by the transaction authentication platform node 104. If there are no problems with the transaction authentication, the core enterprise node 101 will receive the signature information, and after receiving the signature information, it will send the received signature information to the transaction authentication platform node 104. Since the transaction authentication contains trade information, indicating that the financing party has the ability to repay the loan, and the signature by the core enterprise indicates that the transaction authentication is true and valid, the problem of difficult risk control is avoided in the embodiments of the present invention.

[0056] In the embodiments of the present invention, for the financing platform node 103, when it receives the redemption vouchers, it verifies the received redemption vouchers. When the verification of the redemption vouchers is passed, it indicates that the financing party has the ability to repay the loan, so the financial institution can trust the financing party. And to improve efficiency, after the verification is passed, the financing platform node 103 sends the verified information to the financing party node 102.

[0057] After the financing party node 102 receives the information indicating successful verification, the financing party can initiate a verification application. Therefore, the financing party node 102 can receive a financing application. And in order to generate a financing information sharing domain, the financing party node 102 sends the received financing application to the transaction authentication platform node 104.

[0058] Since in the embodiment of the present invention, the transaction authentication platform node generates a redemption voucher based on transaction authentication and the signature information of the core enterprise. The signature information of the core enterprise ensures the authenticity of the transaction authentication, and the redemption voucher is used to authenticate the repayment ability of the financing party. And the financing platform node will verify the received redemption voucher to ensure the authenticity of the redemption voucher. Therefore, to a certain extent, it can solve the problems of difficult financing and difficult risk control. And after the redemption voucher is verified successfully, a financing information sharing domain will be generated. Each financial institution can view information such as the financing situation of the financing party and the redemption voucher through the financing information sharing domain, effectively solving the problem of opaque message transmission.

[0059] Embodiment 2:

[0060] In order to improve the simplicity of financing and risk control, on the basis of the above embodiment, in the embodiment of the present invention, the financing platform node is further configured to receive the uploaded trade information, initiate a transaction authentication carrying the trade information, and send the transaction authentication to the transaction authentication platform node; the trade information includes: trade contract, transaction invoice, and accounts receivable.

[0061] In order to accurately generate a redemption voucher, after the financing platform node 103 receives the trade information uploaded by the financing party, it initiates a transaction authentication carrying the trade information and sends the transaction authentication to the transaction authentication platform node 104 in order to generate a redemption voucher.

[0062] Among them, the trade information is the information generated when the financing party has a trade transaction with the core enterprise as a supplier offline. The financing party issues an invoice according to the trade contract and the payment situation of the core enterprise, and agrees on the subsequent payment time and accounts receivable, that is, the payment form. After reaching an agreement, the financing party uploads the trade information to the financing platform node 103, and the trade information includes: trade contract, invoice, accounts receivable and other information.

[0063] To improve the simplicity of financing and risk control, based on the above embodiments, in the embodiments of the present invention, the transaction authentication platform node 104 is further configured to generate an original voucher according to the trade information carried in the transaction authentication; based on the original voucher, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest; generate a redemption voucher according to the original voucher, the signature value, the public key of the core enterprise, and the signature information.

[0064] To accurately achieve financing, the redemption voucher meets the requirements of basic financial financing. Therefore, in the embodiments of the present invention, the redemption voucher is generated at the transaction authentication platform node 104. Specifically, the transaction authentication platform node 104 generates an initial original voucher according to the received trade information; after generating the original voucher, the transaction authentication platform node 104 calculates the message digest of the original voucher using a preset algorithm. Specifically, the SHA-256 digest algorithm can be used to generate a 256-bit message digest; and encrypt the generated message digest. The encryption can use the public key encryption algorithm (RSA), and use the private key of the core enterprise to sign the encrypted digest information to generate a signature value; encapsulate according to the original voucher, the signature value, the public key of the core enterprise, the public key certificate of the core enterprise included in the received signature information, the electronic signature, and the timestamp information to generate a redemption voucher. The timestamp information can be the time when the signature value is generated or the time when the encapsulation is performed. Specifically, the timestamp information is not limited here. And the redemption voucher also contains a voucher template pre-stored in the transaction authentication platform node 104.

