阅读说明：本技术 基于区块链的保理池融资方法及系统、设备、存储介质 (Guarantee pool financing method, system, equipment and storage medium based on block chain ) 是由 马超群 孙霖 周中定 李信儒 兰秋军 万丽 米先华 于 2021-08-04 设计创作，主要内容包括：本发明公开了一种基于区块链的保理池融资方法及系统、设备、存储介质,所述方法基于区块链的智能合约技术实现了保理池融资业务的自动化执行,提高了供应链融资的效率,降低了人力、物力成本,降低了保理商的融资风险,实现了更为快捷、安全、可靠的保理池融资。合理地设计了应收账款票据的生命周期状态和状态转移过程,不仅实现了应收账款票据的数字化上链,而且根据保理池融资业务流程的进行不断对应收账款票据的生命周期状态进行更新,并实现应收账款票据在各方节点之间进行相应的流转,有利于应收账款票据在区块链网络中自动化流转,增强了各方节点在融资过程中的信任程度,提高了融资效率。(The invention discloses a block chain-based insurance pool financing method, a block chain-based intelligent contract technology, a system, equipment and a storage medium, wherein the method realizes the automatic execution of insurance pool financing service, improves the supply chain financing efficiency, reduces the cost of manpower and material resources, reduces the financing risk of insurance managers, and realizes more rapid, safe and reliable insurance pool financing. The life cycle state and the state transfer process of the receivable account bills are reasonably designed, so that the digital cochain of the receivable account bills is realized, the life cycle state of the receivable account bills is continuously updated according to the financing business process of the insurance pool, the receivable account bills are correspondingly transferred among all nodes, the automatic transfer of the receivable account bills in a block chain network is facilitated, the trust degree of all nodes in the financing process is enhanced, and the financing efficiency is improved.)

1. A block chain-based insurance pool financing method is characterized by comprising the following steps:

step S1: the buyer node sends the enterprise information to an Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;

step S2: after the buyer node and the seller node reach a trade contract, the buyer node executes a first intelligent contract for generating an accounts receivable bill on the block chain, the first intelligent contract generates an accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;

step S3: the seller node and the buyer node execute the goods consignment event, and release the related information signature of the goods consignment event into the block chain after confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and updates the life cycle state of the accounts receivable bill to a state to be received;

step S4: the method comprises the following steps that a seller node and a warranty manager node execute a warranty pool financing event, sign and confirm related information of the warranty pool financing event and then issue the related information into a block chain, a first intelligent contract updates an account receipt bill based on the uploaded related information of the warranty pool financing event, and the life cycle state of the account receipt bill is updated to be a closed state;

step S5: and the second intelligent contract updates the receipt bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the receivable bill to be a failure state.

2. The blockchain-based insurance pool financing method according to claim 1, characterized in that the accounts receivable ticket model comprises the following: payer, enterprise information, document number, payee, transaction content, amount due for receipt, payment date, delivery voucher, warrant, service number of warrant pool, warrant content, cash rate, cash amount, total cash amount, transfer voucher, current holder, remaining due days, life cycle status.

3. The block chain-based insurance pool financing method according to claim 2, wherein the step S2 specifically includes the following contents:

after the buyer node and the seller node reach a trade contract, the buyer node issues enterprise information and a trade contract which pass the verification of the Oracle node into a block chain after being signed by a private key, and generates an accounts receivable bill according to the enterprise information, the trade contract and a preset accounts receivable bill model uploaded by the buyer node after a first intelligent contract is triggered, and the life cycle state of the accounts receivable bill is updated to a state of accounts receivable.

4. The block chain-based insurance pool financing method according to claim 3, wherein the step S3 specifically includes the following contents:

step S31: the seller node verifies the signature of the buyer node and confirms the transaction content and the receivable amount in the receivable bill, then delivers the transaction content and the receivable amount to the buyer node, and uploads the consignment contract signature to the Oracle node;

step S32: the Oracle node verifies the consignment contract uploaded by the seller node, the seller node fills in a delivery certificate field in the bill of the receivable account by using the consignment contract which passes the verification of the Oracle node, and the delivery certificate field is signed and then issued to the block chain;

step S33: the buyer node verifies the signature of the seller node and confirms a delivery voucher field in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, the receivable bill is issued into the block chain, the first intelligent contract updates the content in the receivable bill according to the shipping contract, the receivable bill is transferred to the seller node, and the life cycle state of the receivable bill is updated to be in a receivable state.

