Block chain-based enterprise guarantee method and system, medium and equipment

Abstract

The invention discloses an enterprise guarantee method and system based on a block chain, a medium and equipment, and belongs to the technical field of block chains. The method comprises the steps of creating a guarantee contract for a user enterprise in a block chain, obtaining enterprise credit data of the user enterprise, extracting abstract and index information of the enterprise credit data, adding the abstract and index information to the guarantee contract, and submitting the enterprise credit data to an encryption space of the block chain for storage; receiving a guarantee contract, calling enterprise credit data corresponding to the enterprise user in the encryption space through abstract or index information of the guarantee contract, and auditing the enterprise credit data according to a preset standard; and adding the audit state to the guarantee contract, and storing and recording the audited guarantee contract in the block chain. According to the method, the block chain technology is adopted, behaviors of all participants can be recorded on the chain, and the behaviors cannot be deleted, cannot be modified and are open and transparent, so that the default cost is improved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and more specifically, to a blockchain-based enterprise guarantee method, system, medium, and device. Background Art

[0002] Small and medium-sized enterprises are an important force in the development of my country's national economy and an important part of my country's national economy, but the financing difficulties of small and medium-sized enterprises have been difficult to solve.

[0003] The difficulty of financing for SMEs is caused by many reasons. The problems existing in SMEs include: serious lack of capital and high debt-to-asset ratio; incomplete financial system; low technical level and need to improve the quality of personnel;

[0004] Problems on the banking side: Due to the influence of policy uncertainty, banks' loans to small and medium-sized enterprises tend to be "polarized"; banks hold those responsible for loans accountable very strictly, but the incentive mechanism is insufficient; banks' mortgage conditions are too harsh, the loan procedures are complicated, the loan costs are high, and the approval authority is limited. Summary of the Invention

[0005] To address the above issues, the present invention proposes a blockchain-based enterprise guarantee method, comprising:

[0006] Creating a guarantee contract for the user enterprise on the blockchain, obtaining the enterprise credit data of the user enterprise, extracting the summary and index information of the enterprise credit data, adding the summary and index information to the guarantee contract, and submitting the enterprise credit data to the encrypted space of the blockchain for storage;

[0007] Receiving the guarantee contract, retrieving the enterprise credit data corresponding to the enterprise user in the encrypted space through the summary or index information of the guarantee contract, and reviewing the enterprise credit data according to preset standards;

[0008] The audit status is added to the guarantee contract, and the audited guarantee contract is saved and recorded in the blockchain.

[0009] Optionally, the review status includes: approved and unapproved;

[0010] The approval of the review means that the guarantee contract has been approved, and the enterprise user who has passed the guarantee contract request is marked as a member enterprise user;

[0011] Among them, the enterprise credit data meets the preset standards, and the ratings of the enterprise credit data by the member enterprise users in the blockchain meet the rating requirements, and the review is passed. The preset standards are the general standards for credit guarantees;

[0012] Among them, all actions involving funds on the blockchain by member corporate users will be recorded on the blockchain and cannot be changed or deleted;

[0013] Among them, the capital operation and decision-making process of member corporate users are all run on the blockchain;

[0014] Among them, member corporate users share loan interest income and bad debt losses.

[0015] Optionally, the method further includes:

[0016] Obtain the token income and expenditure data of member enterprise users, and display the token income and expenditure data to other member enterprise users in the blockchain.

[0017] Optionally, the method further includes:

[0018] Collect statistics on the token income and expenditure data of member companies. Based on the statistical results, a preset proportion of member companies' funds will be placed in escrow, and tokens corresponding to the escrow funds will be issued to member companies in the blockchain.

[0019] Optionally, the method further includes:

[0020] When a member enterprise submits a loan application, the enterprise member's corporate credit data will be publicized in the blockchain. If the votes of other enterprise members in the blockchain on the loan application request meet the preset requirements, the enterprise member's loan application request will be allowed.

[0021] Optionally, corporate members can use a preset proportion of tokens as collateral when submitting a loan application.

[0022] Optional, preset requirements include: the number of votes in favor of the loan is greater than 2 / 3 of the total voting data.

