CN111080435A - Method for performing import approval based on block chain and computer readable storage medium - Google Patents
Method for performing import approval based on block chain and computer readable storage medium Download PDFInfo
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- CN111080435A CN111080435A CN201911210942.1A CN201911210942A CN111080435A CN 111080435 A CN111080435 A CN 111080435A CN 201911210942 A CN201911210942 A CN 201911210942A CN 111080435 A CN111080435 A CN 111080435A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a method for performing import certification based on a block chain and a computer readable storage medium. The method for performing import opening certificate based on the block chain comprehensively utilizes the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature and the identity authentication in the block chain, simplifies the transaction execution process of the import opening certificate, reduces the default and fraud possibility of both import and export parties, solves the trust and risk problems on payment and delivery, improves the trust degree of both transaction parties, reduces the risk born by a bank, improves the security of transaction, reduces the fund occupation, improves the cash flow and realizes faster, safe and reliable trade activities.
Description
Technical Field
The invention relates to the technical field of import opening certificate in trade financing, in particular to a block chain-based import opening certificate method and a computer-readable storage medium.
Background
As shown in fig. 1, import opening is an agreement by which a bank (issuing bank) opens to a foreign exporter (beneficiary) on the request and instruction of the importer (applicant) to ensure that the bank pays the exporter (beneficiary) or accepts a forward payment obligation after receiving a document specified by a letter of credit, which is a conditional bank payment commitment. There are generally two modes for banks to handle the opening certificate for imported enterprises: firstly, the full amount of the deposit is opened, namely, after the enterprise applying for opening the certificate submits the deposit with 100 percent of the opening amount, the bank opens a credit card for the enterprise; and secondly, the bank issues a credit card for the imported enterprise under the condition that the enterprise applying for issuing the certificate does not submit the deposit or the amount of the un-submitted certificate issuing is 100 percent of the deposit. In the process of credit approval, the approval bank mainly earns the approval commission charge. The letter of credit is a kind of bank credit, and the issuing bank has the first payment responsibility; letter of credit is a self-contained legal document independent of the contract; the credit is a pure document service, when the bank processes the credit service, it only needs document and doesn't ask goods, and as long as the document and the document are identical, it must pay.
However, the existing import evidence-making mode has the following problems:
①, credit risks of import and export parties, in the activities of traditional international trade, the import and export parties in import and export certificates may have credit risks and operation risks respectively or the import and export parties are in joint fraud, and trust and risk problems exist in payment and delivery, thus increasing the risk of international trade and having lower transaction security.
② the risk of bank credit is used in the import and export certificate, and once the import and export parties do not perform or have joint fraud, the bank is in a weak position, which brings loss to the bank fund and credit.
③ the credit card involves the opening and verification of a large number of paper documents, which is easy to be forged and falsified, and the paper documents are often sent by mail in the transmission process, which wastes resources and greatly reduces the efficiency of trade activities.
Disclosure of Invention
The invention provides a block chain-based import approval method and a computer-readable storage medium, which are used for solving the technical problems of low transaction security, high bank credit risk and low working efficiency in the existing import approval mode.
According to an aspect of the present invention, there is provided a method for import approval based on blockchain, comprising the steps of:
step S1: deploying trade contracts on the blockchain based on the request of the buyer, and carrying out signature confirmation on the trade contracts by the buyer and the seller on the blockchain;
step S2: generating a letter of credit based on the buyer's request and recording it on the blockchain;
step S3: the seller records the relevant information of the goods export on the block chain and links the information to the letter of credit;
step S4: performing trade payment activity based on a request of a seller, checking related information of a goods outlet and the correlation between the goods outlet and a credit card, paying the payment to the seller based on a trade contract, recording a certification document of payment of the goods on a block chain, and linking the certification document to the credit card;
step S5: and carrying out trade payment activity based on the request of the buyer, paying the payment of the goods based on the trade contract by the buyer after confirming that the bill related to the credit is correct, recording a certification file for payment of the goods on the block chain and linking the certification file to the credit, and finally carrying out delivery clearing activity based on the request of the buyer.
Further, the step S1 specifically includes the following steps:
step S11: the import merchant node requests the third-party credit investigation agency node to confirm the operation condition and credit investigation condition of the export merchant node on the block chain, the third-party credit investigation agency node generates a credit investigation condition table of the export merchant node, and the third-party credit investigation node records the credit investigation condition table on the block chain and sends the credit investigation table to the import merchant node after signature confirmation;
step S12: after confirming that no errors exist, the import merchant node deploys an intention of collaboration on the block chain, and after signature confirmation, the intention of collaboration is recorded on the block chain and sent to the export merchant node;
step S13: the exporter node requests the third-party credit investigation agency node to confirm the operation condition and credit investigation condition of the importer node, the third-party credit investigation agency node generates a credit investigation condition table of the importer node, and the third-party credit investigation node records the credit investigation condition table on the block chain and sends the credit investigation condition table to the exporter node after signature confirmation;
step S14: the export merchant node verifies that the signature of the import merchant node is correct and then signs on the collaboration intention book for confirmation;
step S15: the import merchant node deploys trade contracts on the block chain, and sends the export merchant node after signature confirmation and records the export merchant node on the block chain;
step S16: and the export merchant node verifies that the signature of the import merchant node is correct and confirms that the trade contract is correct.
