CN112767185B - Reverse warranty financing method, device and storage medium based on blockchain - Google Patents
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Abstract
The invention discloses a reverse warranty financing method, equipment and a storage medium based on a blockchain. In addition, the invention realizes multiparty cooperation of reverse insurance business by using the blockchain technology, reduces a large number of intermediate links, simplifies the process of bill transmission and auditing, saves manpower, material resources, financial resources and time cost, and ensures that the financing process is more rapid and intelligent. The electronic bill is not tamperable and counterfeitable, the authenticity of various bills used in the business is ensured, the trust relationship among all the participants is enhanced, and the financing process is safer and more efficient.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to a reverse warranty financing method, device and storage medium based on a blockchain.
Background
Reverse policy, also known as buyer policy, refers to policy in which a debtor (core business) initiates or dominates a business application. The insurance manager selects and achieves a reverse insurance agreement with the core enterprises with larger scale and better credit, and provides insurance financing for the medium and small enterprises which supply goods and are positioned on the supply chain.
As in the conventional reverse warranty financing service system of fig. 1, however, the reverse warranty financing service process described above has the following problems:
① In the traditional reverse nursing financing activity, the development and verification of a large amount of paper materials are involved, and the material transmission process often adopts a mailing mode, so that the efficiency of the financing activity is greatly reduced, and a large amount of manpower and financial resources are wasted.
② Paper materials have the possibility of counterfeiting, are easy to lose and are not easy to store.
③ The issuance of reverse-policy contracts is based on the risk assessment of the buyer by the policy manager, who may underestimate the risk of the buyer's breach due to insufficient knowledge of the buyer's information or due to false creation of the buyer's data.
Disclosure of Invention
The invention provides a reverse warranty financing method based on a block chain, which aims to solve the technical problems of low efficiency, high cost and high risk of the existing reverse warranty financing activity.
The technical scheme adopted by the invention is as follows:
a reverse warranty financing method based on block chains comprises the following steps:
the buyer node signs the enterprise information verified by the Oracle node by using a private key and then issues the enterprise information to the blockchain network;
the method comprises the steps that a buyer node and a seller node achieve a transaction contract, the buyer node executes an intelligent contract for generating accounts payable, generates a digital accounts payable bill comprising a set field by using enterprise information verified by an Oracle node and the transaction content, signs the digital accounts payable bill by using a private key and then issues the digital accounts payable bill to a blockchain network, wherein the current state of the accounts payable bill is set to be a first state in a complete life cycle of the accounts payable bill;
After verifying the signature of the buyer node and the relevant set field of the receivables bill, the seller node delivers goods to the buyer, uploads a delivery certificate to the Oracle node, fills the relevant set field of the receivables bill, and finally issues the signature to the blockchain network;
The buyer node verifies the signature and the delivery certificate of the seller node, issues the receivables bill signature to the blockchain network after the verification is passed, transfers the receivables bill to the seller node at the moment, and changes the current state of the receivables bill into a second state in the complete life cycle of the receivables bill;
After the seller node and the insurance manager node reach an assignment agreement, the seller node signs the receivables bill and issues the signed receivables bill to the blockchain network;
the insurance manager node verifies the signature of the seller node and the content of the receivables bill, transfers accounts to the seller node, uploads the transfer certificate to the Oracle node, fills in the relevant setting field of the receivables bill, and finally issues the signature to the blockchain network;
The seller node verifies the signature and the transfer certificate of the insurance provider node, and issues the receivables bill signature to the blockchain network after the verification is passed, at the moment, the receivables bill is transferred to the insurance provider node, and the current state of the receivables bill is converted into a third state in the complete life cycle of the receivables bill;
executing an intelligent contract for cashing accounts receivable by the insurance provider node, signing the accounts receivable bill and then issuing the bill to the blockchain network;
The buyer node verifies the signature of the insurance provider node, transfers accounts to the insurance provider node, uploads the transfer certificate to the Oracle node, fills in the relevant setting field of the receivables bill, and issues the signed account to the blockchain network;
The manager node verifies the signature and the transfer certificate of the buyer node, issues the receivables bill signature to the blockchain network after the verification is passed, transfers the receivables bill to the buyer node at the moment, and changes the current state of the receivables bill into a fourth state in the complete life cycle of the receivables bill.
