Export trade receivable financing digital asset management method capable of increasing credit

Abstract

The invention relates to the technical field of block chains, in particular to an export trade account receivable financing digital asset management method capable of increasing credit, and the method comprises the steps: digital asset generation: a financing party stores a hash value of a file generated in export trade on a block chain system, and the corresponding relation is file 1.. n to hash1.. n; and performing digital asset transaction: querying related information of the digital assets by other parties, obtaining the original text of the evidence storage file from other ways, comparing the original text with the hash value of the evidence storage so as to ensure that the information of the file is consistent with the evidence storage and no tampering behavior exists, and purchasing a certain share of digital assets according to prices agreed by the two parties. According to the method, the digital assets with different qualities are flexibly distinguished, the expressive force and the transaction capability of the digital assets are enhanced, and the tampering resistance of the digital assets is improved by combining the certificate of the digital assets with the generation process of the digital assets.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a credit-enhancing digital asset management method for export trade accounts receivable financing. Background Art

[0002] Blockchain technology is a decentralized distributed ledger technology that allows multiple participants to jointly maintain a growing block data record. These blocks are verified by encryption algorithms and linked to the previous block, forming an unalterable chain. At the same time, the blockchain system can also automatically execute some contract terms based on smart contract technology, thereby realizing some preset business logic, and then automatically executing when the predetermined conditions are met, thereby realizing automated transactions, executing agreements and processing assets, and enhancing efficiency and security. Based on these technologies, good support can be provided for digital asset scenarios. However, there are currently many different solutions for the expression of digital assets, and these solutions may not necessarily be able to well support digital assets in the export trade accounts receivable financing scenario, such as not fully considering the formation process of digital assets, lack of credit enhancement performance capabilities, etc. Therefore, the present invention proposes a credit-enhancing digital asset management method suitable for the export trade accounts receivable financing scenario. Summary of the invention

[0003] Based on the technical problems existing in the background technology, the present invention proposes a digital asset management method for export trade accounts receivable financing that can be enhanced in credit. The method has the characteristics of flexibly distinguishing digital assets of different qualities, enhancing the expressiveness and transaction capabilities of digital assets, and combining the stored digital asset proof with the generation process of digital assets, thereby improving the tamper-proof nature of digital assets. It solves the problems that the existing asset management system cannot well support digital assets in the export trade accounts receivable financing scenario, does not fully consider the formation process of digital assets, and lacks the ability to enhance credit performance.

[0004] The present invention provides the following technical solution: a digital asset management method for export trade accounts receivable financing that can enhance credit, comprising the following steps:

[0005] Digital asset generation: The financier stores the hash value of the file generated in the export trade on the blockchain system, and the corresponding relationship is file 1..n To hash 1..n ;

[0006] Digital asset transaction: other parties query the relevant information of the digital asset, obtain the original text of the evidence file from other channels and compare it with the hash value of the evidence, so as to ensure that the information of the file is consistent with the evidence and there is no tampering, and purchase a certain share of the digital asset at the price agreed by both parties;

[0007] Digital asset annihilation: After the digital asset expires, the digital asset annihilation party will annihilate the digital asset and return the proceeds according to the agreed price. The annihilated digital asset can no longer be traded.

[0008] Preferably, the digital asset generation process also includes digital asset enhancement. If the financing party needs to enhance the digital asset, it needs to obtain an insurance policy from the insurance company and store the insurance policy on the blockchain system. The corresponding relationship is file insurance To hash insurance .

[0009] Preferably, the financing party creates a digital asset that can be enhanced. When creating the digital asset, the following necessary information needs to be provided, including the name of the digital asset, the number of digital assets, the document information related to the digital asset that has been deposited, the deposited information of the insurance company's contract, the description of the digital asset, and the party that destroys the digital asset.

[0010] Preferably, the information required for evidence storage generated by the digital asset includes: contracts, invoices, shipping bill numbers, and customs declaration numbers in export trade.

[0011] Preferably, the specific process of generating the digital assets is as follows: the financing party deposits a series of related file hashes, and if credit enhancement is required, the financing party deposits the insurance policy file, and then the digital assets are called by the financing party. If no credit enhancement is required, the digital assets are directly called by the financing party. Finally, it is checked whether the evidence storage is completed. If it is completed, the digital assets are generated successfully, and if it is not completed, the digital assets are generated unsuccessfully.

