Invoice financing has been a steadily growing component of the financing market as a whole for the last few years, and, in 2016, it became the third largest financing market. Nonetheless, the risk of frauds is still very high, and most solutions proposed so far are based on private, proprietary platforms that cannot match the global nature of such a market. Even the most recent proposals based on blockchain are mainly adopting a private, permissioned blockchain due to the lack of confidentiality in public blockchain. In this article, we propose an Invoice financing platform based on a public blockchain supporting both fully open and group-restricted auctioning of invoices. We addressed the confidentiality issue by storing the confidential data encrypted in IPFS and the corresponding hash in the smart contract hosted on Ethereum blockchain. Our blockchain-based solution ensures data confidentiality and benefits from the main properties of the public blockchain required in Invoice financing systems, such as transparency, immutability, trustworthiness, and security. Furthermore, our platform introduces a reputation system based on the past behavior of entities, computed using the blockchain global ledger. Such a reputation system allows insurance companies to modulate the cost of the insurance contracts they offer. This combination guarantees the complete transparency and tamperproofness of a public blockchain, while it allows reducing insurance costs and fraud possibilities.

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一种基于区块链的防欺诈发票融资解决方案

过去几年，发票融资一直是整个融资市场的一个稳步增长的组成部分，并于 2016 年成为第三大融资市场。尽管如此，欺诈的风险仍然很高，迄今为止提出的大多数解决方案都是基于私有的、专有的平台，无法匹配这样一个市场的全球性质。由于公共区块链缺乏保密性，即使是基于区块链的最新提案也主要采用私有的、许可的区块链。在本文中，我们提出了一个基于公共区块链的发票融资平台，支持完全开放和组限制的发票拍卖。我们通过存储在 IPFS 中加密的机密数据和托管在以太坊区块链上的智能合约中的相应哈希来解决机密性问题。我们基于区块链的解决方案可确保数据机密性并受益于发票融资系统所需的公共区块链的主要属性，例如透明度、不变性、可信度和安全性。此外，我们的平台引入了一个基于实体过去行为的声誉系统，使用区块链全球分类账计算。这种声誉系统允许保险公司调整他们提供的保险合同的成本。这种组合保证了公共区块链的完全透明和防篡改，同时可以降低保险成本和欺诈的可能性。和安全。此外，我们的平台引入了一个基于实体过去行为的声誉系统，使用区块链全球分类账计算。这种声誉系统允许保险公司调整他们提供的保险合同的成本。这种组合保证了公共区块链的完全透明和防篡改，同时可以降低保险成本和欺诈的可能性。和安全。此外，我们的平台引入了一个基于实体过去行为的声誉系统，使用区块链全球分类账计算。这种声誉系统允许保险公司调整他们提供的保险合同的成本。这种组合保证了公共区块链的完全透明和防篡改，同时可以降低保险成本和欺诈的可能性。