CN111144884A

CN111144884A - Method and storage medium for import deposit and remittance under credit item based on block chain

Info

Publication number: CN111144884A
Application number: CN201911290112.4A
Authority: CN
Inventors: 马超群; 匡先华; 周中定; 李信儒; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2019-12-16
Filing date: 2019-12-16
Publication date: 2020-05-12

Abstract

The invention discloses a method for importing deposit exchange under a credit item based on a block chain. The enterprise information and the commodity information of the importer nodes need to be uploaded to the block chain network, the credit condition and the market condition of the commodities of the importer nodes can be conveniently evaluated by an issuing bank node, and meanwhile transaction records such as trade contracts, credit certificates, commodity export information, bill withdrawals, payment records and bill withdrawals information need to be signed and confirmed by related organization nodes and uploaded to the block chain network, so that the use of traditional paper documents is omitted, the trade cost is reduced, the document transmission and auditing rate is increased, and the efficiency of trade activities is improved. In addition, the whole process of goods circulation needs to upload circulation information to the block chain network and carry out signature confirmation by related nodes, so that the effective monitoring of the goods circulation process is realized, the possibility that imported business nodes carry goods to escape and lose confidence is avoided, the safety of trade is improved, and more rapid, safe and reliable trade activities are realized.

Description

Method and storage medium for import deposit and remittance under credit item based on block chain

Technical Field

The invention relates to the technical field of import deposit in trade financing, in particular to a method for import deposit under a credit item based on a block chain and a computer readable storage medium.

Background

The import deposit is the business that the bank applies for by the importer, provides short-term fund financing when the bank pays the external money and is paid by the applicant according to the agreed interest rate and term. According to the settlement mode, the method is divided into import deposit and remit under the letter of credit, import deposit and remittance.

The import deposit is also called import letter deposit under the letter of credit item, which is that in the letter of credit business, the importer as the issuing applicant should pay the redemption bill in time after receiving the notice of the receipt payment of the issuing bank. In some special cases, however, the importer may have a fund gap for a variety of reasons, which makes it difficult to pay for a moment (for example, temporary stockings due to price fluctuation, sales due to long processing period cannot be returned in time, due to non-matching payable period, etc.), the importer will deposit ownership of imported goods or other properties to the bank or provide a third person for guarantee, and the bank will pay for the importer in advance of the short-term financing service of the goods.

The existing trade financing activity based on the import deposit under the credit item has the following problems:

1. in traditional international trade financing activity, the opening and verification of a large number of paper documents are involved, and the documents are often delivered in a post delivery mode, so that the efficiency of the trade activity is greatly reduced, and the waste of a large number of resources such as manpower and material resources is caused.

2. Paper documents have the possibility of counterfeiting, are easy to lose and difficult to keep, and can increase the risk of international trade.

3. In the traditional trade financing activity, a bank lacks the historical transaction information of loan enterprises, the credit condition of the medium and small enterprises cannot be accurately judged when financing service is provided for the medium and small enterprises, the bank loan placement is not facilitated, and the financing of the medium and small enterprises is also not facilitated.

4. In the actual operation process of import deposit exchange, after the bank gets the bill of lading and signs the trust agreement with the importer, the bank only has ownership of the goods on the upper surface, and cannot actually control the flow direction of the goods, and cannot monitor the circulation process of the goods, so that the risk of default of carrying the goods by the importer to escape and lose credit exists.

Disclosure of Invention

The invention provides a method for import deposit and remittance under a credit card item based on a block chain and a computer readable storage medium, which are used for solving the technical problems of low transaction safety, low efficiency, high cost and incapability of monitoring the circulation process of goods in the conventional trade financing activity based on the import deposit and remittance under the credit card item.