Further, in step S1, the import merchant node performs signature verification using a private key, and the export merchant node verifies the signature of the import merchant node using the public key of the import merchant node.
Further, the step S2 specifically includes the following steps:
step S21: the importer node deploys an opening application form on the block chain within the time specified by the trade contract and carries out signature confirmation, and meanwhile, the chapter, financial statement and import contract of the company are sent to the opening bank node and recorded on the block chain;
step S22: after the issuing bank node receives the issuing application form, the import qualification and repayment capacity of the importers are checked according to the company chapters, financial statements and import contracts submitted by the importer node;
step S23: the issuing bank node applies for checking other information of the importer node outside the block chain to Oracle, wherein the information comprises tax payment, loan condition and credit level, and the Oracle generates a qualification condition table of the importer node and sends the qualification condition table to the issuing bank node and records the qualification condition table on the block chain;
step S24: the issuing bank node determines whether to approve the issuing of the credit card for the importer node or not based on the evaluation result of the node and Oracle on the importer node, if so, a rejection notice is generated and sent to the importer node and recorded on the block chain, and if so, the issuing bank node signs a name on an issuing application table for confirmation;
step S25: the issuing bank node deploys an import credit certificate service trust agreement on the block chain, the agreement is sent to the import business node and recorded on the block chain after signature confirmation, and the import business node verifies that the signature of the issuing bank node is correct and then signs and confirms;
step S26: the issuing bank node issues a credit card according to the issuing application form and the import contract of the import merchant node, signs, confirms and stores the credit card and records the credit card on the block chain;
step S27: the issuing bank node sends the credit card to the notifying bank node and records the credit card on the block chain, and the notifying bank node signs and confirms the deposit card after checking the credit card;
step S28: and the notification bank node sends the credit card to the export node and records the credit card on the block chain, the export node compares and checks the credit card with the signed trade contract content, and signature confirmation is carried out after the confirmation is correct.
Further, the step S3 specifically includes the following steps:
step S31: the export merchant node prepares goods and then generates an export contract, an export commercial invoice and a packing list, the export contract, the export commercial invoice and the packing list are recorded on the block chain after signature confirmation, the import merchant node is informed, and the import merchant node checks the signature and confirms the signature after error is eliminated;
step S32: the export business node deploys a commodity inspection application form on the block chain, and sends out the export business inspection bureau node after signature confirmation and records the export business inspection bureau node on the block chain;
step S33: after the outlet side commodity inspection bureau node confirms that the commodity inspection is qualified, recording the commodity inspection application form signature on the block chain after the commodity inspection application form signature is confirmed, and informing the outlet side commodity inspection bureau node;
step S34: the export merchant node deploys a consignment contract on the block chain, the export merchant node sends a given export logistics node after signature confirmation and records the export logistics node on the block chain, and the export logistics node checks the signature of the export merchant node and confirms the signature without error;
step S35: after receiving the goods, the logistics node of the export party generates a bill of lading signature confirmation, records the bill of lading signature confirmation on the block chain and sends the bill of lading signature confirmation to the export business node, and the export business node verifies that the signature of the logistics node of the export party is correct and then confirms the signature;
step S36: the export side logistics node informs the export side merchant node to apply for customs clearance before shipping the goods, the export side merchant node deploys a customs clearance application form on the block chain after receiving the notice, and the signature confirmation is recorded on the block chain and is sent to the export side customs node;
step S37: the customs node of the exporter audits the export contract, the export commercial invoice, the packing bill, the inspection bill and the bill extraction, signs and confirms on the customs application bill after the successful audit and informs the exporter logistics node;
step S38: the outlet side logistics node starts transportation after receiving the notice, generates a transportation single signature to confirm, records the transportation single signature on the block chain and notifies the outlet side logistics node;
step S39: and after receiving the notice, the export business node checks the data on the block chain and signs on the transportation list for confirmation.
Further, the step S3 further includes the following steps between the step S33 and the step S34:
step S33 a: the insurance company node of the exporter generates a policy according to the quantity and quality of the goods, the signature is confirmed and recorded on the block chain and is sent to the exporter node, and the exporter node checks the signature without errors and then confirms the signature.