Further, the setting field of the receivables ticket includes:
the payer: a buyer in a transaction;
Enterprise information: the buyer business needs to provide business information;
Document number: the number of accounts receivable is determined according to the number of times the buyer generates the accounts receivable;
the payee: a seller or a manager receiving receivables;
transaction content: materials, products or services that the buyer needs to purchase;
The amount of money to be received: the amount that the buyer should pay;
Payment date: the date on which the buyer expects to pay for receivables;
Delivery certificate: the seller provides the buyer with the voucher that has been delivered;
And (5) the insurance manager: a mechanism for providing a warranty service for accounts receivable;
the discount rate: accounts receivable discount rate given by the insurance manager;
the cash amount of the paste: accounts receivable amounts posted;
transfer voucher: the insurer provides the seller or the insurer with mutual providing transfer evidence of the receivables;
Current holder: the current holder of the receivables;
remaining expiration days: the remaining days for redemption of receivables from the buyer;
current state: the receivables ticket is currently in its life cycle.
Further, the receivables ticket is uniquely identified by a payer and a ticket number field; the specific state of the accounts receivable bill is determined through two fields of the current holder and the current state.
Further, the first state is a payable state, and the payable state is a state in which the buyer node generates an receivables ticket.
Further, the second state is a receivable state, and the receivable state is a state in which both parties of the buying and selling node are in a receivable account bill held by the seller node after the trading is achieved.
Further, the third state is a discount state, the discount state being a state in which receivables transferred between the manager nodes are discount by the seller nodes.
Further, the fourth state is a failure state, and the failure state is a state where the recovered receivables ticket is located after the buyer node pays back to the manager node.
Further, the cash-receivables cash-on-spot pricing model is used as part of the content of the intelligent contract and is embedded into the cash-receivables cash-on-spot business process to realize automatic execution of cash-on-spot business, and the cash-receivables cash-on-spot pricing model is defined as follows:
Deposit amount = deposit amount-deposit amount x deposit rate ≡360× number of remaining expiration days
Wherein the discount rate is a function of the risk-free interest rate r f, the reimbursement rate r r, the discount period t, and the buyer credit risk interest rate r B based on the blockchain:
The discount rate=f (r f,rr,t,rB).
In another aspect, the invention provides an electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the blockchain-based reverse warranty financing method when executing the program.
In another aspect, the present invention provides a storage medium, where the storage medium includes a stored program, and when the program runs, controls a device where the storage medium is located to execute the blockchain-based reverse warranty financing method.
The invention has the following beneficial effects:
According to the block chain-based reverse insurance financing method, the information of the whole reverse insurance financing process is completely published on the chain through the block chain, so that information islands among the participants are broken, information sharing is realized, the trust degree among the participants is deepened, the complete life cycle and state transfer process of accounts receivable bills are reasonably designed, and the digitization of the bills and automatic circulation in a block chain network are realized; in the transaction process, each participant repeatedly confirms and verifies the signature and the data, so that the authenticity of the data is improved, and the investment risk of the insurance manager due to the information authenticity problem is reduced; the use of the blockchain technology accurately records transaction information of all participants on a chain, guarantees the non-falsification of the information, and can trace the source of the occurrence of the problem very easily once the problem occurs in the transaction link, thereby being convenient for the supervision of the transaction flow; the automatic execution of the intelligent contract replaces the processes of making a bill, filling in, mailing, auditing and the like which occupy a great deal of manpower and time in the traditional reverse warranty business process, thereby saving the cost of manpower, material resources, financial resources and time; the combination of technologies such as block chain, asymmetric encryption, intelligent contract and the like realizes multiparty cooperation of reverse security service, reduces a large number of intermediate links, and enables the financing process to be quicker, safer and more intelligent.
In addition to the objects, features and advantages described above, the present invention has other objects, features and advantages. The invention will be described in further detail with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:
FIG. 1 is a schematic diagram of a prior art pay-per-pad business network in logistic financing.
FIG. 2 is a block chain based reverse warranty financing method flow diagram in accordance with a preferred embodiment of the present invention.
Fig. 3 is a traffic timing diagram of a preferred embodiment of the present invention.
Fig. 4 is a schematic diagram of a data model of an receivables ticket in accordance with a preferred embodiment of the invention.
Fig. 5 is a full life cycle schematic of an receivables ticket of a preferred embodiment of the invention.
FIG. 6 is a block chain ledger design schematic of an receivables ticket in accordance with a preferred embodiment of the invention.
Fig. 7 is a network deployment diagram of a preferred embodiment of the present invention.
Detailed Description
It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.
For ease of understanding, the technical terms and multiparty nodes involved in the blockchain network in the blockchain-based reverse warranty financing method will be explained first.