According to one aspect of the present invention, there is provided a method for import deposit under a letter of credit based on a blockchain, comprising the steps of:

step S1: the imported merchant node uploads the basic information of the enterprise and the market information of the imported commodity to the Oracle node, and the Oracle node automatically judges the authenticity of the information and writes the information into the block chain;

step S2: the import merchant node and the export merchant node sign the trade contract, perform hash signature and write the signature into the block chain;

step S3: the issuing bank node issues a credit card for the importer node based on the request of the importer node, and writes the credit card into the block chain after being signed and confirmed by each party node related to the credit card;

step S4: the export business node carries out goods export transportation activities and writes the related information of the goods export into the block chain;

step S5: carrying out payment activity for goods and money and bill of withdrawal ownership transfer activity based on the request of the exporter node, and writing the payment record and the bill of withdrawal ownership transfer statement into the block chain after signing;

step S6: the issuing bank node provides import deposit and remittance service for the importer node based on the request of the importer node and deploys a trust protocol, and the two parties write in a block chain after signing;

step S7: the import business node carries out the cargo import transportation activity and writes the relevant information of the cargo import into the block chain;

step S8: and the import merchant node pays the payment of the goods to the issuing bank node, then withdraws the goods, signs the payment record and the withdrawal information and writes the signature into the block chain.

Further, the step S2 specifically includes the following steps:

step S21: after the import merchant node has good trade details with the export merchant node on line, deploying trade contracts on the block chain, encrypting the abstracts of the trade contracts by using the private key of the import merchant node, and sending the abstracts to the export merchant node;

step S22: the export merchant node verifies by using the public key of the import merchant node, determines that the trade contract is drawn by the import merchant node and the contract content is correct, performs Hash signature by using the private key of the export merchant node, and writes the trade contract into the block chain after the ordering verification of the orderer node.

Further, the step S3 specifically includes the following steps:

step S31: the import merchant node verifies the authenticity of the trade contract by using the public key of the export merchant node, confirms that the trade contract is signed by the export merchant node, deploys a credit certificate application form on the block chain, performs Hash signature and then sends the credit certificate application form to the issuing bank node;

step S32: after receiving the application form of the credit card of the importer node, the issuing bank node verifies the application form by using the public key of the importer node, confirms that the application form really comes from the importer node, and then requests the Oracle node to call credit investigation data about the importer node stored by the third-party credit node;

step S33: the Oracle node informs a third party credit node to call credit investigation data of the import merchant node, the third party credit node sends a credit condition table of the import merchant node to the Oracle node after receiving the notification and performing Hash signature on the credit condition table by using a private key, and the Oracle node writes the credit condition table into a block chain after ordering the credit condition table through an orderer node;

step S34: the node of the issuing bank verifies by using the public key of the credit worthiness node of the third party, determines a credit condition table issued by the credit worthiness node of the third party, determines whether to issue a credit for the node of the import merchant, if the credit is refused, the transaction is terminated, and if the credit is approved to be issued, the node of the issuing bank deploys the credit on the block chain and sends the credit to the node of the import merchant after Hash signature;

step S35: after verifying that the credit certificate is correct, the import merchant node signs and confirms, and sends the signed credit certificate to the issuing bank node;

step S36: after receiving the credit certificate, the issuing bank node verifies the signature of the import merchant node and sends the signature to the bargaining bank node after confirming that the signature is correct;

step S37: the node of the payment advocate verifies whether the signature is from the node of the issuing bank after receiving the credit card from the node of the issuing bank, carries on Hash signature on the credit card after confirming that it is the credit card from the node of the issuing bank, and send the credit card after signing to the node of the export merchant;

step S38: and the export merchant node verifies the credit card from the payment negotiation node by using the public key of the payment negotiation node and the public key of the import merchant node, performs Hash signature after confirming that the credit card is from the import merchant node and is acknowledged by the payment negotiation node, and writes the signed credit card into the block chain after the signed credit card is verified by the orderer node in a sequencing way.

Further, the step S4 specifically includes the following steps:

step S41: the export business node deploys the freight transportation list on the block chain, carries out Hash signature after filling the freight transportation information and sends the Hash signature to the export side logistics node;

step S42: receiving the transport order by the logistics node of the exit party, determining to receive the order, performing Hash signature on the transport order, and writing the signed transport order into the block chain after the orderer node is sequenced and verified;

step S43: the exporter node applies insurance to the exporter insurance node, and the exporter insurance node generates a policy and signs and sends the policy to the exporter node;

step S44: the export business node verifies the signature, guarantees if the content is correct, and writes the signature into the block chain after the Hash signature is performed on the policy and the orderer node is sequenced and verified;

step S45: the export business node applies for business inspection to the export business inspection office node, the export business inspection office node starts to carry out business inspection on the goods of the export business after receiving the application, a business inspection report is issued and Hash signature is carried out after the business inspection is finished, and the signed business inspection report is written into the block chain after the orderer node is sequenced and verified;