Further, the step S4 specifically includes the following steps:
step S41: after the goods are transported out, the export merchant node sends out a remittance notice to the paying bank node, the paying bank node audits the bills on the block chain, wherein the bills comprise a bill, a policy, a check sheet and a customs declaration sheet, and remittance is transferred to the export merchant node after the bill is determined to be consistent and the bill is consistent;
step S42: oracle records the transfer records sent by the payment line node to the export node on a block chain, and the export node confirms the signature of the transfer records;
step S43: the payment company node sends out a payment request notice to the payment company, and the payment company transfers remittance to the payment company node after confirming that the receipt is correct;
step S44: oracle records the transfer records sent by the payment bank node to the payment bank node on the block chain, and the payment bank node carries out signature confirmation on the transfer records;
step S45: the payment bank node sends a compensation request notice to the issuing bank node, and the issuing bank node transfers remittance to the payment bank node after confirming that the receipt is correct;
step S46: oracle records the transfer records sent by the issuing bank node to the paying bank node on the block chain, and the paying bank node carries out signature confirmation on the transfer records.
Further, the step S5 specifically includes the following steps:
step S51: when the goods reach the import side sea joint point, the export side logistics node informs the import business node to apply for customs declaration;
step S52: the import business node deploys an import customs application form on the block chain, and the signature is confirmed and recorded on the block chain;
step S53: the import side commodity inspection office node inspects the goods, issues a commodity inspection qualified certificate and records the goods on the block chain after signature confirmation, and the import side commodity inspection office node verifies that the signature of the import side commodity inspection office node is correct and then signs and confirms;
step S54: the customs node of the importer audits goods and documents, signs on a customs application form after the audits is passed, confirms and informs the importer of the logistics node;
step S55: after receiving the goods from the logistics node of the exit side, the logistics node of the entrance side checks the goods, records the goods on the block chain after signature confirmation on the bill of lading and sends a notice to the logistics node of the entrance side;
step S56: after verifying that the document on the block chain is correct, the importer node sends a payment notice to the issuing bank node and transfers remittance to the issuing bank node;
step S57: the Oracle node records the transfer records sent by the import merchant node to the issuer node on the block chain, and the issuer node performs signature confirmation on the transfer records;
step S58: the import business node sends a notice of goods extraction to the import side logistics node, and the import side logistics node notifies the import business node to take the goods after checking that the transfer record of the import business node is correct;
step S59: and the importer node signs and confirms on the bill of lading after the importer node extracts the goods from the importer logistics node.
Further, the method also comprises the following steps:
step S6: and checking whether default behaviors exist between the buyer and the seller in the transaction process, if yes, adding default party information into a blacklist and recording the default party information on a block chain.
The present invention also provides a computer-readable storage medium for storing a computer program for performing import approval based on a blockchain, where the computer program, when running on a computer, performs the steps of the method for performing import approval based on a blockchain as described above.
The invention has the following beneficial effects:
the method for performing import opening certificate based on the block chain comprehensively utilizes the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature and the identity authentication in the block chain, simplifies the transaction execution process of the import opening certificate, reduces the default and fraud possibility of both import and export parties, solves the trust and risk problems on payment and delivery, improves the trust degree of both transaction parties, reduces the risk born by a bank, improves the security of transaction, reduces the fund occupation, improves the cash flow and realizes faster, safe and reliable trade activities.
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 diagram of a service structure for import approval in a conventional international trade mode.
Fig. 2 is a service structure diagram of a method for import approval based on a block chain according to a preferred embodiment of the present invention.
Fig. 3 is a schematic network deployment diagram of a multi-party node involved in a blockchain network according to a method for performing import approval based on a blockchain in the preferred embodiment of the present invention.
Fig. 4 is a flow chart of a block chain based import approval method according to a preferred embodiment of the present invention.
Fig. 5 is a sub-flowchart of step S1 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 6 is a sub-flowchart of step S2 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 7 is a sub-flowchart of step S3 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 8 is a sub-flowchart of step S4 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 9 is a sub-flowchart of step S5 in fig. 4 according to the preferred 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.
For ease of understanding, as shown in fig. 2 and 3, the following explains the multi-party nodes involved in the blockchain in the method for import approval based on the blockchain.
① Oracle (prophetic machine), a platform for providing external information, which can allow the block chain to connect to any existing API (Application Programming Interface), and can import, store and export the information about network nodes on the block chain, to realize dynamic acquisition of information;
② Inputer (applicant) node, applicant (application), is a party that requests to open a letter of credit, usually a buyer (importer) in international trade, and applies for the opening of a letter of credit to a bank at a time according to payment conditions established by a trade contract.
③ issuing bank refers to the bank which issues the letter of credit on request of the applicant or on behalf of the applicant, the issuing bank is usually the bank of the import place, the issuing bank has the first payment responsibility, therefore, the issuing bank plays the most important role in documentary letter of credit transaction.
④ Payment Bank node, which is the designated payment bank on the letter of credit, the payment bank (payment bank) is usually the drafted person, so called the drafted bank, it is usually the issuing bank, and may be the designated another bank, according to the rules of the letter of credit.
