摘要：【中文】本发明涉及基于区块链技术的数字银行实现方法及系统，包括：获取资金需求方发布的经过审核通过的资金需求项目信息，记录在系统区块链上；获取资金提供方为资金提供方现金账户分配的可供支配投资资金信息，记录在系统区块链上；在可供支配投资资金满足资金需求项目的需求时，为资金需求项目分配资金；向提供资金的各资金提供方用户的债权权益账户发放与债权权益；在资金需求项目到期时，兑付债权权益，现金交易和债权权益转移信息均记录在系统区块链上。本发明为资金提供方提供可靠、稳健的投资渠道和风险监管平台，为资金需求方提供低成本资金，降低商业资金成本、金融风险和资本管理风险，打造符合现代行业发展的数字银行系统，促进实业发展。 【EN】The invention relates to a method and a system for realizing a digital bank based on a block chain technology, comprising the following steps: acquiring approved fund demand project information issued by a fund demand party, and recording the approved fund demand project information on a system block chain; acquiring available investment fund information allocated by a fund provider for a cash account of the fund provider, and recording the available investment fund information on a system block chain; when the available investment funds meet the requirements of the fund demand items, allocating funds for the fund demand items; issuing and crediting creditor equity to creditor equity accounts of funding provider users; when the fund demand item expires, the cash transaction and the transfer information of the bond equity are recorded on the system block chain. The invention provides a reliable and steady investment channel and a risk supervision platform for a fund provider, provides low-cost fund for a fund demander, reduces the cost of commercial fund, financial risk and capital management risk, builds a digital bank system which accords with the development of the modern industry, and promotes the development of the actual industry.

摘要：【中文】本发明涉及一种基于区块链的债权流转方法及系统，基于可信的实际债务关系，在系统区块链上发行相应数量的债权通证；在债务到期或到达偿还时间点时，系统回收债权通证，并将与债权通证等值的法定货币转入系统区块链上的债权人账户；在债务未到期时，债务人在系统区块链上发行基于债权通证的股权通证；兑付股权通证。通过采用债权通证和股权通证同时使用的双通证流通系统，同时基于区块链构建的系统具有数据不可篡改、不可抵赖、交易公开透明的特点，能够忠实记录债务关系和股权分红权益的分配情况，结合可自动执行的智能合约，保障债权人和股权人的权益，且能够为债权人提供有效的数据安全保障和隐私保护。 【EN】The invention relates to a creditor transfer method and a system based on a block chain, which are characterized in that creditor pass certificates with corresponding quantity are issued on the block chain of the system based on credible actual creditor relationship; when the debt is due or the repayment time point is reached, the system recovers the debt right permit and transfers legal currency equivalent to the debt right permit into a debtor account on the system block chain; when the debt is not due, the debtor issues a equity pass based on the equity pass on a system blockchain; and paying the stock right certificate. By adopting the double-certification circulation system with the simultaneous use of the debt and stock right certificates, the system constructed based on the block chain has the characteristics of data non-falsification, non-repudiation and public and transparent transaction, can faithfully record the distribution condition of debt relation and stock right dividend equity, guarantees the equity of a debt and a stock right person by combining with an intelligent contract which can be automatically executed, and can provide effective data security guarantee and privacy protection for the debt and the stock right person.

摘要：【中文】本发明涉及一种基于区块链的商品防伪及流通管理方法，其实现方法如下：由生产厂商或有销售权限的代销方在区块链上使用其已经注册的身份，提交商品Token所需的相关信息，对商品Token数据进行签名，完成区块链上的商品注册；商品在持有人需要发生变更时，在区块链上进行对应商品Token的流转：由出让人将区块链上商品Token的持有人变更为受让人，并由出让人对变更后的数据进行签名并记录上链；如商品持有人变更时，出让人未能持有对应的商品Token，则流转无法继续；利用区块链技术，将每一件流转的商品和链上的商品Token一一对应，商品的销售流转过程，对应着链上的Token流转过程，从商品流通的行为管理角度，有效的遏制和制止商品制假和售假。 【EN】The invention relates to a commodity anti-counterfeiting and circulation management method based on a block chain, which comprises the following steps: using the registered identity on the blockchain by a manufacturer or a reseller with sales authority, submitting related information required by the commodity Token, signing the data of the commodity Token, and completing commodity registration on the blockchain; when the holder needs to change the commodity, the circulation of the corresponding commodity Token is carried out on the block chain: changing the holder of the commodity Token on the block chain into an assignee by the assignee, signing the changed data by the assignee and recording the uplink; if the commodity holder changes and the exporter cannot hold the corresponding commodity Token, the circulation cannot be continued; by utilizing the block chain technology, each piece of circulated commodity corresponds to the commodity Token on the chain one by one, the sales circulation process of the commodity corresponds to the Token circulation process on the chain, and the counterfeit goods making and selling are effectively restrained and stopped from the aspect of the behavior management of commodity circulation.