CN112258101B - Logistics financing processing method and storage medium for pad payment based on blockchain - Google Patents
Logistics financing processing method and storage medium for pad payment based on blockchain Download PDFInfo
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
- G06Q10/083—Shipping
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a logistics financing processing method and a storage medium for pad payment based on a blockchain. In addition, the bill conveying and checking process is simplified, the manpower, material resources, financial resources and time cost are saved, the whole financing process is quicker, safer and more intelligent, the electronization of the bill and the falsification and counterfeiting are realized, and the authenticity of various bills used in the business is ensured. And all the transaction information of the participating subjects are uplink, so that the whole transaction process is transparent, the supervision is convenient, the systematic risk measurement is convenient, the trust degree among the participating subjects is continuously deepened, and the transaction safety is greatly improved.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to a logistics financing processing method and a storage medium for pad payment based on a blockchain.
Background
The payment is that the supplier transfers the goods right to the bank, the bank provides financing according to the market condition according to a certain proportion to pay the goods for the supplier in the purchasing direction, when the purchasing direction bank pays the loan, the bank sends a put prompt to the logistics company (third party) to return the goods right to the purchasing direction. The logistics company is simultaneously responsible for cargo transportation, storage and auction and helps the purchasing party to conduct cargo circulation and sales.
As shown in fig. 1, the logistic company pays for the purchase to make a pad in the following manner: the suppliers send the goods to a warehouse appointed by a third party logistics company; the supplier opens a transfer right certificate to the bank; the third party logistics company provides goods information to the bank, and the bank pays money to the supplier according to the goods information; the purchasing side clears the loan; the bank gives a bill of lading to the purchasing party; the bank sends out a goods placing prompt to the node of the third party logistics company, and the third party logistics company places goods according to the bill of lading and the goods placing prompt of the bank.
In order to protect the logistics company from being lost due to the behavior of the borrowing enterprise, the logistics company can receive the deposit of the borrowing enterprise according to the regulations when the behavior of the borrowing enterprise is damaged.
However, the above-described pad payment transaction process has the following problems:
1. and (5) credit risk of both purchasing and selling parties. In traditional purchasing activities, both parties may have credit risk and business risk or the combination of both parties in purchase and sale is fraudulent, and there are trust and risk problems in payment and delivery, increasing the risk of trade.
2. The logistic company credit risk. The traditional logistics financing uses the credit of a logistics company, once the conditions of no performance or combined fraud and the like occur on both buying and selling parties, the logistics company is in a weakness state, and the money and the credit of the logistics company are lost.
3. The purchase and sale contract involves the opening and verification of a large number of paper documents, and the situation of counterfeiting and falsification is easy to exist; and the paper bill is usually sent by mail in the transmission process, which wastes resources and greatly reduces the efficiency of purchasing activities.
Disclosure of Invention
The invention provides a logistics financing processing method for pad payment based on a blockchain, which aims to solve the technical problems of high trade risk, low purchasing activity efficiency and high cost of all parties in the existing pad payment.
The technical scheme adopted by the invention is as follows:
a logistics financing processing method for pad payment based on block chain comprises the following steps:
S1: signing trade contracts by the buyer node and the supplier node, signing the hashes of the trade contracts, and recording the hashes to a blockchain;
s2: signing a payment contract by a purchasing party node and a logistics company node, signing the payment contract by hash, and recording the payment contract to a blockchain;
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 a blockchain after hash signature of the related node;
s4: after goods are transported out, the provider node opens a transfer right certificate to the relevant bank node and sends a solicitation notice, after confirming the bill on the blockchain, the logistics company node pays a certain proportion of goods to the provider node through the relevant bank node, meanwhile, the cycle node records the relevant transfer record to the blockchain, and each relevant participating node carries out hash signature confirmation;
s5: the logistics company node receives goods, generates a bill of lading, carries out hash signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to the supplier node, and the supplier node carries out hash signature confirmation after checking the bill of lading;
s6: the purchasing party node sends out a notice of clearing money to the relevant bank nodes, the Oracle node records transfer records of the relevant bank nodes on a chain, and each relevant bank node sends out a put prompt to the logistics company node after hash signature confirmation is carried out respectively;
S7: after releasing the goods, the purchasing party node carries out goods transportation activities, signs a consignment contract with the purchasing party logistics node, hashes and signs information related to goods consignment and goods inspection through related nodes and records the information to a blockchain;
s8: the relevant banking node pays the rest total goods to the provider node and records relevant transfer records to the blockchain, and the logistics company node notifies the provider node to carry out hash signature after receiving the goods to confirm that the goods are received.
Further, the step S1 specifically includes the steps of:
s11, the purchasing side node confirms the operation condition and credit investigation condition of the provider node needing cooperation to a third party credit investigation mechanism, and the third party credit investigation mechanism node generates a credit investigation condition table about the provider node, carries out hash signature confirmation record on a blockchain and sends the record to the purchasing side node;
s12, after the purchasing node confirms that the purchasing node is error-free, an intentional book is deployed on the blockchain, hash signature confirmation is carried out, and the hash signature confirmation is recorded on the blockchain and is sent to the provider node;
s13, the provider node confirms the operation condition and credit investigation condition of the purchasing party node to be cooperated with the third party credit investigation organization, and the third party credit investigation organization node generates a credit investigation condition table about the purchasing party node, carries out hash signature confirmation record on the blockchain and sends the hash signature confirmation record to the provider node;
S14, after the provider node confirms that the client node can cooperate, verifying that the hash signature of the purchasing node is correct, and then carrying out hash signature confirmation on the cooperation intention;
s15, after the purchasing side node and the provider node determine the cooperation intention, the purchasing side node deploys trade contracts on the blockchain, and sends the trade contracts to the provider node and records the trade contracts on the blockchain after hash signature confirmation;
s16, the provider node verifies that the purchasing side node carries out hash signature, and after the trade contract is confirmed to be accurate, the hash signature is confirmed.