① Oracle (prophetic): the platform for providing external information can allow the blockchain to be connected to any existing API, and can import, store and export information about network nodes on the blockchain, so that dynamic acquisition of the information is realized;
② Buyer node: refers to a buyer business in a transaction;
③ Vendor node: refers to the vendor business in the transaction;
④ And (5) a manager node: refers to a financial institution that provides a warranty service.
Reverse policy, also known as buyer policy, refers to policy in which a debtor (core business) initiates or dominates a business application. The insurance manager selects and achieves a reverse insurance agreement with the core enterprises with larger scale and better credit, and provides insurance financing for the medium and small enterprises which supply goods and are positioned on the supply chain.
Blockchain technology refers to an emerging technology of jointly maintaining a complete distributed database by forming a point-to-point distributed network by a plurality of computer devices. The blockchain technology has the characteristics of decentralization, disclosure transparency, difficult data tampering, difficult data loss and the like, and has wide application in a plurality of fields.
Smart contract technology is essentially a piece of programming in some computational programming language that runs on nodes of a blockchain network, automatically when a triggering condition is met. As an abstraction of a real scene, the intelligent contract realizes rules of multiparty contract in the real world by using computer language, and when certain real conditions mapped in a program occur, the computer automatically executes the preset intelligent contract, thereby avoiding the occurrence of default conditions.
The asymmetric encryption technology is to encrypt and decrypt data by using a group of public and private keys, wherein the public key encryption and the private key decryption are encryption schemes; the private key encryption and public key decryption are signature schemes. Among the asymmetric encryption algorithms that are commonly used today are the RSA algorithm and the elliptic curve algorithm (ECSDA).
The Hash algorithm can map binary plaintext strings with arbitrary lengths into shorter binary strings with fixed lengths (Hash values), and the probability of different plaintext mappings into the same Hash value is very small. An excellent Hash algorithm can realize the following functions: forward speed, reverse difficulty, input sensitivity, collision avoidance, and thus, the Hash algorithm is also called fingerprint (fingerprint) or digest (digest).
The digital identity is reliably authenticated by adopting a digital signature technology, the digital signature has uniqueness relative to a signer in use by utilizing a cryptography principle, and counterfeiting of a digital signature is not computationally possible, so that the true identity of the signer can be identified through the digital signature, and the digital signature cannot be repudiated.
As shown in fig. 2, a reverse warranty financing method based on a blockchain includes the steps of:
S1, a buyer node sends enterprise information and the like to an Oracle node, and the Oracle node verifies that the information is true, signs the information with a private key and then issues the information to a blockchain network;
s2, a buyer node and a seller node reach a transaction contract, the buyer node executes an intelligent contract for generating accounts payable, generates a digital accounts payable bill comprising a set field by using enterprise information verified by an Oracle node and the transaction content, signs the bill by a private key and then issues the bill to a blockchain network, wherein the current state of the accounts payable bill is set to be a first state in the complete life cycle of the bill;
s3, after verifying fields such as a signature, transaction content, amount to be received and the like of the buyer node, the seller node delivers goods to the buyer node, and uploads a delivery certificate to the Oracle node;
s4, the seller node fills in a delivery certificate field of the bill to be received through the Oracle node, signs and then issues the bill to the blockchain network;
s5, the buyer node verifies the signature and the delivery certificate of the seller node, the receivables bill signature is issued to the blockchain network after verification is passed, at the moment, the receivables bill is transferred to the seller node, and the current state of the receivables bill is transferred to a second state in the complete life cycle of the receivables bill;
s6, after the seller node and the insurance provider node reach an assignment protocol, the seller node signs the accounts receivable bill and then issues the bill to the blockchain network;
S7, verifying the signature and accounts receivable bill content of the seller node by the manager node, transferring accounts to the seller node, and uploading the account transfer certificate to the Oracle node;
s8, filling out the cash register and transfer certificate fields by the manager node through the Oracle node, and finally signing and then issuing to a blockchain network;
S9, the seller node verifies the signature and the transfer certificate of the insurance provider node, the receivables bill signature is issued to the blockchain network after the verification is passed, at the moment, the receivables bill is transferred to the insurance provider node, and the current state of the receivables bill is converted into a third state in the complete life cycle of the receivables bill;
s10, the manager node executes an intelligent contract for cashing accounts receivable, signs the accounts receivable bill and then issues the accounts receivable bill to the blockchain network;
S11, the buyer node verifies the signature of the manager node, transfers accounts to the manager node, and uploads the account transfer certificate to the Oracle node;
S12, filling in a transfer certificate field by the buyer node through the Oracle node, signing and then issuing to a blockchain network;
s13, the manager node verifies the signature and the transfer certificate of the buyer node, the receivables bill signature is issued to the blockchain network after the verification is passed, the receivables bill is transferred to the buyer node at the moment, and the current state of the receivables bill is converted into a fourth state in the complete life cycle of the receivables bill.