[0012] Preferably, the specific process of the digital asset transaction is as follows: the transaction parties obtain digital asset related information, compare the information hash with the evidence hash, determine whether they match, whether to purchase, and confirm that the digital asset is not destroyed. If all three are met, the corresponding share of the digital asset will be transferred. If any one or more of them are not met, the corresponding share of the digital asset will not be transferred.

[0013] Preferably, the specific process of the digital asset annihilation is: the annihilation party performs asset annihilation, detects the identity of the annihilation party, and if the match is successful, the annihilation is successful, and if the match fails, the annihilation fails.

[0014] The present invention provides a credit-enhanced digital asset management method for export trade accounts receivable financing, which divides digital assets into credit-enhanced digital assets and non-credit-enhanced digital assets according to whether they are insured, thereby more flexibly distinguishing digital assets of different qualities and enhancing the expressiveness and transaction capabilities of digital assets. The digital asset proof of the deposited evidence is combined with the generation process of the digital asset, which improves the immutability of the digital asset. The annihilation function of the digital asset is provided, so as to better describe and manage the life cycle of the digital asset. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] Figure 1 Generate a flow chart for the digital asset of the present invention;

[0016] Figure 2 This is a flow chart of digital asset transactions in the present invention;

[0017] Figure 3 This is a flow chart of digital asset annihilation according to the present invention. DETAILED DESCRIPTION

[0018] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions 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 creative work are within the scope of protection of the present invention.

[0019] The present invention provides a technical solution: a digital asset management method for export trade accounts receivable financing that can enhance credit, comprising the following steps:

[0020] Digital asset generation: The financier stores the hash value of the file generated in the export trade on the blockchain system, and the corresponding relationship is file 1..n To hash 1..n ;

[0021] Digital asset credit enhancement: If the financing party needs to enhance the credit of digital assets, it needs to obtain an insurance policy from the insurance company and store the policy on the blockchain system. The corresponding relationship is file insurance To hash insurance , if no credit enhancement is required, there is no need to deposit the insurance policy;

[0022] Digital asset transaction: other parties query the relevant information of the digital asset, obtain the original text of the evidence file from other channels and compare it with the hash value of the evidence, so as to ensure that the information of the file is consistent with the evidence and there is no tampering, and purchase a certain share of the digital asset at the price agreed by both parties;

[0023] Digital asset annihilation: After the digital asset expires, the digital asset annihilation party will annihilate the digital asset and return the proceeds according to the agreed price. The annihilated digital asset can no longer be traded.

[0024] Blockchain technology: A distributed ledger technology that allows multiple participants to jointly maintain a growing list of data records, which are called blocks. Each block contains a series of transaction records and is connected to the previous block through cryptographic methods to form a chain structure. Specifically, the block header often includes the hash value of the previous block, so when the block content is modified, the block hash value will change, making the hash values ​​of subsequent blocks unable to correspond, thus making it tamper-proof.

[0025] Smart Contracts: Smart contracts are computer programs that automatically execute contract terms and are stored on the blockchain. They are automatically executed when predetermined conditions are met, without the need for intermediaries, ensuring transparency and trust. In the blockchain, smart contracts are used to automate transactions, execute agreements, and process assets, enhancing efficiency and security.

[0026] Digital assets: Digital assets refer to economic value or property in digital form. They can be electronic data, accounts receivable, virtual goods, copyrighted works, etc. These assets are stored, traded and transferred on the Internet, which usually requires cryptographic technology to ensure their security, ownership and liquidity.

[0027] Example:

[0028] Step 1: The financier stores the hash values ​​of the export trade contracts, invoices, shipping order numbers, customs declaration numbers and other documents on the blockchain system. The corresponding relationship is file 1..n To hash 1..n .

[0029] Step 2: If the financier needs to increase the credit of the digital asset, it needs to obtain an insurance policy from the insurance company and store the policy on the blockchain system. The corresponding relationship is file insurance To hash insurance If credit enhancement is not required, skip step 2.

[0030] like Figure 1 As shown in the figure, the specific process of digital asset generation is as follows: the financing party deposits a series of related file hashes, and the financing party deposits the insurance policy file for credit enhancement, and then the financing party calls the digital asset. If credit enhancement is not required, the financing party directly calls the digital asset. Finally, it is checked whether the evidence is completed. If it is completed, the digital asset generation is successful, and if it is not completed, the digital asset generation fails. By dividing digital assets into credit-enhanced digital assets and non-credit-enhanced digital assets according to whether they are insured, it is more flexible to distinguish digital assets of different qualities, and enhance the expressiveness and trading capabilities of digital assets.