[0065] Figure 2 It is a schematic diagram of the process for generating the redemption voucher provided by the embodiments of the present invention.

[0066] S201: Generate an original voucher according to the received trade information.

[0067] S202: Based on the original voucher, use a preset algorithm to generate a message digest.

[0068] S203: Generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest.

[0069] S204: Obtain timestamp information.

[0070] S205: Generate a redemption voucher.

[0071] In order to improve the simplicity of financing and risk control, based on the above embodiments, in the embodiments of the present invention, the financing platform node 103 is further configured to obtain the public key of the core enterprise carried in the redemption certificate, decrypt the signature value in the redemption certificate to obtain the decrypted first message digest; obtain the original certificate in the redemption certificate, and generate a second message digest based on the original certificate by using a preset algorithm; and verify the redemption certificate according to the first message digest and the second message digest.

[0072] Since the generated redemption certificate may not be authentic after it is generated, in order to ensure the authenticity of the generated redemption certificate, it is verified by the financing platform node 103. Specifically, after receiving the redemption certificate, the financing platform node 103 extracts the public key of the core enterprise in the redemption certificate, and decrypts the signature value in the redemption certificate according to the extracted public key of the core enterprise to generate a first message digest. For the sake of distinction, the message digest obtained after decryption is called the first message digest. The original certificate in the redemption certificate is extracted, and a second message digest of the original certificate is calculated by using a preset algorithm. Specifically, the SHA-256 digest algorithm may be used to generate a message digest with a length of 256 bits. The preset algorithm is the same as the algorithm used when generating the message digest according to the redemption certificate. Specifically, what the preset algorithm is will not be limited here.

[0073] After generating the first message digest and the second message digest, the generated first message digest is compared with the second message digest to verify the authenticity of the certificate. Among them, when comparing, it can be compared whether the first message digest is exactly the same as the second message digest, or it can be compared whether the first message digest and the second message digest are within a preset deviation range. Specifically, how to compare will not be limited here.

[0074] Embodiment 3:

[0075] In order to achieve transparent message transmission, based on the above embodiments, in the embodiments of the present invention, the transaction authentication platform node 104 is further configured to generate an information use authorization letter according to the information of the financial institution node carried in the financing application after receiving the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0076] In the embodiments of the present invention, message transparency is achieved through the financing information sharing domain. After the information sharing domain is generated, all participating parties in the information sharing domain can view all financing information. Since after receiving a financing application, based on the information use authorization letter, the financial institution node 105 can view the information in the financing information sharing domain, and the information use authorization letter is generated based on the information of the financial institution and the information of the financing party carried in the financing application. An information use authorization letter is generated for each financial institution. And the information use authorization letter is generated by the transaction authentication platform node 104 after receiving the financing application according to the information of the financial institution node 105 carried in the financing application.

[0077] Embodiment 4:

[0078] To achieve transparent information transmission, based on the above embodiments, in the embodiments of the present invention, the financial institution node 105 is configured to receive the endorsement information sent by the corresponding financial institution and send the endorsement information to other nodes in the financing information sharing domain; wherein the endorsement information includes: the borrowing amount and the repayment time.

[0079] Since when a financial institution views the borrowing of other financial institutions through the financing information sharing domain, it can increase the trust in the financing party. And if the borrowing amount of other financial institutions is close to or exceeds the amount in the trade information, the financial institution can also better understand the situation of the financing party. The financing party can make a decision on endorsing the financing according to the information in the financing information sharing domain. Therefore, the financial institution node 105 is configured to receive the endorsement information sent by the financial institution, and to ensure message transparency, after receiving the endorsement information, it will send the endorsement information to other nodes in the financing information sharing domain. And the endorsement information includes information such as the borrowing amount and the repayment time.

[0080] Figure 3 It is the information viewable in the financing information sharing domain provided by the embodiments of the present invention.

[0081] The information viewable in the financing information sharing domain includes: redemption vouchers, information use authorization letters, trade information, invoice information, financing transfer information, endorsement information of each financial institution, application codes, and other information.

