CN-114930372-B - Method and apparatus for facilitating financing of split notes

CN114930372BCN 114930372 BCN114930372 BCN 114930372BCN-114930372-B

Abstract

Methods, apparatus, and devices, including computer programs stored on computer-readable media, for facilitating financing of split notes are disclosed herein. One method includes recording a public key ring including a plurality of public keys of a plurality of users, recording a ticket token including an initial ticket value commitment of an initial ticket value, receiving a first transaction signed using the public key ring, the first transaction including a first loan commitment of a first loan value, a first updated ticket value commitment of a first updated ticket value, and a first range attestation for attesting that the first loan value is less than or equal to the initial ticket value, and, in response to determining that the first transaction is valid, replacing the initial ticket value commitment recorded for the ticket token with the first updated ticket value commitment.

Inventors

CAO SHENGJIAO
YUAN YUAN
FANG HUI
YANG WEITAO

Assignees

蚂蚁链技术有限公司
支付宝实验室(新加坡)有限公司

Dates

Publication Date: 20260421
Application Date: 20201226
Priority Date: 20201226

Claims (15)

1. A computer-implemented method for facilitating split ticket financing, the method comprising: Recording a public key ring comprising a plurality of public keys of a plurality of funds providers; Recording a ticket token, wherein the ticket token comprises an initial ticket value promise of an initial ticket value; Receiving a first transaction, the signature of the first transaction being a ring signature signed by a first funds provider of the plurality of funds providers based on its private key and the public key ring, the first transaction including a first loan commitment of a first loan value, a first updated ticket value commitment of a first updated ticket value, and a first range certificate for proving that the first loan value is less than or equal to the initial ticket value, and Verifying the ring signature using the public key ring, after verification passes, replacing the initial ticket value commitment recorded for the ticket token with the first updated ticket value commitment in response to determining that the first transaction is valid based on the first loan commitment, the first updated ticket value commitment, the initial ticket value commitment, and the first scope proof.
2. The method of claim 1, wherein the method is performed by one or more nodes in a blockchain system.
3. The method of claim 1, further comprising: Determining that the first transaction is valid when: The first transaction is signed by one of the plurality of users using the public key ring, the first range proves acceptable, and A predetermined algebraic relationship between the initial ticket value promise, the first loan promise, and the first updated ticket value promise holds.
4. A method according to claim 3, further comprising one of: Reporting an error in response to determining that the first transaction was not signed by a user of the plurality of users using the public key ring; reporting an error in response to determining that the first range attestation fails to attest that the first loan value is less than or equal to the initial ticket value, or In response to determining that the predetermined algebraic relationship between the initial ticket value promise, the first loan promise, and the first updated ticket value promise does not hold, an error is reported.
5. The method of any of claims 3-4, wherein the predetermined algebraic relation represents that the initial ticket value commitment minus the first loan commitment equals the first updated ticket value commitment.
6. The method of any of claims 3-4, wherein the predetermined algebraic relation represents the initial ticket value promise divided by the first loan promise equal to the first updated ticket value promise.
7. The method of claim 1, wherein the first scope proof is a zero knowledge scope proof for proving that the first loan value is less than or equal to the initial ticket value without revealing the first loan value.
8. The method of claim 1, wherein the commitment is a petderson commitment.
9. The method of claim 1, further comprising: Receiving a second transaction, the second transaction signed using the public key ring, the second transaction including a second loan promise for a second loan value, a second updated instrument value promise for a second updated instrument value, and a second range certificate for proving that the second loan value is less than or equal to the first updated instrument value, and In response to determining that the second transaction is valid based on the second loan commitment, the second updated ticket value commitment, and the second scope proof, replacing the first updated ticket value commitment recorded for the ticket token with the second updated ticket value commitment.
10. The method of claim 9, further comprising: determining that the second transaction is valid when: the second transaction is signed by one of the plurality of users using the public key ring, the second range proving acceptable, and A predetermined algebraic relationship between the first updated ticket value promise, the second loan promise, and the second updated ticket value promise holds.
11. The method of any of claims 9-10, wherein the second scope proof is a zero knowledge scope proof for proving that the second loan value is less than or equal to the first updated ticket value without revealing the second loan value.
12. The method of claim 1, wherein the plurality of users comprises a plurality of ticket financing providers.
13. A computer-implemented apparatus for facilitating split ticket financing, comprising: One or more processors, and One or more computer-readable memories coupled to the one or more processors and having instructions stored thereon, the instructions being executable by the one or more processors to perform the method of any of claims 1-12.
14. An apparatus for facilitating financing of split notes, the apparatus comprising a plurality of modules for performing the method of any one of claims 1 to 12.
15. A non-transitory computer readable medium having instructions stored therein, which when executed by a processor of a device, cause the device to perform the method of any of claims 1 to 12.

