CN111161081B

CN111161081B - Method and storage medium for third party guarantee of Fu Fei Ting based on blockchain

Info

Publication number: CN111161081B
Application number: CN201911325382.4A
Authority: CN
Inventors: 马超群; 黄澳宇; 周中定; 李信儒; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2019-12-20
Filing date: 2019-12-20
Publication date: 2023-09-22
Anticipated expiration: 2039-12-20
Also published as: CN111161081A

Abstract

The application discloses a method for guaranteeing third party security Fei Ting based on a blockchain and a computer-readable storage medium. According to the method for carrying out third party guarantee on the basis of the blockchain Fei Ting, the electronic realization of the bill is realized by utilizing the blockchain technology, the transmission speed of the bill in the business process is increased, the loss of the bill is prevented, and the authenticity of the bill in the business process is ensured by utilizing the asymmetric encryption of the blockchain, the Hash algorithm, the digital identity and the digital signature technology. In addition, by utilizing a block chain consensus mechanism and multiparty supervision, the possibility of default of each party is reduced, and meanwhile, oracle nodes are introduced, so that the transparency of information is improved, and the financing risk caused by information deletion is reduced. And the distributed account book and the consensus mechanism of the blockchain are utilized to realize the non-tamper property and multi-party identity of the certificates and the protocols, thereby ensuring the reality and the effectiveness of the certificates and the protocols.

Description

Method and storage medium for third party guarantee of Fu Fei Ting based on blockchain

Technical Field

The application relates to the technical field of carrying out Fu Fei Ting financing in trade financing, in particular to a method for carrying out Fu Fei Ting of third party guarantee based on blockchain and a computer readable storage medium.

Background

Fu Fei Ting, also known as bill package buying or buying, refers to the posting of the distant creditor (distant/deferred payment credit card, distant business promissory note, distant bank promissory note, distant draft) by the exporting bank or financial institution without additional claims, so that the exporting bank can obtain the present money in advance. Mainly aims at medium-long term trade financing for 6 months to 5 years or even longer, and is a business with high risk and high income.

However, the conventional Fu Fei Ting financing method has the following problems:

1. bill transfer among exporters, buyers and vouchers has risks of bill loss and counterfeiting, and paper bill transfer has the defects of time and labor waste and low efficiency.

2. The contractor may not be sufficiently aware of the credit worthiness of the ticket vouchers and increase the risk to which they are subjected.

3. The exporter may have great difficulty or be unable to ensure the validity of the creditor certificate and the validity of the guarantee, so that the additional rights of the contractor to the exporter cannot be avoided.

Disclosure of Invention

The application provides a block chain-based third party guarantee method and a computer-readable storage medium, which are used for solving the technical problems of low time and labor consumption, high risk born by a buyer node, difficulty in proving the validity of a bond certificate and the validity of a guarantee by an exporter node in the existing Fu Fei Ting financing mode.

According to one aspect of the present application, there is provided a method of third party vouching Fei Ting based on blockchain, comprising the steps of:

step S1: the importer node deploys trade contracts on the blockchain, carries out Hash signature, and then uploads the trade contracts to the blockchain, and the exporter node confirms the trade contracts without errors and then carries out Hash signature confirmation;

step S2: the importer node and the guarantor node sign a guarantor agreement and upload it to the blockchain;

step S3: the exporter node and the package buyer node sign the Fu Fei Ting protocol and upload it to the blockchain;

step S4: the export node signs a freight contract with the carrier node and uploads the freight contract to the blockchain;

step S5: the export business node performs the goods export transportation activity, and the relevant information of the goods export transportation is uploaded to the blockchain;

step S6: based on the request of the exporter node, the package buyer node posts payment to the exporter node and uploads the transfer record Hash signature to the blockchain;

step S7: the importer node performs goods extraction activities, and information related to goods extraction is uploaded to a blockchain;

step S8: and after the date of acceptance is reached, the importer node pays the money and carries out Hash signature on the transfer certificate and then uploads the money to the blockchain.

Further, the step S2 specifically includes the following steps:

step S21: the importer node deploys a guarantee agreement application form on the blockchain based on trade contracts, signs the application form by using a private key Hash of the importer node and uploads the application form to the blockchain;

step S22: after the vouchers node receives the vouching protocol application on the blockchain, the vouchers node applies for checking the credit conditions of importer nodes and verifying the authenticity of the vouching protocol application information;

step S23: the Oracle node extracts the credit information of the importer node after receiving the application and verifies the authenticity of the application form information of the guarantee protocol, generates a report, confirms the report by using a private key Hash signature, sends the report to the guarantee person node, and uploads the report to the blockchain;

step S24: the guarantor node verifies the abstract of the report by using the public key of the Oracle node, determines to be sent by the Oracle node, decides whether to guarantee the report for the importer node or not based on the report content, generates a refusal notice if refused, signs by using the private key Hash, sends the notice to the importer node, and uploads the notice to the blockchain; if agreeing, the private key Hash signature is used for confirmation on the vouch-for protocol application deployed by the importer node.

