CN112258101A - Logistics financing processing method and storage medium based on block chain payment - Google Patents
Logistics financing processing method and storage medium based on block chain payment Download PDFInfo
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Abstract
The invention discloses a block chain-based logistics financing processing method for payment of goods and a storage medium, wherein the block chain-based logistics financing processing method for payment of goods completely publishes information on a whole industrial chain on the chain through a block chain, and the real transparency of the information is improved and the risk of a logistics company caused by the problem of credit worthiness is reduced through repeated confirmation of a plurality of nodes. In addition, the document transmission and verification process is simplified, manpower, material resources, financial resources and time cost are saved, the whole financing process is quicker, safer and more intelligent, the electronization, the falsification and the forgery of the document are realized, and the authenticity of various documents used in the business is ensured. Moreover, the transaction information of all the participating main bodies is linked, so that the whole transaction process is transparent, the supervision and the risk measurement are facilitated, the trust degree between the participating main bodies is continuously deepened, and the transaction safety is greatly improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a logistics financing processing method and a storage medium for paying a payment based on a block chain.
Background
The payment for paying the goods is that the supplier transfers the right of the goods to the bank, the bank provides financing according to certain proportion according to market conditions and pays the payment for the supplier in the purchasing direction, and after the payment is paid by the bank in the purchasing direction, the bank sends a goods release prompt to a logistics company (a third party) and returns the right of the goods to the purchasing party. The logistics company is responsible for goods transportation, storage and auction change at the same time, and assists the purchasing party to carry out goods circulation and sale.
As shown in fig. 1, the logistics company pays the buyer for the pad in the following mode: the supplier sends the goods to a warehouse designated by a third-party logistics company; the supplier opens the certificate of transferring goods right to the bank; the third-party logistics company provides the goods information to the bank, and the bank pays the payment to the supplier according to the goods information; the purchasing party also clears the loan; the bank sends a bill of lading to the purchasing party; and the bank sends a goods release prompt to the third-party logistics company node, and the third-party logistics company delivers goods according to the delivery bill and the goods release prompt of the bank.
In order to protect the logistics company from the loss caused by the behavior of the borrowing enterprise, the logistics company can not receive the guarantee money of the borrowing enterprise according to the regulations when the behavior of the borrowing enterprise is damaged.
However, the above payment transaction process has the following problems:
1. and credit risk of the buying and selling parties. In the traditional purchasing activity, two parties may have credit risk and operation risk respectively or the purchasing and the selling parties are in joint fraud, so that trust and risk problems exist on payment and delivery, and the risk of trade is increased.
2. Logistics companies credit risk. The traditional logistics financing method uses the credit of the logistics company, and once the two parties of purchase and sale do not perform or are in joint fraud and the like, the logistics company is in a weak position and losses are brought to the capital and the credit of the logistics company.
3. The purchase and sale contract involves the opening and verification of a large number of paper documents, so that the counterfeiting and tampering conditions are easy to happen; and the paper document is usually sent by mail in the transmission process, so that resources are wasted and the purchasing activity efficiency is greatly reduced.
Disclosure of Invention
The invention provides a block chain-based logistics financing processing method for underlying payment, and aims to solve the technical problems of high trade risk, low purchasing activity efficiency and high cost of each party in the existing underlying payment.
The technical scheme adopted by the invention is as follows:
a logistics financing processing method of payment based on block chain comprises the following steps:
s1: the purchasing side node and the supplier node sign the trade contract, hash the trade contract and record the hash signature to the block chain;
s2: the buyer node and the logistics company node sign a payment contract and record the signed hash to the block chain;
s3: the supplier node carries out cargo transportation activities, signs a consignment contract with the supplier logistics node, and records information related to cargo consignment to the block chain after hash signature of the related nodes;
s4: after goods are transported out, a supplier node opens a goods transfer right certificate to a related bank node and sends out a solicitation notice, a logistics company node pays a certain proportion of goods money to the supplier node through the related bank node after confirming a receipt on a block chain, meanwhile, a ramp node records related transfer records to the block chain, and all related participating nodes carry out Hash signature confirmation;
s5: the logistics company node receives the goods, generates a bill of lading, carries out Hash signature confirmation, records the bill of lading on the block chain and sends the bill of lading to the supplier node, and carries out Hash signature confirmation after the supplier node checks that the bill of lading is correct;
s6: the purchasing side node sends out a payment settlement notice to the related bank nodes, the Oracle node records the transfer records of the related bank nodes to the chain, and each related bank node sends out a delivery prompt to the logistics company node after performing hash signature confirmation;
s7: after releasing the goods, the purchasing side node carries out goods transportation activities, signs a consignment contract with the purchasing side logistics node, hashes and signs information related to goods consignment and goods inspection through related nodes and records the information to a block chain;
s8: and the related bank nodes pay the rest of all the payment to the supplier nodes and record the related transfer records to the block chain, and the logistics company nodes inform the supplier nodes to carry out hash signature after receiving the goods to confirm that the payment is received.