step S46: the export business node applies for issuing an enterprise allowed export certificate to the export side business office node, the export side business office node receives the application notice, issues the enterprise allowed export certificate and carries out Hash signature, and the signature is written into the block chain after being sequenced and verified by the orderer node;

step S47: the exit merchant node applies for field inspection to the exit side customs node, the exit side customs node performs field inspection after receiving the inspection notification, opens a release notification and performs Hash signature after determining that the merchant inspection receipt is in accordance with the actual goods and the exit condition, and writes the signature into the block chain after the signature is completed and is sequenced and verified by the orderer node;

step S48: the export business node delivers the goods to the export side logistics node, the export side logistics node issues a bill and sends the bill to the export business node after Hash signature, the export business node receives the bill and verifies the signature to confirm the correctness and then carries out Hash signature, and the signed bill is written into the block chain after the orderer node sequences and verifies the signature.

Further, the step S4 further includes the following steps:

step S49: and the exporter node uploads the goods invoice to the block chain after obtaining the bill of lading, applies for tax refund to the exporter tax administration node, transacts the export tax refund after auditing the export bill of the exporter node and confirming the legality, draws the tax refund to the account of the exporter node and informs the exporter node.

Further, the step S5 specifically includes the following steps:

step S51: the export business node applies for acceptance to the pay line node, and the pay line node receives the acceptance application and informs the issuer node to audit the document and pay;

step S52: the issuing node checks the documents after the chain is correct and sends the documents to the payment approving node, the payment approving node is informed of receiving the documents, and meanwhile the Oracle node is informed of calling transfer records from the third-party database and writing the transfer records into a block chain;

step S53: the payment negotiating node receives the payment, issues a payment receiving statement and signs, collects the payment to the export node, informs the export node to collect the payment, and informs the Oracle node to call a transfer record from the third-party database and write the transfer record into the block chain;

step S54: the export business node issues all the statements of the bill-providing and paying line node after receiving the payment, and writes the statements into the block chain after the statements are subjected to Hash signature and are sequenced and verified by the orderer node;

step S55: after acquiring ownership of the bill of lading, the bill of lading node issues all statements returned to the bill of lading node, and writes the statements into the block chain after the statements are subjected to Hash signature and are subjected to ordering verification by the orderer node;

step S56: the issuing bank node obtains ownership of the bill of lading and notifies the importer of the redemption bill.

Further, the step S6 specifically includes the following steps:

step S61: the import merchant node applies for an import deposit from the issuing bank node, fills related information in an import deposit application book, performs Hash signature, and writes the information into the block chain after the orderer node sequences and verifies the information;

step S62: the issuing bank node receives the deposit application, determines to provide import deposit service for the import merchant node, negotiates with the import merchant node, deploys a trust protocol on the block chain, performs Hash signature and sends the trust protocol to the import merchant node;

step S63: the import merchant node verifies the authenticity of the trust protocol by using the public key of the issuing bank node, performs Hash signature after determining that the content is correct, and writes the signed trust protocol into the block chain after the orderer node sequences and verifies;

step S64: and verifying by using the public key of the importer node by the issuing bank node, confirming that the importer node agrees with terms on the trust protocol, issuing all statements of the bill-drawing use right to the importer node, performing hash signature, sequencing and verifying by the orderer node, and writing into the block chain.

Further, the step S7 specifically includes the following steps:

step S71: the import business node submits a business check application to the import side business check office node, the import side business check office node deploys a check qualified certificate and carries out Hash signature on the block chain after being checked to be qualified, and the block chain is written after the signature is finished and is sorted and verified by the orderer node;

step S72: the import business node applies for an allowed import certificate from the import side business office node, the import side business office node receives the request, issues the allowed import certificate about the import business office node after verification, performs Hash signature, and writes the allowed import certificate into the block chain after the orderer node sequences and verifies the allowed import certificate;

step S73: the importer node applies for customs clearance to the importer tax office node, the importer tax office node receives the request, transacts customs clearance for the importer node according to the confirmed bill and invoice information on the block chain, deducts the tax payment to be paid from the bank account of the importer node, issues the tax payment certificate, performs hash signature, and writes the tax payment certificate into the block chain after the orderer node sequences and verifies the tax payment certificate;