5. The block chain-based insurance pool financing method according to claim 4, wherein the step S4 specifically includes the following contents:

step S41: the seller node and the policy holder node reach a policy agreement and a liability assignment agreement, and the seller node signs one or more accounts receivable bills and then issues the bills into the block chain;

step S42: the policy holder node verifies the signature and content of the seller node in all accounts receivable bills, transfers the accounts to the seller node, and uploads the transfer record signature to the Oracle node;

step S43: the Oracle node verifies the warranty agreement, the bond transfer agreement and the transfer record, and the warranty provider node fills corresponding contents in the receivable account bill by using the warranty agreement, the bond transfer agreement and the transfer record which pass the Oracle verification, signs and then issues the signed contents to the block chain;

step S44: the seller node verifies the signature of the policy holder node and the related content in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, and the signature is issued to the block chain, the first intelligent contract updates the content in the receivable bill according to the transfer certificate between the policy holder node and the seller node, transfers the receivable bill to the policy holder node, and updates the life cycle state of the receivable bill to a closed state.

6. The block chain-based insurance pool financing method according to claim 5, wherein the step S5 specifically includes the following contents:

step S51: the policy holder node executes a second intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the signed receivable account bill to the block chain;

step S52: the buyer node verifies the signature of the policy holder node in the receivable account bill, transfers the account to the policy holder node, and uploads the account transfer record signature to the Oracle node;

step S53: the Oracle node verifies the transfer record, the buyer node fills the transfer certificate field in the receivable bill by using the transfer record passing the Oracle node verification, and the transfer certificate field is signed and then issued to the block chain;

step S54: the policy holder node verifies the signature of the buyer node and the transfer voucher field in the receivable bill, the signature is signed on the receivable bill after the verification is passed, the signature is issued to the block chain, the second intelligent contract updates the content in the receivable bill according to the transfer voucher between the buyer node and the policy holder node, the receivable bill is transferred to the buyer node, and the life cycle state of the receivable bill is updated to be in a failure state.

7. The blockchain-based insurance pool financing method according to claim 2, characterized in that the accounts receivable bill model calculates the cash-out amount using the following formula:

where F denotes the cash deposit amount, a denotes the receivable amount, T denotes the remaining number of days to which accounts are to be due, B denotes the cash deposit rate, and B ═ F (r)_f，r_r，t,r_B)，r_fIndicates no risk interest, r_rRepresenting the reproduction rate, t representing the posting period, r_BRepresenting buyer credit risk interest rates based on blockchain.

8. A block chain-based warranty pool financing system, comprising:

the identity verification module is used for enabling the buyer node to send the enterprise information to the Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;

the trade management module is used for enabling the buyer node to execute a first intelligent contract for generating an accounts receivable bill on the block chain after the buyer node and the seller node reach a trade contract, the first intelligent contract generates the accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;

the consignment management module is used for the seller node and the buyer node to execute a goods consignment event, and the related information of the goods consignment event is issued to the block chain after signature confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and the life cycle state of the accounts receivable bill is updated to be a state to be received;

the financing management module is used for the seller node and the insurance manager node to execute the insurance pool financing event, and issues the related information signature of the insurance pool financing event to the block chain after the related information signature is confirmed, the first intelligent contract updates the receipt bill based on the uploaded related information of the insurance pool financing event, and updates the life cycle state of the receivable receipt bill to a state of being posted;

and the repayment management module is used for executing a second intelligent contract for cashing accounts receivable by the payers on the block chain by the payers node, executing a repayment event by the buyer node and the payers node, and uploading the signature of the relevant information of the repayment event to the block chain after confirming the signature, wherein the second intelligent contract updates the account receivable bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the account receivable bill to be a failure state.

