Enterprise transaction method, device, terminal and storage medium

Abstract

The present application discloses a transaction method, device, terminal, and storage medium for an enterprise. The method includes: determining multiple target business data corresponding to multiple enterprise blockchains based on blockchain technology and multiple enterprises in supply chain finance; determining the credit value of the digital credit certificate based on the target evaluation model corresponding to the multiple target business data and the digital credit certificate; and realizing the transaction of the digital credit certificate based on the credit value and the smart contract. The present invention uploads multiple target business data of multiple enterprises to the chain, and ensures the authenticity, security, and verifiability of the data through blockchain technology. In addition, without the direct participation of the core enterprise, the present invention uses blockchain technology to enable other small and medium-sized enterprises in supply chain finance to directly generate credible digital credit certificates based on the data on the chain, and based on the digital credit certificate and smart contract, realize the digital transaction of the enterprise, reduce the financing cost of the enterprise, and improve transaction efficiency.

Description

Technical Field

[0001] The present application relates to the field of digital transaction technology, and more specifically, to a transaction method, device, terminal, and storage medium for an enterprise. Background Art

[0002] Digitalization and the Internet have given contemporary small and medium-sized enterprises greater transaction space, faster information speed, more market opportunities, and better technical means. Therefore, small and medium-sized enterprises in supply chain finance can break through the barriers of time and space and achieve efficient transactions.

[0003] Currently, supply chain finance is primarily based on traditional retail banking credit models. This uses a centralized system where bank credit officers verify a company's accounts, bills, and contracts, then enter them into a computer system. Once verified, they provide financing, guarantees, factoring, and other services. Small and medium-sized enterprises in the supply chain then issue digital credit certificates to conduct transactions, such as financing and transfers.

[0004] However, the above transaction methods rely on core enterprises, and no method has been proposed for small and medium-sized enterprises in supply chain finance to realize transactions without the direct participation of core enterprises. Summary of the Invention

[0005] The main purpose of this application is to provide an enterprise transaction method, device, terminal and storage medium to solve the problem in related technologies that small and medium-sized enterprises in supply chain finance cannot realize transactions without the direct participation of core enterprises.

[0006] To achieve the above objectives, in a first aspect, the present application provides a transaction method for an enterprise, comprising:

[0007] Based on blockchain technology and multiple enterprises in supply chain finance, multiple target business data corresponding to the multiple enterprise blockchains are determined, wherein the multiple enterprises do not include the core enterprise, and the multiple enterprises and the multiple target business data correspond one to one;

[0008] Determine the credit value of the digital credit certificate based on multiple target business data and a target evaluation model corresponding to the digital credit certificate;

[0009] Based on credit value and smart contracts, transactions of digital credit certificates are realized.

[0010] In one possible implementation, based on blockchain technology and multiple enterprises in supply chain finance, multiple target business data corresponding to multiple enterprise blockchains are determined, including:

[0011] Based on blockchain technology and multiple enterprises, establish blockchain networks corresponding to multiple enterprises;

[0012] Based on multiple enterprise blockchains and multiple enterprises in the blockchain network, multiple target business data are determined, wherein the multiple enterprise blockchains and the multiple enterprises correspond one to one.

[0013] In one possible implementation, based on multiple enterprise blockchains and multiple enterprises in a blockchain network, multiple target business data are determined, including:

[0014] For each of the multiple enterprises, initial business data of the enterprise is collected, and the initial business data is standardized to obtain the target business data of the enterprise;

[0015] Upload the target business data to the enterprise blockchain corresponding to the enterprise to obtain the target business data corresponding to the enterprise blockchain;

[0016] The target business data is aggregated to obtain multiple target business data.

[0017] In one possible implementation, determining the credit value of a digital credit credential based on multiple target business data and a target evaluation model corresponding to the digital credit credential includes:

[0018] Establish an initial evaluation model corresponding to digital credit credentials;

[0019] Iteratively optimize the initial evaluation model through smart contracts to obtain the target evaluation model;

[0020] Multiple target business data are input into the target evaluation model to obtain the credit value of the digital credit certificate.