According to the reverse insurance financing method based on the blockchain, the information of the whole reverse insurance financing process is completely published on the chain through the blockchain, information islands among the participants are broken, information sharing is realized, the trust degree among the participants is deepened, the complete life cycle and state transfer process of receivables notes are reasonably designed, the digitization of the notes and automatic circulation in a blockchain network are realized, and the interaction time sequence among the nodes is shown in figure 3; in the transaction process, each participant repeatedly confirms and verifies the signature and the data, so that the authenticity of the data is improved, and the investment risk of the insurance manager due to the information authenticity problem is reduced; the use of the blockchain technology accurately records transaction information of all participants on a chain, guarantees the non-falsification of the information, and can trace the source of the occurrence of the problem very easily once the problem occurs in the transaction link, thereby being convenient for the supervision of the transaction flow; the automatic execution of the intelligent contract replaces the processes of making a bill, filling in, mailing, auditing and the like which occupy a great deal of manpower and time in the traditional reverse warranty business process, thereby saving the cost of manpower, material resources, financial resources and time; the combination of technologies such as block chain, asymmetric encryption, intelligent contract and the like realizes multiparty cooperation of reverse security service, reduces a large number of intermediate links, and enables the financing process to be quicker, safer and more intelligent. FIG. 7 is a block chain network deployment diagram of a preferred embodiment of the present invention.
Specifically, the data model design is a precondition for realizing the state transfer and life cycle of the receivables bill, the receivables data model based on the blockchain not only accords with the requirement of the uplink of the digital asset information, embodies the reverse insurance business process in reality, but also needs to accurately represent the state and the current attribution of the receivables bill in the life cycle, based on which, as shown in fig. 4, the setting fields of the receivables bill in the embodiment comprise:
the payer: a buyer in a transaction;
Enterprise information: the buyer business needs to provide business information;
Document number: the number of accounts receivable is determined according to the number of times the buyer generates the accounts receivable;
the payee: a seller or a manager receiving receivables;
transaction content: materials, products or services that the buyer needs to purchase;
The amount of money to be received: the amount that the buyer should pay;
Payment date: the date on which the buyer expects to pay for receivables;
Delivery certificate: the seller provides the buyer with the voucher that has been delivered;
And (5) the insurance manager: a mechanism for providing a warranty service for accounts receivable;
the discount rate: accounts receivable discount rate given by the insurance manager;
the cash amount of the paste: accounts receivable amounts posted;
transfer voucher: the insurer provides the seller or the insurer with mutual providing transfer evidence of the receivables;
Current holder: the current holder of the receivables;
remaining expiration days: the remaining days for redemption of receivables from the buyer;
current state: the receivables ticket is currently in its life cycle.
Wherein the receivables ticket is uniquely identified by a payer and a ticket number field; the specific state of the accounts receivable bill is determined through two fields of the current holder and the current state. The other fields are expressed in terms of attributes of the corresponding receipts. The accounts receivable realizes the digital conversion through the data model.
Specifically, the first state is a payable state, which is a state in which the buyer node is in when generating an receivables ticket. The second state is a receivable state, and the receivable state is a state in which both parties of the buying and selling node are in a receivable account bill held by the seller node after the trading is achieved. The third state is a posting state that is a state where receivables are posted by the seller nodes and transferred between the manager nodes. The fourth state is a failure state, and the failure state is a state where the recovered receivables ticket is located after the buyer node pays back to the manager node.
The life cycle of the receivables is abstract description of the actual reverse insurance business process, and is a necessary analysis link for realizing the digitization of the receivables. For the reverse secured business process, the lifecycle of the receivables ticket, which is from generation to redemption, is subject to the payable state, receivables state, posting state, invalidation state, thus constituting a complete lifecycle, is shown in fig. 5. At the same time, the transfer of state is driven by several actions of generation, transaction, payment (transfer), repayment.