9. An apparatus comprising a processor and a memory, the memory having stored therein a computer program, the processor being configured to perform the steps of the method of any one of claims 1 to 7 by invoking the computer program stored in the memory.

10. A computer-readable storage medium for storing a computer program for warranty pool financing on a block chain basis, characterized in that the computer program, when run on a computer, performs the steps of the method according to any one of claims 1 to 7.

Technical Field

The present invention relates to the field of block chain technologies, and in particular, to a block chain-based insurance pool financing method, system, device, and computer-readable storage medium.

Background

The financing of the insurance policy pool refers to that one or more accounts receivable items containing different buyers, different time limits and different money amounts are all transferred to a policy holder or a bank at one time, and the policy holder or the bank gives financing according to the accumulated accounts receivable items. As shown in fig. 1, the existing financing process of the insurance pool specifically includes: the financing enterprise forms a plurality of accounts receivable accounts for a plurality of supply chain downstream enterprises, the financing enterprise transfers a plurality of accounts receivable accounts to the policy holder, the financing enterprise and the policy holder inform the plurality of supply chain downstream enterprises of the account transfer conditions, the policy holder confirms the account transfer conditions through the plurality of supply chain downstream enterprises, the policy holder provides financing for the financing enterprise, and finally, the plurality of supply chain downstream enterprises pay the account receivable accounts to the policy holder.

However, the existing insurance pool financing mode has the following disadvantages:

1. in the traditional financing activity of the insurance pool, a large amount of paper materials are opened and verified, and a mailing mode is often adopted in the material transfer process, so that the financing efficiency 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 difficult to store.

3. The contract signing of the insurance pool financing contract is based on risk assessment of insurance providers to financing enterprises and supply chain downstream enterprises, the contract signing relates to a plurality of enterprises, and the insurance providers often have incomplete control over the information of the enterprises, so that default risks are underestimated, and the financing risks of the insurance providers are large.

Disclosure of Invention

The invention provides a block chain-based insurance pool financing method, a block chain-based insurance pool financing system, block chain-based insurance pool financing equipment and a computer-readable storage medium, which are used for solving the defects of the existing insurance pool financing mode.

According to one aspect of the invention, a block chain-based insurance pool financing method is provided, which comprises the following steps:

step S1: the buyer node sends the enterprise information to an Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;

step S2: after the buyer node and the seller node reach a trade contract, the buyer node executes a first intelligent contract for generating an accounts receivable bill on the block chain, the first intelligent contract generates an accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;

step S3: the seller node and the buyer node execute the goods consignment event, and release the related information signature of the goods consignment event into the block chain after confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and updates the life cycle state of the accounts receivable bill to a state to be received;

step S4: the method comprises the following steps that a seller node and a warranty manager node execute a warranty pool financing event, sign and confirm related information of the warranty pool financing event and then issue the related information into a block chain, a first intelligent contract updates an account receipt bill based on the uploaded related information of the warranty pool financing event, and the life cycle state of the account receipt bill is updated to be a closed state;

step S5: and the second intelligent contract updates the receipt bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the receivable bill to be a failure state.

Further, the accounts receivable ticket model includes the following: payer, enterprise information, document number, payee, transaction content, amount due for receipt, payment date, delivery voucher, warrant, service number of warrant pool, warrant content, cash rate, cash amount, total cash amount, transfer voucher, current holder, remaining due days, life cycle status.

Further, the step S2 specifically includes the following steps:

after the buyer node and the seller node reach a trade contract, the buyer node issues enterprise information and a trade contract which pass the verification of the Oracle node into a block chain after being signed by a private key, and generates an accounts receivable bill according to the enterprise information, the trade contract and a preset accounts receivable bill model uploaded by the buyer node after a first intelligent contract is triggered, and the life cycle state of the accounts receivable bill is updated to a state of accounts receivable.