Further, the step S1 specifically includes the steps of:
s11, the buyer node confirms the operation condition and credit investigation condition of the supplier node needing cooperation to the third party credit worthiness organization, and the third party credit worthiness organization node generates a credit worthiness condition table about the supplier node to carry out hash signature confirmation, records the hash signature confirmation to the blockchain and sends the hash signature confirmation to the buyer node;
s12, after the buyer node confirms that the intention is correct, deploying an intention of collaboration on the blockchain, performing hash signature confirmation, recording the result on the blockchain, and sending the result to the supplier node;
s13, the supplier node confirms the operation condition and credit investigation condition of the buyer node to be cooperated to the third party credit worthiness institution, the third party credit worthiness institution node generates a credit worthiness condition table about the buyer node, carries out hash signature confirmation, records the hash signature confirmation to the block chain and sends the hash signature confirmation to the supplier node;
s14, after the supplier node confirms that the cooperation can be realized, verifying the Hash signature of the buyer node to be correct, and then performing Hash signature confirmation on the intention of cooperation;
s15, after the buyer node and the supplier node determine the cooperation intention, the buyer node deploys the trade contract on the blockchain, and sends the trade contract to the supplier node after the hash signature confirmation and records the trade contract on the blockchain;
and S16, verifying the node of the purchasing party to carry out Hash signature by the supplier node, and confirming the trade contract to be accurate and then carrying out Hash signature confirmation.
Further, the step S2 specifically includes the steps of:
s21, the purchasing side node sends the application of paying the goods to the logistics company node within the time specified by the contract: the purchasing side node deploys a payment under payment application form on the block chain, performs hash signature confirmation and sends the hash signature confirmation to the logistics company node, and sends a company chapter, financial statement and trade contract file for auditing and records the company chapter, financial statement and trade contract file on the block chain;
s22, after receiving the application form of paying the goods by the purchasing side node, the logistics company node checks the purchasing qualification and repayment ability of the purchasing side node according to the company chapters and financial statement files sent by the logistics company node;
s23, the logistics company node applies to the Oracle node to check the relevant information of the buyer node outside the chain, including tax payment, loan condition and credit rating; the Oracle node generates a qualification condition table about the purchasing party node, sends the qualification condition table to the logistics company node and records the qualification condition table on the block chain;
s24, the logistics company node determines whether to agree to pay for the purchasing party according to the evaluation results of the logistics company node and the Oracle node on the purchasing party: if the node is rejected, a rejection notice of the purchasing side node is generated; if yes, the buyer agrees to transact the payment for the pad payment and notifies the buyer node, and hash signature is carried out to confirm the payment for the pad payment application form of the buyer node;
s25, the logistics company node deploys a payment and payment service trust agreement on the blockchain to carry out Hash signature confirmation, records the Hash signature confirmation on the blockchain and sends the Hash signature confirmation to the purchasing side node, and the purchasing side node carries out Hash signature confirmation after verifying that the Hash signature is correct;
s26, the logistics company node opens a payment contract according to the payment application and trade contract of the purchasing side node, and the hash signature is carried out to confirm and store the certificate and record the certificate to the block chain;
s27, the logistics company node sends the payment contract to the notification bank node, and the notification bank node verifies that the Hash signature is correct and then confirms the Hash signature;
s28, the notification node sends the payment contract to the purchasing node, and the purchasing node verifies that the hash signature is correct and then confirms the hash signature;
and S29, the buyer node sends the payment contract to the supplier node, and the supplier node compares and checks the payment contract with the signed trade contract content and carries out Hash signature confirmation after the payment contract is confirmed to be correct.
Further, the step S3 specifically includes the steps of:
s31, after the supplier node prepares the goods, the shipment contract, the shipment commercial invoice and the packing list file are generated, Hash signature confirmation is carried out on the records to the block chain, the buyer node is informed, and after the Hash signature confirmation is carried out after the buyer node checks the error;
s32, the supplier node applies for the commodity inspection from the supplier commodity inspection office node: deploying a commodity inspection application table on the block chain, carrying out hash signature confirmation, sending the hash signature confirmation to a supplier commodity inspection bureau node, and recording the hash signature confirmation to the block chain;
s33, after the supplier commodity inspection bureau node confirms that the commodity is qualified, the Hash signature confirmation is carried out on the commodity inspection qualified application table, a commodity inspection qualified certificate, namely an inspection ticket, is issued to carry out the Hash signature confirmation and is recorded on the block chain, the supplier node is informed, and the Hash signature confirmation is carried out after the supplier node checks the commodity;
s34, the supplier node deploys a consignment contract on the blockchain, the supplier node sends the consignment contract to the supplier flow node after carrying out hash signature confirmation and records the consignment contract on the blockchain, and the supplier flow node checks that the hash signature is correct and carries out hash signature confirmation.
Further, the step between the step S33 and the step S34 further includes the steps of:
s33a, after negotiation between the supplier node and the supplier insurance company node, insuring the goods: and the supplier insurance company node generates a policy according to the quantity and quality of the goods, performs hash signature confirmation, records the hash signature confirmation on the block chain and sends the hash signature confirmation to the supplier, and the supplier node performs hash signature confirmation after checking the hash signature.
Further, step S4 specifically includes the steps of:
s41, after the goods are shipped out, the supplier node opens a goods transfer right certificate to the bargaining node and sends out a solicited notice;
s42, the logistics company node examines and checks the bills on the block chain, including packing bills, check bills and insurance bills, and after confirming the bills are consistent, the settlement and payment bank node is informed to pay the supplier node with a certain proportion of money, and after confirming that the bills are correct, the settlement and payment bank node transfers remittance to the supplier node;
s43, the Oracle node records the transfer record of remittance from the payment line node to the supplier node on the blockchain, and the supplier node performs hash signature to confirm that the remittance is received;
s44, the payment bureau node sends out a payment request notice to the payment bureau node, and the payment bureau node transfers the remittance to the payment bureau node after confirming that the receipt is correct;
s45, Oracle node records the transfer record of payment row to the payment agenda node, and the payment agenda node carries out hash signature to confirm that the payment is received.