Further, the step S2 specifically includes the steps of:
s21, the purchasing side node sends an application of payment to the logistics company node within the time specified by the contract: the purchasing side node deploys a payment application form on the blockchain, the purchasing side node carries out hash signature confirmation and sends the hash signature confirmation to the logistics company node, and simultaneously sends company rules, financial reports and trade contract files for auditing and records the result on the blockchain;
s22, after receiving the payment application form of the purchasing side node pad, the logistics company node checks purchasing qualification and repayment capacity of the purchasing side node according to the company' S rules and financial statement files sent by the logistics company node;
S23, applying for checking related information of the purchasing party node out of the chain from the Oracle node by the logistics company node, wherein the related information comprises tax payment, lending condition and credit level; the Oracle node generates a qualification list about the purchasing party node, sends the qualification list to the logistics company node and records the qualification list on the blockchain;
s24, the logistics company node decides whether to agree to pay the pad according to the evaluation results of the logistics company node and the Oracle node to the purchasing party: if the node is refused, generating a refused notice to the node of the purchasing party; if yes, agreeing to transact the payment of the pad and notifying the node of the purchasing party, and carrying out hash signing to confirm the payment application form of the pad of the node of the purchasing party;
s25, the logistics company node deploys a payment service credit 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 party node, and the purchasing party node verifies that the hash signature is correct and carries out hash signature confirmation;
s26, the logistics company node opens a payment contract for the purchasing party node according to the payment application form and the trade contract, performs hash signature to confirm and store the certificate and records the certificate on the blockchain;
s27, the logistics company node sends the payment contract to a notification line node, and the notification line node verifies that the hash signature is correct and then confirms the hash signature;
S28, the notification line node sends the payment contract to the purchasing side node, and the purchasing side node verifies that the hash signature is correct and then confirms the hash signature;
and S29, the purchasing node sends the payment contract to the provider node, and the provider node compares and checks the payment contract with the signed trade contract content and confirms the hash signature after confirming the payment contract.
Further, the step S3 specifically includes the steps of:
s31, after the supplier node prepares the goods, a shipment contract, a shipment business invoice and a packing list file are generated, hash signature confirmation is carried out to record the goods on the blockchain, the purchasing node is notified, and the purchasing node carries out hash signature confirmation after checking the goods without errors;
s32, the provider node applies for the business check from the provider check office node: deploying commodity inspection application forms on the block chain, carrying out hash signature confirmation, and then sending to a supplier business inspection office node and recording the commodity inspection application forms on the block chain;
s33, after the commodity inspection bureau node confirms that the commodity inspection is qualified, hash signature confirmation is carried out on the commodity inspection qualified application form, a commodity inspection qualified certificate is issued, namely, the inspection sheet is subjected to hash signature confirmation and recorded on the blockchain, the supplier node is informed, and after the supplier node checks, the hash signature confirmation is carried out;
And S34, the supplier node deploys a shipping contract on the blockchain, the supplier node performs hash signature confirmation and then sends the hash signature confirmation to the supplier logistics node and records the hash signature confirmation on the blockchain, and the supplier logistics node checks the hash signature without errors and performs hash signature confirmation.
Further, the steps between the step S33 and the step S34 further include:
s33a, after the provider node negotiates with the provider insurance company node, the goods are covered: and the provider insurance company node generates a policy according to the quantity and the quality of the goods, performs hash signature confirmation, records the hash signature confirmation on the blockchain and sends the hash signature confirmation to the provider, and the provider node performs hash signature confirmation after checking.
Further, the step S4 specifically includes the steps of:
s41, after the goods are transported out, the provider node opens a transfer right certificate to the bargained line node and sends out a solicitation notice;
s42, checking the receipts on the blockchain by the logistics company node, wherein the receipts comprise a boxing bill, a checking bill and a guarantee bill, notifying a bargained line node to pay a certain proportion of goods to a provider node after the unification of the bill is confirmed, and transferring money to the provider node after the bargained line node confirms that the receipts are correct;
s43, the Oracle node records the transfer record of the remittance of the settlement line node to the provider node on the blockchain, and the provider node carries out hash signature to confirm that the remittance is received;
S44, the bargained line node sends out a compensation notice to the payment line node, and the payment line node transfers the remittance to the bargained line node after confirming that the bill is correct;
s45, the Oracle node records the transfer record of the money transfer from the payment line to the bargained line node to the blockchain, and the bargained line node carries out hash signature to confirm that the money is received.
Further, the step S6 specifically includes the steps of:
s61, the purchasing side node pays the payment all the time and sends out a notice of the payment to the paying-out party;
s62, the Oracle node records the transfer record of the money transfer from the purchasing side node to the bargained line node to the blockchain, and the bargained line node carries out hash signature to confirm that the money of the goods is received and transfers the money of the goods to the pay line node;
s63, the Oracle node records the transfer record of the money transfer from the bargained line node to the pay line node to the blockchain, and the pay line node carries out hash signature to confirm that the goods money is received and sends a goods release prompt to the logistics company node.