⑤ Exporter (beneficiary) node the beneficiary (enerciax) is the party who accepts the letter of credit and enjoys his interests.
⑥ Notification bank refers to bank which should inform exporter of credit card according to the requirement of issuing bank, the noticing bank is usually bank of export place, the credit card can be mailed to beneficiary directly by issuing bank, but because the bank has seal and confidentiality relationship, the authenticity of credit card is verified by bank, which is beneficial to protect beneficiary's right, so most of credit card is informed by noticing bank.
⑦ Negotiation is the act of the Negotiation Bank (negotiating bank) under a conforming delivery order to prepay or agree to prepay for money to the beneficiary on or before the day of the bank's business where it should be paid, thereby purchasing money orders and/or documents, and additionally, the money order payer must be a bank, but cannot be made a payer in the act of negotiating.
⑧ third party credit investigation organization node is a mediation legal organization unit which is approved and established according to related laws and regulations, collects enterprise and personal credit information, provides enterprise and personal credit information inquiry, rating and inquiry services for enterprise and personal credit information users and operates independently.
⑨ Exit insurer node points out the company that the oral party provides insurance services for freight transportation and the like.
⑩ Exit party business bureau node, indicating the detection mechanism responsible for examining and verifying whether the goods meet the export requirement.
As shown in fig. 4, a preferred embodiment of the present invention provides a method for import approval based on blockchain, comprising the steps of:
step S1: deploying trade contracts on the blockchain based on the request of the buyer, and carrying out signature confirmation on the trade contracts by the buyer and the seller on the blockchain;
step S2: generating a letter of credit based on the buyer's request and recording it on the blockchain;
step S3: the seller records the relevant information of the goods export on the block chain and links the information to the letter of credit;
step S4: performing trade payment activity based on a request of a seller, checking related information of a goods outlet and the correlation between the goods outlet and a credit card, paying the payment to the seller based on a trade contract, recording a certification document of payment of the goods on a block chain, and linking the certification document to the credit card;
step S5: and carrying out trade payment activity based on the request of the buyer, paying the payment of the goods based on the trade contract by the buyer after confirming that the bill related to the credit is correct, recording a certification file for payment of the goods on the block chain and linking the certification file to the credit, and finally carrying out delivery clearing activity based on the request of the buyer.
In this embodiment, the method for import opening certificate based on the block chain comprehensively utilizes the asymmetric encryption technology, the intelligent contract technology, the hash algorithm, the digital signature and the identity authentication in the block chain, simplifies the transaction execution process of import opening certificate, reduces the default and fraud possibility of both import and export parties, solves the trust and risk problems in payment and delivery, improves the trust degree of both transaction parties, reduces the risk born by the bank, improves the security of transaction, reduces the fund occupation, improves the cash flow, and realizes faster, safe and reliable trade activities.
It can be understood that, as shown in fig. 5, the step S1 specifically includes the following steps:
step S11: the import merchant node requests the third-party credit investigation agency node to confirm the operation condition and credit investigation condition of the export merchant node on the block chain, the third-party credit investigation agency node generates a credit investigation condition table of the export merchant node, and the third-party credit investigation node records the credit investigation condition table on the block chain and sends the credit investigation table to the import merchant node after signature confirmation;
step S12: after confirming that no errors exist, the import merchant node deploys an intention of collaboration on the block chain, and after signature confirmation, the intention of collaboration is recorded on the block chain and sent to the export merchant node;
step S13: the exporter node requests the third-party credit investigation agency node to confirm the operation condition and credit investigation condition of the importer node to be cooperated, the third-party credit investigation agency node generates a credit investigation condition table of the importer node, and the third-party credit investigation node records the credit investigation condition table on the block chain and sends the credit investigation table to the exporter node after signature confirmation;
step S14: after the exporter node confirms that the cooperation can be realized, the exporter node verifies that the signature of the importer node is correct and then signs on the cooperation intention book for confirmation;
step S15: after the import merchant node and the export merchant node are subjected to the negotiation of the intention of cooperation, the import merchant node deploys a trade contract on the block chain, and the import merchant node sends the export merchant node after signature confirmation and records the export merchant node on the block chain;
step S16: and the export merchant node verifies that the signature of the import merchant node is correct and confirms that the trade contract is correct.
It is to be understood that, in the step S1, the importer node uses the private key to perform signature verification, and the exporter node uses the public key of the importer node to verify the signature of the importer node.