Further, the step S3 specifically includes the following steps:

step S31: the seller node verifies the signature of the buyer node and confirms the transaction content and the receivable amount in the receivable bill, then delivers the transaction content and the receivable amount to the buyer node, and uploads the consignment contract signature to the Oracle node;

step S32: the Oracle node verifies the consignment contract uploaded by the seller node, the seller node fills in a delivery certificate field in the bill of the receivable account by using the consignment contract which passes the verification of the Oracle node, and the delivery certificate field is signed and then issued to the block chain;

step S33: the buyer node verifies the signature of the seller node and confirms a delivery voucher field in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, the receivable bill is issued into the block chain, the first intelligent contract updates the content in the receivable bill according to the shipping contract, the receivable bill is transferred to the seller node, and the life cycle state of the receivable bill is updated to be in a receivable state.

Further, the step S4 specifically includes the following steps:

step S41: the seller node and the policy holder node reach a policy agreement and a liability assignment agreement, and the seller node signs one or more accounts receivable bills and then issues the bills into the block chain;

step S42: the policy holder node verifies the signature and content of the seller node in all accounts receivable bills, transfers the accounts to the seller node, and uploads the transfer record signature to the Oracle node;

step S43: the Oracle node verifies the warranty agreement, the bond transfer agreement and the transfer record, and the warranty provider node fills corresponding contents in the receivable account bill by using the warranty agreement, the bond transfer agreement and the transfer record which pass the Oracle verification, signs and then issues the signed contents to the block chain;

step S44: the seller node verifies the signature of the policy holder node and the related content in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, and the signature is issued to the block chain, the first intelligent contract updates the content in the receivable bill according to the transfer certificate between the policy holder node and the seller node, transfers the receivable bill to the policy holder node, and updates the life cycle state of the receivable bill to a closed state.

Further, the step S5 specifically includes the following steps:

step S51: the policy holder node executes a second intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the signed receivable account bill to the block chain;

step S52: the buyer node verifies the signature of the policy holder node in the receivable account bill, transfers the account to the policy holder node, and uploads the account transfer record signature to the Oracle node;

step S53: the Oracle node verifies the transfer record, the buyer node fills the transfer certificate field in the receivable bill by using the transfer record passing the Oracle node verification, and the transfer certificate field is signed and then issued to the block chain;

step S54: the policy holder node verifies the signature of the buyer node and the transfer voucher field in the receivable bill, the signature is signed on the receivable bill after the verification is passed, the signature is issued to the block chain, the second intelligent contract updates the content in the receivable bill according to the transfer voucher between the buyer node and the policy holder node, the receivable bill is transferred to the buyer node, and the life cycle state of the receivable bill is updated to be in a failure state.

Further, the accounts receivable bill model calculates the cash-out amount using the following formula:

where F denotes the cash deposit amount, a denotes the receivable amount, T denotes the remaining number of days to which accounts are to be due, B denotes the cash deposit rate, and B ═ F (r)_f，r_r，t,r_B)，r_fIndicates no risk interest, r_rRepresenting the reproduction rate, t representing the posting period, r_BRepresenting buyer credit risk interest rates based on blockchain.

In addition, another embodiment of the present invention further provides a block chain-based insurance pool financing system, including:

the identity verification module is used for enabling the buyer node to send the enterprise information to the Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;

the trade management module is used for enabling the buyer node to execute a first intelligent contract for generating an accounts receivable bill on the block chain after the buyer node and the seller node reach a trade contract, the first intelligent contract generates the accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;

the consignment management module is used for the seller node and the buyer node to execute a goods consignment event, and the related information of the goods consignment event is issued to the block chain after signature confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and the life cycle state of the accounts receivable bill is updated to be a state to be received;

the financing management module is used for the seller node and the insurance manager node to execute the insurance pool financing event, and issues the related information signature of the insurance pool financing event to the block chain after the related information signature is confirmed, the first intelligent contract updates the receipt bill based on the uploaded related information of the insurance pool financing event, and updates the life cycle state of the receivable receipt bill to a state of being posted;

and the repayment management module is used for executing a second intelligent contract for cashing accounts receivable by the payers on the block chain by the payers node, executing a repayment event by the buyer node and the payers node, and uploading the signature of the relevant information of the repayment event to the block chain after confirming the signature, wherein the second intelligent contract updates the account receivable bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the account receivable bill to be a failure state.