[0021] In one possible implementation, before establishing the initial evaluation model corresponding to the digital credit credential, the following steps are also included:

[0022] Select a target enterprise from multiple enterprises;

[0023] Define the digital credit credentials of the target enterprise based on smart contracts.

[0024] In one possible implementation, digital credit voucher transactions are implemented based on credit value and smart contracts, including:

[0025] Use smart contracts to verify digital credit certificates. If the verification is qualified, the digital credit certificates will be traded at the credit value.

[0026] In a possible implementation, after the digital credit certificate is traded with the credit value, the following is further included:

[0027] Get transaction data;

[0028] Dynamically adjust credit value based on transaction data.

[0029] In a second aspect, an embodiment of the present invention provides a transaction device for an enterprise, comprising:

[0030] The data chain module is used to determine multiple target business data corresponding to multiple enterprise blockchains based on blockchain technology and multiple enterprises in supply chain finance. The multiple enterprises do not include core enterprises, and the multiple enterprises and multiple target business data correspond one-to-one;

[0031] A credit value calculation module, configured to determine the credit value of a digital credit credential based on multiple target business data and a target evaluation model corresponding to the digital credit credential;

[0032] The transaction module is used to realize the transaction of digital credit certificates based on credit value and smart contracts.

[0033] In a third aspect, an embodiment of the present invention provides a terminal comprising a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the steps of any of the above-mentioned enterprise transaction methods are implemented.

[0034] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the steps of any of the above-mentioned transaction methods for human enterprises.

[0035] The embodiment of the present invention provides a transaction method, device, terminal and storage medium for an enterprise, including: based on blockchain technology and multiple enterprises in supply chain finance, determining multiple target business data corresponding to the multiple enterprise blockchains, then determining the credit value of the digital credit certificate based on the multiple target business data and the target evaluation model corresponding to the digital credit certificate, and then realizing the transaction of the digital credit certificate based on the credit value and the smart contract. The present invention puts multiple target business data of multiple enterprises on the chain, and ensures the authenticity, security and verifiability of the data through blockchain technology. In addition, without the direct participation of the core enterprise (on the chain and on the information network), the present invention uses blockchain technology to enable other small and medium-sized enterprises in supply chain finance to directly generate credible digital credit certificates based on the data on the chain, and based on the digital credit certificate and smart contract, realize the digital transaction of the enterprise, reduce the financing cost of the enterprise, and improve transaction efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] The drawings that constitute part of this application are used to provide a further understanding of this application and make other features, objects and advantages of this application more apparent. The illustrative embodiment drawings of this application and their descriptions are used to explain this application and do not constitute an improper limitation of this application. In the drawings:

[0037] Figure 1This is a flowchart of an implementation of a transaction method for an enterprise provided by an embodiment of the present invention;

[0038] Figure 2 is a schematic diagram of an enterprise supply chain provided by an embodiment of the present invention;

[0039] Figure 3 1 is a schematic diagram of the process of uploading data to the chain according to an embodiment of the present invention;

[0040] Figure 4 is a schematic diagram of enterprise data in a supply chain provided by an embodiment of the present invention;

[0041] Figure 5 This is a schematic diagram of the relationship between enterprise data and the pricing accuracy of digital credit credentials Token provided by an embodiment of the present invention;

[0042] Figure 6 This is a schematic diagram of the structure of a transaction device for an enterprise provided by an embodiment of the present invention;

[0043] Figure 7 is a schematic diagram of a terminal provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0044] To make the objectives, technical solutions, and advantages of the embodiments of the present invention more clear, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts shall fall within the scope of protection of the present invention.

[0045] The terms "first," "second," "third," "fourth," and so forth (if any) in the description and claims of the present invention and the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or sequential sequence. It should be understood that the terms used in this manner are interchangeable where appropriate, such that the embodiments of the present invention described herein can be practiced in sequences other than those illustrated or described herein.

[0046] It should be understood that in various embodiments of the present invention, the size of the sequence number of each process does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0047] It should be understood that in the present invention, "include" and "have" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or apparatus that includes a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to these processes, methods, products or apparatuses.