Further, the step S6 specifically includes the steps of:
s61, the purchasing side node pays all the payment and sends out a notice of payment settlement to the paying bank;
s62, the Oracle node records the transfer record of the remittance from the purchasing node to the payment advocacy node on the blockchain, and the payment advocacy node carries out Hash signature to confirm that the payment is received and transfers the payment to the payment bank node;
s63, the Oracle node records the transfer record of the money transferred from the bargaining bank node to the payor node on the blockchain, and the payor node performs hash signature to confirm that the payment is received and sends a delivery prompt to the logistics company node.
Further, the step S7 specifically includes the steps of:
s71, the logistics company node releases goods, generates a transportation list, carries out Hash signature confirmation, records the Hash signature confirmation on the block chain, informs the purchasing side node, and carries out Hash signature confirmation after the purchasing side node verifies that the transportation list is correct;
s72, the purchasing side node deploys a consignment contract on the blockchain, the purchasing side node sends the consignment contract to the purchasing side logistics node after performing hash signature confirmation and records the consignment contract on the blockchain, and the purchasing side logistics node performs hash signature confirmation after checking that the hash signature is correct;
s73, the purchasing side node receives the goods and applies for the commodity inspection to the purchasing side commodity inspection office node: deploying a commodity inspection application table on the block chain, carrying out hash signature confirmation, sending the hash signature confirmation to a purchasing side commodity inspection bureau node, and recording the hash signature confirmation to the block chain;
s74, after the commodity inspection bureau confirms that the commodity is qualified, carrying out Hash signature confirmation on the commodity inspection qualified application form, issuing a commodity inspection qualified certificate, namely an inspection list, carrying out Hash signature confirmation, recording the Hash signature confirmation on the block chain, and informing a purchasing party node; verifying that the Hash signature is correct by the purchasing side node and then confirming the Hash signature;
and S75, the purchasing side node generates a bill, performs hash signature confirmation, records the bill on the block chain, sends the bill to the logistics company node, and performs hash signature confirmation after the logistics company node checks the bill.
Further, the step S8 specifically includes the steps of:
s81, the paying bank node pays the rest of the goods to the supplier node and sends a notice of ending the goods to the supplier node;
s82, Oracle node records the transfer record of remittance from the payment bank node to the supplier node to the blockchain, and the supplier node performs hash signature to confirm that the payment is received.
The invention provides a storage medium, which comprises a stored program, and is characterized in that when the program runs, a device where the storage medium is located is controlled to execute the logistics financing processing method based on the block chain payment.
The invention has the following beneficial effects:
the logistics financing processing method of the payment under charge based on the block chain completely publishes all information on an industrial chain in the whole payment under charge process on the chain by utilizing the block chain technology, and improves the real transparency and the whole integrity of the information through a common identification mechanism and repeated confirmation of a plurality of key nodes, ensures that the information cannot be forged and falsified, and reduces the credit risk of a logistics company caused by the credit problems of both purchasing and selling parties. Meanwhile, the technology of combining distributed accounting of the block chain and an intelligent contract replaces the processes of examining, making an order, telegraph, mailing and the like of a large amount of manpower and time occupied in the traditional settlement process, so that the efficiency of the trade is greatly improved, the transmission and the examination process of the document are simplified, the manpower, material resources, financial resources and time cost are saved, and a plurality of complicated processes in the middle of the trade are simplified; the default and the fraud possibility of both the purchasing and the selling parties are reduced, the trust and the risk problems on payment and delivery are solved, and the trust degree of both the transaction parties is improved; the risk born by the logistics company is reduced, and the credit of the logistics company is protected; the capital occupation is reduced; the cash flow is improved, so that the whole financing process is quicker, safer and more intelligent.
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 accompanying 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 schematic diagram of a payment by pad business network in the existing logistics financing.
Fig. 2 is a block chain network deployment diagram of a logistics financing processing method based on block chain payment of the preferred embodiment of the invention.
Fig. 3 is a schematic view of a service network of a logistics financing processing method based on block chain payment of the preferred embodiment of the invention.
Fig. 4 is a flow chart of a logistics financing processing method based on block chain payment of the preferred embodiment of the 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 schematic diagram of step S33a between step S33 and step S34 in fig. 7 according to the preferred embodiment of the present invention.
Fig. 9 is a sub-flowchart of step S4 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 10 is a sub-flowchart of step S6 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 11 is a sub-flowchart of step S7 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 12 is a sub-flowchart of step S8 in fig. 4 according to the preferred embodiment of the present invention.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
For convenience of understanding, as shown in fig. 2 and 3, the following explains a multi-party node involved in a block chain network in a logistics financing processing method based on a block chain payment.
The multi-party nodes involved in the blockchain network in (1) are explained.
1. Oracle (prophetic machine): a platform for providing external information, which can allow the block chain to be connected to any existing API, and can import, store and export information related to network nodes on the block chain, thereby realizing dynamic acquisition of the information;
2. buyer (applicant) node: the applicant (application) refers to a party that requests payment for a pad. In the procurement logistics, the buyer is usually applied for payment of the pad to the logistics company according to the payment conditions established by the trade contract.
3. Logistics company (fourth logistics) node: the logistics company (logistics company) refers to the party that pays for the items on request of the applicant or on behalf of the applicant. Logistics companies are often partners of purchasing parties. The logistics company has a first payment responsibility, and therefore, the logistics company plays the most important role in the payment-by-pad transaction.
4. And (3) a payment bank node: it is the payment bank designated on the purchase and sale contract. The paying bank is usually the drafter of the draft and is also called the drafter. It is generally a bank designated by the logistics company and is determined according to the provision of the terms of the purchase and sale contract.
5. Provider (beneficiary) node: beneficiaries (enerciax) refer to the parties who receive the commercial drafts and enjoy their interests. Generally, the beneficiary is mostly a seller or supplier who has the right to use or enjoy the benefits of the commercial draft, and is therefore called a beneficiary.
