CN114708102A - A method and system for splitting financial bills based on computable NFT - Google Patents

Abstract

The present invention discloses a method and system for splitting financial bills based on computable NFT. The method includes: in response to a transaction request, issuing an electronic payment commitment bill for a supplier, and creating a virtual payment commitment bill corresponding to the payment commitment bill. token; the virtual token is a computable NFT; in response to the transfer request initiated by the supplier, split the virtual token corresponding to the payment commitment note, so that the supplier can The said payment commitment note is transferred. The invention starts from the dimension of asset issuance, and uses supply chain finance as digital assets to issue in the blockchain; the application of computational NFT on the supply chain platform, and the bills as virtual assets, so that the bills on the platform can be exchanged, and the receipts can also be collected. The non-homogeneous token of the creditor's rights, such as bills, is split or merged when part of the transfer is carried out, which meets various transaction needs.

Description

A method and system for splitting financial bills based on computable NFT

technical field

The invention relates to the field of supply chain financial transactions, in particular to a method and system for splitting financial bills based on computable NFT.

Background technique

The supply chain financial platform refers to that the bank manages the capital flow, logistics and information flow of upstream and downstream small and medium-sized enterprises around the core enterprise, and transforms the uncontrollable risk of a single enterprise into the controllable risk of the supply chain enterprise as a whole. information to minimize risk in financial services. However, the existing bank management methods generally only store certificates in the blockchain, but fail to split and transfer the non-homogeneous certificates of creditor's rights such as bills receivable.

SUMMARY OF THE INVENTION

In order to overcome the deficiencies of the prior art, one of the purposes of the present invention is to provide a financial bill splitting method based on computable NFT, which can improve transaction flexibility and meet different transaction requirements.

Another object of the present invention is to provide a financial instrument splitting system that implements the above method.

A third object of the present invention is to provide an electronic device.

The fourth object of the present invention is to provide a computer-readable storage medium.

One of the objects of the present invention adopts the following technical scheme to realize:

A method for splitting financial bills based on computable NFTs, including:

Issue an electronic payment promise note for the supplier in response to the transaction request, and create a virtual token corresponding to the payment promise note; the virtual token is a computable NFT;

In response to the transfer request initiated by the supplier, the virtual token corresponding to the payment commitment note is split, so that the supplier transfers the split payment promise note.

Further, the transaction request is initiated by a core enterprise; when the core enterprise initiates the transaction request, it further includes:

Acquire the account information of the core enterprise to determine whether the core enterprise has been granted credit by the bank, and only respond to the transaction request initiated by the core enterprise that has been granted credit.

Further, before initiating a transfer request, the supplier needs to sign the payment commitment note issued by the core enterprise, so that the creditor's rights are transferred to the supplier and a transfer request for the creditor's rights is initiated.

Further, when the payment commitment note is issued, the corresponding transaction quota is switched to the pre-occupied state according to the contract amount; the transaction quota is converted to the officially occupied state after the supplier performs the signing operation.

Further, the transfer request includes a partial transfer request and a batch transfer request.

Further, after the payment commitment bill is split, it also includes:

Store the split bills on the blockchain to save as data resources;

In response to the query request, the ticket is obtained from the blockchain to realize the verification function.

Further, it also includes:

In response to the merge request initiated by the supplier, the specified payment promise notes are merged, so that the supplier transfers the merged payment promise notes.

The second purpose of the present invention adopts the following technical scheme to realize:

A computable NFT-based financial bill processing system, performing the above-mentioned computable NFT-based financial bill splitting method, the system includes:

The minting module is used to create a virtual token corresponding to the payment commitment note; the virtual token is a computable NFT;

A bill splitting module, used for splitting the virtual tokens corresponding to the payment commitment bills;

a bill merging module, used for merging the virtual tokens corresponding to the payment commitment bills;

The bill transaction module is used to transfer the split or merged payment commitment bill to the designated transferee to complete the bill transaction.