[0048] It should be understood that in the present invention, "multiple" refers to two or more. "And / or" is only a description of the association relationship of associated objects, indicating that three relationships can exist. For example, and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "Contains A, B and C", "Contains A, B, C" means that A, B, and C are all included, "Contains A, B or C" means that one of A, B, and C is included, and "Contains A, B and / or C" means that any one, any two, or any three of A, B, and C are included.

[0049] It should be understood that, in the present invention, "B corresponding to A," "B corresponding to A," "A corresponds to B," or "B corresponds to A" means that B is associated with A and B can be determined based on A. Determining B based on A does not mean determining B based solely on A; B can also be determined based on A and / or other information. A and B match when the similarity between A and B is greater than or equal to a preset threshold.

[0050] Depending on the context, "if" as used herein may be interpreted as "when" or "when" or "in response to determining" or "in response to detecting."

[0051] The following specific embodiments are used to describe the technical solution of the present invention in detail. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.

[0052] First, to make the present invention clear and easy to understand, the professional terms are explained as follows:

[0053] Supply chain finance: This refers to assessing a company's financial credit risk control and providing financial services based on its supply chain and upstream and downstream information. Supply chain finance primarily targets small and medium-sized enterprises.

[0054] Core enterprises: These are companies with a strong business voice throughout the entire supply chain. These companies are typically large in market capitalization, scale, and creditworthiness.

[0055] Digital certificate: refers to a digital asset, which can be a digital bill or contract, or a digitally expressed product, issued financial product, or service.

[0056] Data collection: refers to the process of standardizing physical world data and entering it into a computer system.

[0057] Data on-chain refers to the act of writing data to the blockchain through a computer system. This enables data to be distributed and broadcast on the blockchain, and relies on the characteristics of the blockchain to ensure that the data cannot be tampered with.

[0058] Consortium chain: A decentralized distributed blockchain network deployed in a specific network environment and only targeting members of a specific group.

[0059] Smart Contract: A smart contract is a computer protocol designed to communicate, verify, or execute contracts in an information-based manner. Smart contracts allow for trusted transactions without a third party, and these transactions are traceable and irreversible.

[0060] Participants: The blockchain network is a collectively shared peer-to-peer network operated by a group of identifiable and verifiable participants. Participants can be individuals or institutions. Participants participate in blockchain network activities in the form of on-chain nodes. Nodes can be pure data synchronization nodes or nodes that support

[0061] IoT: Internet of Things refers to the interconnection of devices with each other and devices with central systems through various sensor devices to achieve the interconnection between the physical world and the digital world.

[0062] Furthermore, in order to make the objectives, technical solutions and advantages of the present invention more clear, specific embodiments will be described below with reference to the accompanying drawings.

[0063] In one embodiment, Figure 1 As shown, a transaction method for an enterprise is provided, comprising the following steps:

[0064] Step S101: Based on blockchain technology and multiple enterprises in supply chain finance, determine multiple target business data corresponding to multiple enterprise blockchains.

[0065] Supply chain finance primarily targets small and medium-sized enterprises (SMEs), and the provision of financial services relies on core enterprises. The enterprise transaction method provided by this invention includes multiple enterprises in supply chain finance, excluding core enterprises. By leveraging blockchain technology and multiple target business data corresponding to these multiple enterprises, financial services can be provided to SMEs that are not core enterprises. The multiple enterprises and the multiple target business data correspond one-to-one.

[0066] To determine the target business data corresponding to multiple enterprise blockchains, it is necessary to first establish a blockchain network corresponding to multiple enterprises based on blockchain technology and multiple enterprises. Figure 2For example, by observing the industry supply chain, we can analyze that company B has upstream companies A1, A2, and A3, and downstream companies C1, C2, and the core enterprise. Furthermore, companies D and E are also involved in the supply chain. By leveraging these upstream and downstream relationships, we can establish a blockchain network for these companies.