[0023] In another aspect, the present invention further proposes a blockchain-based enterprise guarantee system, comprising:

[0024] A guarantee application module is used to create a guarantee contract for the user enterprise on the blockchain, obtain the enterprise credit data of the user enterprise, extract the summary and index information of the enterprise credit data, add the summary and index information to the guarantee contract, and submit the enterprise credit data to the encrypted space of the blockchain for storage;

[0025] a guarantee review module, configured to receive a guarantee contract, retrieve the enterprise credit data corresponding to the enterprise user in the encrypted space through the summary or index information of the guarantee contract, and review the enterprise credit data according to preset standards;

[0026] The guarantee display module is used to add the review status to the guarantee contract and save and record the reviewed guarantee contract in the blockchain.

[0027] In yet another aspect, the present invention further provides a computing device comprising: one or more processors;

[0028] a processor for executing one or more programs;

[0029] When the one or more programs are executed by the one or more processors, the above-described method is implemented.

[0030] In another aspect, the present invention further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed, the method described above is implemented.

[0031] Compared with the prior art, the present invention has the following beneficial effects:

[0032] The present invention provides a blockchain-based enterprise guarantee method, comprising: creating a guarantee contract for a user enterprise on the blockchain, obtaining the enterprise credit data of the user enterprise, extracting a summary and index information of the enterprise credit data, adding the summary and index information to the guarantee contract, and submitting the enterprise credit data to an encrypted space on the blockchain for storage; receiving the guarantee contract, retrieving the enterprise credit data corresponding to the enterprise user in the encrypted space using the summary or index information of the guarantee contract, and reviewing the enterprise credit data according to preset standards; adding the review status to the guarantee contract, and saving and recording the reviewed guarantee contract on the blockchain. The present invention utilizes blockchain technology, and the actions of all participants are recorded on the chain, making it non-deletable and non-modifiable, open and transparent, thereby increasing the cost of default. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] The above and other objects, features, and advantages of the present invention will become more apparent through a more detailed description of the embodiments of the present invention in conjunction with the accompanying drawings. The accompanying drawings are provided to provide a further understanding of the embodiments of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and are not intended to limit the present invention. In the drawings, the same reference numerals generally represent the same components or steps.

[0034] Figure 1 is a flow chart of the method of the present invention;

[0035] Figure 2 This is a schematic diagram of the guarantee application process of the method of the present invention;

[0036] Figure 3 This is a schematic diagram of the guarantee effectiveness link of the method of the present invention;

[0037] Figure 4 It is a structural diagram of the system of the present invention. DETAILED DESCRIPTION

[0038] Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. These embodiments are provided to provide a thorough and complete disclosure of the present invention and to fully convey the scope of the present invention to those skilled in the art. The terminology used in the exemplary embodiments shown in the accompanying drawings is not intended to limit the present invention. In the accompanying drawings, identical elements are denoted by the same reference numerals.

[0039] Unless otherwise specified, the terms used herein (including technical terms) have the meanings commonly understood by those skilled in the art. In addition, it is understood that terms defined in commonly used dictionaries should be understood to have the same meanings as those in the context of the relevant fields, and should not be understood as idealized or overly formal meanings.

[0040] Example 1:

[0041] The present invention proposes a blockchain-based enterprise guarantee method, such as Figure 1 Shown, including:

[0042] Step 1: Create a guarantee contract for the user enterprise on the blockchain, obtain the user enterprise's corporate credit data, extract the summary and index information of the corporate credit data, add the summary and index information to the guarantee contract, and submit the corporate credit data to the encrypted space of the blockchain for storage;

[0043] Step 2: Receive the guarantee contract, retrieve the enterprise credit data corresponding to the enterprise user in the encrypted space through the summary or index information of the guarantee contract, and review the enterprise credit data according to the preset standards;

[0044] Step 3: Add the review status to the guarantee contract, and save and record the reviewed guarantee contract in the blockchain.

[0045] Among them, the review status includes: review passed and review failed;

[0046] The approval of the review means that the guarantee contract has been approved, and the enterprise user who has passed the guarantee contract request is marked as a member enterprise user;

[0047] Among them, the enterprise credit data meets the preset standards, and the ratings of the enterprise credit data by the member enterprise users in the blockchain meet the rating requirements, and the review is passed. The preset standards are the general standards for credit guarantees;

[0048] Among them, all actions involving funds on the blockchain by member corporate users will be recorded on the blockchain and cannot be changed or deleted;

[0049] Among them, the capital operation and decision-making process of member corporate users are all run on the blockchain;

[0050] Among them, member corporate users share loan interest income and bad debt losses.

[0051] The method further includes:

[0052] Obtain the token income and expenditure data of member enterprise users, and display the token income and expenditure data to other member enterprise users in the blockchain.