Further, the step S3 specifically includes the following steps:

step S31: the exporter node deploys a Fu Fei Ting protocol on the blockchain and signs with a private key Hash;

step S32: after receiving the Fu Fei Ting protocol on the block chain, the buyer node applies for checking the credit worthiness of the guarantor node from the Oracle node;

step S33: the Oracle node extracts the credit information of the guarantor node after receiving the application, generates a report, signs the report by using a private key Hash, sends the report to the buyer node, and uploads the report to the blockchain;

step S34: the buyer node verifies the abstract of the report by using the public key of the Oracle node, determines whether the report is sent by the Oracle node, decides whether to be cooperated with the export node, generates a refusal notice if refused, signs the report by using the private key Hash, sends the report to the export node, and uploads the report to the blockchain; if so, the private key Hash signature validation is used on the Fu Fei Ting protocol deployed by the exporter node.

Further, the step S4 specifically includes the following steps:

step S41: the export node prepares for shipment, deploys a freight contract on the blockchain, performs Hash signing and then sends the freight contract to the carrier node;

step S42: the carrier node confirms the contract without error and signs the confirmation with the private key on the shipping contract after confirming the order.

Further, the step S5 specifically includes the following steps:

step S51: after the export commodity node prepares the commodity, applying for commodity inspection to the export commodity inspection bureau node, submitting the export inspection application, signing by a private key Hash, and uploading to the blockchain;

step S52: after the commodity inspection bureau node is qualified in commodity inspection, issuing a commodity inspection certificate, signing by using a private key Hash, uploading the certificate to a blockchain and notifying an exporter node;

step S53: the export business node signs the export goods customs declaration list by using a private key Hash and then uploads the export goods customs declaration list to a blockchain, and applies for customs declaration to the export customs node;

step S54: after the customs node of the exporter is subjected to field auditing and checking success, a release notice is issued, hash signature is carried out, and the release notice is uploaded to a blockchain;

step S55: the exporter node transfers goods and related receipts to a carrier Shang Jiedian, generates a private key Hash signature for a transfer notice and then uploads the private key Hash signature to a block chain;

step S56: after receiving goods and related receipts and confirming the goods and related receipts, the carrier node confirms the Hash signature on the handover notice, and meanwhile generates a bill of lading, signs the bill of lading with a private key Hash, sends the bill of lading to the carrier node and uploads the bill of lading to the blockchain.

Further, the step S6 specifically includes the following steps:

step S61: the exporter node signs related bills and bill transfer protocols by using private keys, transfers the bills and bill transfer protocols to the buyer node, and uploads the bills and bill transfer protocols to the blockchain;

step S62: the buyer node examines the bill submitted by the exporter node, after confirming the bill without errors, carries out Hash signature confirmation on the bill transfer protocol and informs a guarantee person node to fill a guarantee typeface on the bill;

step S63: after checking relevant notes, the nodes of the guarantee person check that the notes meet the requirements, filling the notes with the guarantee typeface and signing, signing by using a private key Hash, then sending to the nodes of the package buyer and recording on a blockchain;

step S64: after receiving the bill signed by the guarantee person node, the package buyer node posts payment to the export buyer node without recourse, signs the transfer record with a private key Hash and uploads the transfer record to the blockchain.

Further, the step S7 specifically includes the following steps:

step S71: after determining that the transfer of the package buyer node is finished, the exporter node confirms the Hash signature on the transfer record and deploys the information of the lader on the bill of lading, and uploads the confirmed information to the blockchain after confirming the Hash signature of the private key;

step S72: the importer node obtains the bill of lading after the signature of the exporter node, extracts the Hash signature on the bill of lading and submits an import inspection application to the importer business inspection office node;

step S73: after the importer business inspection bureau node verifies that the goods are qualified, issuing a business inspection certificate, signing the certificate by using a private key Hash, and uploading the certificate to a blockchain;

step S74: the importer node submits an import goods customs declaration to the importer customs node and uploads the import goods customs declaration to the blockchain after Hash signing by the private key;

step S75: after the customs node of the importer passes the verification, a release notice and a tax bill are opened, hash signature is carried out, and the notice and the tax bill are uploaded to a block chain;

step S76: and the importer node receives goods smoothly.