In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.

In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for performing a pool financing based on a blockchain, the computer program, when executed on a computer, performing the steps of the method as described above.

The invention has the following effects:

according to the block chain-based insurance pool financing method, the intelligent contract technology based on the block chain realizes the automatic execution of the insurance pool financing service, improves the supply chain financing efficiency, reduces the manpower and material resource cost, reduces the financing risk of the insurance manager, and realizes faster, safer and more reliable insurance pool financing. Moreover, the application of the block chain technology accurately records the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, and once a problem occurs in a transaction link, the source of the problem can be traced very easily, so that the transaction process can be monitored conveniently. More importantly, the life cycle state and the state transfer process of the receivable bills are reasonably designed, so that the digital cochain of the receivable bills is realized, the life cycle state of the receivable bills is continuously updated according to the progress of the financing business process of the insurance policy pool, the receivable bills are correspondingly transferred among all the nodes, the automatic transfer of the receivable bills in the block chain network is facilitated, the trust degree of all the nodes in the financing process is enhanced, and the financing efficiency is improved.

In addition, the block chain-based insurance pool financing system, the block chain-based insurance pool financing equipment and the computer-readable storage medium have the advantages.

In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:

fig. 1 is a schematic diagram of a service flow of a conventional insurance pool financing service.

Fig. 2 is a flow chart of a block chain-based warranty pool financing method according to a preferred embodiment of the present invention.

Fig. 3 is a sub-flowchart of step S3 in fig. 2.

Fig. 4 is a sub-flowchart of step S4 in fig. 2.

Fig. 5 is a sub-flowchart of step S5 in fig. 2.

Fig. 6 is a schematic block diagram of a block chain-based insurance pool financing system according to another embodiment of the present invention.

Detailed Description

The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.

As shown in fig. 2, a preferred embodiment of the present invention provides a block chain-based insurance pool financing method, which includes the following steps:

step S1: the buyer node sends the enterprise information to an Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;

step S2: after the buyer node and the seller node reach a trade contract, the buyer node executes a first intelligent contract for generating an accounts receivable bill on the block chain, the first intelligent contract generates an accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;

step S3: the seller node and the buyer node execute the goods consignment event, and release the related information signature of the goods consignment event into the block chain after confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and updates the life cycle state of the accounts receivable bill to a state to be received;

step S4: the method comprises the following steps that a seller node and a warranty manager node execute a warranty pool financing event, sign and confirm related information of the warranty pool financing event and then issue the related information into a block chain, a first intelligent contract updates an account receipt bill based on the uploaded related information of the warranty pool financing event, and the life cycle state of the account receipt bill is updated to be a closed state;

step S5: and the second intelligent contract updates the receipt bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the receivable bill to be a failure state.

It can be understood that, in the block chain-based insurance pool financing method of this embodiment, the block chain-based intelligent contract technology realizes the automatic execution of the insurance pool financing service, improves the supply chain financing efficiency, reduces the manpower and material resource costs, reduces the financing risk of the insurance manager, and realizes more rapid, safe and reliable insurance pool financing. Moreover, the application of the block chain technology accurately records the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, and once a problem occurs in a transaction link, the source of the problem can be traced very easily, so that the transaction process can be monitored conveniently. More importantly, the life cycle state and the state transfer process of the receivable bills are reasonably designed, so that the digital cochain of the receivable bills is realized, the life cycle state of the receivable bills is continuously updated according to the progress of the financing business process of the insurance policy pool, the receivable bills are correspondingly transferred among all the nodes, the automatic transfer of the receivable bills in the block chain network is facilitated, the trust degree of all the nodes in the financing process is enhanced, and the financing efficiency is improved.

It is understood that in step S1, the buyer node (i.e. the enterprise downstream in the supply chain) sends enterprise information such as enterprise name, enterprise address, organization code or credit code to the Oracle node, and the Oracle node verifies the enterprise information uploaded by the buyer node, generates a credit investigation report of the first party node after confirming that the enterprise information is true, signs the credit investigation report with the private key, and then issues the credit investigation report into the blockchain. The Oracle node is a platform for providing external information, can allow the block chain to be connected to any existing API interface, and can import, store and export information related to the network node on the block chain, thereby realizing dynamic acquisition of the information.