[0053] The method further includes:

[0054] Collect statistics on the token income and expenditure data of member companies. Based on the statistical results, a preset proportion of member companies' funds will be placed in escrow, and tokens corresponding to the escrow funds will be issued to member companies in the blockchain.

[0055] The method further includes:

[0056] When a member enterprise submits a loan application, the enterprise member's corporate credit data will be publicized in the blockchain. If the votes of other enterprise members in the blockchain on the loan application request meet the preset requirements, the enterprise member's loan application request will be allowed.

[0057] Among them, corporate members use a preset proportion of tokens as collateral when submitting loan applications.

[0058] Among them, the preset requirements include: the number of votes in favor of the loan is greater than 2 / 3 of the total voting data.

[0059] Among them, Figure 2 As shown in the figure, the guarantee application process includes:

[0060] Each member company contributes a relatively small amount of funds and places the funds in an escrow account at a designated bank. At the same time, a guarantee system based on blockchain technology issues a corresponding amount of tokens to each member company.

[0061] Member companies apply for loans of a certain multiple of their capital contribution, pledge a portion of their own tokens, and publish their credit information to member companies in the blockchain, which is not visible to non-members.

[0062] The approval of an enterprise's loan application is decided by a vote of member enterprises. If more than 2 / 3 of the members decide to grant the loan, the application is approved.

[0063] After receiving the guarantee confirmation from the guarantee system and the credit information of the enterprise, the bank decides whether to grant the loan;

[0064] All members share the interest income and bear the bad debt losses together;

[0065] All financial operations and decision-making processes are run on the blockchain;

[0066] Among them, Figure 3 As shown in the figure, the guarantee effectiveness process includes:

[0067] Guarantee application module: users create a guarantee contract and submit the corresponding corporate credit data to the encrypted space. The smart contract records the summary and index information of the credit data;

[0068] Guarantee review module: other members review the credit data of the company to be reviewed and decide whether to provide a guarantee;

[0069] Guarantee display module: view the execution status of the guarantee contract and track the dynamics of the guarantee contract;

[0070] User Asset Module: The current user's token income and expenditure, tokens can be transferred to other users.

[0071] Example 2:

[0072] On the other hand, the present invention also proposes a blockchain-based enterprise guarantee system 200, such as Figure 4 Shown, including:

[0073] A guarantee application module is used to create a guarantee contract for the user enterprise on the blockchain, obtain the enterprise credit data of the user enterprise, extract the summary and index information of the enterprise credit data, add the summary and index information to the guarantee contract, and submit the enterprise credit data to the encrypted space of the blockchain for storage;

[0074] a guarantee review module, configured to receive a guarantee contract, retrieve the enterprise credit data corresponding to the enterprise user in the encrypted space through the summary or index information of the guarantee contract, and review the enterprise credit data according to preset standards;

[0075] The guarantee display module is used to add the review status to the guarantee contract and save and record the reviewed guarantee contract in the blockchain.

[0076] Among them, the guarantee application module: the user creates a guarantee contract and submits the corresponding corporate credit data to the encrypted space. The summary and index information of the credit data are recorded on the smart contract;

[0077] Guarantee review module: other members review the credit data of the company to be reviewed and decide whether to provide a guarantee;

[0078] Guarantee display module: view the execution status of the guarantee contract and track the dynamics of the guarantee contract;

[0079] User Asset Module: The current user's token income and expenditure, tokens can be transferred to other users.

[0080] The present invention adopts blockchain technology, and the behavior of all participants will be recorded on the chain, which cannot be deleted or modified, is open and transparent, and increases the cost of breach of contract.

[0081] Example 3:

[0082] Based on the same inventive concept, the present invention also provides a computer device, which includes a processor and a memory, wherein the memory is used to store a computer program, the computer program includes program instructions, and the processor is used to execute the program instructions stored in the computer storage medium. The processor may be a central processing unit (CPU), or may be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components, etc. It is the computing core and control core of the terminal, which is suitable for implementing one or more instructions, specifically suitable for loading and executing one or more instructions in the computer storage medium to implement the corresponding method flow or corresponding function, so as to implement the steps of the method in the above embodiment.