Further, the step S8 specifically includes the following steps:

step S81: after the date of acceptance is reached, the importer node pays all the goods to the guarantor node, and the transfer certificate is signed by a private key Hash and then uploaded to the blockchain;

step S82: after confirming that the importer node pays all the goods, the guarantor node signs and confirms the goods by using a private key Hash on the transfer certificate;

step S83: the guarantee person node pays due to the package buyer node, and uploads the transfer certificate to the blockchain after the transfer certificate is signed by a private key Hash;

step S84: after confirming receipt of the payment, the buyer node signs a Hash on the transfer voucher.

The present application also provides a computer readable storage medium storing a computer program for third party vouching for Fei Ting based on blockchain, which when run on a computer performs the method of third party vouching for Fei Ting based on blockchain as described above.

The application has the following beneficial effects:

according to the method for carrying out third party guarantee on the basis of the blockchain Fei Ting, the electronic realization of the bill is realized by utilizing the blockchain technology, the transmission speed of the bill in the business process is increased, the loss of the bill is prevented, and the authenticity of the bill in the business process is ensured by utilizing the asymmetric encryption of the blockchain, the Hash algorithm, the digital identity and the digital signature technology. In addition, by utilizing a block chain consensus mechanism and multiparty supervision, the possibility of default of each party is reduced, and meanwhile, oracle nodes are introduced, so that the transparency of information is improved, and the financing risk caused by information deletion is reduced. And the distributed account book and the consensus mechanism of the blockchain are utilized to realize the non-tamper property and multi-party identity of the certificates and the protocols, thereby ensuring the reality and the effectiveness of the certificates and the protocols.

In addition to the objects, features and advantages described above, the present application has other objects, features and advantages. The present application will be described in further detail with reference to the drawings.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:

FIG. 1 is a block chain network deployment diagram of a method of third party vouching for Fei Ting based on block chains in accordance with a preferred embodiment of the present application.

Fig. 2 is a schematic diagram of a business network of a method of third party vouching Fei Ting based on blockchain in accordance with a preferred embodiment of the present application.

Fig. 3 is a flow chart of a method of third party vouching Fei Ting based on blockchain in accordance with a preferred embodiment of the present application.

Fig. 4 is a schematic flow chart of step S2 in fig. 3 according to a preferred embodiment of the present application.

Fig. 5 is a schematic flow chart of step S3 in fig. 3 according to a preferred embodiment of the present application.

Fig. 6 is a schematic flow chart of step S4 in fig. 3 according to a preferred embodiment of the present application.

Fig. 7 is a schematic flow chart of step S5 in fig. 3 according to a preferred embodiment of the present application.

Fig. 8 is a schematic flow chart of step S6 in fig. 3 according to a preferred embodiment of the present application.

Fig. 9 is a schematic sub-flow chart of step S7 in fig. 3 according to a preferred embodiment of the present application.

Fig. 10 is a schematic flow chart of step S8 in fig. 3 according to a preferred embodiment of the present application.

Detailed Description

Embodiments of the application are described in detail below with reference to the attached drawing figures, but the application can be practiced in a number of different ways, as defined and covered below.

For ease of understanding, as shown in fig. 1 and 2, the multi-party nodes involved in the blockchain network in the method of third party vouching Fei Ting based on blockchains are explained below.

1. Oracle (prophetic): the platform for providing external information can allow the blockchain to be connected to any existing API, and can import, store and export information about network nodes on the blockchain, so that dynamic acquisition of the information is realized;

2. exporter node: a foreign trade company having authority to transact export business;

3. a buyers node: a bank or other financial institution that brokers the transaction of Fu Fei Ting and pays;

4. guarantor node: the importer is a bank at the place where the importer is located and bears compensation responsibility that the importer can not pay due;

5. importer business inspection bureau node: the finger inlet side is responsible for checking whether the commodity meets the detection mechanism of the import requirement;

6. importer customs node: the customs of the importer is responsible for auditing and checking the mechanism of issuing passes of the goods;

7. importer node: refers to an enterprise or business engaged in import commerce. They purchase goods from abroad and sell to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly, and transferred to other countries or regions;

8. exporter business inspection bureau node: indicating a detecting mechanism for checking whether the commodity meets the export requirement or not;

9. export customs node: the customs of the mouth party is pointed out and is responsible for auditing and checking the mechanism of the goods issuing pass;

10. carrier node: the method indicates that the importer at least engages in transportation (including transportation agency and goods express) or storage as an operation business, and 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, and the method has an information management system which is suitable for self business, and implements independent accounting and independent economic organization for bearing civil responsibility.