Further, the step S7 specifically includes the steps of:
s71, releasing goods by the logistics company node, generating a transportation bill, carrying out hash signature confirmation, recording the transportation bill on the blockchain, informing the purchasing node, and carrying out hash signature confirmation after the purchasing node verifies the transportation bill;
S72, the purchasing node deploys a shipping contract on the blockchain, the purchasing node sends the shipping contract to the purchasing logistics node after carrying out hash signature confirmation and records the shipping contract on the blockchain, and the purchasing logistics node carries out hash signature confirmation after checking the hash signature;
s73, the purchasing side node receives the goods and applies for the commodity inspection from the purchasing side commodity inspection bureau node: deploying commodity inspection application forms on the block chain, carrying out hash signature confirmation, and then sending to a purchasing side business inspection office node and recording on the block chain;
s74, after the commodity inspection bureau confirms that the commodity inspection is qualified, hash signature confirmation is carried out on a commodity inspection qualified application form, a commodity inspection qualified certificate, namely a inspection sheet, is issued, hash signature confirmation is carried out, the inspection sheet is recorded on a blockchain, and a purchasing party node is notified; after verifying that the hash signature is correct, the purchasing side node confirms the hash signature;
s75, the purchasing node generates a bill of lading, carries out hash signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to a logistics company node, and the logistics company node carries out hash signature confirmation after checking the bill of lading.
Further, the step S8 specifically includes the steps of:
s81, the payoff line node pays all the rest goods to the provider node and sends out notice of clearing the goods to the provider node;
S82, the Oracle node records the transfer record of the remittance of the payline node to the provider node to the blockchain, and the provider node carries out hash signature to confirm that the goods money is received.
In another aspect, the present invention provides a storage medium, where the storage medium includes a stored program, and when the program runs, the device where the storage medium is controlled to execute the logistic financing processing method based on blockchain payment.
The invention has the following beneficial effects:
according to the logistics financing processing method for the pad payment based on the blockchain, all information on the industrial chain in the whole pad payment process is completely published on the chain by utilizing the blockchain technology, and through the consensus mechanism and repeated confirmation of a plurality of key nodes, the true transparency and the whole-course integrity of the information are improved, the non-falsifiability and the non-falsification of the information are ensured, and the credit risk of a logistics company caused by the credit and information problems of both buying and selling parties of the logistics company is reduced. Meanwhile, by the technology of combining distributed accounting and intelligent contracts of a blockchain, a great deal of manual and time examination, bill making, telegraph, mailing and other processes occupied in the traditional settlement process are replaced, so that the trade efficiency is greatly improved, the document transmission and examination process is simplified, the manual, material resources, financial resources and time cost are saved, and a great deal of complicated process in the middle of trade is simplified; the default and fraud possibility of the purchasing and selling parties are reduced, the trust and risk problems in payment and delivery are solved, and the trust degree of the trading parties is improved; the risk born by a logistics company is reduced, and the credit of the logistics company is protected; the fund occupation is reduced; the cash flow is improved, so that the whole financing process is faster, safer and more intelligent.
In addition to the objects, features and advantages described above, the present invention has other objects, features and advantages. The invention will be described in further detail with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention. In the drawings:
FIG. 1 is a schematic diagram of a prior art pay-per-pad business network in logistic financing.
FIG. 2 is a block chain network deployment diagram of a block chain based payback logistics financing process in accordance with a preferred embodiment of the present invention.
FIG. 3 is a schematic diagram of a business network of a block chain based payback logistics financing process in accordance with a preferred embodiment of the present invention.
FIG. 4 is a flow chart of a block chain based payback logistics financing process in accordance with a preferred embodiment of the present invention.
Fig. 5 is a schematic flow chart of step S1 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 6 is a schematic sub-flow diagram of step S2 in fig. 4 in accordance with a preferred embodiment of the present invention.
Fig. 7 is a schematic flow chart of step S3 in fig. 4 according to a 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 a preferred embodiment of the present invention.
Fig. 9 is a schematic sub-flow chart of step S4 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 10 is a schematic flow chart of step S6 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 11 is a schematic flow chart of step S7 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 12 is a schematic flow chart of step S8 in fig. 4 according to a preferred embodiment of the present invention.
Detailed Description
It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The invention will be described in detail below with reference to the drawings in connection with embodiments.
For ease of understanding, as shown in fig. 2 and 3, the following explains the multi-party nodes involved in the blockchain network in the blockchain-based paymate logistics financing processing method.
The multi-party nodes involved in the blockchain network are explained.
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. Purchasing (applicant) node: applicant (applicant) refers to the party requesting to transact the pad payment. In the purchase logistics, the buyer usually applies for payment to the logistics company according to the payment condition established by the purchase and sale contract.
3. Logistics company (fourth party logistics) node: the logistics company (logistics company) refers to the party who pays the money on his own or on behalf of the applicant. The logistics company is typically a partner of the purchasing party. The logistics company has a first payment responsibility, so the logistics company plays the most important role in the payment transaction.