[0082] Among them, the invoice information is the network invoice query database in the financing platform. Through the interactive matching of the regular network invoice query database, the change of the invoice status is monitored regularly. If the invoice status changes, the change of the invoice status will be uploaded to the financing platform node. The invoice status includes status such as void. Since data sharing is the core element of supply chain finance services in the financing information sharing domain, and the invoice is an accessory of trade information in the supply chain, the change of the invoice information status affects the achievement of the financing relationship. And the payment voucher, information use authorization letter, trade information, and application code are the information that can be viewed when the financing information sharing domain is just generated, that is, the information that can be viewed after initiating a financing application. And the invoice information, financing transfer information, endorsement information of each financial institution, and trade information are all information related to the invoice information, that is, the information shared based on the invoice information.

[0083] The financing transfer information includes information such as when the financing application was endorsed and which financial institution made the endorsement.

[0084] The application code is the unique application code of the financing party and multiple financial institutions generated after the financing party initiates an application. When the application code is generated, a financing information sharing domain is created, and all financial institutions in the financing information sharing domain can master all financial information within the domain.

[0085] And in the embodiment of the present invention, if there is an information participant joining, a new information sharing node will be automatically established, and joining the financing information sharing domain means intervening in the information sharing contract.

[0086] Figure 4 The following is a detailed implementation process schematic diagram of the financing evaluation system provided by the embodiment of the present invention, and the specific steps are as follows:

[0087] S401: The financing party and the core enterprise conduct transactions offline and sign a trade contract.

[0088] S402: The financing party issues an invoice to the core enterprise offline.

[0089] S403: The core enterprise issues an accounts receivable voucher offline.

[0090] S404: The financing party uploads trade information on the financing platform node.

[0091] S405: The financing platform node initiates a transaction authentication carrying the trade information according to the received trade information and sends the transaction authentication to the transaction authentication platform node.

[0092] S406: The transaction authentication platform node sends the transaction authentication to the core enterprise node according to the information of the core enterprise carried in the received transaction authentication.

[0093] S407: After receiving the transaction authentication, if the core enterprise node receives the signature information, it sends the received signature information to the transaction authentication platform node.

[0094] S408: The transaction authentication platform node generates a redemption voucher and sends the generated redemption voucher to the financing platform node.

[0095] S409: The financing platform node verifies the redemption voucher and feeds back the verification result to the financier node.

[0096] S410: The financier node receives the financing application and sends the financing application to the transaction authentication platform node.

[0097] S411: The transaction authentication platform node generates a financing information sharing domain based on the financial institution information carried in the financing application.

[0098] S412: The financial institution node receives the endorsement information and sends the endorsement information to other nodes in the financing information sharing domain.

[0099] Embodiment 5:

[0100] Figure 5 It is a schematic process diagram of a financing evaluation method provided by an embodiment of the present invention. The process includes:

[0101] S501: Receive the transaction authentication, where the transaction authentication carries the information of the core enterprise, and forward the transaction authentication to the core enterprise node corresponding to the core enterprise.

[0102] S502: Receive the signature information sent by the core enterprise node, generate a redemption voucher according to the transaction authentication and the signature information, and forward the redemption voucher to the financing platform node.

[0103] S503: Receive the financing application sent by the financier node, connect the financial institution node and the financier node that sends the financing application according to the information of the financial institution node carried in the received financing application, and generate a financing information sharing domain.

[0104] In a possible implementation manner, the generating a redemption voucher according to the transaction authentication and the signature information includes:

[0105] Generate an original voucher according to the trade information carried in the transaction authentication;

[0106] Based on the original voucher, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest;

[0107] Generate a redemption voucher based on the original voucher, the signature value, the public key of the core enterprise, and the signature information.

[0108] In a possible implementation, after receiving the financing application sent by the financing party node, before connecting the financial institution node and the financing party node that sent the financing application to generate a financing information sharing domain according to the information of the financial institution node carried in the received financing application, the method further includes:

[0109] Generate an information use authorization letter according to the information of the financial institution node carried in the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0110] This method is applied to the transaction authentication platform node. For the specific process of the transaction authentication platform node executing this financing evaluation method, reference can be made to the above-mentioned other embodiments, and the specific content will not be elaborated here.