It can be understood that, as shown in fig. 6, the step S2 specifically includes the following steps:
step S21: the import merchant node sends an import issuing application to the issuing bank node within the time specified by the trade contract, and the method specifically comprises the following steps: deploying an application form for opening a certificate on the blockchain, carrying out signature confirmation, sending a chapter, a financial statement and an import contract of a company to a node of an opening certificate bank, and recording the node on the blockchain;
step S22: after the issuing bank node receives the issuing application form, the import qualification and repayment capacity of the importers are checked according to the company chapters, financial statements and import contracts submitted by the importer node;
step S23: the issuing bank node applies for checking other information of the importer node outside the block chain to Oracle, wherein the information comprises tax payment, loan condition, credit level and the like, and the Oracle generates a qualification condition table of the importer node and sends the qualification condition table to the issuing bank node and records the qualification condition table to the block chain;
step S24: the issuing bank node determines whether to approve the issuing of the credit card for the importer node or not based on the evaluation result of the node and Oracle on the importer node, if so, a rejection notice is generated and sent to the importer node and recorded on the block chain, and if so, the issuing bank node signs a name on an issuing application table for confirmation;
step S25: the issuing bank node deploys an import credit certificate service trust agreement on the block chain, the agreement is sent to the import business node and recorded on the block chain after signature confirmation, and the import business node verifies that the signature of the issuing bank node is correct and then signs and confirms;
step S26: the issuing bank node issues a credit card according to the issuing application of the import merchant node and the import contract, signs, confirms and stores the credit card and records the credit card on the block chain;
step S27: the issuing bank node sends the credit card to the notifying bank node and records the credit card on the block chain, and the notifying bank node signs and confirms the deposit card after checking the credit card;
step S28: and the notification bank node sends the credit card to the export node and records the credit card on the block chain, the export node compares and checks the credit card with the signed trade contract content, and signature confirmation is carried out after the confirmation is correct.
It can be understood that, as shown in fig. 7, the step S3 specifically includes the following steps:
step S31: the export business node prepares goods and then generates export contract, export commercial invoice, packing list and other documents, the documents are recorded on the block chain after signature confirmation and are informed to the import business node, and the import business node checks the documents without errors and then signs and confirms, wherein the export contract, the export commercial invoice, the packing list and other related information are linked to the letter of credit on the block chain, so that subsequent auditing and checking are convenient;
step S32: the export merchant node deploys a commodity inspection application form on the block chain, and the commodity inspection application form is sent to the export merchant inspection bureau node and recorded on the block chain after signature confirmation, wherein the commodity inspection application form is linked to the credit certificate so as to facilitate subsequent auditing and checking;
step S33: after the exporter commodity inspection bureau node confirms that the commodity is qualified, the commodity inspection application form is signed and confirmed, and after the commodity inspection qualified certificate is issued and signed and confirmed, the commodity inspection qualified certificate is recorded on the block chain and the exporter node is informed;
step S34: the export merchant node deploys a consignment contract on the blockchain, the export merchant node sends a given export logistics node after signature confirmation and records the export logistics node on the blockchain, and the export logistics node checks the signature of the export merchant node without error signature confirmation, wherein the consignment contract is linked to the letter of credit;
step S35: the export side logistics node generates a bill of lading signature confirmation after receiving the goods, records the bill of lading signature confirmation on the block chain and sends the bill of lading signature confirmation to the export business node, and the export business node verifies that the signature of the export side logistics node is correct and then verifies that the bill of lading is linked to the credit card on the block chain;
step S36: the export side logistics node informs the export side merchant node to apply for customs clearance before goods are shipped, the export side merchant node deploys a customs clearance application form on the block chain after receiving the notice, the signature confirmation is recorded on the block chain and is sent to the export side customs node, and the customs clearance application form is linked to the credit card;
step S37: the customs node of the exporter audits the export contract, the export commercial invoice, the packing bill, the inspection bill and the bill extraction, signs and confirms on the customs application bill after the successful audit and informs the exporter logistics node;
step S38: the logistics node of the export party starts transportation after receiving the notice, generates a transportation bill signature to confirm, records the transportation bill signature on the block chain and informs the export business node, wherein the transportation bill is linked to the letter of credit;
step S39: and after receiving the notice, the export business node checks the data on the block chain and signs on the transportation list for confirmation.
It is understood that, as preferable, the step S3 further includes the following steps between the step S33 and the step S34:
step S33 a: the exporter insurance company node generates a policy according to the quantity and quality of the goods, the signature confirmation is recorded on the block chain and sent to the exporter node, the exporter node verifies the policy without errors and then the policy is confirmed, and the policy is linked to the credit card.
It can be understood that, as shown in fig. 8, the step S4 specifically includes the following steps:
step S41: after the goods are transported out, the export merchant node sends out a remittance notice to the paying bank node, the paying bank node audits the bills on the block chain, wherein the bills comprise a bill, a policy, a check sheet and a customs declaration sheet, and remittance is transferred to the export merchant node after the bill is determined to be consistent and the bill is consistent;
step S42: oracle records the transfer records of remittance from the payment settlement bank node to the export merchant node on a block chain, the export merchant node performs signature confirmation on the transfer records, and the transfer records of remittance from the payment settlement bank node to the export merchant node are linked to the letter of credit for facilitating audit and check of the import merchant node;
step S43: the payment company node sends out a payment request notice to the payment company, and the payment company transfers remittance to the payment company node after confirming that the receipt is correct;
step S44: oracle records the transfer record of remittance from the payment bank node to the payment bank node on a block chain, the payment bank node signs and confirms the transfer record, and the transfer record of remittance from the payment bank node to the payment bank node is linked to the letter of credit;
step S45: the payment bank node sends a compensation request notice to the issuing bank node, and the issuing bank node transfers remittance to the payment bank node after confirming that the receipt is correct;
step S46: oracle records the transfer record of remittance from the issuer node to the payer node on the block chain, the payer node performs signature confirmation on the transfer record, and the transfer record of remittance from the issuer node to the payer node is linked to the letter of credit.