[0067] Once the supply chain's upstream and downstream are clearly organized, all parties involved can be incorporated into the blockchain network's management. In practice, some companies may be unable or unwilling to join the blockchain network. However, this does not hinder the comprehensiveness of this solution, which aims to connect the upstream and downstream supply chains. If a company in the supply chain is not involved, it can be treated as a black box, with link analysis and weighting assigned to assess its impact on the issued credit certificate.

[0068] As a general patent solution, upstream enterprises include but are not limited to raw material suppliers, first-tier distributors, second-tier distributors, logistics, warehousing, manufacturers, equipment manufacturers, etc. Similarly, downstream enterprises include but are not limited to raw material suppliers, first-tier distributors, second-tier distributors, logistics, warehousing, manufacturers, equipment manufacturers, etc.

[0069] It should be noted that the multiple enterprises in the present invention do not include core enterprises. That is to say, the blockchain network corresponding to the multiple enterprises in the present invention is only composed of enterprise B, upstream enterprises A1, A2, A3, downstream enterprises C1, C2 and enterprises D and E.

[0070] After establishing blockchains corresponding to multiple enterprises, it is necessary to determine multiple target business data based on the multiple enterprise blockchains and multiple enterprises in the blockchain network. Specifically, it is necessary to first collect the initial business data of each of the multiple enterprises, standardize the initial business data to obtain the target business data of the enterprise, then upload the target business data to the enterprise blockchain corresponding to the enterprise to obtain the target business data corresponding to the enterprise blockchain. Finally, the target business data is aggregated to obtain multiple target business data. Among the multiple enterprises that constitute the blockchain network, each enterprise corresponds to an enterprise blockchain, that is, the multiple enterprise blockchains correspond one-to-one to the multiple enterprises.

[0071] Below Figure 3 Take the following as an example to illustrate the steps for determining multiple target business data:

[0072] Traditionally, financing for small and medium-sized enterprises relies on the credit endorsement of core enterprises. However, without the participation of core enterprises or with incomplete supply chain participants, the credit of small and medium-sized enterprise financing mainly comes from the SME's own data. Therefore, ensuring the accuracy of SME data is extremely important.

[0073] This solution primarily relies on, but is not limited to, IoT technology to collect data from SMEs. For example, sensors and cameras on assembly lines can be used to collect real-time information about goods being produced. After collecting initial business data from each SME, it is standardized to obtain target business data, which is then uploaded to each enterprise's corresponding enterprise blockchain. This initial business data includes, but is not limited to, logistics company data, warehouse inbound and outbound data, sales data, and distributor data.

[0074] Figure 3 The computer system in the solution can be an enterprise ERP system, APP or other information system that can process data. This solution does not limit the specific type of computer system to be connected. As long as the automated connection between data collection and chain-up is achieved, the latest production or sales data can be directly uploaded to the chain.

[0075] Step S102: Determine the credit value of the digital credit certificate based on multiple target business data and the target evaluation model corresponding to the digital credit certificate.

[0076] Specifically, to determine the credit value of a digital credit certificate, it is necessary to first establish an initial evaluation model corresponding to the digital credit certificate, then iteratively optimize the initial evaluation model through smart contracts to obtain a target evaluation model, and then input multiple target business data into the target evaluation model to obtain the credit value of the digital credit certificate.

[0077] The following is a specific example to illustrate the steps of determining the credit value of a digital credit certificate, which are as follows:

[0078] Based on blockchain and smart contract technology, small and medium-sized enterprises can issue digital credit certificates (i.e., tokens, hereinafter referred to as "tokens") on the blockchain. Tokens have basic attributes, such as value, ownership, share, and creation time. These basic attributes vary depending on the characteristics of the token itself.

[0079] Taking Token as an example, a priced and tradable certificate, the basic attribute structure is:

[0080]

[0081] Before establishing the initial evaluation model corresponding to the digital credit credential, it is necessary to first select the target enterprise from multiple enterprises, and then define the digital credit credential of the target enterprise based on the smart contract.

[0082] Let's assume the target company is B. To evaluate the value of a token issued or determined by company B (i.e., the credit value of a digital credit certificate), the token must first be defined through a smart contract. The most important aspects of this process are pricing the token and assessing risk. In this case, the evaluation is based on upstream and downstream supply chain data (i.e., the target business data).