[0111] Embodiment 6:

[0112] Figure 6 A financing evaluation device provided by an embodiment of the present invention, the device includes:

[0113] A processing module 601, configured to receive a transaction authentication, where the transaction authentication carries information of the core enterprise, and forward the transaction authentication to the core enterprise node corresponding to the core enterprise;

[0114] The processing module 601 is further configured to receive the signature information sent by the core enterprise node, generate a redemption voucher according to the transaction authentication and the signature information, and forward the redemption voucher to the financing platform node;

[0115] A financing application module 602, configured to receive the financing application sent by the financing party node, and connect the financial institution node and the financing party node that sent the financing application according to the information of the financial institution node carried in the received financing application to generate a financing information sharing domain.

[0116] In a possible implementation, the processing module 601 is specifically configured to generate an original voucher according to the trade information carried in the transaction authentication; based on the original voucher, generate a message digest by using a preset algorithm, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest; generate a redemption voucher according to the original voucher, the signature value, the public key of the core enterprise, and the signature information.

[0117] In a possible implementation, the device further includes: a generation module 603, configured to generate an information usage authorization letter according to the information of the financial institution node carried in the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0118] Embodiment 7:

[0119] Figure 7 This is a schematic structural diagram of an electronic device provided by the present application. On the basis of the above embodiments, the embodiment of the present application further provides an electronic device, as Figure 7 shown, including: a processor 701, a communication interface 702, a memory 703, and a communication bus 704, where the processor 701, the communication interface 702, and the memory 703 complete mutual communication through the communication bus 704;

[0120] A computer program is stored in the memory 703. When the program is executed by the processor 701, the processor 701 is caused to execute the following steps:

[0121] Receive a transaction authentication, where the transaction authentication carries information of the core enterprise, and forward the transaction authentication to the core enterprise node corresponding to the core enterprise.

[0122] Receive the signature information sent by the core enterprise node, generate a redemption voucher according to the transaction authentication and the signature information, and forward the redemption voucher to the financing platform node;

[0123] Receive the financing application sent by the financing party node, connect the financial institution node and the financing party node that sent the financing application according to the information of the financial institution node carried in the received financing application, and generate a financing information sharing domain.

[0124] In a possible implementation, the generating a redemption voucher according to the transaction authentication and the signature information includes:

[0125] Generate an original voucher according to the trade information carried in the transaction authentication;

[0126] Based on the original voucher, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest;

[0127] Generate a redemption voucher according to the original voucher, the signature value, the public key of the core enterprise, and the signature information.

[0128] In a possible implementation manner, after receiving the financing application sent by the financing party node, before connecting the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application to generate a financing information sharing domain, the method further includes:

[0129] Generate an information use authorization letter according to the information of the financial institution node carried in the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0130] The communication interface 702 is used for communication between the above-mentioned electronic device and other devices.

[0131] The memory may include a Random Access Memory (RAM), and may also include a Non-Volatile Memory (NVM), such as at least one disk memory. Optionally, the memory may also be at least one storage device located far from the aforementioned processor.

[0132] The above-mentioned processor may be a general-purpose processor, including a central processing unit, a Network Processor (NP), etc.; it may also be a Digital Signal Processing (DSP), an application-specific integrated circuit, a field programmable gate array, or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.

[0133] Embodiment 8:

[0134] Based on the above embodiments, an embodiment of the present application provides a computer-readable storage medium, in which a computer program executable by a processor is stored. When the program runs on the processor, the processor is caused to execute the following steps when executed:

[0135] Receive a transaction authentication, where the transaction authentication carries information of the core enterprise, and forward the transaction authentication to the core enterprise node corresponding to the core enterprise.

[0136] Receive the signature information sent by the core enterprise node, generate a redemption certificate according to the transaction authentication and the signature information, and forward the redemption certificate to the financing platform node;

[0137] Receive the financing application sent by the financing party node, connect the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application, and generate a financing information sharing domain.

[0138] In a possible implementation manner, generating a redemption voucher according to the transaction authentication and the signature information includes:

[0139] Generating an original voucher according to the trade information carried in the transaction authentication;

[0140] Based on the original voucher, using a preset algorithm to generate a message digest, encrypting the message digest, and generating a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest;

[0141] Generating a redemption voucher according to the original voucher, the signature value, the public key of the core enterprise, and the signature information.