It can be understood that, as shown in fig. 9, the step S5 specifically includes the following steps:
step S51: when the goods reach the import side sea joint point, the export side logistics node informs the import business node to apply for customs declaration;
step S52: the import merchant node deploys an import customs application form on the blockchain, signs and confirms and records the import customs application form on the blockchain, and the import customs application form is linked to the letter of credit;
step S53: the import side commodity inspection bureau node inspects goods, issues a commodity inspection qualified certificate and records the goods on the block chain after signature confirmation, and the import side commodity inspection bureau node verifies that the signature of the import side commodity inspection bureau node is correct and then signs and confirms, wherein the commodity inspection qualified certificate is linked to the letter of credit;
step S54: the customs node of the importer audits goods and documents, signs on a customs application form after the audits is passed, confirms and informs the importer of the logistics node;
step S55: after receiving the goods from the logistics node of the exit side, the logistics node of the entrance side checks the goods, records the goods on the block chain after signature confirmation on the bill of lading and sends a notice to the logistics node of the entrance side;
step S56: after verifying that the document on the block chain is correct, the importer node sends a payment notice to the issuing bank node and transfers remittance to the issuing bank node;
step S57: the Oracle node records the transfer records sent by the importer node to the issuer node on the block chain, the issuer node signs and confirms the transfer records, and the transfer records sent by the importer node to the issuer node are linked to the letter of credit;
step S58: the import business node sends a notice of goods extraction to the import side logistics node, and the import side logistics node notifies the import business node to take the goods after checking that the transfer record of the import business node is correct;
step S59: and the importer node signs and confirms on the bill of lading after the importer node extracts the goods from the importer logistics node.
It is understood that, as a preferred method, the import approval based on the blockchain further includes the following steps:
step S6: and checking whether default behaviors exist between the buyer and the seller in the transaction process, if yes, adding default party information into a blacklist and recording the default party information on a block chain, so that the trust degree of the import and export parties is improved, and the credit of a bank is protected.
Compared with the existing import approval mode, the method for performing import approval based on the block chain has the following advantages that:
the block chain technology is utilized to completely publish all information on an industrial chain in the whole import certification process on the chain, and the real transparency and the whole integrity of the information are improved through the consensus mechanism and the repeated confirmation of a plurality of key nodes, so that the information cannot be forged and falsified, and the credit risk of a bank caused by the credit worthiness of an import and an export party is reduced.
The block chain provides a distributed accounting and intelligent contract script technology automatic transaction processing system, replaces the processes of examining, making orders, telegraph, mailing and the like of a large amount of manpower and time occupied in the traditional settlement process, and greatly improves the efficiency of international trade.
In a traditional mode, different entities respectively store respective information, information islands exist in systems, the transparency of the information is seriously insufficient, high time cost and money cost are caused, once problems (behaviors such as default, fraud and the like) occur in an import and export party and are difficult to track and process, and at the moment, a bank faces risks of funds and credit. Firstly, a block chain technology is utilized to make a chain, namely, each important participating node forms an alliance chain; then, chaining is carried out, namely, the transaction information of all the participating main bodies is chained, so that the whole transaction process is transparent, the security and the efficiency of the transaction are improved, meanwhile, the trust degree among the participating main bodies can be deepened, and a trust mechanism in international trade is reconstructed; and finally, the whole trade process is conveniently subjected to transaction recording and historical query by using a chain.
By applying the technology of combining the block chain and the intelligent contract, the process of transmitting and checking the document is simplified, the cost of manpower, material resources, financial resources and time is saved, and a plurality of complicated processes in the middle of international trade are simplified; the defaulting and fraud possibility of both import and export parties is reduced, the trust and risk problems on payment and delivery are solved, and the trust degree of both parties of the transaction is improved; the risk born by the bank is reduced, and the credit of the bank is protected; the capital occupation is reduced; the cash flow is improved, so that the whole trade financing process is quicker, safer and more intelligent.
It is understood that the second embodiment of the present invention also provides a computer readable storage medium for storing a computer program for performing import approval based on blockchain, which when run on a computer performs the steps of the method for performing import approval based on blockchain as described above.