4. Payment line node: it is the payment bank designated on the purchase and sale contract. Paylines (paylines) are typically the ticket taker of the draft, and are also referred to as ticket takers. It is typically a bank designated by the logistics company and is determined by the provision of purchase and sale contract terms.
5. Vendor (beneficiary) node: beneficiaries (beneficiaries) refer to those parties who receive a commercial draft and enjoy the benefits thereof. In general, the beneficiary is mostly a seller or a provider who has the right to use or enjoy the benefits of a commercial draft, and is called a beneficiary.
6. The notification line node: a notification (notification bank) refers to a bank that notifies a provider of a commercial draft at the request of a payor. The commercial draft can be mailed by the payor directly, but the bank verifies the authenticity of the commercial draft by virtue of the seal and the secret key relationship, thereby being beneficial to protecting the rights and interests of the beneficiary. Therefore, most commercial draft is notified by the notification.
7. The pay line node: a proposal refers to the act of a bank under a conforming bill of payment, prepaying or agreeing to prepayment by a beneficiary on or before the day of the business it should obtain payment, thereby purchasing draft and/or documents. In addition, the draft payer must be a bank, but cannot be made to be a payer in a bargained act.
8. Third party credit bureau node: and the agency system is used for collecting enterprise and personal information and providing enterprise and personal information inquiry, rating and inquiry services for enterprise and personal information users and independently operating agency persons according to the approval of related laws and regulations.
9. Vendor insurance company node: refers to a company where suppliers provide insurance services for goods transportation and the like.
10. Vendor check office node: the detection mechanism is responsible for checking whether the commodity meets the requirement of the supply.
11. Vendor stream (third party stream) node: the system is characterized in that a provider at least engages in transportation (including transportation agency and goods express) or storage as an operation business, and can organize and manage basic functions such as transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of clients, and the system is provided with an information management system which is suitable for the business of the provider, so that the economic organization of independent accounting and independent civil responsibility bearing is realized;
12. Purchasing side business check office node: the detecting mechanism is responsible for checking whether the commodity meets the purchasing requirement or not by the purchasing party;
13. purchasing side stream (third party stream) node: the purchasing party is at least engaged in transportation (including transportation agency and goods express) or storage 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 purchasing party is provided with an information management system which is suitable for self business, and implements independent accounting and independent economic organization for bearing civil responsibility;
the blockchain in the above embodiments may specifically refer to a P2P network system with a distributed data storage structure, where each node device achieves a data distribution in the blockchain through a consensus mechanism, and the data distribution in the blockchain is in a plurality of blocks (blocks) that are temporally connected, and the later blocks include the data digests of the previous blocks, and achieve full data backup of all or part of nodes according to the specific consensus mechanism (such as POW, POS, DPOS or PBFT). As is well known to those skilled in the art, the blockchain system operates under a corresponding consensus mechanism, so that data recorded in the blockchain database is difficult to tamper with any node, for example, a blockchain adopting Pow consensus is at least required to be attacked by 51% computing power of the whole network to tamper with the existing data, and therefore, the blockchain system has the characteristics of ensuring data security and preventing attack tampering, which are incomparable with other centralized database systems. It will be appreciated that in the embodiments provided herein, money transfer transactions and other transactions that are included in a distributed database of a blockchain are not susceptible to attack or tampering, thereby proving transactions issued to the distributed database of the blockchain.
As shown in fig. 4, a logistic financing processing method for pad payment based on blockchain includes the steps of:
s1: signing trade contracts by the buyer node and the supplier node, signing the hashes of the trade contracts, and recording the hashes to a blockchain;
s2: signing a payment contract by a purchasing party node and a logistics company node, signing the payment contract by hash, and recording the payment contract to a blockchain;
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 a blockchain after hash signature of the related node;
s4: after goods are transported out, the provider node issues a transfer right certificate to the relevant bank node and sends a solicitation notice, after confirming the bill on the blockchain, the logistics company node pays a certain proportion of goods to the provider node through the relevant bank node, meanwhile, the Oracle node records the relevant transfer record to the blockchain, and each relevant participating node carries out hash signature confirmation;
s5: the logistics company node receives goods, generates a bill of lading, carries out hash signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to the supplier node, and the supplier node carries out hash signature confirmation after checking the bill of lading;
S6: the purchasing party node sends out a notice of clearing money to the relevant bank nodes, the Oracle node records transfer records of the relevant bank nodes on a chain, and each relevant bank node sends out a put prompt to the logistics company node after hash signature confirmation is carried out respectively;
s7: after releasing the goods, the purchasing party node carries out goods transportation activities, signs a consignment contract with the purchasing party logistics node, hashes and signs information related to goods consignment and goods inspection through related nodes and records the information to a blockchain;
s8: the relevant banking node pays the rest total goods to the provider node and records relevant transfer records to the blockchain, and the logistics company node notifies the provider node to carry out hash signature after receiving the goods to confirm that the goods are received.