[0083] Combine Figure 4 , to evaluate the value of the token issued by enterprise B, we can see that enterprise B has upstream enterprises A1, A2, A3, downstream enterprises C1, C2, core enterprises, and further downstream enterprises D and E.

[0084] The target business data for enterprise A1 is generated by the data sets setA1-1, setA1-2, and setA1-3, assuming they represent production, sales, and transportation data. The target business data for A2 is generated by the data sets setA2-1 and setA2-2, assuming they represent sales and split data. The same applies to enterprises A3, C1, C2, D, and E. It should be noted that this solution does not require the participation of core enterprises.

[0085] By aggregating all or part of the data provided by upstream and downstream parties in the supply chain, a comprehensive picture of the supply chain can be obtained. Based on this data, a formula and model (i.e., an initial valuation model) can be constructed for the tokens issued by Company B. The types of initial valuation models are not limited; examples include industry and business-specific models, comprehensive weighted models, and so on. The establishment of the initial valuation model includes, but is not limited to, price, value, risk, credibility, and other factors.

[0086] Taking the evaluation of the price of the token issued by B as an example, the initial evaluation model is as follows:

[0087] V Token-B =φ(F A1 (setA1-1, setA1-2, setA1-3),F A2 (setA2-1,setA2-2),F A3 (setA3-1, setA3-2, setA3-3, setA3-4),…)+ε

[0088] Among them, φ is the objective function of the initial evaluation model, ε is the error, F A1 is the first calculation function, setA1-1, setA1-2, setA1-3 are the output data sets of enterprise A1, F A2 is the second calculation function, setA2-1 and setA2-2 are the output data sets of enterprise A2, F A3is the third calculation function, setA3-1, setA3-2, setA3-3, and setA3-4 are the output data sets of enterprise A3 respectively. The output data sets of related enterprises can be added to the ellipsis in the formula, and they are no longer listed one by one.

[0089] The initial evaluation model, including model parameters, influencing factors, weights, confidence intervals, credibility, verifiability, and authenticity, may not be accurate and often has certain deviations. Therefore, it is necessary to iteratively optimize the initial evaluation model through smart contract technology to determine the target evaluation model, and then use the target evaluation model to determine the credit value of the digital credit certificate.

[0090] Since the credit value of an enterprise's digital credit certificate changes dynamically based on the update of the enterprise's target business data and target evaluation model, the more the target business data is continuously enriched, the more accurate the credit value of the digital credit certificate will be. This will be explained with a specific embodiment below.

[0091] Combine Figure 5 As company A1's data improves, assuming A1's impact on the token price is 0.1, then if A1's data increases the token's credibility by 10, the token price will increase by 0.1*10=1. (This is simplified because it also involves the credibility, timeliness, and creditworthiness of the company's data.)

[0092] For example, if C2's corporate data has a weight of 0.5 on the token price, and if C2's data is found to be fraudulent, not only will C2's corporate credentials be downgraded, but the price of tokens that rely on C2's data will also be reduced. For example, if C2's token price was 20 before the fraud, and C2's credit is reduced to 0, the token price will become -20 * 0.5 = -4, meaning the token price will drop by 4.

[0093] In summary, the pricing of digital tokens issued by companies within the supply chain will fully leverage data input from the entire supply chain. The data of company A may directly affect the token value of upstream and downstream companies B, C, and D, and vice versa.

[0094] By fully leveraging supply chain data, we gain the ability to price tokens issued by small and medium-sized enterprises within the supply chain. This solution doesn't rely on the strict participation of core enterprises. This approach empowers small and medium-sized enterprises to issue tokens.

[0095] It should be noted that the above-mentioned token value, token pricing, and token price are all the credit values of digital credit certificates.

[0096] Step S103: Based on the credit value and smart contract, the transaction of digital credit certificate is realized.

[0097] The above examples demonstrate how SMEs can issue and price tokens. After pricing, tokens can be used for related operations (i.e., trading digital credit credentials), including but not limited to additional issuance, repurchase, transfer, split, merger, arbitrage, freezing, thawing, extension, re-extension, and destruction.