6. The notification row node: the advising bank is a bank that notifies the supplier of the commercial draft in response to the request of the payment bank. The commercial draft can be directly mailed to beneficiaries by payers, but because the bank has seal and confidentiality relationship, the authenticity of the commercial draft is verified by the bank, which is beneficial to protecting the rights and interests of the beneficiaries. Therefore, most commercial drafts are notified by a notification.
7. And (3) a pay line node: the payment agreement refers to the act of the payment bank (paying bank) under a matching delivery order, prepaying or agreeing to prepay payment to the beneficiary on or before the day of the week on which the payment should be made, thereby purchasing money orders and/or documents. Additionally, the money order payor must be a bank, but cannot be made to act as a payer in an agreed upon manner.
8. 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.
9. Supplier insurance company node: refers to a company where a supplier provides insurance services for freight and the like.
10. Provider merchant bureau node: refers to a detection mechanism for checking whether the goods meet the supply requirement.
11. Supplier logistics (third party logistics) node: the system is characterized in that a supplier at least engages in one operation business of transportation (including transport agency and goods express) 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 own business, and is an economic organization for independently accounting and independently bearing civil responsibility;
12. buyer's business inspection bureau node: the buyer is responsible for checking whether the commodity meets the purchasing requirement;
13. buyer logistics (third party logistics) node: the system is characterized in that a purchasing party at least engages in one operation business of transportation (including transport agency and goods express) 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 own business, and is an economic organization for independently accounting and independently bearing civil responsibility;
the block chain in the above embodiments may specifically refer to a P2P network system with a distributed data storage structure, which is achieved by a consensus mechanism, where data in the block chain is distributed in temporally consecutive blocks (blocks), and the latter block contains data digests of the former block, and full backup of data of all or part of nodes is achieved according to different specific consensus mechanisms (such as POW, POS, DPOS, PBFT, and so on). It is well known to those skilled in the art that, since the blockchain system operates under a corresponding consensus mechanism, data that has been included in the blockchain database is difficult to be tampered with by any node, for example, a blockchain with Pow consensus is adopted, and it is possible to tamper with existing data only by an attack that requires at least 51% of effort on the whole network, so that the blockchain system has characteristics that other centralized database systems cannot reasonably guarantee data security and tamper resistance. It can be seen that in the embodiments provided herein, remittance transactions and other transactions that are included in the distributed databases of the blockchain are not susceptible to attack or tampering, thereby proving the transactions issued to the distributed databases of the blockchain.
As shown in fig. 4, a logistics financing processing method based on block chain payment of a payment for goods includes the steps of:
s1: the purchasing side node and the supplier node sign the trade contract, hash the trade contract and record the hash signature to the block chain;
s2: the buyer node and the logistics company node sign a payment contract and record the signed hash to the block chain;
s3: the supplier node carries out cargo transportation activities, signs a consignment contract with the supplier logistics node, and records information related to cargo consignment to the block chain after hash signature of the related nodes;
s4: after goods are transported out, a supplier node opens a goods transfer right certificate to a related bank node and sends out a solicitation notice, a logistics company node pays a certain proportion of goods money to the supplier node through the related bank node after confirming a receipt on a block chain, meanwhile, an Oracle node records a related transfer record to the block chain, and all related participating nodes carry out Hash signature confirmation;
s5: the logistics company node receives the goods, generates a bill of lading, carries out Hash signature confirmation, records the bill of lading on the block chain and sends the bill of lading to the supplier node, and carries out Hash signature confirmation after the supplier node checks that the bill of lading is correct;
s6: the purchasing side node sends out a payment settlement notice to the related bank nodes, the Oracle node records the transfer records of the related bank nodes to the chain, and each related bank node sends out a delivery prompt to the logistics company node after performing hash signature confirmation;
s7: after releasing the goods, the purchasing side node carries out goods transportation activities, signs a consignment contract with the purchasing side logistics node, hashes and signs information related to goods consignment and goods inspection through related nodes and records the information to a block chain;
s8: and the related bank nodes pay the rest of all the payment to the supplier nodes and record the related transfer records to the block chain, and the logistics company nodes inform the supplier nodes to carry out hash signature after receiving the goods to confirm that the payment is received.
According to the logistics financing processing method of the payment for the pad based on the block chain, all information on an industrial chain in the whole payment for the pad is completely published on the chain by using the block chain technology, and the true transparency and the whole integrity of the information are improved through a common identification mechanism and repeated confirmation of a plurality of key nodes, so that the information cannot be forged and falsified, and the credit risk of a logistics company caused by the credit problems of both purchasing and selling parties of the logistics company is reduced. Meanwhile, the technology of combining distributed accounting of the block chain and an intelligent contract replaces the processes of examining, making an order, telegraph, mailing and the like of a large amount of manpower and time occupied in the traditional settlement process, so that the efficiency of the trade is greatly improved, the transmission and the examination process of the document are simplified, the manpower, material resources, financial resources and time cost are saved, and a plurality of complicated processes in the middle of the trade are simplified; the default and the fraud possibility of both the purchasing and the selling parties are reduced, the trust and the risk problems on payment and delivery are solved, and the trust degree of both the transaction parties is improved; the risk born by the logistics company is reduced, and the credit of the logistics company is protected; the capital occupation is reduced; the cash flow is improved, so that the whole financing process is quicker, safer and more intelligent.