step S74: the importer node applies for on-site inspection to the importer customs node, the importer customs node performs on-site inspection, confirms that each document and object are qualified and the tax is paid, issues release notice, performs Hash signature, and writes the release notice into the block chain after the orderer node sequences and verifies;

step S75: the import business node extracts the goods from the port and stores the goods in a warehouse of an import party logistics node appointed by the bank;

step S76: after receiving the goods, the import party logistics node issues a warehouse goods list and sends the warehouse goods list to the import business node for confirmation by the import business node after the Hash signature;

step S77: after receiving the warehouse goods list, the importer node verifies the signature to confirm that the list is the list from the importer logistics node and the content of the list is correct, then carries out Hash signature on the list, and writes the list into the block chain after the orderer node sequences and verifies;

step S78: after the importer node and the importer insurance node negotiate the insurance content, the importer insurance node generates a policy and carries out Hash signature and then sends the policy to the importer node;

step S79: and after receiving the insurance policy, the import merchant node verifies that the signature is correct and the insurable content is correct, and then carries out Hash signature on the insurance policy, and writes the insurance policy into the block chain after the order verification by the orderer node.

Further, the step S8 specifically includes the following steps:

step S81: the importer node pays a part of the goods to the issuing bank node, and informs the Oracle node to fetch the transfer record from the third-party database and write the transfer record into the block chain;

step S82: after receiving the goods money, the issuing bank node shows a statement to indicate that the goods money is received and the quantity of the released goods is noted, and after carrying out Hash signature, the statement is written into a block chain after being sequenced and verified by an orderer node;

step S83: after receiving the declaration, the import party logistics node verifies whether the declaration comes from the issuing bank node, if so, a part of goods are released according to the declaration, a goods handover file is generated, and the goods handover file is subjected to Hash signature and then sent to the import business node;

step S84: verifying the signature of the goods handover file by the import business node to determine a logistics node from an import party, performing Hash signature after determining that the contents of the goods handover file are correct, and writing the signed goods handover file into a block chain after sequencing and verification by an orderer node;

step S85: after the import merchant node pays the complete instinct to the issuing bank node, the issuing bank node shows all the statements of the bill of lading ownership to the import merchant node and carries out Hash signature, and after the signature is completed, the statement is written into the block chain after the orderer node is sequenced and verified, so that the import merchant node can take out all the stored goods.

The invention also provides a computer-readable storage medium for executing a computer program for conducting an import deposit under a letter of credit based on a blockchain, wherein the computer program executes the method for conducting the import deposit under the letter of credit based on the blockchain when the computer program runs on a computer.

The invention has the following beneficial effects:

according to the method for import deposit and remittance under the credit item based on the block chain, enterprise information and commodity information of an importer node need to be uploaded to the block chain network, an issuing bank node can conveniently evaluate the credit condition and the market condition of commodities of the importer node, and transaction records such as trade contracts, credit, commodity export information, bills of lading, payment records and goods of lading information need to be signed and confirmed by related organization nodes and uploaded to the block chain network, so that the use of traditional paper documents is omitted, the trade cost is reduced, the document transmission and verification speed is increased, and the efficiency of trade activities is improved. In addition, the whole process of goods circulation needs to upload circulation information to the block chain network and carry out signature confirmation by related nodes, so that the effective monitoring of the goods circulation process is realized, the possibility that imported business nodes carry goods to escape and lose confidence is avoided, the safety of trade is improved, and more rapid, safe and reliable trade activities are realized.

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 block chain network deployment diagram of a method for import deposit under a letter of credit based on a block chain according to a preferred embodiment of the present invention.

Fig. 2 is a service network diagram of a method for importation of credits under a blockchain based service of the preferred embodiment of the present invention.

Fig. 3 is a flow chart of a method for import deposit under the letter of credit based on a blockchain according to a preferred embodiment of the invention.

Fig. 4 is a sub-flowchart of step S2 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 5 is a sub-flowchart of step S3 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 6 is a sub-flowchart of step S4 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 7 is a sub-flowchart of step S5 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 8 is a sub-flowchart of step S6 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 9 is a sub-flowchart of step S7 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 10 is a sub-flowchart of step S8 in fig. 3 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. 1 and 2, the following explains the multi-party nodes involved in the blockchain network in the method of performing import deposit under the letter of credit based on the blockchain.