[0142] In a possible implementation manner, after receiving the financing application sent by the financing party node, before connecting the financial institution node and the financing party node that sends the financing application according to the information of the financial institution node carried in the received financing application and generating a financing information sharing domain, the method further includes:

[0143] Generating an information use authorization letter according to the information of the financial institution node carried in the financing application, so that the financial institution node can view the information in the financing information sharing domain.

[0144] Since the principle of the computer-readable medium provided above for solving problems is similar to the financing evaluation method, after the processor executes the computer program in the above computer-readable medium, the implemented steps can refer to the above other embodiments, and the repeated parts will not be described again.

[0145] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0146] The present invention is described with reference to the flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate for implementing in the process Figure 1One or more processes and / or blocks Figure 1 Apparatus for the functions specified in one or more blocks

[0147] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to work in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including an instruction apparatus that implements the functions in the process Figure 1 One or more processes and / or blocks Figure 1 The functions specified in one or more blocks

[0148] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus, such that a series of operational steps are performed on the computer or other programmable apparatus to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions in the process Figure 1 One or more processes and / or blocks Figure 1 The steps of the functions specified in one or more blocks

[0149] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention is also intended to include these changes and modifications

Claims

1. A financing evaluation system, characterized in that, the system includes: a core enterprise node, a financing party node, a financing platform node, a transaction authentication platform node, and at least one financial institution node; the transaction authentication platform node is configured to receive a transaction authentication, where the transaction authentication carries information of the core enterprise, forward the transaction authentication to the core enterprise node corresponding to the core enterprise, receive the signature information sent by the core enterprise node, where the signature information indicates that the core enterprise has verified the transaction authentication, and determine that the transaction authentication actually exists; generate a redemption certificate according to the transaction authentication and the signature information, and forward the redemption certificate to the financing platform node; receive a financing application sent by the financing party node, connect the financial institution node and the financing party node that sent the financing application according to the information of the financial institution node carried in the received financing application, and generate a financing information sharing domain; the core enterprise node is configured to receive the transaction authentication and forward the received signature information to the transaction authentication platform node; the financing platform node is configured to receive the redemption certificate, and after verifying the redemption certificate, send information indicating that the redemption certificate has been verified to the financing party node; is also configured to receive uploaded trade information, initiate a transaction authentication carrying the trade information, and send the transaction authentication to the transaction authentication platform node; the trade information includes: a trade contract, a transaction invoice, and an accounts receivable; the financing party node is configured to receive the information indicating that the redemption certificate has been verified and receive a financing application, and send the financing application to the transaction authentication platform node; the transaction authentication platform node is further configured to generate an information use authorization letter according to the information of the financial institution node carried in the received financing application after receiving the financing application, so that the financial institution node can view the information in the financing information sharing domain.

2. The system according to claim 1, characterized in that, the transaction authentication platform node is further configured to generate an original certificate according to the trade information carried in the transaction authentication; based on the original certificate, use a preset algorithm to generate a message digest, encrypt the message digest, and generate a signature value according to the private key of the core enterprise included in the signature information and the encrypted message digest; generate a redemption certificate according to the original certificate, the signature value, the public key of the core enterprise, and the signature information.

3. The system according to claim 1, characterized in that, the financing platform node is further configured to obtain the public key of the core enterprise carried in the redemption certificate, decrypt the signature value in the redemption certificate to obtain a decrypted first message digest; obtain the original certificate in the redemption certificate, and generate a second message digest based on the original certificate using a preset algorithm; verify the redemption certificate according to the first message digest and the second message digest.

4. The system according to claim 1, characterized in that, The financial institution node is used to receive the endorsement information sent by the corresponding financial institution and send the endorsement information to other nodes in the financing information sharing domain; The endorsement information includes: the borrowing amount and the repayment time.

5. An electronic device, Characterized in that, The electronic device at least includes a processor and a memory. When the processor executes the computer program stored in the memory, it executes the steps of the financing evaluation method corresponding to the financing evaluation system according to any one of claims 1-4.

6. A computer-readable storage medium, Characterized in that, It stores a computer program, and when the computer program is executed by a processor, it executes the steps of the financing evaluation method corresponding to the financing evaluation system according to any one of claims 1-4.

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