Specifically, as shown in fig. 5, the step S1 specifically includes the steps of:
s11, the buyer node confirms the operation condition and credit investigation condition of the supplier node needing cooperation to the third party credit worthiness organization, and the third party credit worthiness organization node generates a credit worthiness condition table about the supplier node to carry out hash signature confirmation, records the hash signature confirmation to the blockchain and sends the hash signature confirmation to the buyer node;
s12, after the buyer node confirms that the intention is correct, deploying an intention of collaboration on the blockchain, performing hash signature confirmation, recording the result on the blockchain, and sending the result to the supplier node;
s13, the supplier node confirms the operation condition and credit investigation condition of the buyer node to be cooperated to the third party credit worthiness institution, the third party credit worthiness institution node generates a credit worthiness condition table about the buyer node, carries out hash signature confirmation, records the hash signature confirmation to the block chain and sends the hash signature confirmation to the supplier node;
s14, after the supplier node confirms that the cooperation can be realized, verifying the Hash signature of the buyer node to be correct, and then performing Hash signature confirmation on the intention of cooperation;
s15, after the buyer node and the supplier node determine the cooperation intention, the buyer node deploys the trade contract on the blockchain, and sends the trade contract to the supplier node after the hash signature confirmation and records the trade contract on the blockchain;
and S16, verifying the node of the purchasing party to carry out Hash signature by the supplier node, and confirming the trade contract to be accurate and then carrying out Hash signature confirmation.
In step S1 in this embodiment, the trade contract is subjected to Hash signature by the buyer node and the supplier node and then uploaded to the block chain, so as to prevent the contract from being tampered and facilitate supervision by other nodes.
Specifically, as shown in fig. 6, the step S2 specifically includes the steps of:
s21, the purchasing side node sends the application of paying the goods to the logistics company node within the time specified by the contract: the purchasing side node deploys a payment under payment application form on the block chain, performs hash signature confirmation and sends the hash signature confirmation to the logistics company node, and sends a company chapter, financial statement and trade contract file for auditing and records the company chapter, financial statement and trade contract file on the block chain;
s22, after receiving the application form of paying the goods by the purchasing side node, the logistics company node checks the purchasing qualification and repayment ability of the purchasing side node according to the company chapters and financial statement files sent by the logistics company node;
s23, the logistics company node applies to the Oracle node to check the relevant information of the buyer node outside the chain, including tax payment, loan condition and credit rating; the Oracle node generates a qualification condition table about the purchasing party node, sends the qualification condition table to the logistics company node and records the qualification condition table on the block chain;
s24, the logistics company node determines whether to agree to pay for the purchasing party according to the evaluation results of the logistics company node and the Oracle node on the purchasing party: if the node is rejected, a rejection notice of the purchasing side node is generated; if yes, the buyer agrees to transact the payment for the pad payment and notifies the buyer node, and hash signature is carried out to confirm the payment for the pad payment application form of the buyer node;
s25, the logistics company node deploys a payment and payment service trust agreement on the blockchain to carry out Hash signature confirmation, records the Hash signature confirmation on the blockchain and sends the Hash signature confirmation to the purchasing side node, and the purchasing side node carries out Hash signature confirmation after verifying that the Hash signature is correct;
s26, the logistics company node opens a payment contract according to the payment application and trade contract of the purchasing side node, and the hash signature is carried out to confirm and store the certificate and record the certificate to the block chain;
s27, the logistics company node sends the payment contract to the notification bank node, and the notification bank node verifies that the Hash signature is correct and then confirms the Hash signature;
s28, the notification node sends the payment contract to the purchasing node, and the purchasing node verifies that the hash signature is correct and then confirms the hash signature;
and S29, the buyer node sends the payment contract to the supplier node, and the supplier node compares and checks the payment contract with the signed trade contract content and carries out Hash signature confirmation after the payment contract is confirmed to be correct.
In step S2 in this embodiment, the payment under charge contract is subjected to Hash signature by the purchasing node, the logistics company node, and then uploaded to the block chain, so as to prevent the contract from being tampered and facilitate supervision by other nodes.
Specifically, as shown in fig. 7, the step S3 specifically includes the steps of:
s31, after the supplier node prepares the goods, the shipment contract, the shipment commercial invoice and the packing list file are generated, Hash signature confirmation is carried out on the records to the block chain, the buyer node is informed, and after the Hash signature confirmation is carried out after the buyer node checks the error;
s32, the supplier node applies for the commodity inspection from the supplier commodity inspection office node: deploying a commodity inspection application table on the block chain, carrying out hash signature confirmation, sending the hash signature confirmation to a supplier commodity inspection bureau node, and recording the hash signature confirmation to the block chain;
s33, after the supplier commodity inspection bureau node confirms that the commodity is qualified, the Hash signature confirmation is carried out on the commodity inspection qualified application table, a commodity inspection qualified certificate, namely an inspection ticket, is issued to carry out the Hash signature confirmation and is recorded on the block chain, the supplier node is informed, and the Hash signature confirmation is carried out after the supplier node checks the commodity;
s34, the supplier node deploys a consignment contract on the blockchain, the supplier node sends the consignment contract to the supplier flow node after carrying out hash signature confirmation and records the consignment contract on the blockchain, and the supplier flow node checks that the hash signature is correct and carries out hash signature confirmation.
In step S3 in this embodiment, the shipping contract of the provider node is subjected to Hash signature by the provider node, the provider logistics node, and the provider inspection office node, and then uploaded to the block chain, so as to prevent the contract from being tampered and facilitate supervision by other nodes.
Specifically, as shown in fig. 8, the method between step S33 and step S34 further includes the steps of:
s33a, after negotiation between the supplier node and the supplier insurance company node, insuring the goods: and the supplier insurance company node generates a policy according to the quantity and quality of the goods, performs hash signature confirmation, records the hash signature confirmation on the block chain and sends the hash signature confirmation to the supplier node, and the supplier node performs hash signature confirmation after checking the hash signature.