According to the logistics financing processing method for pad payment based on the blockchain, all information on an industrial chain in the whole pad payment process is completely published on the chain by utilizing the blockchain technology, and through a consensus mechanism and repeated confirmation of a plurality of key nodes, the true transparency and the whole-course integrity of the information are improved, the non-falsifiability and the non-falsification of the information are ensured, and the credit risk of a logistics company caused by credit and information purchasing problems of both sides of the logistics company is reduced. Meanwhile, by the technology of combining distributed accounting and intelligent contracts of a blockchain, a great deal of manual and time examination, bill making, telegraph, mailing and other processes occupied in the traditional settlement process are replaced, so that the trade efficiency is greatly improved, the document transmission and examination process is simplified, the manual, material resources, financial resources and time cost are saved, and a great deal of complicated process in the middle of trade is simplified; the default and fraud possibility of the purchasing and selling parties are reduced, the trust and risk problems in payment and delivery are solved, and the trust degree of the trading parties is improved; the risk born by a logistics company is reduced, and the credit of the logistics company is protected; the fund occupation is reduced; the cash flow is improved, so that the whole financing process is faster, safer and more intelligent.
Specifically, as shown in fig. 5, the step S1 specifically includes the steps of:
s11, the purchasing side node confirms the operation condition and credit investigation condition of the provider node needing cooperation to a third party credit investigation mechanism, and the third party credit investigation mechanism node generates a credit investigation condition table about the provider node, carries out hash signature confirmation record on a blockchain and sends the record to the purchasing side node;
s12, after the purchasing node confirms that the purchasing node is error-free, an intentional book is deployed on the blockchain, hash signature confirmation is carried out, and the hash signature confirmation is recorded on the blockchain and is sent to the provider node;
s13, the provider node confirms the operation condition and credit investigation condition of the purchasing party node to be cooperated with the third party credit investigation organization, and the third party credit investigation organization node generates a credit investigation condition table about the purchasing party node, carries out hash signature confirmation record on the blockchain and sends the hash signature confirmation record to the provider node;
s14, after the provider node confirms that the client node can cooperate, verifying that the hash signature of the purchasing node is correct, and then carrying out hash signature confirmation on the cooperation intention;
s15, after the purchasing side node and the provider node determine the cooperation intention, the purchasing side node deploys trade contracts on the blockchain, and sends the trade contracts to the provider node and records the trade contracts on the blockchain after hash signature confirmation;
S16, the provider node verifies that the purchasing side node carries out hash signature, and after the trade contract is confirmed to be accurate, the hash signature is confirmed.
In the step S1 in this embodiment, the trade contract is uploaded to the blockchain after the buyer node and the supplier node perform Hash signing together, 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 an application of payment to the logistics company node within the time specified by the contract: the purchasing side node deploys a payment application form on the blockchain, the purchasing side node carries out hash signature confirmation and sends the hash signature confirmation to the logistics company node, and simultaneously sends company rules, financial reports and trade contract files for auditing and records the result on the blockchain;
s22, after receiving the payment application form of the purchasing side node pad, the logistics company node checks purchasing qualification and repayment capacity of the purchasing side node according to the company' S rules and financial statement files sent by the logistics company node;
s23, applying for checking related information of the purchasing party node out of the chain from the Oracle node by the logistics company node, wherein the related information comprises tax payment, lending condition and credit level; the Oracle node generates a qualification list about the purchasing party node, sends the qualification list to the logistics company node and records the qualification list on the blockchain;
S24, the logistics company node decides whether to agree to pay the pad according to the evaluation results of the logistics company node and the Oracle node to the purchasing party: if the node is refused, generating a refused notice to the node of the purchasing party; if yes, agreeing to transact the payment of the pad and notifying the node of the purchasing party, and carrying out hash signing to confirm the payment application form of the pad of the node of the purchasing party;
s25, the logistics company node deploys a payment service credit 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 party node, and the purchasing party node verifies that the hash signature is correct and carries out hash signature confirmation;
s26, the logistics company node opens a payment contract for the purchasing party node according to the payment application form and the trade contract, performs hash signature to confirm and store the certificate and records the certificate on the blockchain;
s27, the logistics company node sends the payment contract to a notification line node, and the notification line node verifies that the hash signature is correct and then confirms the hash signature;
s28, the notification line node sends the payment contract to the purchasing side node, and the purchasing side node verifies that the hash signature is correct and then confirms the hash signature;
and S29, the purchasing node sends the payment contract to the provider node, and the provider node compares and checks the payment contract with the signed trade contract content and confirms the hash signature after confirming the payment contract.
In the step S2 in this embodiment, the payment contract is uploaded to the blockchain after the buyer node and the logistics company node perform Hash signing together, so as to prevent the contract from being tampered and facilitate supervision of other nodes.
Specifically, as shown in fig. 7, the step S3 specifically includes the steps of:
s31, after the supplier node prepares the goods, a shipment contract, a shipment business invoice and a packing list file are generated, hash signature confirmation is carried out to record the goods on the blockchain, the purchasing node is notified, and the purchasing node carries out hash signature confirmation after checking the goods without errors;
s32, the provider node applies for the business check from the provider check office node: deploying commodity inspection application forms on the block chain, carrying out hash signature confirmation, and then sending to a supplier business inspection office node and recording the commodity inspection application forms on the block chain;
s33, after the commodity inspection bureau node confirms that the commodity inspection is qualified, hash signature confirmation is carried out on the commodity inspection qualified application form, a commodity inspection qualified certificate is issued, namely, the inspection sheet is subjected to hash signature confirmation and recorded on the blockchain, the supplier node is informed, and after the supplier node checks, the hash signature confirmation is carried out;
and S34, the supplier node deploys a shipping contract on the blockchain, the supplier node performs hash signature confirmation and then sends the hash signature confirmation to the supplier logistics node and records the hash signature confirmation on the blockchain, and the supplier logistics node checks the hash signature without errors and performs hash signature confirmation.