[0083] Example 4:

[0084] Based on the same inventive concept, the present invention also provides a storage medium, specifically a computer-readable storage medium (Memory), which is a memory device in a computer device for storing programs and data. It can be understood that the computer-readable storage medium here can include both built-in storage media in the computer device and, of course, extended storage media supported by the computer device. The computer-readable storage medium provides a storage space that stores the operating system of the terminal. In addition, one or more instructions suitable for being loaded and executed by the processor are also stored in the storage space. These instructions can be one or more computer programs (including program codes). It should be noted that the computer-readable storage medium here can be a high-speed RAM memory or a non-volatile memory, such as at least one disk memory. The processor can load and execute one or more instructions stored in the computer-readable storage medium to implement the steps of the method in the above embodiment.

[0085] It will be understood by those skilled in the art that the embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take 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. The solutions in the embodiments of the present invention may be implemented in various computer languages, for example, the object-oriented programming language Java and the interpreted scripting language JavaScript.

[0086] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes 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 a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0087] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0088] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0089] Although the preferred embodiments of the present invention have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0090] Obviously, those skilled in the art may make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if such changes and modifications fall within the scope of the claims and their equivalents, the present invention is intended to include such changes and modifications.

Claims

1. A blockchain-based enterprise guarantee method, characterized in that: include: Creating a guarantee contract for the user enterprise on the blockchain, obtaining the enterprise credit data of the user enterprise, extracting the summary and index information of the enterprise credit data, adding the summary and index information to the guarantee contract, and submitting the enterprise credit data to the encrypted space of the blockchain for storage; Receiving the guarantee contract, retrieving the enterprise credit data corresponding to the enterprise user in the encrypted space through the summary or index information of the guarantee contract, and reviewing the enterprise credit data according to preset standards; The audit status is added to the guarantee contract, and the audited guarantee contract is saved and recorded in the blockchain.

2. The enterprise guarantee method according to claim 1, characterized in that: The review status includes: review passed and review failed; The approval of the review means that the guarantee contract has been approved, and the enterprise user who has passed the guarantee contract request is marked as a member enterprise user; Among them, the enterprise credit data meets the preset standards, and the ratings of the enterprise credit data by the member enterprise users in the blockchain meet the rating requirements, and the review is passed. The preset standards are the general standards for credit guarantees; Among them, all actions involving funds on the blockchain by member corporate users will be recorded on the blockchain and cannot be changed or deleted; Among them, the capital operation and decision-making process of member corporate users are all run on the blockchain; Among them, member corporate users share loan interest income and bad debt losses.

3. The enterprise guarantee method according to claim 2, characterized in that: The method further comprises: Obtain the token income and expenditure data of member enterprise users, and display the token income and expenditure data to other member enterprise users in the blockchain.

4. The enterprise guarantee method according to claim 2, characterized in that: The method further comprises: Collect statistics on the token income and expenditure data of member companies. Based on the statistical results, a preset proportion of member companies' funds will be placed in escrow, and tokens corresponding to the escrow funds will be issued to member companies in the blockchain.

5. The enterprise guarantee method according to claim 4, characterized in that: The method further comprises: When a member enterprise submits a loan application, the enterprise member's corporate credit data will be publicized in the blockchain. If the votes of other enterprise members in the blockchain on the loan application request meet the preset requirements, the enterprise member's loan application request will be allowed.

6. The enterprise guarantee method according to claim 5, characterized in that: When the corporate member submits a loan application, he / she uses a preset proportion of tokens as collateral.

7. The enterprise guarantee method according to claim 5, characterized in that: The preset requirements include: the number of votes in favor of the loan is greater than 2 / 3 of the total voting data.

8. A blockchain-based enterprise guarantee system, characterized by: include: A guarantee application module is used to create a guarantee contract for the user enterprise on the blockchain, obtain the enterprise credit data of the user enterprise, extract the summary and index information of the enterprise credit data, add the summary and index information to the guarantee contract, and submit the enterprise credit data to the encrypted space of the blockchain for storage; a guarantee review module, configured to receive a guarantee contract, retrieve the enterprise credit data corresponding to the enterprise user in the encrypted space through the summary or index information of the guarantee contract, and review the enterprise credit data according to preset standards; The guarantee display module is used to add the review status to the guarantee contract and save and record the reviewed guarantee contract in the blockchain.

9. A computer device, characterized in that: include: one or more processors; a processor for executing one or more programs; When the one or more programs are executed by the one or more processors, the method according to claim 8 is implemented.

10. A computer-readable storage medium, characterized in that A computer program is stored thereon, and when the computer program is executed, the method according to claim 8 is implemented.

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