Factoring business management method based on block chain

Abstract

The invention discloses a factoring business management method based on a block chain. The method comprises the following steps: S1, a management system on a factoring business chain obtains related data of a factoring business participant; s2, the factoring service chain management system classifies and records the data; s3, the factoring service on-chain management system calls a regional chain network to link the data and obtain a link-up result, and if link-up succeeds, the data is cached; s4, performing factoring service application in the factoring service system, calling a factoring service on-chain management system, performing on-chain query and calling of data required by the application according to query conditions, returning the data to the factoring service on-chain management system, and returning the data to the factoring service system by the factoring service on-chain management system; and S5, the factoring service system audits the application, and performs data right confirmation or performs the next service on the basis of the on-chain data. The method has the advantages of factoring service data classification, data right confirmation, data use record traceability and the like.

Description

Technical Field

[0001] The present invention relates to the field of factoring business, and in particular to a factoring business management method based on blockchain. Background Art

[0002] In recent years, with the development of the digital economy, the importance of data as a production factor has become increasingly prominent. On the one hand, data directly affects production and life, promotes the transformation and upgrading of corporate production, and accelerates the improvement of production efficiency. On the other hand, data fully plays the role of adhesive, promotes cross-industry cooperation, and accelerates the birth of new industries, new formats, and new models.

[0003] At present, most of the regional chain-based factoring businesses in the industry are divided into two layers, one business layer and one regional chain layer. The business layer directly penetrates and operates the regional chain data. The regional chain data is based on business fields. There is no unified platform to integrate the relationship between business and regional chain data, and there is no unified platform for data rights confirmation. Under the above actual circumstances, the regional chain-based factoring business is basically a formality, and data rights confirmation and data element accumulation cannot be effectively supervised. Specifically, the following problems are included: 1. Factoring business managers cannot uniformly view the data on the chain of business participants. 2. Factoring business managers cannot track and manage the use of data. 3. Factoring business managers cannot determine the role of regional chain data in the factoring business process nodes. 4. Factoring business managers cannot determine whether the data in the business system comes from the regional chain. Summary of the invention

[0004] In order to solve the existing problems, the present invention provides a factoring business management method based on blockchain, and the specific scheme is as follows:

[0005] A factoring business management method based on blockchain, comprising the following steps:

[0006] S1, the factoring business chain management system receives the relevant data of the factoring business participants obtained from the factoring business system through the Http interface;

[0007] S2, the factoring business chain management system classifies the data, determines the data owner and data source, and records them;

[0008] S3, the factoring business chain management system calls the regional chain network, uploads the data of the above-determined records to the chain, and obtains the chain result. If the chain is successful, the data is cached;

[0009] S4, apply for factoring business in the factoring business system, call the factoring business on-chain management system, perform on-chain query and retrieval of the data required for the application according to the query conditions, and return the data to the factoring business on-chain management system, which then returns the data to the factoring business on-chain management system;

[0010] S5. After the factoring business system obtains the query data, it will review the factoring business application, confirm the data ownership or proceed to the next business based on the on-chain data.

[0011] Preferably, the relevant data of the parties involved in the factoring business in step S1 include contracts, bills and business-related data.

[0012] Preferably, step S5 is specifically as follows: after obtaining the data, the factoring business system can review the factoring business applied for by the supplier and determine whether to conduct factoring business with it. If factoring business is conducted, a factoring contract is signed; if there is a dispute in the factoring business, the disputed data is queried on the chain, the data source is traced to determine the party responsible for the dispute, and subsequent business follow-up is carried out.

[0013] The present invention also discloses a computer-readable storage medium, on which a computer program is stored. After the computer program is run, any of the above methods is executed.

[0014] The present invention also discloses a computer system, including a processor and a storage medium, wherein a computer program is stored on the storage medium, and the processor reads and runs the computer program from the storage medium to execute any of the methods described above.

[0015] The beneficial effects of the present invention are:

[0016] The present invention can solve the advantages of factoring business data classification, data rights confirmation, data usage record tracing, etc., and achieve the following technical effects.

[0017] 1. Factoring business managers can uniformly view and manage the data on the chain of business participants. While conducting factoring business, they can trace the data source of the business and classify and manage the data.