1. Oracle node (prophetic machine): a platform for providing external information can allow the blockchain to be connected to any existing API, and information related to network nodes on the blockchain can be imported, stored and exported, so that dynamic acquisition of the information is realized.

2. And (4) an export business node: also known as a supplier or shipper, generally refers to a foreign trade company, manufacturing enterprise, or other entity that has the authority to handle export transactions.

3. The exit side business inspection office node: a detection mechanism for indicating that the oral side is responsible for auditing whether the commodity meets export requirements (the quality, specification, quantity and weight of the commodity and whether the commodity meets safety and sanitation requirements);

4. and the node of the export side business bureau: the system refers to a working department of government governing market supervision and administrative law enforcement, and is mainly responsible for auditing whether an export enterprise has export rights and is in an operation state in the import and export trade business.

5. Exporter tax node: the government agency responsible for tax work in the present invention refers to the department responsible for handling export refunds for exporters.

6. Exporter insurance company node: indicating a company orally providing insurance services for the transportation, storage, etc. of goods.

7. Export side customs node: the customs department who points out the square of mouth is responsible for auditing and checking the mechanism of the release notice of the goods distribution in the field.

8. Exit side logistics node: the system indicates that the oral side is at least engaged in one operation business of transportation (including transport agency and goods express delivery) or storage, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of clients, has an information management system adaptive to the business of the oral side, and is an economic organization for independently accounting and independently bearing civil responsibility.

9. And (3) a pay line node: the bank that refers to the agent of the debtor's payment, also called the payor, i.e. the bank on the letter of credit designated by the issuing bank as the payer of the draft under the item of letter of credit, is the agent of the issuing bank's payment or the receipt payment, acting as the payment agent of the issuing bank.

10. Import side business inspection bureau node: and the entrance party is a detection mechanism for auditing whether the commodities meet the import requirements.

11. Import side business bureau node: the system refers to a working department of government competent market supervision and administrative law enforcement, and is mainly responsible for auditing whether an imported enterprise has the right of import and whether the imported enterprise is in an operation state in the import and export trade business.

12. Import side customs node: the customs at the entrance side is responsible for auditing and checking the mechanism for issuing the pass of the goods on the spot.

13. Importer tax office node: the invention relates to a government organization for managing tax work, which refers to an entrance party in charge of a department for handling imported tax payment.

14. And (3) issuing a certificate as follows: refers to a bank that accepts the requirements and instructions of a letter-issuing applicant (generally a buyer of a trade contract, a goods importer) or issues a letter of credit according to the needs of the bank, and a letter-issuing bank node is a bank at the location of the importer and is responsible for obligations under the letter of credit on the own behalf.

15. Import merchant node: the term "enterprise" refers to an enterprise or a trader engaged in import trade, which purchases goods from abroad and then sells them to an industrial and mining enterprise, a wholesaler, a retailer in the country, or is processed or stored slightly and then transported to another country or region.

16. An import side logistics node: the entrance side is at least engaged in one operation business of transportation (including transport agency and goods express delivery) or storage, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of customers, has an information management system adaptive to the business of the entrance side, and is an economic organization for independently accounting and independently bearing civil responsibility.

17. Importer insurance company node: the entrance side is the company providing insurance services for goods transportation, storage and the like.

18. A third party credit worthiness institution node: the system refers to a mediation legal person 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.

It can be understood that the nodes comprise four roles of an endorsement node, a confirmation node, a main node and an anchor node inside each organization except the order node deployment. The endorsement node is mainly responsible for verifying the transaction, when receiving a transaction request sent by the client, the endorsement node can verify the validity of the transaction, and after the verification is successful, the endorsement node can feed back the result to the client. The confirmation node is primarily responsible for maintaining the ledger structure of the blockchain, which periodically obtains blocks containing transactions from the orderer node, and adds these blocks to the blockchain after performing a validity check on the blocks. The master node is responsible for acquiring block information from the orderer node on behalf of the node organization, and only one master node exists in the whole node organization. The anchor nodes are mainly responsible for information exchange between the representative node organization and other node organizations, and each node organization only has one anchor node. The orderer node is responsible for ordering and packaging the transactions sent to different clients, and the working principle is as follows: the client sends the transaction to the orderer module; the orderer node checks the transaction, and if the transaction meets the conditions, the transaction is sent to a sorting queue; the orderer node packs the taken-out transaction from the message queue, and stores the related message to the local after packing; and the orderer node sends the block chain to the client according to the code request of the client.