[0098] Because tokens have a dynamic, market-driven price, companies can issue and repurchase tokens based on this price through market-based mechanisms. Token holders can transfer, split, and merge tokens, similar to the secondary market for stocks.

[0099] All of the above token operations are implemented through smart contracts and credit values. Specifically, smart contracts verify digital credit credentials. If verified, they are traded against credit values. Transaction data is then captured through transactions, and the credit value is dynamically adjusted based on this data. Specifically, smart contracts can verify the legitimacy and validity of tokens and, after completing token operations, dynamically adjust token prices. This is because token transaction data is also an input into the token pricing model.

[0100] An embodiment of the present invention provides a transaction method for an enterprise, comprising: determining multiple target business data corresponding to multiple enterprise blockchains based on blockchain technology and multiple enterprises in supply chain finance, then determining the credit value of the digital credit certificate based on the target evaluation model corresponding to the multiple target business data and the digital credit certificate, and then realizing the transaction of the digital credit certificate based on the credit value and the smart contract. The present invention puts multiple target business data of multiple enterprises on the chain, and ensures the authenticity, security and verifiability of the data through blockchain technology. In addition, without the direct participation of the core enterprise (on the chain and on the information network), the present invention uses blockchain technology to enable other small and medium-sized enterprises in supply chain finance to directly generate credible digital credit certificates based on the data on the chain, and based on the digital credit certificate and the smart contract, realize the digital transaction of the enterprise, reduce the financing cost of the enterprise, and improve the transaction efficiency.

[0101] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0102] The following are device embodiments of the present invention. For details not fully described therein, reference may be made to the corresponding method embodiments described above.

[0103] Figure 6 The following is a schematic diagram of the structure of a transaction device for an enterprise provided by an embodiment of the present invention. For ease of explanation, only the parts related to the embodiment of the present invention are shown. The transaction device for an enterprise includes a data uploading module 61, a credit value calculation module 62, and a transaction module 63. The details are as follows:

[0104] The data on-chain module 61 is used to determine multiple target business data corresponding to the blockchains of multiple enterprises based on blockchain technology and supply chain finance, wherein the multiple enterprises do not include the core enterprise, and the multiple enterprises correspond to the multiple target business data one-to-one;

[0105] a credit value calculation module 62 for determining the credit value of the digital credit credential based on a plurality of target business data and a target evaluation model corresponding to the digital credit credential;

[0106] The transaction module 63 is used to realize the transaction of digital credit certificates based on credit value and smart contracts.

[0107] In a possible implementation, the data uplink module 61 includes:

[0108] The network establishment submodule is used to establish blockchain networks corresponding to multiple enterprises based on blockchain technology and multiple enterprises;

[0109] The data chain submodule is used to determine multiple target business data based on multiple enterprise blockchains and multiple enterprises in the blockchain network, where the multiple enterprise blockchains and multiple enterprises correspond one to one.

[0110] In one possible implementation, the data chain submodule includes:

[0111] A data collection unit is used to collect initial business data of each of the multiple enterprises, standardize the initial business data, and obtain target business data of the enterprise;

[0112] A data uploading unit is used to upload the target business data to the enterprise blockchain corresponding to the enterprise, and obtain the target business data corresponding to the enterprise blockchain;

[0113] The data aggregation unit is used to aggregate the target business data to obtain multiple target business data.

[0114] In one possible implementation, the credit value calculation module 62 includes:

[0115] The model building submodule is used to build an initial evaluation model corresponding to the digital credit certificate;

[0116] The model optimization submodule is used to iteratively optimize the initial evaluation model through smart contracts to obtain the target evaluation model;

[0117] The credit value calculation submodule is used to input multiple target business data into the target evaluation model to obtain the credit value of the digital credit certificate.

[0118] In a possible implementation, before the model is established as a submodule, the following is also included:

[0119] Enterprise selection submodule, used to select a target enterprise from multiple enterprises;

[0120] The credential definition submodule is used to define the digital credit credential of the target enterprise based on the smart contract.