It is understood that the step S2 specifically includes the following steps:

after the buyer node and the seller node reach a trade contract, the buyer node issues enterprise information and a trade contract which pass the verification of the Oracle node into a block chain after being signed by a private key, and generates an accounts receivable bill according to the enterprise information, the trade contract and a preset accounts receivable bill model uploaded by the buyer node after a first intelligent contract is triggered, and the life cycle state of the accounts receivable bill is updated to a state of accounts receivable.

It can be understood that the bill model design is a premise for realizing the status transfer and the life cycle of accounts receivable bills, and the account receivable bill model based on the block chain not only needs to meet the requirement of chaining digital asset information, embody the real financing business process of a warranty pool, but also needs to accurately represent the status and the current attribution of accounts receivable bills in the life cycle. Thus, the accounts receivable ticket model in the present invention includes the following: payer, enterprise information, document number, payee, transaction content, amount due for receipt, payment date, delivery voucher, warrant, service number of warrant pool, warrant content, cash rate, cash amount, total cash amount, transfer voucher, current holder, remaining due days, life cycle status. Wherein, the payer refers to a buyer in the transaction, namely a supply chain downstream enterprise; the enterprise information refers to enterprise information required to be provided by the buyer enterprise; the receipt number is the number of the receivable bill and is determined according to the times of generating receivable accounts by the buyer; the payee is the seller or the reseller who receives the accounts receivable, and this field is in agreement with the current holder field of the accounts receivable; the transaction content is a trade contract which is achieved by the buyer and the seller; the receivable amount is the amount that the buyer should pay in order to redeem the receivable note; the payment date is the date agreed by the buyer to pay accounts receivable; the delivery voucher is a voucher provided by the seller to the buyer and indicating that delivery has been made, and is generally a shipping contract; the policy holder provides a mechanism for financing the policy pool for accounts receivable, and accounts receivable without entering the policy pool do not fill the field; the service number of the insurance keeping pool is a uniform number owned by all accounts receivable in the same insurance keeping pool financing service, and accounts receivable not entering the insurance keeping pool do not fill in the field; the insurance policy content is the insurance policy agreement and the debt right transfer agreement between the seller and the insurance manager, and the field is not filled with the account receivable payment which does not enter the insurance policy pool; the discount rate is the discount rate of accounts receivable given by the warranty provider, and accounts receivable not entering the warranty pool do not fill in the field; the cash-out amount is the cash-out amount of the receivable accounts, and the receivable accounts which do not enter the insurance keeping pool do not fill in the field; the total cash withdrawal amount is the total amount of all accounts receivable cash withdrawals financed by the insurance policy pool, whether the amount of the field is the same as that of the cash withdrawal amount field of the bill depends on whether the cash withdrawal of a plurality of accounts receivable is carried out at the same time, and the accounts receivable not entering the insurance policy pool do not fill the field; the transfer certificate is a transfer record which is provided by a buyer to a seller, a policyholder to the seller, mutually provided among the policyholder and provided by the buyer to the policyholder and used for posting or cashing accounts receivable, and the field can contain a plurality of transfer certificates; the current holder is the current holder of accounts receivable; the remaining expiration days are the remaining days from the redemption of the receivable by the buyer; the lifecycle state is the state that accounts receivable are currently in their lifecycle. The accounts receivable bill is subjected to a payable state, a receivable state, a cash-out state and a failure state from production to cashing, so that a complete life cycle is formed, and meanwhile, the state transition is deduced by several actions of generation, transaction, deposit and repayment, for example, the accounts receivable bill generated by a buyer is in the payable state; after the buyer and the seller reach the transaction, the accounts receivable bill held by the seller is in the state of accounts receivable; is posted by the seller and accounts receivable tickets transferred between the warranty providers are in a posted state; after the buyer repays the deposit to the policy holder, the recovered accounts receivable bill is in a failure state. The two fields of the payer and the document number can uniquely identify the receivable bill, the specific state of the receivable bill can be determined through the two fields of the current holder and the life cycle state, the rest fields are expressed in different aspects corresponding to the attribute of the receivable bill, and digital conversion of the receivable bill is realized through the bill model.