The general form of computer readable media includes: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, CD-ROM, any other optical medium, punch cards (punchcards), paper tape (paper tape), any other physical medium 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 other memory chip or cartridge, or any other medium 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 computer data signals.
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.
Claims (10)
1. A method for import certification based on block chain is characterized in that,
the method comprises the following steps:
step S1: deploying trade contracts on the blockchain based on the request of the buyer, and carrying out signature confirmation on the trade contracts by the buyer and the seller on the blockchain;
step S2: generating a letter of credit based on the buyer's request and recording it on the blockchain;
step S3: the seller records the relevant information of the goods export on the block chain and links the information to the letter of credit;
step S4: performing trade payment activity based on a request of a seller, checking related information of a goods outlet and the correlation between the goods outlet and a credit card, paying the payment to the seller based on a trade contract, recording a certification document of payment of the goods on a block chain, and linking the certification document to the credit card;
step S5: and carrying out trade payment activity based on the request of the buyer, paying the payment of the goods based on the trade contract by the buyer after confirming that the bill related to the credit is correct, recording a certification file for payment of the goods on the block chain and linking the certification file to the credit, and finally carrying out delivery clearing activity based on the request of the buyer.
2. The block chain based import approval method of claim 1,
the step S1 specifically includes the following steps:
step S11: the import merchant node requests the third-party credit investigation agency node to confirm the operation condition and credit investigation condition of the export merchant node on the block chain, the third-party credit investigation agency node generates a credit investigation condition table of the export merchant node, and the third-party credit investigation node records the credit investigation condition table on the block chain and sends the credit investigation table to the import merchant node after signature confirmation;
step S12: after confirming that no errors exist, the import merchant node deploys an intention of collaboration on the block chain, and after signature confirmation, the intention of collaboration is recorded on the block chain and sent to the export merchant node;
step S13: the exporter node requests the third-party credit investigation agency node to confirm the operation condition and credit investigation condition of the importer node, the third-party credit investigation agency node generates a credit investigation condition table of the importer node, and the third-party credit investigation node records the credit investigation condition table on the block chain and sends the credit investigation condition table to the exporter node after signature confirmation;
step S14: the export merchant node verifies that the signature of the import merchant node is correct and then signs on the collaboration intention book for confirmation;
step S15: the import merchant node deploys trade contracts on the block chain, and sends the export merchant node after signature confirmation and records the export merchant node on the block chain;
step S16: and the export merchant node verifies that the signature of the import merchant node is correct and confirms that the trade contract is correct.
3. The method of claim 2, wherein the import approval is based on a blockchain,
in step S1, the import merchant node performs signature verification using the private key, and the export merchant node verifies the signature of the import merchant node using the public key of the import merchant node.
4. The block chain based import approval method of claim 1,
the step S2 specifically includes the following steps:
step S21: the importer node deploys an opening application form on the block chain within the time specified by the trade contract and carries out signature confirmation, and meanwhile, the chapter, financial statement and import contract of the company are sent to the opening bank node and recorded on the block chain;
step S22: after the issuing bank node receives the issuing application form, the import qualification and repayment capacity of the importers are checked according to the company chapters, financial statements and import contracts submitted by the importer node;
step S23: the issuing bank node applies for checking other information of the importer node outside the block chain to Oracle, wherein the information comprises tax payment, loan condition and credit level, and the Oracle generates a qualification condition table of the importer node and sends the qualification condition table to the issuing bank node and records the qualification condition table on the block chain;
step S24: the issuing bank node determines whether to approve the issuing of the credit card for the importer node or not based on the evaluation result of the node and Oracle on the importer node, if so, a rejection notice is generated and sent to the importer node and recorded on the block chain, and if so, the issuing bank node signs a name on an issuing application table for confirmation;
step S25: the issuing bank node deploys an import credit certificate service trust agreement on the block chain, the agreement is sent to the import business node and recorded on the block chain after signature confirmation, and the import business node verifies that the signature of the issuing bank node is correct and then signs and confirms;
step S26: the issuing bank node issues a credit card according to the issuing application form and the import contract of the import merchant node, signs, confirms and stores the credit card and records the credit card on the block chain;
step S27: the issuing bank node sends the credit card to the notifying bank node and records the credit card on the block chain, and the notifying bank node signs and confirms the deposit card after checking the credit card;
step S28: and the notification bank node sends the credit card to the export node and records the credit card on the block chain, the export node compares and checks the credit card with the signed trade contract content, and signature confirmation is carried out after the confirmation is correct.