In the step S3 in this embodiment, the shipping contract of the provider node is uploaded to the blockchain after the provider node and the provider logistics node and the provider inspection office node perform Hash signing together, so as to prevent the contract from being tampered and facilitate supervision of other nodes.
Specifically, as shown in fig. 8, the steps between the step S33 and the step S34 further include:
s33a, after the provider node negotiates with the provider insurance company node, the goods are covered: and the provider insurance company node generates a policy according to the quantity and the quality of the goods, performs hash signature confirmation, records the hash signature confirmation on the blockchain and sends the hash signature confirmation to the provider node, and the provider node performs hash signature confirmation after checking the hash signature confirmation.
In the step S33a in this embodiment, the policy is uploaded to the blockchain after the provider node and the provider insurance company node perform Hash signing together, so as to prevent the policy from being tampered and facilitate supervision of other nodes.
Specifically, as shown in fig. 9, step S4 specifically includes the steps of:
s41, after the goods are transported out, the provider node opens a transfer right certificate to the bargained line node and sends out a solicitation notice;
s42, checking the receipts on the blockchain by the logistics company node, wherein the receipts comprise a boxing bill, a checking bill and a guarantee bill, notifying a bargained line node to pay a certain proportion of goods to a provider node after the unification of the bill is confirmed, and transferring money to the provider node after the bargained line node confirms that the receipts are correct;
S43, the Oracle node records the transfer record of the remittance of the settlement line node to the provider node on the blockchain, and the provider node carries out hash signature to confirm that the remittance is received;
s44, the bargained line node sends out a compensation notice to the payment line node, and the payment line node transfers the remittance to the bargained line node after confirming that the bill is correct;
s45, the Oracle node records the transfer record of the money transfer from the payment line to the bargained line node to the blockchain, and the bargained line node carries out hash signature to confirm that the money is received.
In the step S4 in this embodiment, the transfer record is uploaded to the blockchain after the Hash signature is performed by the logistic company node, the Oracle node, the bargained line node, and the payline node together, so as to prevent the transfer record from being tampered and facilitate supervision of other nodes.
Specifically, as shown in fig. 10, the step S6 specifically includes the steps of:
s61, the purchasing side node pays the payment all the time and sends out a notice of the payment to the paying-out party;
s62, the Oracle node records the transfer record of the money transfer from the purchasing side node to the bargained line node to the blockchain, and the bargained line node carries out hash signature to confirm that the money of the goods is received and transfers the money of the goods to the pay line node;
s63, the Oracle node records the transfer record of the money transfer from the bargained line node to the pay line node to the blockchain, and the pay line node carries out hash signature to confirm that the goods money is received and sends a goods release prompt to the logistics company node.
In the step S6 in this embodiment, the transfer record is uploaded to the blockchain after the Hash signature is performed by the logistic company node, the Oracle node, the bargained line node, and the payline node together, so as to prevent the transfer record from being tampered and facilitate supervision of other nodes.
Specifically, as shown in fig. 11, the step S7 specifically includes the steps of:
s71, releasing goods by the logistics company node, generating a transportation bill, carrying out hash signature confirmation, recording the transportation bill on the blockchain, informing the purchasing node, and carrying out hash signature confirmation after the purchasing node verifies the transportation bill;
s72, the purchasing node deploys a shipping contract on the blockchain, the purchasing node sends the shipping contract to the purchasing logistics node after carrying out hash signature confirmation and records the shipping contract on the blockchain, and the purchasing logistics node carries out hash signature confirmation after checking the hash signature;
s73, the purchasing side node receives the goods and applies for the commodity inspection from the purchasing side commodity inspection bureau node: deploying commodity inspection application forms on the block chain, carrying out hash signature confirmation, and then sending to a purchasing side business inspection office node and recording on the block chain;
s74, after the commodity inspection bureau confirms that the commodity inspection is qualified, hash signature confirmation is carried out on a commodity inspection qualified application form, a commodity inspection qualified certificate, namely a inspection sheet, is issued, hash signature confirmation is carried out, the inspection sheet is recorded on a blockchain, and a purchasing party node is notified; after verifying that the hash signature is correct, the purchasing side node confirms the hash signature;
S75, the purchasing node generates a bill of lading, carries out hash signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to a logistics company node, and the logistics company node carries out hash signature confirmation after checking the bill of lading.
In the step S7 in this embodiment, the shipping contract and the bill of lading of the purchasing node are uploaded to the blockchain after Hash signing by the purchasing node and the purchasing logistics node, the purchasing business inspection office node and the logistics company node together, so as to prevent the contract and the bill from being tampered and facilitate supervision of other nodes.
Specifically, as shown in fig. 12, the step S8 specifically includes the steps of:
s81, the payoff line node pays all the rest goods to the provider node and sends out notice of clearing the goods to the provider node;
s82, the Oracle node records the transfer record of the remittance of the payline node to the provider node to the blockchain, and the provider node carries out hash signature to confirm that the goods money is received.
In the step S8, after the payment line node performs hash signature confirmation based on the logistics company node, the rest of all the goods are paid to the supplier node and a notice of clearing the goods is sent to the supplier node, so that the situation that the rest of the goods are not paid after the purchasing side node lifts the goods at one time is prevented, the financing risk of the payment line node is reduced, the Oracle node records the transfer record of the money transferred from the payment line node to the supplier node to the blockchain, the supplier node performs hash signature to confirm that the goods are received, the clearing process is disclosed and transparent in the chain, and the process of the payment from the payment line node to the supplier node is effectively supervised.