As shown in fig. 3, a preferred embodiment of the present invention provides a method for importation of credits under a blockchain, comprising the steps of:

In this embodiment, according to the method for importing the deposit and remittance under the credit item based on the block chain, the enterprise information and the commodity information of the importer node need to be uploaded to the block chain network, so that the credit condition and the commodity market condition of the importer node can be conveniently evaluated by the issuing bank node, and meanwhile, transaction records such as trade contracts, credit certificates, commodity export information, bills of lading, payment records and commodity information need to be signed and confirmed by related organization nodes and uploaded to the block chain network, so that the use of traditional paper documents is omitted, the trade cost is reduced, the document transmission and verification speed is increased, and the trade activity efficiency is improved. In addition, the whole process of goods circulation needs to upload circulation information to the block chain network and carry out signature confirmation by related nodes, so that the effective monitoring of the goods circulation process is realized, the possibility that imported business nodes carry goods to escape and lose confidence is avoided, the safety of trade is improved, and more rapid, safe and reliable trade activities are realized.

It can be understood that, in the step S1, the importer node needs to upload the basic information (information such as name, type, address, business license, legal representative, etc.) of the enterprise and the market conditions (information such as commodity type, market price, development trend, etc.) of the imported commodity to the Oracle node, the Oracle node can link to any third party interface after receiving the information to verify the authenticity of the information uploaded by the importer node, if the verification is passed, the block chain is written after the verification is sorted by the oder node, and if the verification is not passed, the block chain is terminated. The authenticity of the related information uploaded by the import merchant node is verified by the Oracle node, so that the credit condition of the import merchant node can be conveniently evaluated by a subsequent issuing bank node.

It can be understood that, as shown in fig. 4, the step S2 specifically includes the following steps:

In said step S21, the importer node encrypts the digest of the trade contract with its own private key for verifying the integrity of the content and the identity of the publisher.

It can be understood that, as shown in fig. 5, the step S3 specifically includes the following steps:

step S31: the import merchant node verifies the authenticity of the trade contract by using the public key of the export merchant node, confirms that the trade contract is signed by the export merchant node, deploys a credit card application form on the block chain, writes related information well, performs Hash signature and sends the credit card application form to the issuing bank node;

In step S3, the issuing bank node uses the Oracle node to request to call the credit situation table about the importer node stored in the third party credit node, so as to further evaluate the credit situation of the importer node, and issues a credit for the importer node after confirming that the credit is qualified, thereby reducing the risk of the issuing bank node, and all the related nodes need to sign and confirm the credit, so as to facilitate tracing the default behavior.

It can be understood that, as shown in fig. 6, the step S4 specifically includes the following steps:

step S41: the export business node starts to stock, applies for renting and warehousing to the logistics node of the export party, deploys the freight bill on the block chain, fills the freight information, carries out Hash signature and sends the freight bill to the logistics node of the export party;

step S43: after the exit business node confirms that the exit side logistics node receives the order, the exit business node applies insurance to the exit side insurance node, and after the exit business node and the exit side insurance node conduct offline negotiation to determine specific insurance application items, the exit side insurance node generates an insurance policy and signs the insurance policy and sends the insurance policy to the exit side business node;

step S44: verifying the signature by the exporter node, insuring if the content is correct, performing Hash signature on the policy, and writing the signed policy into the block chain after the ordering verification by the orderer node;

In step S4, the information related to the circulation process of the goods at the exit side is uploaded to the block chain network, so that each node, especially the issuing node, can effectively monitor the circulation condition of the goods.