The third purpose of the present invention adopts the following technical scheme to realize:

An electronic device comprising a processor, a memory and a computer program stored on the memory and running on the processor, when the processor executes the computer program, the above-mentioned computable NFT-based financial services are realized Bill splitting method.

The fourth purpose of the present invention adopts the following technical scheme to realize:

A computer-readable storage medium on which a computer program is stored, and when the computer program is executed, implements the above-mentioned computable NFT-based financial bill splitting method.

Compared with the prior art, the beneficial effects of the present invention are:

The present invention starts from the dimension of asset issuance, and uses supply chain finance as digital assets to issue on the blockchain; applies computable NFT on the supply chain platform, uses bills as virtual assets, and registers enterprises on the platform, including core enterprises, Suppliers, funders, etc., as long as they have the same attributes, can use the same bills to make the bills on the platform interoperable;

In the computable NFT, enterprises can create their own tokens, and can also split or merge the non-homogeneous tokens of the creditor's rights such as receivable bills when they are partially transferred, which meets various transaction needs; and split or The merged bills are put on the chain as digital assets to avoid the risks brought about by the centralized operation and the platform's own supervision when the traditional supply chain platform's bills receivable are split.

Description of drawings

Fig. 1 is the transaction flow schematic diagram of the supply chain financial platform of the present invention;

2 is a schematic diagram of a transaction module of the supply chain financial platform of the present invention;

FIG. 3 is a schematic block diagram of the financial bill processing system based on the computable NFT of the present invention.

Detailed ways

Hereinafter, the present invention will be further described with reference to the accompanying drawings and specific embodiments. It should be noted that, on the premise of no conflict, the embodiments or technical features described below can be arbitrarily combined to form new embodiments. .

Example 1

This embodiment provides a method for splitting financial bills based on computable NFT, combining blockchain technology on a supply chain financial platform, and avoiding the splitting of bills receivable on traditional supply chain platforms according to the decentralization characteristics of blockchain technology The risks brought by the centralized operation and the platform's own supervision. The split bills are stored on the blockchain, which can be stored and verified as data assets, with ownership and related effects.

Referring to Figure 1 and Figure 2, the splitting method specifically includes the following steps:

Step S1: After the core enterprise obtains credit from the bank, it registers and logs into the account of the supply chain financial platform, and the payment commitment bill can be issued to the downstream suppliers in the supply chain in the platform.

Among them, the core enterprise is the manager, organizer and coordinator of the entire chain. The electronic payment promise note is issued to the supplier only when the core enterprise initiates a transaction request; and the electronic payment promise note is the core enterprise logging in to the core enterprise on the supply chain financial platform after the core enterprise signs the relevant contract with the supplier. Account number, the amount provided to the supplier for financing or transfer based on the contract amount.

When the core enterprise initiates the transaction request, the account information of the core enterprise can also be re-acquired to determine whether the core enterprise has been granted credit by the bank to ensure that the operation is correct; the supply chain financial platform in this embodiment also only Respond to a transaction request initiated by the core enterprise that has been authorized.

Step S2: After confirming the issuance of the payment promise note, the platform uses the minting module to issue an electronic payment promise note for the supplier after receiving the transaction request, and creates a virtual token corresponding to the payment promise note; the Virtual tokens are computable NFTs.

The minting module is the SDK toolkit of the supply chain financial platform. When the core enterprise issues a bill, the SDK of the minting module is called, and the smart contract method in the ERC1155 standard is applied at the smart contract layer to create a computable NFT for the transaction. . Wherein, the smart contract method is the minting operation specification in the ERC1155 standard.

The above ERC is the abbreviation of Ethereum Request for Comments (Ethereum Request for Comments), and ERC1155 is the Ethereum Request for Comments No. 1155 proposal, which is an Ethereum token standard. Its main uses include the issuance of homogenized tokens and non- Homogenized tokens.