Wherein, the accounts receivable bill model specifically adopts the following formula to calculate the cash-out amount:

where F denotes the cash deposit amount, a denotes the receivable amount, T denotes the remaining number of days to which accounts are to be due, B denotes the cash deposit rate, and B ═ F (r)_f，r_r，t,r_B)，r_fIndicates no risk interest, r_rRepresenting the reproduction rate, t representing the posting period, r_BRepresenting buyer credit risk interest rates based on blockchain.

The receivable account cash registering is a key link for fund withdrawal of sellers in the financing business of the insurance policy pool, and the default risk of the buyers is taken as an important calculation index and can be incorporated into a pricing model of the cash registering rate. In the block chain-based warranty pool financing method, the enterprise information, the transaction content and other key information of the buyer enterprise are accurately and irrevocably recorded in the receivable bill model, and the use of the intelligent contract technology also ensures the automatic execution of the receivable cash redemption, so that the default risk of the buyer enterprise and the investment risk of a warranty are greatly reduced, meanwhile, the liquidity of the receivable cash is relatively enhanced, and the discount rate is comprehensively evaluated by adopting four indexes of risk-free rate, reappearance rate, discount period and buyer credit risk rate, and the pricing of the discount rate is more reasonable and fair.

In addition, it can be understood that the block chain account book of the block chain is optimally designed based on the financing service of the insurance pool, and the block chain account book comprises two components: world state and blockchain. The world state is a database which is used for storing a set of current states of the accounts, namely the condition that all the accounts hold accounts which should be charged; and the blockchain is a transaction log that records all changes that contribute to the current world state, i.e., the flow records of accounts receivable between all accounts. Transactions recorded in the blockchain change the state of certain accounts, and thus change the world state of the ledger.

It can be understood that, as shown in fig. 3, the step S3 specifically includes the following steps:

step S31: the seller node verifies the signature of the buyer node and confirms the transaction content and the receivable amount in the receivable bill, then delivers the transaction content and the receivable amount to the buyer node, and uploads the consignment contract signature to the Oracle node;

step S32: the Oracle node verifies the consignment contract uploaded by the seller node, the seller node fills in a delivery certificate field in the bill of the receivable account by using the consignment contract which passes the verification of the Oracle node, and the delivery certificate field is signed and then issued to the block chain;

step S33: the buyer node verifies the signature of the seller node and confirms a delivery voucher field in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, the receivable bill is issued into the block chain, the first intelligent contract updates the content in the receivable bill according to the shipping contract, the receivable bill is transferred to the seller node, and the life cycle state of the receivable bill is updated to be in a receivable state.

It can be understood that, as shown in fig. 4, the step S4 specifically includes the following steps:

step S41: the seller node and the policy holder node reach a policy agreement and a liability assignment agreement, and the seller node signs one or more accounts receivable bills and then issues the bills into the block chain;

step S42: the policy holder node verifies the signature and content of the seller node in all accounts receivable bills, transfers the accounts to the seller node, and uploads the transfer record signature to the Oracle node;

step S43: the Oracle node verifies the warranty agreement, the bond transfer agreement and the transfer record, and the warranty provider node fills corresponding contents in the receivable account bill by using the warranty agreement, the bond transfer agreement and the transfer record which pass the Oracle verification, signs and then issues the signed contents to the block chain;

step S44: the seller node verifies the signature of the policy holder node and the related content in the receivable bill, the signature is carried out on the receivable bill after the verification is passed, and the signature is issued to the block chain, the first intelligent contract updates the content in the receivable bill according to the transfer certificate between the policy holder node and the seller node, transfers the receivable bill to the policy holder node, and updates the life cycle state of the receivable bill to a closed state.