In step S33a in this embodiment, the policy is jointly Hash-signed by the provider node and the provider insurance company node and then uploaded to the block chain, so as to prevent the policy from being tampered and facilitate supervision by other nodes.
Specifically, as shown in fig. 9, step S4 specifically includes the steps of:
s41, after the goods are shipped out, the supplier node opens a goods transfer right certificate to the bargaining node and sends out a solicited notice;
s42, the logistics company node examines and checks the bills on the block chain, including packing bills, check bills and insurance bills, and after confirming the bills are consistent, the settlement and payment bank node is informed to pay the supplier node with a certain proportion of money, and after confirming that the bills are correct, the settlement and payment bank node transfers remittance to the supplier node;
s43, the Oracle node records the transfer record of remittance from the payment line node to the supplier node on the blockchain, and the supplier node performs hash signature to confirm that the remittance is received;
s44, the payment bureau node sends out a payment request notice to the payment bureau node, and the payment bureau node transfers the remittance to the payment bureau node after confirming that the receipt is correct;
s45, Oracle node records the transfer record of payment row to the payment agenda node, and the payment agenda node carries out hash signature to confirm that the payment is received.
In step S4 in this embodiment, the transfer record is subjected to Hash signature by the logistics company node, the Oracle node, the agenda node, and the payline node, and then uploaded to the block chain, so as to prevent the transfer record from being tampered and facilitate supervision by other nodes.
Specifically, as shown in fig. 10, the step S6 specifically includes the steps of:
s61, the purchasing side node pays all the payment and sends out a notice of payment settlement to the paying bank;
s62, the Oracle node records the transfer record of the remittance from the purchasing node to the payment advocacy node on the blockchain, and the payment advocacy node carries out Hash signature to confirm that the payment is received and transfers the payment to the payment bank node;
s63, the Oracle node records the transfer record of the money transferred from the bargaining bank node to the payor node on the blockchain, and the payor node performs hash signature to confirm that the payment is received and sends a delivery prompt to the logistics company node.
In step S6 in this embodiment, the transfer record is subjected to Hash signature by the logistics company node, the Oracle node, the agenda node, and the payline node, and then uploaded to the block chain, so as to prevent the transfer record from being tampered and facilitate supervision by other nodes.
Specifically, as shown in fig. 11, the step S7 specifically includes the steps of:
s71, the logistics company node releases goods, generates a transportation list, carries out Hash signature confirmation, records the Hash signature confirmation on the block chain, informs the purchasing side node, and carries out Hash signature confirmation after the purchasing side node verifies that the transportation list is correct;
s72, the purchasing side node deploys a consignment contract on the blockchain, the purchasing side node sends the consignment contract to the purchasing side logistics node after performing hash signature confirmation and records the consignment contract on the blockchain, and the purchasing side logistics node performs hash signature confirmation after checking that the hash signature is correct;
s73, the purchasing side node receives the goods and applies for the commodity inspection to the purchasing side commodity inspection office node: deploying a commodity inspection application table on the block chain, carrying out hash signature confirmation, sending the hash signature confirmation to a purchasing side commodity inspection bureau node, and recording the hash signature confirmation to the block chain;
s74, after the commodity inspection bureau confirms that the commodity is qualified, carrying out Hash signature confirmation on the commodity inspection qualified application form, issuing a commodity inspection qualified certificate, namely an inspection list, carrying out Hash signature confirmation, recording the Hash signature confirmation on the block chain, and informing a purchasing party node; verifying that the Hash signature is correct by the purchasing side node and then confirming the Hash signature;
and S75, the purchasing side node generates a bill, performs hash signature confirmation, records the bill on the block chain, sends the bill to the logistics company node, and performs hash signature confirmation after the logistics company node checks the bill.
In step S7 in this embodiment, the shipping contract and the bill of lading of the purchasing node are jointly Hash-signed by the purchasing node, the purchasing logistics node, the purchasing merchant authority node, and the logistics company node, and then uploaded to the block chain, so as to prevent the contract and the bill from being tampered and facilitate the supervision of other nodes.
Specifically, as shown in fig. 12, the step S8 specifically includes the steps of:
s81, the paying bank node pays the rest of the goods to the supplier node and sends a notice of ending the goods to the supplier node;
s82, Oracle node records the transfer record of remittance from the payment bank node to the supplier node to the blockchain, and the supplier node performs hash signature to confirm that the payment is received.
In step S8, after the payor node performs hash signature verification based on the logistics company node, the payor node pays all the remaining money to the provider node and sends a notification of settled money to the provider node to prevent the situation that the buyer node does not pay the remaining money after once taking the goods away, thereby reducing the financing risk of the payor node, and the Oracle node records the transfer record of remittance from the payor node to the provider node on the blockchain, and the provider node performs hash signature verification that the money has been received, and the process of settled money is transparent on the chain, so that the process of remittance from the payor node to the provider node is effectively monitored.