[0121] In one possible implementation, the transaction module 63 includes:

[0122] The transaction submodule is used to verify the digital credit certificate using the smart contract. If the verification is qualified, the digital credit certificate will be traded with the credit value.

[0123] In a possible implementation, after the transaction submodule, the following is also included:

[0124] Data acquisition submodule, used to obtain transaction data;

[0125] The adjustment submodule is used to dynamically adjust the credit value based on transaction data.

[0126] Figure 7 Schematic diagram of a terminal provided by an embodiment of the present invention. Figure 7 As shown, the terminal 7 of this embodiment includes: a processor 71, a memory 72, and a computer program 73 stored in the memory 72 and executable on the processor 71. When the processor 71 executes the computer program 73, the steps in the transaction method embodiments of each enterprise described above are implemented, for example Figure 1 Alternatively, when the processor 71 executes the computer program 73, the functions of the modules / units in the transaction device embodiments of the above-mentioned enterprises are realized, for example Figure 6 Functions of the modules / units 61 to 63 are shown.

[0127] The present invention also provides a readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, it is used to implement the enterprise transaction method provided by the various embodiments described above.

[0128] Among them, the readable storage medium can be a computer storage medium or a communication medium. Communication media include any medium that facilitates the transmission of computer programs from one place to another. Computer storage media can be any available medium that can be accessed by a general-purpose or special-purpose computer. For example, a readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be an integral part of the processor. The processor and the readable storage medium can be located in an application-specific integrated circuit (ASIC). In addition, the ASIC can be located in a user device. Of course, the processor and the readable storage medium can also exist in a communication device as discrete components. The readable storage medium can be a read-only memory (ROM), a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device, etc.

[0129] The present invention also provides a program product including execution instructions stored in a readable storage medium. At least one processor of a device can read the execution instructions from the readable storage medium and execute the execution instructions to cause the device to implement the enterprise transaction methods provided in the various embodiments described above.

[0130] In the embodiments of the above-mentioned devices, it should be understood that the processor may be a central processing unit (CPU), other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. The general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the present invention may be directly implemented by a hardware processor or implemented by a combination of hardware and software modules in the processor.

[0131] The above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the present invention, and should all be included in the scope of protection of the present invention.

Claims

1. A transaction method for an enterprise, characterized in that: include: Based on blockchain technology and multiple enterprises in supply chain finance, determine multiple target business data corresponding to the multiple enterprise blockchains, wherein the multiple enterprises do not include core enterprises, and the multiple enterprises and the multiple target business data correspond one to one; Determining a credit value of the digital credit credential based on the target evaluation model corresponding to the multiple target business data and the digital credit credential; Based on the credit value and smart contract, realize the transaction of the digital credit certificate; The method of determining multiple target business data corresponding to multiple enterprise blockchains based on blockchain technology and multiple enterprises in supply chain finance includes: Establishing blockchain networks corresponding to the multiple enterprises based on blockchain technology and the multiple enterprises; Determining the plurality of target business data based on a plurality of enterprise blockchains in the blockchain network and the plurality of enterprises, wherein the plurality of enterprise blockchains and the plurality of enterprises correspond one to one; The determining the plurality of target business data based on the plurality of enterprise blockchains and the plurality of enterprises in the blockchain network includes: For each of the plurality of enterprises, collecting initial business data of the enterprise, standardizing the initial business data, and obtaining target business data of the enterprise; Uploading the target business data to the enterprise blockchain corresponding to the enterprise to obtain the target business data corresponding to the enterprise blockchain; Summarizing the target business data to obtain the multiple target business data; The determining the credit value of the digital credit credential based on the target evaluation model corresponding to the multiple target business data and the digital credit credential includes: Establishing an initial evaluation model corresponding to the digital credit credential; Iteratively optimizing the initial evaluation model through a smart contract to obtain the target evaluation model; Inputting the plurality of target business data into the target evaluation model to obtain the credit value of the digital credit certificate; Taking the evaluation of the price of the token issued by Enterprise B as an example, the initial evaluation model is as follows: V Token-B =φ(F A1 (setA1-1,setA1-2,setA1-3),F A2 (setA2- 1,setA2-2),F A3 (setA3-1,setA3-2,setA3-3,setA3-4),…)+ε Among them, φ is the objective function of the initial evaluation model, ε is the error, F A1 is the first calculation function, setA1-1, setA1-2, setA1-3 are the output data sets of enterprise A1, F A2 is the second calculation function, setA2-1 and setA2-2 are the output data sets of enterprise A2, F A3 is the third calculation function, setA3-1, setA3-2, setA3-3, and setA3-4 are the output data sets of enterprise A3 respectively.