The computable NFT (Computational Non-fungible Token) refers to an NFT with computability, which includes various calculations including addition and quantity multiplication.

This embodiment applies the computable NFT and ERC1155 standards, and puts quantity as a core attribute in the computable NFT. Therefore, a computable NFT can be either a single, unique NFT, or a collection of several homogeneous NFTs.

Step S3: The supplier logs in to the supply chain financial platform, and performs a receipt operation for the payment commitment bill, so that the creditor's rights corresponding to the bill are transferred to the supplier.

All the quotas generated on the supply chain financial platform will go through two stages of pre-occupancy and formal occupation. When a core company issues a bill, the amount corresponding to the bill is in the pre-occupied state; when the supplier signs the bill, the amount will be converted into a formal occupied state. During this period, no real cash transactions will be generated, but will be realized in the form of a virtual token occupying a quota.

Step S4: The supplier submits a transfer request on the supply chain financial platform, and the transfer request may be a full transfer or a partial transfer; if the supplier submits a full transfer, the creditor's rights are directly transferred to the transferee. If the supplier proposes a partial transfer, the platform uses the bill splitting module to split the corresponding computable NFT, and applies the transfer operation specification in the ERC1155 standard for transfer operations.

When the supplier needs to transfer multiple split partial bills to the transferee, it can also initiate a batch transfer request, that is, to transfer all the split partial bills to the transferee in batches, or transfer a number of specified partial bills in batches. Transfer to the transferee to improve transfer efficiency.

The split bills are put on the chain as digital assets, so that the split bills can be stored in the blockchain; when suppliers, core companies or transferees need to be informed for verification, they can initiate queries through the supply chain financial platform Request, the platform finds the relevant information of the required ticket from the blockchain according to the query request, so as to realize the verification function.

According to the decentralization characteristics of blockchain technology, this embodiment avoids the risks brought by the centralized operation and the supervision of the platform itself when the bills receivable of the traditional supply chain platform is split. The split bills are stored on the blockchain, which can be stored and verified as data assets, with ownership and related effects.

In addition, in addition to splitting the bills, the supplier can also initiate a merge request, that is, to merge the payment promise notes specified by the supplier, so that the supplier can perform a merge request on the merged payment promise notes. transfer.

Step S5: The transferee signs for the transferred creditor's right, and the transferee can continue to transfer the creditor's right, and can also perform operations such as financing.

Embodiment 2

This embodiment provides a computable NFT-based financial bill processing system. The system executes the computable NFT-based financial bill splitting method described in Embodiment 1. As shown in FIG. 3 , the system includes:

The minting module is used to apply the smart contract method in the ERC1155 standard at the smart contract layer to create a virtual token of the accounts receivable corresponding to the payment commitment bill when the core enterprise issues a bill; the virtual token is a computable NFT ; In computable NFT, companies can create their own tokens, which can be merged, split or traded on ERC1155 as a standard asset, which is effective and does not require other attachments to corroborate.

The bill splitting module is used to split the bills receivable when the supplier performs a partial transfer of claims; the bill splitting module in this embodiment splits and transfers the computable NFT generated by the minting module, and also applies the ERC1155 standard The transfer operation specification in .

The bill merging module is used for merging the virtual tokens corresponding to the payment commitment bills when the supplier performs the debt consolidation operation;

The bill transaction module is used to transfer the split or merged payment commitment bill to the designated transferee to realize partial or batch transfer of the supplier's claims, thereby completing the entire bill transaction process.

This embodiment uses computable NFTs to abstract and classify different NFTs, perform "re-homogenization", and use quantity as a core attribute, so that NFTs are computable, flexible and descriptive, and can be very computable. Good for use in bill splitting scenarios.

At the same time, the computable NFT and ERC1155 standards are applied to split the platform's bills receivable, and the split bills are uploaded as digital assets, avoiding the risks caused by centralized algorithms and regulatory issues.