In another aspect, a preferred embodiment of the present invention provides a storage medium, where the storage medium includes a stored program, and when the program runs, the storage medium controls a device on which the storage medium is located to execute the logistics financing processing method based on block chain payment.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
The functions of the method of the present embodiment, if implemented in the form of software functional units and sold or used as independent products, may be stored in one or more storage media readable by a computing device. Based on such understanding, part of the contribution of the embodiments of the present invention to the prior art or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device, a network device, or the like) to execute all or part of the steps of the method described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
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 logistics financing processing method for paying a payment based on a block chain is characterized by comprising the following steps:
s1: the purchasing side node and the supplier node sign the trade contract, hash the trade contract and record the hash signature to the block chain;
s2: the buyer node and the logistics company node sign a payment contract and record the signed hash to the block chain;
s3: the supplier node carries out cargo transportation activities, signs a consignment contract with the supplier logistics node, and records information related to cargo consignment to the block chain after hash signature of the related nodes;
s4: after goods are transported out, a supplier node opens a goods transfer right certificate to a related bank node and sends out a solicitation notice, a logistics company node pays a certain proportion of goods money to the supplier node through the related bank node after confirming a receipt on a block chain, meanwhile, a ramp node records related transfer records to the block chain, and all related participating nodes carry out Hash signature confirmation;
s5: the logistics company node receives the goods, generates a bill of lading, carries out Hash signature confirmation, records the bill of lading on the block chain and sends the bill of lading to the supplier node, and carries out Hash signature confirmation after the supplier node checks that the bill of lading is correct;
s6: the purchasing side node sends out a payment settlement notice to the related bank nodes, the Oracle node records the transfer records of the related bank nodes to the chain, and each related bank node sends out a delivery prompt to the logistics company node after performing hash signature confirmation;
s7: after releasing the goods, the purchasing side node carries out goods transportation activities, signs a consignment contract with the purchasing side logistics node, hashes and signs information related to goods consignment and goods inspection through related nodes and records the information to a block chain;
s8: and the related bank nodes pay the rest of all the payment to the supplier nodes and record the related transfer records to the block chain, and the logistics company nodes inform the supplier nodes to carry out hash signature after receiving the goods to confirm that the payment is received.
2. The logistics financing method for pad payment based on block chain as claimed in claim 1, wherein the step S1 specifically comprises the steps of:
s11, the buyer node confirms the operation condition and credit investigation condition of the supplier needing cooperation to the third party credit worthiness organization, the third party credit worthiness organization node generates a credit worthiness condition table about the supplier node to carry out hash signature confirmation record to the block chain and sends the check record to the buyer node;
s12, after the buyer node confirms that the intention is correct, deploying an intention of collaboration on the blockchain, performing hash signature confirmation, recording the result on the blockchain, and sending the result to the supplier node;
s13, the supplier node confirms the operation condition and credit investigation condition of the buyer node to be cooperated to the third party credit worthiness institution, the third party credit worthiness institution node generates a credit worthiness condition table about the buyer node, carries out hash signature confirmation, records the hash signature confirmation to the block chain and sends the hash signature confirmation to the supplier node;
s14, after the supplier node confirms that the cooperation can be realized, verifying the Hash signature of the buyer node to be correct, and then performing Hash signature confirmation on the intention of cooperation;
s15, after the buyer node and the supplier node determine the cooperation intention, the buyer node deploys the trade contract on the blockchain, and sends the trade contract to the supplier node after the hash signature confirmation and records the trade contract on the blockchain;
and S16, verifying the node of the purchasing party to carry out Hash signature by the supplier node, and confirming the trade contract to be accurate and then carrying out Hash signature confirmation.
3. The logistics financing method for pad payment based on block chain as claimed in claim 1, wherein the step S2 specifically comprises the steps of:
s21, the purchasing side node sends the application of paying the goods to the logistics company node within the time specified by the contract: the purchasing side node deploys a payment under payment application form on the block chain, performs hash signature confirmation and sends the hash signature confirmation to the logistics company node, and sends a company chapter, financial statement and trade contract file for auditing and records the company chapter, financial statement and trade contract file on the block chain;
s22, after receiving the application form of paying the goods by the purchasing side node, the logistics company node checks the purchasing qualification and repayment ability of the purchasing side node according to the company chapters and financial statement files sent by the logistics company node;
s23, the logistics company node applies to the Oracle node to check the relevant information of the buyer node outside the chain, including tax payment, loan condition and credit rating; the Oracle node generates a qualification condition table about the purchasing party node, sends the qualification condition table to the logistics company node and records the qualification condition table on the block chain;
s24, the logistics company node determines whether to agree to pay for the purchasing party according to the evaluation results of the logistics company node and the Oracle node on the purchasing party: if the node is rejected, a rejection notice of the purchasing side node is generated; if yes, the buyer agrees to transact the payment for the pad payment and notifies the buyer node, and hash signature is carried out to confirm the payment for the pad payment application form of the buyer node;
s25, the logistics company node deploys a payment and payment service trust agreement on the blockchain to carry out Hash signature confirmation, records the Hash signature confirmation on the blockchain and sends the Hash signature confirmation to the purchasing side node, and the purchasing side node carries out Hash signature confirmation after verifying that the Hash signature is correct;
s26, the logistics company node opens a payment contract according to the payment application and trade contract of the purchasing side node, and the hash signature is carried out to confirm and store the certificate and record the certificate to the block chain;
s27, the logistics company node sends the payment contract to the notification bank node, and the notification bank node verifies that the Hash signature is correct and then confirms the Hash signature;
s28, the notification node sends the payment contract to the purchasing node, and the purchasing node verifies that the hash signature is correct and then confirms the hash signature;
and S29, the buyer node sends the payment contract to the supplier node, and the supplier node compares and checks the payment contract with the signed trade contract content and carries out Hash signature confirmation after the payment contract is confirmed to be correct.