[0018] 2. Enable factoring business managers to track data. When a business dispute occurs, the data that has been uploaded to the chain and has been confirmed can be used to trace the source, find the points of dispute and clarify the responsibilities of the parties involved.

[0019] 3. Enable factoring business managers to refer to the data of the factoring business chain management system when conducting key nodes of factoring business.

[0020] 4. When factoring business managers use data in their business, if they cannot determine the source of the data, they can compare the data through the factoring business chain management system to determine whether the data is indeed from the data that has been confirmed on the regional chain.

[0021] 5. Factoring business managers can accumulate factoring business-related data through the factoring business chain management system, and later conduct unified data management on data elements. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0023] Figure 1 It is the basic flow chart of the present invention;

[0024] Figure 2 The figure is a flow chart of a method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0025] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are 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 creative work are within the scope of protection of the present invention.

[0026] The present invention proposes a factoring business management method based on blockchain. First, through the construction of a factoring business chain management system, the data of each participant in the factoring business is classified and then uploaded to the chain; each participant needs to approve the use of the data; the use of each participant is recorded, and the data is uploaded to the chain; factoring business personnel can verify the data used in the factoring business system in the factoring business chain management system to confirm the data rights.

[0027] Business managers and relevant participants can use the factoring business chain management system to query the data chain status, data usage, data details, and data status at the factoring business process nodes of each participant.

[0028] Example:

[0029] like Figure 1 and Figure 2 , a method for managing a factoring business chain based on a regional chain, comprising the following steps:

[0030] S1, the factoring business chain management system receives the relevant data of the factoring business participants obtained from the factoring business system through the Http interface, including contracts, bills (invoices, settlement statements, etc.) and business-related data (accounts receivable, etc.).

[0031] S2, the factoring business chain management system classifies the data, determines the data owner and data source, and records them.

[0032] S3, the factoring business chain management system calls the regional chain network, uploads the data of the above-determined records to the chain, and obtains the chain result. If the chain is successful, the data is cached;

[0033] S4: When a supplier applies for factoring business in the factoring business system, the factoring business on-chain management system is called to query and retrieve the data required for the application on-chain according to the query conditions, and return the data to the factoring business on-chain management system, which then returns the data to the factoring business on-chain management system;

[0034] S5. After the factoring business system obtains the query data, it will review the factoring business application and determine whether to conduct factoring business with it. If factoring business is conducted, a factoring contract will be signed. If there is a dispute in the factoring business, the disputed data will be queried on the chain, the data source will be traced to determine the party responsible for the dispute, and subsequent business follow-up will be carried out.

[0035] The present invention can solve the advantages of factoring business data classification, data confirmation, data usage record traceability, etc., and achieve the following technical effects. 1. It enables factoring business managers to uniformly view and manage the data on the chain of business participants, and can trace the data source of the business while conducting factoring business, and can classify and manage the data. 2. It enables factoring business managers to track data. When a dispute occurs in the business, it can trace the source through the data on the chain and confirmed, find the dispute point and clarify the responsibilities of the participants. 3. It enables factoring business managers to refer to the data of the factoring business chain management system when conducting key nodes of factoring business. 4. When factoring business managers use data in the business, if the source of the data cannot be determined, they can compare the data through the factoring business chain management system to determine whether the data is indeed from the data that has been confirmed on the regional chain. 5. Factoring business managers can accumulate factoring business-related data through the factoring business chain management system, and unified data management can be carried out in terms of data elements in the later stage.

[0036] The present invention also discloses a computer-readable storage medium and a computer system, wherein a computer program is stored on the computer-readable storage medium, and after the computer program is run, the method described in any one of the above items is executed; in addition, the computer system includes a processor and a storage medium, wherein the computer program is stored on the storage medium, and the processor reads and runs the computer program from the storage medium to execute any one of the methods described in the above items.

[0037] Those skilled in the art will further appreciate that the various illustrative logic blocks, modules, circuits, and algorithm steps described in conjunction with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or a combination of the two. To clearly illustrate this interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps are generally described above in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the specific application and the design constraints imposed on the overall system. The technician may implement the described functionality in different ways for each specific application, but such implementation decisions should not be interpreted as resulting in a departure from the scope of the present invention.