In this embodiment, the computable NFT technology is applied on the supply chain platform, and the bill is used as the standard asset of ERC1155. Enterprises registered on the platform, including core enterprises, suppliers, funders, etc., can use the same attributes as long as they have the same attributes. the bills, making the bills on the platform interoperable.

In some embodiments, there is also provided an electronic device comprising a processor, a memory, and a computer program stored on the memory and executable on the processor, the processor implementing the computer program when executed The financial bill splitting method based on computable NFT in the first embodiment; in addition, this embodiment also provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed, the above-mentioned computable-based Compute the financial paper split method for NFTs.

The device and storage medium in this embodiment and the method in the foregoing embodiment are based on two aspects under the same inventive concept, and the implementation process of the method has been described in detail above, so those skilled in the art can clearly understand from the foregoing description. It is necessary to understand the structure and implementation process of the device and the storage medium in this embodiment, and for the sake of brevity of the description, it will not be repeated here.

The above-mentioned embodiments are only preferred embodiments of the present invention, and cannot be used to limit the scope of protection of the present invention. Any insubstantial changes and substitutions made by those skilled in the art on the basis of the present invention belong to the scope of the present invention. Scope of protection claimed.

Claims (10)

1. A financial instrument splitting method based on computable NFT, is characterized in that, comprises: In response to the transaction request, issue a payment promise note for the supplier, and create a virtual token corresponding to the payment promise note; the virtual token is a computable NFT; In response to the transfer request initiated by the supplier, the virtual token corresponding to the payment commitment note is split, so that the supplier transfers the split payment promise note. 2. The financial instrument splitting method based on computable NFT according to claim 1, wherein the transaction request is initiated by a core enterprise; when the core enterprise initiates the transaction request, the method further comprises: Acquire the account information of the core enterprise to determine whether the core enterprise has been granted credit by the bank, and only respond to the transaction request initiated by the core enterprise that has been granted credit. 3. The method for splitting financial notes based on computable NFTs according to claim 2, wherein the supplier needs to sign the payment commitment note issued by the core enterprise before initiating a transfer request. , so that the claim is transferred to the supplier and a request for transfer of the claim is initiated. 4. The method for splitting financial bills based on computable NFTs according to claim 1, wherein when issuing the payment commitment bill, the corresponding transaction limit is switched to a pre-occupied state according to the contract amount; the transaction limit After the supplier performs the sign-off operation, it is converted to the official occupied state. 5 . The method for splitting financial instruments based on computable NFT according to claim 1 , wherein the transfer request includes a partial transfer request and a batch transfer request. 6 . 6. The method for splitting financial bills based on computable NFTs according to claim 1, characterized in that, after splitting the payment commitment bills, further comprising: Store the split bills on the blockchain to save as data resources; In response to the query request, the ticket is obtained from the blockchain to realize the verification function. 7. The financial instrument splitting method based on computable NFT according to claim 1, characterized in that, further comprising: In response to the merge request initiated by the supplier, the specified payment promise notes are merged, so that the supplier transfers the merged payment promise notes. 8. A computable NFT-based financial bill processing system, characterized in that it executes the computable NFT-based financial bill splitting method according to any one of claims 1 to 7; the system comprises: The minting module is used to create a virtual token corresponding to the payment commitment note; the virtual token is a computable NFT; A bill splitting module, used for splitting the virtual tokens corresponding to the payment commitment bills; a bill merging module, used for merging the virtual tokens corresponding to the payment commitment bills; The bill transaction module is used to transfer the split or merged payment commitment bill to the designated transferee to complete the bill transaction. 9. An electronic device, characterized in that it comprises a processor, a memory and a computer program stored on the memory and running on the processor, and the processor implements the claims when executing the computer program The method for splitting financial bills based on computable NFTs described in any one of 1 to 7. 10 . A computer-readable storage medium, characterized in that a computer program is stored thereon, and when the computer program is executed, the method for splitting a computable NFT-based financial instrument according to any one of claims 1 to 7 is implemented.

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