It can be understood that, as shown in fig. 5, the step S5 specifically includes the following steps:

step S51: the policy holder node executes a second intelligent contract for cashing receivable accounts, signs the receivable account bill and then issues the signed receivable account bill to the block chain;

step S52: the buyer node verifies the signature of the policy holder node in the receivable account bill, transfers the account to the policy holder node, and uploads the account transfer record signature to the Oracle node;

step S53: the Oracle node verifies the transfer record, the buyer node fills the transfer certificate field in the receivable bill by using the transfer record passing the Oracle node verification, and the transfer certificate field is signed and then issued to the block chain;

step S54: the policy holder node verifies the signature of the buyer node and the transfer voucher field in the receivable bill, the signature is signed on the receivable bill after the verification is passed, the signature is issued to the block chain, the second intelligent contract updates the content in the receivable bill according to the transfer voucher between the buyer node and the policy holder node, the receivable bill is transferred to the buyer node, and the life cycle state of the receivable bill is updated to be in a failure state.

In addition, as shown in fig. 6, another embodiment of the present invention further provides a block chain-based insurance pool financing system, which preferably adopts the block chain-based insurance pool financing method described above, and the system includes:

the identity verification module is used for enabling the buyer node to send the enterprise information to the Oracle node, and the Oracle node generates a credit investigation report after verifying that the enterprise information is true, signs the report by using a private key and issues the report to the block chain;

the trade management module is used for enabling the buyer node to execute a first intelligent contract for generating an accounts receivable bill on the block chain after the buyer node and the seller node reach a trade contract, the first intelligent contract generates the accounts receivable bill based on information uploaded by the buyer node and a preset accounts receivable bill model, and the life cycle state of the accounts receivable bill is updated to a payable state;

the consignment management module is used for the seller node and the buyer node to execute a goods consignment event, and the related information of the goods consignment event is issued to the block chain after signature confirmation, the first intelligent contract updates the generated accounts receivable bill based on the uploaded related information of the goods consignment event, and the life cycle state of the accounts receivable bill is updated to be a state to be received;

the financing management module is used for the seller node and the insurance manager node to execute the insurance pool financing event, and issues the related information signature of the insurance pool financing event to the block chain after the related information signature is confirmed, the first intelligent contract updates the receipt bill based on the uploaded related information of the insurance pool financing event, and updates the life cycle state of the receivable receipt bill to a state of being posted;

and the repayment management module is used for executing a second intelligent contract for cashing accounts receivable by the payers on the block chain by the payers node, executing a repayment event by the buyer node and the payers node, and uploading the signature of the relevant information of the repayment event to the block chain after confirming the signature, wherein the second intelligent contract updates the account receivable bill based on the uploaded relevant information of the repayment event, and updates the life cycle state of the account receivable bill to be a failure state.

It can be understood that, in the block chain-based insurance pool financing system of this embodiment, the intelligent contract technology based on the block chain realizes the automatic execution of the insurance pool financing service, improves the supply chain financing efficiency, reduces the manpower and material resource costs, reduces the financing risk of the insurance manager, and realizes more rapid, safe and reliable insurance pool financing. Moreover, the application of the block chain technology accurately records the transaction information of all the participants on the chain, and ensures that the information cannot be falsified, and once a problem occurs in a transaction link, the source of the problem can be traced very easily, so that the transaction process can be monitored conveniently. More importantly, the life cycle state and the state transfer process of the receivable bills are reasonably designed, so that the digital cochain of the receivable bills is realized, the life cycle state of the receivable bills is continuously updated according to the progress of the financing business process of the insurance policy pool, the receivable bills are correspondingly transferred among all the nodes, the automatic transfer of the receivable bills in the block chain network is facilitated, the trust degree of all the nodes in the financing process is enhanced, and the financing efficiency is improved.

In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.

In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for performing a pool financing based on a blockchain, the computer program, when executed on a computer, performing the steps of the method as described above.

Typical forms of computer-readable storage media include: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any of its magnetic media, CD-ROM, any of the other optical media, punch cards (punch cards), paper tape (paper tape), any of the other physical media with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any of the other memory chips or cartridges, or any of the other media from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.

The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.