[0038] The various illustrative logic blocks, modules, and circuits described in conjunction with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented as a combination of computing devices, such as a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in cooperation with a DSP core, or any other such configuration.

[0039] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software module may reside in a RAM memory, a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. An exemplary storage medium is coupled to a processor so that the processor can read and write information from / to the storage medium. In an alternative, a storage medium may be integrated into a processor. The processor and the storage medium may reside in an ASIC. The ASIC may reside in a user terminal. In an alternative, the processor and the storage medium may reside in a user terminal as discrete components.

[0040] In one or more exemplary embodiments, the functions described may be implemented in hardware, software, firmware, or any combination thereof. If implemented as a computer program product in software, each function may be stored on or transmitted by a computer-readable medium as one or more instructions or codes. Computer-readable media include both computer storage media and communication media, including any medium that facilitates the transfer of a computer program from one place to another. Storage media may be any available medium that can be accessed by a computer. As an example and not limitation, such a computer-readable medium may include RAM, ROM, EEPROM, CD-ROM or other optical disk storage, disk storage or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of an instruction or data structure and can be accessed by a computer. Any connection is also properly referred to as a computer-readable medium. For example, if the software is transmitted from a website, a server, or other remote source using a coaxial cable, a fiber optic cable, a twisted pair, a digital subscriber line (DSL), or wireless technologies such as infrared, radio, and microwaves, the coaxial cable, fiber optic cable, twisted pair, DSL, or wireless technologies such as infrared, radio, and microwaves are included in the definition of the medium. Disk and disc as used herein include compact disc (CD), laser disc, optical disc, digital versatile disc (DVD), floppy disk and Blu-ray disc, wherein disk often reproduces data magnetically, while disc reproduces data optically with lasers. Combinations of the above should also be included within the scope of computer-readable media.

[0041] The previous description of the disclosure is provided to enable any person skilled in the art to make or use the disclosure. Various modifications to the disclosure will be apparent to those skilled in the art, and the general principles defined herein may be applied to other variations without departing from the spirit or scope of the disclosure. Thus, the disclosure is not intended to be limited to the examples and designs described herein, but should be granted the widest scope consistent with the principles and novel features disclosed herein.

[0042] 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 substitutions for some of the technical features therein; and these modifications or substitutions do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A factoring business management method based on blockchain, characterized in that: The following steps are involved: S1, the factoring business chain management system receives the relevant data of the factoring business participants obtained from the factoring business system through the Http interface; S2, the factoring business chain management system classifies the data, determines the data owner and data source, and records them; S3, the factoring business chain management system calls the regional chain network, uploads the data of the above-determined records to the chain, and obtains the chain result. If the chain is successful, the data is cached; S4, apply for factoring business in the factoring business system, call the factoring business on-chain management system, perform on-chain query and retrieval of the data required for the application according to the query conditions, and return the data to the factoring business on-chain management system, which then returns the data to the factoring business on-chain management system; S5. After the factoring business system obtains the query data, it will review the factoring business application, confirm the data ownership or proceed to the next business based on the on-chain data.

2. The method according to claim 1, characterized in that: The relevant data of the parties involved in the factoring business in step S1 include contracts, bills and business-related data.

3. The method according to claim 1, characterized in that Step S5 is as follows: after obtaining the data, the factoring business system can review the factoring business applied for by the supplier and determine whether to conduct factoring business with it. If factoring business is conducted, a factoring contract will be signed; if there is a dispute in the factoring business, the disputed data will be queried on the chain, the data source will be traced to determine the party responsible for the dispute, and subsequent business follow-up will be carried out.

4. A computer-readable storage medium, characterized in that: A computer program is stored on the medium, and after the computer program is run, the method according to any one of claims 1 to 7 is executed.

5. A computer system, characterized in that: The method comprises a processor and a storage medium, wherein a computer program is stored in the storage medium, and the processor reads and runs the computer program from the storage medium to execute the method as claimed in any one of claims 1 to 7.

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