As shown in fig. 3, a preferred embodiment of the present application provides a method for third party vouching Fei Ting based on blockchain, comprising the steps of:

In this embodiment, the method for performing third party guarantee based on the blockchain realizes the electronization of the bill by using the blockchain technology, accelerates the transmission speed of the bill in the business process, prevents the loss of the bill, and ensures the authenticity of the bill in the business process by using the asymmetric encryption of the blockchain, the Hash algorithm, the digital identity and the digital signature technology. In addition, by utilizing a block chain consensus mechanism and multiparty supervision, the possibility of default of each party is reduced, and meanwhile, oracle nodes are introduced, so that the transparency of information is improved, and the financing risk caused by information deletion is reduced. And the distributed account book and the consensus mechanism of the blockchain are utilized to realize the non-tamper property and multi-party identity of the certificates and the protocols, thereby ensuring the reality and the effectiveness of the certificates and the protocols.

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

In the step S2, after the importer node applies for the guarantee, the sponsor node extracts the credit condition of the importer node and verifies the authenticity of the information in the guarantee protocol application through the Orcale node, which is helpful for the sponsor node to evaluate quickly and accurately, and further decides whether to provide the guarantee service for the importer node according to the evaluation result, thereby reducing the risk of the sponsor node.

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

In the step S3, after the exporter node requests to transact the service of Fu Fei Ting, the buyer node rapidly and accurately evaluates the credit worthiness of the guarantor node through the Oracle node, and then decides whether to provide the Fu Fei Ting service for the exporter node according to the evaluation result, thereby effectively reducing the financing risk of the buyer node.

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

In the step S4, both the exporter node and the carrier node need to Hash on the shipping contract and upload it to the blockchain, with non-tamper-resistance and non-repudiation.

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

In the step S5, the circulation information of the goods at the outlet side is signed by the relevant processing node and then uploaded to the blockchain, the circulation process of the goods is clear and transparent, the effective supervision of the goods by the nodes of each side is facilitated, and the risk of the buyer node is particularly reduced.

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

In the step S6, after the request of the exporter node is posted, the package buyer node requests the underwriter node to sign and seal after the bill submitted by the exporter node is checked, and pays to the exporter node, so that the financing risk of the package buyer node is reduced, and the whole process is transparent in disclosure on the blockchain, thereby being convenient for other node supervision.

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

step S76: and the importer node receives goods smoothly.

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

It will be appreciated that the second embodiment of the present application also provides a computer readable storage medium storing a computer program for third party vouching Fei Ting based on blockchain, which when run on a computer performs the method of third party vouching Fei Ting based on blockchain as described above.

Forms of general computer-readable media include: a floppy disk (floppy disk), a flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, a CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a Random Access Memory (RAM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), a 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 over a transmission medium. The term transmission medium may include any tangible or intangible medium that may be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communications signals or their communications with intangible medium that facilitate communication of such instructions. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting computer data signals.

The above description is only of the preferred embodiments of the present application and is not intended to limit the present application, but various modifications and variations can be made to the present application by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A method for third party vouching Fei Ting based on blockchain, characterized in that,

the method comprises the following steps:

step S8: after the date of acceptance is reached, the importer node pays the money and carries out Hash signature on the transfer certificate and then uploads the money to the blockchain;

the step S2 specifically includes the following steps:

step S24: the guarantor node verifies the abstract of the report by using the public key of the Oracle node, determines to be sent by the Oracle node, decides whether to guarantee the report for the importer node or not based on the report content, generates a refusal notice if refused, signs by using the private key Hash, sends the notice to the importer node, and uploads the notice to the blockchain; if yes, using a private key Hash signature to confirm on a guarantee protocol application deployed by an importer node;

the step S3 specifically comprises the following steps:

step S34: the buyer node verifies the abstract of the report by using the public key of the Oracle node, determines whether the report is sent by the Oracle node, decides whether to be cooperated with the export node, generates a refusal notice if refused, signs the report by using the private key Hash, sends the report to the export node, and uploads the report to the blockchain; if yes, using a private key Hash signature to confirm on a Fu Fei Ting protocol deployed by the exporter node;

the step S4 specifically includes the following steps:

step S42: the carrier node confirms the contract without error and confirms the contract with the private key signature on the freight contract after confirming the order;

the step S5 specifically includes the following steps:

step S56: after receiving goods and related receipts and confirming the goods and the related receipts, the carrier node confirms the Hash signature on the handover notice, and simultaneously generates a bill of lading and uses a private key Hash signature to send the bill of lading to the carrier node and upload the bill of lading to the blockchain;

the step S6 specifically includes the following steps:

step S64: after receiving the bill signed by the guarantor node, the package buyer node posts payment to the exporter node without recourse, signs the transfer record with a private key Hash and uploads the transfer record to the blockchain;

the step S7 specifically includes the following steps:

step S76: the importer node receives goods smoothly;

the step S8 specifically includes the following steps:

2. A computer readable storage medium storing a computer program for third party vouching based on a blockchain Fei Ting, wherein the computer program when run on a computer performs the method of third party vouching based on a blockchain Fei Ting as claimed in claim 1.