4. The logistics financing method for pad payment based on block chain as claimed in claim 3, wherein the step S3 specifically comprises the steps of:
s31, after the supplier node prepares the goods, the shipment contract, the shipment commercial invoice and the packing list file are generated, Hash signature confirmation is carried out on the records to the block chain, the buyer node is informed, and after the Hash signature confirmation is carried out after the buyer node checks the error;
s32, the supplier node applies for the commodity inspection from the supplier commodity inspection office node: deploying a commodity inspection application table on the block chain, carrying out hash signature confirmation, sending the hash signature confirmation to a supplier commodity inspection bureau node, and recording the hash signature confirmation to the block chain;
s33, after the supplier commodity inspection bureau node confirms that the commodity is qualified, the Hash signature confirmation is carried out on the commodity inspection qualified application table, a commodity inspection qualified certificate, namely an inspection ticket, is issued to carry out the Hash signature confirmation and is recorded on the block chain, the supplier node is informed, and the Hash signature confirmation is carried out after the supplier node checks the commodity;
s34, the supplier node deploys a consignment contract on the blockchain, the supplier node sends the consignment contract to the supplier flow node after carrying out hash signature confirmation and records the consignment contract on the blockchain, and the supplier flow node checks that the hash signature is correct and carries out hash signature confirmation.
5. The logistics financing method for pad payment based on block chain as claimed in claim 4, further comprising between the step S33 and the step S34 the steps of:
s33a, after negotiation between the supplier node and the supplier insurance company node, insuring the goods: and the supplier insurance company node generates a policy according to the quantity and quality of the goods, performs hash signature confirmation, records the hash signature confirmation on the block chain and sends the hash signature confirmation to the supplier node, and the supplier node performs hash signature confirmation after checking the hash signature.
6. The logistics financing method for pad payment based on block chain as claimed in claim 1, wherein the step S4 specifically comprises the steps of:
s41, after the goods are shipped out, the supplier node opens a goods transfer right certificate to the bargaining node and sends out a solicited notice;
s42, the logistics company node examines and checks the bills on the block chain, including packing bills, check bills and insurance bills, and after confirming the bills are consistent, the settlement and payment bank node is informed to pay the supplier node with a certain proportion of money, and after confirming that the bills are correct, the settlement and payment bank node transfers remittance to the supplier node;
s43, the Oracle node records the transfer record of remittance from the payment line node to the supplier node on the blockchain, and the supplier node performs hash signature to confirm that the remittance is received;
s44, the payment bureau node sends out a payment request notice to the payment bureau node, and the payment bureau node transfers the remittance to the payment bureau node after confirming that the receipt is correct;
s45, Oracle node records the transfer record of payment row to the payment agenda node, and the payment agenda node carries out hash signature to confirm that the payment is received.
7. The logistics financing method for pad payment based on block chain as claimed in claim 1, wherein the step S6 specifically comprises the steps of:
s61, the purchasing side node pays all the payment and sends out a notice of payment settlement to the paying bank;
s62, the Oracle node records the transfer record of the remittance from the purchasing node to the payment advocacy node on the blockchain, and the payment advocacy node carries out Hash signature to confirm that the payment is received and transfers the payment to the payment bank node;
s63, the Oracle node records the transfer record of the money transferred from the bargaining bank node to the payor node on the blockchain, and the payor node performs hash signature to confirm that the payment is received and sends a delivery prompt to the logistics company node.
8. The logistics financing method for pad payment based on block chain as claimed in claim 1, wherein the step S7 specifically comprises the steps of:
s71, the logistics company node releases goods, generates a transportation list, carries out Hash signature confirmation, records the Hash signature confirmation on the block chain, informs the purchasing side node, and carries out Hash signature confirmation after the purchasing side node verifies that the transportation list is correct;
s72, the purchasing side node deploys a consignment contract on the blockchain, the purchasing side node sends the consignment contract to the purchasing side logistics node after performing hash signature confirmation and records the consignment contract on the blockchain, and the purchasing side logistics node performs hash signature confirmation after checking that the hash signature is correct;
s73, the purchasing side node receives the goods and applies for the commodity inspection to the purchasing side commodity inspection office node: deploying a commodity inspection application table on the block chain, carrying out hash signature confirmation, sending the hash signature confirmation to a purchasing side commodity inspection bureau node, and recording the hash signature confirmation to the block chain;
s74, after the commodity inspection bureau confirms that the commodity is qualified, carrying out Hash signature confirmation on the commodity inspection qualified application form, issuing a commodity inspection qualified certificate, namely an inspection list, carrying out Hash signature confirmation, recording the Hash signature confirmation on the block chain, and informing a purchasing party node; verifying that the Hash signature is correct by the purchasing side node and then confirming the Hash signature;
and S75, the purchasing side node generates a bill, performs hash signature confirmation, records the bill on the block chain, sends the bill to the logistics company node, and performs hash signature confirmation after the logistics company node checks the bill.
9. The logistics financing method for pad payment based on block chain as claimed in claim 1, wherein the step S8 specifically comprises the steps of:
s81, the paying bank node pays the rest of the goods to the supplier node and sends a notice of ending the goods to the supplier node;
s82, Oracle node records the transfer record of remittance from the payment bank node to the supplier node to the blockchain, and the supplier node performs hash signature to confirm that the payment is received.
10. A storage medium including a stored program, characterized in that, when the program is executed, a device in which the storage medium is located is controlled to execute the logistics financing processing method based on block chain payment according to any one of claims 1 to 9.
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| CN113674090A (en) * | 2021-08-23 | 2021-11-19 | 湖南大学 | Block chain-based dynamic mortgage supervision method, system, equipment and storage medium |
| CN113674090B (en) * | 2021-08-23 | 2023-09-26 | 湖南大学 | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain |
| CN113643124A (en) * | 2021-08-27 | 2021-11-12 | 湖南大学 | Block chain-based domestic seller bill insurance financing method, equipment and storage medium |
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