Description

Method and apparatus for facilitating financing of split notes Technical Field The present specification relates generally to computer technology and, more particularly, to a method and apparatus for facilitating financing of split notes. Background Bill financing (invoice financing) is one way for an enterprise to borrow receivables (including, for example, receivables). Bill financing can help businesses improve cash flow, pay employees and suppliers, and can re-invest in operations and growth earlier than businesses must wait until the customer pays the balance at full. In some cases, the enterprise may choose or may need to split the bill financing. For example, if an enterprise can only obtain bill financing for a partial amount (i.e., less than the total amount) noted on a bill from a bank, then the enterprise may attempt to obtain additional bill financing from one or more other banks for some or all of the remaining amount. Banks involved in these situations may wish to ensure that the financing they provide can be vouched for through the ticket. However, such a determination may be difficult for banks because they may be reluctant to share their financial information. Disclosure of Invention In one aspect, a computer-implemented method for facilitating split instrument financing includes recording a public key ring comprising a plurality of public keys of a plurality of users, recording an instrument token comprising an initial instrument value commitment of an initial instrument value, receiving a first transaction signed using the public key ring, the first transaction comprising a first loan commitment of a first loan value, a first updated instrument value commitment of a first updated instrument value, and a first range proof for proving that the first loan value is less than or equal to the initial instrument value, and replacing the initial instrument value commitment for the instrument token record with the first updated instrument value in response to determining that the first transaction is valid based on the first loan commitment, the first updated instrument value commitment, and the first range proof. In another aspect, an apparatus for facilitating split instrument financing includes one or more processors, one or more computer-readable memories coupled to the one or more processors and having instructions stored thereon that are executable by the one or more processors to record a public key ring comprising a plurality of public keys of a plurality of users, record an instrument token comprising an initial instrument value commitment of an initial instrument value, receive a first transaction signed using the public key ring, the first transaction comprising a first loan commitment of a first loan value, a first updated instrument value commitment of a first updated instrument value, and a first range proof for proving that the first loan value is less than or equal to the initial instrument value, and replace the initial instrument value commitment recorded for the instrument with the first updated instrument value commitment in response to determining that the first transaction is valid based on the first loan commitment, the first updated instrument value commitment, and the first range proof. In yet another aspect, a non-transitory computer readable medium has instructions stored therein that, when executed by a processor of a device, cause the device to perform a method for facilitating split ticket financing. The method includes recording a public key ring including a plurality of public keys of a plurality of users, recording a ticket token including an initial ticket value commitment of an initial ticket value, receiving a first transaction signed using the public key ring, the first transaction including a first loan commitment of a first loan value, a first updated ticket value commitment of a first updated ticket value, and a first range proof for proving that the first loan value is less than or equal to the initial ticket value, and replacing the initial ticket value commitment recorded for the ticket token with the first updated ticket value commitment in response to determining that the first transaction is valid based on the first commitment, the first updated ticket value commitment, and the first range proof. Drawings The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments. In the following description with reference to the drawings, the same reference numerals in different drawings denote the same or similar elements unless otherwise indicated. FIG. 1 is a schematic diagram of a blockchain system in accordance with embodiments. FIG. 2 is a schematic diagram of a computing device for implementing nodes in a blockchain system in accordance with embodiments. Fig. 3 is a flow diagram of a method for facilitating financing of split notes, according to an embodiment. Fig. 4 is a flow diagram of a method fo