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, controls a device where the storage medium is located to execute the logistic financing processing method for block chain-based 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 other than that illustrated herein.
The functions described in the methods of this embodiment, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in one or more computing device readable storage media. Based on such understanding, a part of the present invention that contributes to the prior art or a part of the technical solution may be embodied in the form of a software product stored in a storage medium, comprising several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device, etc.) 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 usb disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk or an optical disk, or other various media capable of storing program codes.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (2)
1. A logistics financing treatment method for pad payment based on block chain is characterized by comprising the following steps:
s1: signing trade contracts by the buyer node and the supplier node, signing the hashes of the trade contracts, and recording the hashes to a blockchain;
s2: signing a payment contract by a purchasing party node and a logistics company node, signing the payment contract by hash, and recording the payment contract to a blockchain;
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 a blockchain after hash signature of the related node;
s4: after goods are transported out, the provider node issues a transfer right certificate to the relevant bank node and sends a solicitation notice, after confirming the bill on the blockchain, the logistics company node pays a certain proportion of goods to the provider node through the relevant bank node, meanwhile, the Oracle node records the relevant transfer record to the blockchain, and each relevant participating node carries out hash signature confirmation;
S5: the logistics company node receives goods, generates a bill of lading, carries out hash signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to the supplier node, and the supplier node carries out hash signature confirmation after checking the bill of lading;
s6: the purchasing party node sends out a notice of clearing money to the relevant bank nodes, the Oracle node records transfer records of the relevant bank nodes on a chain, and each relevant bank node sends out a put prompt to the logistics company node after hash signature confirmation is carried out respectively;
s7: after releasing the goods, the purchasing party node carries out goods transportation activities, signs a consignment contract with the purchasing party logistics node, hashes and signs information related to goods consignment and goods inspection through related nodes and records the information to a blockchain;
s8: the relevant banking node pays the rest total goods to the provider node and records relevant transfer records to the blockchain, and the logistics company node notifies the provider node to carry out hash signature after receiving the goods to confirm that the goods are received;
the step S1 specifically comprises the steps of:
s11, the purchasing side node confirms the operation condition and credit investigation condition of the suppliers needing cooperation to the third party credit investigation mechanism, and the third party credit investigation mechanism node generates a credit investigation condition table about the supplier node, carries out hash signature confirmation record on the blockchain and sends the hash signature confirmation record to the purchasing side node;
S12, after the purchasing node confirms that the purchasing node is error-free, an intentional book is deployed on the blockchain, hash signature confirmation is carried out, and the hash signature confirmation is recorded on the blockchain and is sent to the provider node;
s13, the provider node confirms the operation condition and credit investigation condition of the purchasing party node to be cooperated with the third party credit investigation organization, and the third party credit investigation organization node generates a credit investigation condition table about the purchasing party node, carries out hash signature confirmation record on the blockchain and sends the hash signature confirmation record to the provider node;
s14, after the provider node confirms that the client node can cooperate, verifying that the hash signature of the purchasing node is correct, and then carrying out hash signature confirmation on the cooperation intention;
s15, after the purchasing side node and the provider node determine the cooperation intention, the purchasing side node deploys trade contracts on the blockchain, and sends the trade contracts to the provider node and records the trade contracts on the blockchain after hash signature confirmation;
s16, the provider node verifies that the purchasing side node carries out hash signature, and after confirming that the trade contract is accurate, the hash signature is confirmed;
the step S2 specifically includes the steps of:
s21, the purchasing side node sends an application of payment to the logistics company node within the time specified by the contract: the purchasing side node deploys a payment application form on the blockchain, the purchasing side node carries out hash signature confirmation and sends the hash signature confirmation to the logistics company node, and simultaneously sends company rules, financial reports and trade contract files for auditing and records the result on the blockchain;
S22, after receiving the payment application form of the purchasing side node pad, the logistics company node checks purchasing qualification and repayment capacity of the purchasing side node according to the company' S rules and financial statement files sent by the logistics company node;
s23, applying for checking related information of the purchasing party node out of the chain from the Oracle node by the logistics company node, wherein the related information comprises tax payment, lending condition and credit level; the Oracle node generates a qualification list about the purchasing party node, sends the qualification list to the logistics company node and records the qualification list on the blockchain;
s24, the logistics company node decides whether to agree to pay the pad according to the evaluation results of the logistics company node and the Oracle node to the purchasing party: if the node is refused, generating a refused notice to the node of the purchasing party; if yes, agreeing to transact the payment of the pad and notifying the node of the purchasing party, and carrying out hash signing to confirm the payment application form of the pad of the node of the purchasing party;
s25, the logistics company node deploys a payment service credit 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 party node, and the purchasing party node verifies that the hash signature is correct and carries out hash signature confirmation;
s26, the logistics company node opens a payment contract for the purchasing party node according to the payment application form and the trade contract, performs hash signature to confirm and store the certificate and records the certificate on the blockchain;
S27, the logistics company node sends the payment contract to a notification line node, and the notification line node verifies that the hash signature is correct and then confirms the hash signature;