2. The transaction method of an enterprise according to claim 1, characterized in that: Before establishing the initial evaluation model corresponding to the digital credit credential, the method further includes: selecting a target enterprise from the plurality of enterprises; The digital credit certificate of the target enterprise is defined based on the smart contract.

3. The transaction method of an enterprise according to any one of claims 1 to 2, characterized in that: The transaction of the digital credit certificate based on the credit value and the smart contract includes: The digital credit certificate is verified using a smart contract, and if the verification is qualified, the digital credit certificate is traded with the credit value.

4. The transaction method of an enterprise according to claim 3, characterized in that: After the digital credit certificate is traded with the credit value, the method further includes: Get transaction data; The credit value is dynamically adjusted based on the transaction data.

5. A transaction device for an enterprise, characterized in that: include: A data on-chain module is used to determine multiple target business data corresponding to multiple enterprise blockchains based on blockchain technology and multiple enterprises in supply chain finance, wherein the multiple enterprises do not include core enterprises, and the multiple enterprises and the multiple target business data correspond one-to-one; a credit value calculation module, configured to determine the credit value of the digital credit credential based on the plurality of target business data and a target evaluation model corresponding to the digital credit credential; A transaction module, configured to implement transactions of the digital credit certificate based on credit value and smart contracts; The method of determining multiple target business data corresponding to multiple enterprise blockchains based on blockchain technology and multiple enterprises in supply chain finance includes: Establishing blockchain networks corresponding to the multiple enterprises based on blockchain technology and the multiple enterprises; Determining the plurality of target business data based on a plurality of enterprise blockchains in the blockchain network and the plurality of enterprises, wherein the plurality of enterprise blockchains and the plurality of enterprises correspond one to one; The determining the plurality of target business data based on the plurality of enterprise blockchains and the plurality of enterprises in the blockchain network includes: For each of the plurality of enterprises, collecting initial business data of the enterprise, standardizing the initial business data, and obtaining target business data of the enterprise; Uploading the target business data to the enterprise blockchain corresponding to the enterprise to obtain the target business data corresponding to the enterprise blockchain; Summarizing the target business data to obtain the multiple target business data; The determining the credit value of the digital credit credential based on the target evaluation model corresponding to the multiple target business data and the digital credit credential includes: Establishing an initial evaluation model corresponding to the digital credit credential; Iteratively optimizing the initial evaluation model through a smart contract to obtain the target evaluation model; Inputting the plurality of target business data into the target evaluation model to obtain the credit value of the digital credit certificate; Taking the evaluation of the price of the token issued by Enterprise B as an example, the initial evaluation model is as follows: V Token-B =φ(F a1 (setA1-1,setA1-2,setA1-3),F A2 (setA2-1,setA2-2),F A3 (setA3-1,setA3-2,setA3-3,setA3-4),...)+ε Among them, φ is the objective function of the initial evaluation model, ε is the error, F A1 is the first calculation function, setA1-1, setA1-2, setA1-3 are the output data sets of enterprise A1, F A2 is the second calculation function, setA2-1 and setA2-2 are the output data sets of enterprise A2, F A3 is the third calculation function, setA3-1, setA3-2, setA3-3, and setA3-4 are the output data sets of enterprise A3 respectively.

6. A terminal comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the steps of the enterprise transaction method according to any one of claims 1 to 4 are implemented.

7. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the transaction method of the enterprise according to any one of claims 1 to 4 are realized.

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