[0031] Step 3: The financing party creates a digital asset that can be credited. When creating the digital asset, the following necessary information needs to be provided, including the name of the digital asset, the number of digital assets, the document information related to the digital asset that has been stored, the insurance company's contract storage information, the digital asset description, and the digital asset annihilation party. The digital asset contract needs to verify whether the corresponding information has been stored.

[0032] Step 4: Other parties can query the relevant information of the digital asset, obtain the original text of the evidence file from other channels and compare it with the hash value of the evidence, so as to ensure that the information of the file is consistent with the evidence and there is no tampering. By combining the digital asset proof of the evidence with the generation process of the digital asset, the immutability of the digital asset is improved.

[0033] Step 5: If other parties have demand, they can purchase a certain share of digital assets at the price agreed upon by both parties. Figure 2 As shown, the specific process of digital asset transactions is as follows: the transaction parties obtain digital asset-related information, compare the information hash with the evidence hash, determine whether they match, whether to purchase, and confirm that the digital assets are not destroyed. If all three meet the requirements, the corresponding digital assets will be transferred. If any one or more of them do not meet the requirements, the corresponding digital assets will not be transferred.

[0034] Step 6: After the digital asset expires, the party that destroys the digital asset can destroy the digital asset and return the proceeds at the agreed price. The destroyed digital asset can no longer be traded.

[0035] like Figure 3 As shown, the specific process of digital asset annihilation is: the annihilation party performs asset annihilation, detects the identity of the annihilation party, and if the match is successful, the annihilation is successful, otherwise the annihilation fails.

[0036] By providing the annihilation function of digital assets, the life cycle of digital assets can be better described and managed.

[0037] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical scheme and inventive concept of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.

Claims

1. A digital asset management method for export trade accounts receivable financing that can enhance credit, characterized by: The steps include: Digital asset generation: The financier stores the hash value of the file generated in the export trade on the blockchain system, and the corresponding relationship is file 1..n To hash 1..n ; Digital asset credit enhancement: If the financing party needs to enhance the credit of digital assets, it needs to obtain an insurance policy from the insurance company and store the insurance policy on the blockchain system. The corresponding relationship is file insurance To hash insurance If credit enhancement is not required, there is no need to deposit the insurance policy; Digital asset transaction: other parties query the relevant information of the digital asset, obtain the original text of the evidence file from other channels and compare it with the hash value of the evidence, so as to ensure that the information of the file is consistent with the evidence and there is no tampering, and purchase a certain share of the digital asset at the price agreed by both parties; Digital asset annihilation: After the digital asset expires, the digital asset annihilation party will annihilate the digital asset and return the proceeds according to the agreed price. The annihilated digital asset can no longer be traded.

2. A credit-enhanced export trade accounts receivable financing digital asset management method according to claim 1, characterized in that: The financing party creates a digital asset that can be enhanced. When creating the digital asset, it needs to provide the following necessary information, including the name of the digital asset, the number of digital assets, the document information related to the digital asset that has been deposited, the insurance company's contract deposit information, the digital asset description, and the party that destroys the digital asset.

3. A credit-enhanced export trade accounts receivable financing digital asset management method according to claim 1, characterized in that: The information that needs to be stored for digital asset generation includes: contracts, invoices, shipping order numbers, and customs declaration numbers in export trade.

4. A credit-enhanced export trade accounts receivable financing digital asset management method according to claim 1, characterized in that: The specific process of digital asset generation is as follows: the financing party stores a series of related file hashes, and if credit enhancement is required, the financing party stores the insurance policy file, and then calls the digital asset. If no credit enhancement is required, the financing party directly calls the digital asset. Finally, it is checked whether the storage is completed. If it is completed, the digital asset is generated successfully, otherwise the digital asset generation fails.

5. The method for managing digital assets of export trade accounts receivable financing capable of enhancing credit according to claim 1, characterized in that: The specific process of the digital asset transaction is as follows: the transaction parties obtain digital asset-related information, compare the information hash with the evidence hash, determine whether they match, whether to purchase, and confirm that the digital asset is not destroyed. If all three are met, the corresponding share of the digital asset will be transferred. If any one or more of them are not met, the corresponding share of the digital asset will not be transferred.

6. A credit-enhanced export trade accounts receivable financing digital asset management method according to claim 1, characterized in that: The specific process of digital asset annihilation is as follows: the annihilation party annihilates the asset, detects the identity of the annihilation party, and if the match is successful, the annihilation is successful, otherwise the annihilation fails.

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