Introduction of each action:
generating: executing by the buyer, and generating accounts receivable;
Transaction: the buyer and the seller complete the transaction, and the accounts receivable is held by the seller after the transaction;
paying: the insurance manager executes the receivables, and the receivables are held by the insurance manager after the receivables are paid;
Repayment: the buyer performs the payment, and the receivables are recovered by the buyer after the payment.
Based on the reverse security of the blockchain, a series of processes and results such as receivables posting, transactions and the like need to be recorded by using the blockchain technology, so the blockchain ledger design about receivables is shown in fig. 6. The ledger contains two components, world state and blockchain. The world state is a database used for storing a set of the current state of a group of accounts, namely the state that all accounts hold accounts receivable; blockchains are transaction logs that record all changes that contribute to the current world state, i.e., a record of the flow of accounts receivable between all accounts. Transactions recorded in the blockchain change the state of certain accounts, thereby changing the world state of the ledger.
Accounts receivable discount is a key link of fund return by sellers in reverse insurance business, and the buyer default risk is taken as an important calculation index and is included in a discount rate pricing model. The block chain-based reverse insurance financing method ensures the automatic execution of the cashing of the accounts receivable due to the fact that the key information such as the enterprise information, the transaction content and the like of the buyer enterprise are accurately and tamper-proof recorded in the data model of the accounts receivable, so that the default risk of the buyer enterprise and the investment risk of the insurance manager are greatly reduced, and meanwhile, the liquidity of the accounts receivable is relatively enhanced, and therefore, compared with the traditional cashing pricing model, the block chain-based cashing pricing model of the accounts receivable also has corresponding change.
Thus, in a preferred embodiment of the present invention, the present pricing model of the receivables will be used as part of the content of the intelligent contract, and is embedded into the business flow of the receivables present, so as to implement automatic execution of the present business, and the definition of the present pricing model of the receivables is as follows:
Deposit amount = deposit amount-deposit amount x deposit rate ≡360× number of remaining expiration days
Wherein the discount rate is a function of the risk-free interest rate r f, the reimbursement rate r r, the discount period t, and the buyer credit risk interest rate r B based on the blockchain:
The discount rate=f (r f,rr,t,rB).
In another aspect, the preferred embodiment of the present invention provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the blockchain-based reverse warranty financing method when executing the program.
In another aspect, a preferred embodiment of the present invention provides a storage medium, where the storage medium includes a stored program, and when the program runs, controls a device in which the storage medium is located to execute the blockchain-based reverse warranty financing method.
According to the block chain-based reverse insurance financing method, the information of the whole reverse insurance financing process is completely published on the chain through the block chain, so that the digitization of bills and the automatic circulation in a block chain network are realized, the authenticity of data is improved, and the investment risk of an insurance manager due to the information authenticity problem is reduced. In addition, the invention realizes multiparty cooperation of reverse insurance business by using the blockchain technology, reduces a large number of intermediate links, simplifies the process of bill transmission and auditing, saves manpower, material resources, financial resources and time cost, and ensures that the financing process is more rapid and intelligent. The electronic bill is not tamperable and counterfeitable, the authenticity of various bills used in the business is ensured, the trust relationship among all the participants is enhanced, and the financing process is safer and more efficient.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.
The functions described in the methods of this embodiment, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in one or more computing device readable storage media. Based on such understanding, a part of the present invention that contributes to the prior art or a part of the technical solution may be embodied in the form of a software product stored in a storage medium, comprising several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device, etc.) to execute all or part of the steps of the method described in the embodiments of the present invention. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a Read-Only Memory (ROM), a random-access Memory (RAM, random Access Memory), a magnetic disk or an optical disk, or other various media capable of storing program codes.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (3)
1. The reverse warranty financing method based on the blockchain is characterized by comprising the following steps:
the buyer node signs the enterprise information verified by the Oracle node by using a private key and then issues the enterprise information to the blockchain network;
the method comprises the steps that a buyer node and a seller node achieve a transaction contract, the buyer node executes an intelligent contract for generating accounts payable, generates a digital accounts payable bill comprising a set field by using enterprise information verified by an Oracle node and the transaction content, signs the digital accounts payable bill by using a private key and then issues the digital accounts payable bill to a blockchain network, wherein the current state of the accounts payable bill is set to be a first state in a complete life cycle of the accounts payable bill;