It is understood that the step S4 further includes the following steps:

It can be understood that, as shown in fig. 7, the step S5 specifically includes the following steps:

step S51: the export business node applies acceptance to the acceptance and payment line node after obtaining the bill of lading, and the acceptance and payment line node receives the acceptance and payment application and informs the issuing line node to examine and verify the bill and accept the bill;

step S52: the issuing bank node sends the bill after the chain is checked to the payment bank node without errors, informs the payment bank node to receive the bill, and simultaneously informs the Oracle node to call a transfer record from the third-party database and write the transfer record into the block chain;

step S54: the export business node receives the goods money and then issues all the declarations of the goods money receiving and bill drawing ownership advising and paying node, and writes the declarations into the block chain after the declarations are subjected to Hash signature and are subjected to sequencing verification by the orderer node;

step S55: after acquiring ownership of the bill of lading, the paying line node issues all statements of which the ownership of the bill of lading is returned to the issuing line node, and writes the statements into the block chain after the statements are subjected to Hash signature and are subjected to sequencing verification by the orderer node;

In step S5, all information in the payment process and the statement of transfer of the bill of lading ownership are uploaded to the blockchain network, so that the importer node can accurately track the payment process and prevent any node from performing false document operation.

It can be understood that, as shown in fig. 8, the step S6 specifically includes the following steps:

step S61: the import merchant node applies for transacting import deposit from the issuing bank node, fills relevant information in the import deposit application book, performs Hash signature, and writes the information into the block chain after the orderer node sequences and verifies the information;

step S62: the issuing bank node receives the deposit-remittance application and decides to provide import deposit-remittance service for the import merchant node, negotiates with the import merchant node and deploys a trust protocol on the block chain, and sends the trust protocol to the import merchant node after carrying out Hash signature;

step S64: and verifying by using the public key of the importer node by the issuing bank node, confirming that the importer node agrees with terms on the trust protocol, issuing all statements of the bill-drawing use right to the importer node, performing hash signature, sequencing and verifying by the orderer node, and writing into the block chain. It will be appreciated that at this point, ownership of the bill of lading remains owned by the issuing node.

It can be understood that, as shown in fig. 9, the step S7 specifically includes the following steps:

step S71: after obtaining the use right of the bill, the import business node submits a business check application to the import side business check office node, the import side business check office node deploys a check qualified certificate on the block chain after being checked to be qualified and carries out Hash signature, and the check qualified certificate is written into the block chain after being sorted and verified by the orderer node after the signature is completed;

In step S7, the information related to the whole process of import transportation of the goods by the importer node is uploaded to the block chain network, and the multi-party node performs signature verification, so that the issuing authority node can effectively monitor the goods in the import transportation link.

It can be understood that, as shown in fig. 10, the step S8 specifically includes the following steps:

In the step S8, when the exporter node pays a part of the payment, the invoicing node uploads the information of the goods to be issued corresponding to the part of the payment to the block chain network, and the importer logistics node issues the goods to the importer node according to the requirement after receiving the information, and the goods can not be taken out completely until the importer node pays all the information, so that the possibility that the importer node carries the goods to escape privately is avoided, the risk of the invoicing node is reduced, the safety of the trade is improved, and the quick, safe and reliable trade activity is realized.

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 deposit under letter of credit based on blockchain, which when running on a computer performs the method for performing import deposit under letter of credit 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

1. A method for import deposit and remittance under the item of credit card based on block chain is characterized in that,

the method comprises the following steps:

2. The method for importation of credits based on block chain as claimed in claim 1,

the step S2 specifically includes the following steps:

3. The method of claim 2, wherein the import deposit under the LC is conducted based on a blockchain,

the step S3 specifically includes the following steps:

4. The method of claim 3, wherein the import deposit under the LC is conducted based on a blockchain,

the step S4 specifically includes the following steps:

5. The method of claim 4, wherein the import deposit under the LC is conducted based on a blockchain,

the step S4 further includes the steps of:

6. The method of claim 5, wherein the block chain-based import deposit under the letter of credit is performed,

the step S5 specifically includes the following steps:

7. The method of claim 6, wherein the block chain-based import deposit under the letter of credit is performed,

the step S6 specifically includes the following steps:

8. The method of claim 7, wherein the import deposit under the LC is conducted based on a blockchain,

the step S7 specifically includes the following steps:

9. The method of claim 8, wherein the block chain-based importation of credits is performed,

the step S8 specifically includes the following steps:

10. A computer-readable storage medium for executing a computer program for performing import wagering under a blockchain-based letter of credit, wherein the computer program when executed on a computer performs the method for performing import wagering under a blockchain-based letter of credit as claimed in any one of claims 1 to 9.