5. The block chain based import approval method of claim 1,
the step S3 specifically includes the following steps:
step S31: the export merchant node prepares goods and then generates an export contract, an export commercial invoice and a packing list, the export contract, the export commercial invoice and the packing list are recorded on the block chain after signature confirmation, the import merchant node is informed, and the import merchant node checks the signature and confirms the signature after error is eliminated;
step S32: the export business node deploys a commodity inspection application form on the block chain, and sends out the export business inspection bureau node after signature confirmation and records the export business inspection bureau node on the block chain;
step S33: after the outlet side commodity inspection bureau node confirms that the commodity inspection is qualified, recording the commodity inspection application form signature on the block chain after the commodity inspection application form signature is confirmed, and informing the outlet side commodity inspection bureau node;
step S34: the export merchant node deploys a consignment contract on the block chain, the export merchant node sends a given export logistics node after signature confirmation and records the export logistics node on the block chain, and the export logistics node checks the signature of the export merchant node and confirms the signature without error;
step S35: after receiving the goods, the logistics node of the export party generates a bill of lading signature confirmation, records the bill of lading signature confirmation on the block chain and sends the bill of lading signature confirmation to the export business node, and the export business node verifies that the signature of the logistics node of the export party is correct and then confirms the signature;
step S36: the export side logistics node informs the export side merchant node to apply for customs clearance before shipping the goods, the export side merchant node deploys a customs clearance application form on the block chain after receiving the notice, and the signature confirmation is recorded on the block chain and is sent to the export side customs node;
step S37: the customs node of the exporter audits the export contract, the export commercial invoice, the packing bill, the inspection bill and the bill extraction, signs and confirms on the customs application bill after the successful audit and informs the exporter logistics node;
step S38: the outlet side logistics node starts transportation after receiving the notice, generates a transportation single signature to confirm, records the transportation single signature on the block chain and notifies the outlet side logistics node;
step S39: and after receiving the notice, the export business node checks the data on the block chain and signs on the transportation list for confirmation.
6. The block chain based import approval method of claim 5, wherein:
the step S3 further includes the following steps between the step S33 and the step S34:
step S33 a: the insurance company node of the exporter generates a policy according to the quantity and quality of the goods, the signature is confirmed and recorded on the block chain and is sent to the exporter node, and the exporter node checks the signature without errors and then confirms the signature.
7. The block chain based import approval method of claim 6,
the step S4 specifically includes the following steps:
step S41: after the goods are transported out, the export merchant node sends out a remittance notice to the paying bank node, the paying bank node audits the bills on the block chain, wherein the bills comprise a bill, a policy, a check sheet and a customs declaration sheet, and remittance is transferred to the export merchant node after the bill is determined to be consistent and the bill is consistent;
step S42: oracle records the transfer records sent by the payment line node to the export node on a block chain, and the export node confirms the signature of the transfer records;
step S43: the payment company node sends out a payment request notice to the payment company, and the payment company transfers remittance to the payment company node after confirming that the receipt is correct;
step S44: oracle records the transfer records sent by the payment bank node to the payment bank node on the block chain, and the payment bank node carries out signature confirmation on the transfer records;
step S45: the payment bank node sends a compensation request notice to the issuing bank node, and the issuing bank node transfers remittance to the payment bank node after confirming that the receipt is correct;
step S46: oracle records the transfer records sent by the issuing bank node to the paying bank node on the block chain, and the paying bank node carries out signature confirmation on the transfer records.
8. The block chain based import approval method of claim 1,
the step S5 specifically includes the following steps:
step S51: when the goods reach the import side sea joint point, the export side logistics node informs the import business node to apply for customs declaration;
step S52: the import business node deploys an import customs application form on the block chain, and the signature is confirmed and recorded on the block chain;
step S53: the import side commodity inspection office node inspects the goods, issues a commodity inspection qualified certificate and records the goods on the block chain after signature confirmation, and the import side commodity inspection office node verifies that the signature of the import side commodity inspection office node is correct and then signs and confirms;
step S54: the customs node of the importer audits goods and documents, signs on a customs application form after the audits is passed, confirms and informs the importer of the logistics node;
step S55: after receiving the goods from the logistics node of the exit side, the logistics node of the entrance side checks the goods, records the goods on the block chain after signature confirmation on the bill of lading and sends a notice to the logistics node of the entrance side;
step S56: after verifying that the document on the block chain is correct, the importer node sends a payment notice to the issuing bank node and transfers remittance to the issuing bank node;
step S57: the Oracle node records the transfer records sent by the import merchant node to the issuer node on the block chain, and the issuer node performs signature confirmation on the transfer records;
step S58: the import business node sends a notice of goods extraction to the import side logistics node, and the import side logistics node notifies the import business node to take the goods after checking that the transfer record of the import business node is correct;
step S59: and the importer node signs and confirms on the bill of lading after the importer node extracts the goods from the importer logistics node.
9. The block chain based import approval method of claim 1,
further comprising the steps of:
step S6: and checking whether default behaviors exist between the buyer and the seller in the transaction process, if yes, adding default party information into a blacklist and recording the default party information on a block chain.
10. A computer-readable storage medium storing a computer program for block-chain based import approval, wherein the computer program when executed on a computer performs the steps of the method for block-chain based import approval as claimed in any one of claims 1 to 9.
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