After verifying the signature of the buyer node and the relevant set field of the receivables bill, the seller node delivers goods to the buyer, uploads a delivery certificate to the Oracle node, fills the relevant set field of the receivables bill, and finally issues the signature to the blockchain network;
The buyer node verifies the signature and the delivery certificate of the seller node, issues the receivables bill signature to the blockchain network after the verification is passed, transfers the receivables bill to the seller node at the moment, and changes the current state of the receivables bill into a second state in the complete life cycle of the receivables bill;
After the seller node and the insurance manager node reach an assignment agreement, the seller node signs the receivables bill and issues the signed receivables bill to the blockchain network;
the insurance manager node verifies the signature of the seller node and the content of the receivables bill, transfers accounts to the seller node, uploads the transfer certificate to the Oracle node, fills in the relevant setting field of the receivables bill, and finally issues the signature to the blockchain network;
The seller node verifies the signature and the transfer certificate of the insurance provider node, and issues the receivables bill signature to the blockchain network after the verification is passed, at the moment, the receivables bill is transferred to the insurance provider node, and the current state of the receivables bill is converted into a third state in the complete life cycle of the receivables bill;
executing an intelligent contract for cashing accounts receivable by the insurance provider node, signing the accounts receivable bill and then issuing the bill to the blockchain network;
The buyer node verifies the signature of the insurance provider node, transfers accounts to the insurance provider node, uploads the transfer certificate to the Oracle node, fills in the relevant setting field of the receivables bill, and issues the signed account to the blockchain network;
The manager node verifies the signature and the transfer certificate of the buyer node, issues the receivables bill signature to the blockchain network after the verification is passed, transfers the receivables bill to the buyer node at the moment, and changes the current state of the receivables bill into a fourth state in the complete life cycle of the receivables bill;
the first state is a payable state, and the payable state is a state when the buyer node generates an receivables bill;
The second state is a receivable state, and the receivable state is a state in which receivables notes held by a seller node are located after both parties of the buyer node reach a transaction;
the third state is a discount state, wherein the discount state is a state of being discount by a seller node and an accounts receivable bill transferred between the nodes of a manager;
The fourth state is a failure state, and the failure state is a state in which the recovered receivables bill is located after the buyer node pays back to the manager node;
The setting fields of the accounts receivable bill include:
the payer: a buyer in a transaction;
Enterprise information: the buyer business needs to provide business information;
Document number: the number of accounts receivable is determined according to the number of times the buyer generates the accounts receivable;
the payee: a seller or a manager receiving receivables;
transaction content: materials, products or services that the buyer needs to purchase;
The amount of money to be received: the amount that the buyer should pay;
Payment date: the date on which the buyer expects to pay for receivables;
Delivery certificate: the seller provides the buyer with the voucher that has been delivered;
And (5) the insurance manager: a mechanism for providing a warranty service for accounts receivable;
the discount rate: accounts receivable discount rate given by the insurance manager;
the cash amount of the paste: accounts receivable amounts posted;
transfer voucher: the insurer provides the seller or the insurer with mutual providing transfer evidence of the receivables;
Current holder: the current holder of the receivables;
remaining expiration days: the remaining days for redemption of receivables from the buyer;
current state: the state of the receivables ticket currently in its lifecycle;
The accounts receivable bill is uniquely identified by a payer and a bill number field; the specific state of the accounts receivable bill is determined through two fields of the current holder and the current state;
the cash register pricing model of the accounts receivable bill is used as part of the content of the intelligent contract and is embedded into the cash register business flow of the accounts receivable bill, so that automatic execution of cash register business is realized, and the cash register pricing model of the accounts receivable bill is defined as follows:
Deposit amount = deposit amount-deposit amount x deposit rate ≡360× number of remaining expiration days
Wherein the discount rate is a function of the risk-free interest rate r f, the reimbursement rate r r, the discount period t, and the buyer credit risk interest rate r B based on the blockchain:
The discount rate=f (r f,rr,t,rB).
2. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the blockchain-based reverse warranty financing method of claim 1 when executing the program.
3. A storage medium comprising a stored program that, when executed, controls a device in which the storage medium resides to perform the blockchain-based reverse warranty financing method of claim 1.
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| CN113689209A (en) * | 2021-08-29 | 2021-11-23 | 上海舵衔数字科技中心 | Medical insurance fund payment method |
| CN113823389A (en) * | 2021-08-29 | 2021-12-21 | 上海舵衔数字科技中心 | Medicine purchasing and maintaining system |
| CN113707284A (en) * | 2021-08-29 | 2021-11-26 | 上海舵衔数字科技中心 | Medical insurance policy repayment method |
| CN113850595A (en) * | 2021-09-09 | 2021-12-28 | 湖南大学 | Export back-to-back insurance financing method and device based on block chain and electronic equipment |
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