s28, the notification line node sends the payment contract to the purchasing side node, and the purchasing side node verifies that the hash signature is correct and then confirms the hash signature;
s29, the purchasing party node sends the payment contract to the provider node, and the provider node compares and checks the payment contract with the signed trade contract content and confirms the hash signature after confirming the payment contract;
the step S3 specifically comprises the following steps:
s31, after the supplier node prepares the goods, a shipment contract, a shipment business invoice and a packing list file are generated, hash signature confirmation is carried out to record the goods on the blockchain, the purchasing node is notified, and the purchasing node carries out hash signature confirmation after checking the goods without errors;
s32, the provider node applies for the business check from the provider check office node: deploying commodity inspection application forms on the block chain, carrying out hash signature confirmation, and then sending to a supplier business inspection office node and recording the commodity inspection application forms on the block chain;
s33, after the commodity inspection bureau node confirms that the commodity inspection is qualified, hash signature confirmation is carried out on the commodity inspection qualified application form, a commodity inspection qualified certificate is issued, namely, the inspection sheet is subjected to hash signature confirmation and recorded on the blockchain, the supplier node is informed, and after the supplier node checks, the hash signature confirmation is carried out;
S34, the supplier node deploys a shipping contract on the blockchain, the supplier node sends the supplier node to the supplier logistics node after carrying out hash signature confirmation and records the supplier logistics node on the blockchain, and the supplier logistics node checks the hash signature without errors and carries out hash signature confirmation;
the steps between the step S33 and the step S34 further include:
s33a, after the provider node negotiates with the provider insurance company node, the goods are covered: the provider insurance company node generates a policy according to the quantity and the quality of goods, performs hash signature confirmation, records the hash signature confirmation on the blockchain and sends the hash signature confirmation to the provider node, and the provider node performs hash signature confirmation after checking the hash signature confirmation;
the step S4 specifically comprises the steps of:
s41, after the goods are transported out, the provider node opens a transfer right certificate to the bargained line node and sends out a solicitation notice;
s42, checking the receipts on the blockchain by the logistics company node, wherein the receipts comprise a boxing bill, a checking bill and a guarantee bill, notifying a bargained line node to pay a certain proportion of goods to a provider node after the unification of the bill is confirmed, and transferring money to the provider node after the bargained line node confirms that the receipts are correct;
s43, the Oracle node records the transfer record of the remittance of the settlement line node to the provider node on the blockchain, and the provider node carries out hash signature to confirm that the remittance is received;
S44, the bargained line node sends out a compensation notice to the payment line node, and the payment line node transfers the remittance to the bargained line node after confirming that the bill is correct;
s45, the Oracle node records a transfer record of the money transfer from the payment line to the bargained line node to the blockchain, and the bargained line node carries out hash signature to confirm that the money is received;
the step S6 specifically includes the steps of:
s61, the purchasing side node pays the payment all the time and sends out a notice of the payment to the paying-out party;
s62, the Oracle node records the transfer record of the money transfer from the purchasing side node to the bargained line node to the blockchain, and the bargained line node carries out hash signature to confirm that the money of the goods is received and transfers the money of the goods to the pay line node;
s63, the Oracle node records the transfer record of the money transfer from the bargained line node to the pay line node to the blockchain, and the pay line node carries out hash signature to confirm that the goods money is received and sends a goods release prompt to the logistics company node;
the step S7 specifically includes the steps of:
s71, releasing goods by the logistics company node, generating a transportation bill, carrying out hash signature confirmation, recording the transportation bill on the blockchain, informing the purchasing node, and carrying out hash signature confirmation after the purchasing node verifies the transportation bill;
s72, the purchasing node deploys a shipping contract on the blockchain, the purchasing node sends the shipping contract to the purchasing logistics node after carrying out hash signature confirmation and records the shipping contract on the blockchain, and the purchasing logistics node carries out hash signature confirmation after checking the hash signature;
S73, the purchasing side node receives the goods and applies for the commodity inspection from the purchasing side commodity inspection bureau node: deploying commodity inspection application forms on the block chain, carrying out hash signature confirmation, and then sending to a purchasing side business inspection office node and recording on the block chain;
s74, after the commodity inspection bureau confirms that the commodity inspection is qualified, hash signature confirmation is carried out on a commodity inspection qualified application form, a commodity inspection qualified certificate, namely a inspection sheet, is issued, hash signature confirmation is carried out, the inspection sheet is recorded on a blockchain, and a purchasing party node is notified; after verifying that the hash signature is correct, the purchasing side node confirms the hash signature;
s75, generating a bill of lading by the node of the purchasing party, carrying out hash signature confirmation, recording on a blockchain, sending the bill of lading to the node of the logistics company, and carrying out hash signature confirmation after the node of the logistics company checks;
the step S8 specifically includes the steps of:
s81, the payoff line node pays all the rest goods to the provider node and sends out notice of clearing the goods to the provider node;
s82, the Oracle node records the transfer record of the remittance of the payline node to the provider node to the blockchain, and the provider node carries out hash signature to confirm that the goods money is received.
2. A storage medium including a stored program that, when executed, controls a device in which the storage medium is located to perform the blockchain-based logistic financing processing method of pad payment according to claim 1.
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| CN113674078A (en) * | 2021-07-28 | 2021-11-19 | 湖南大学 | Guarantee and fund collection method, device and equipment based on block chain 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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