CN112258102A - Block chain-based logistics financing processing method and medium for pad-collection payment - Google Patents
Block chain-based logistics financing processing method and medium for pad-collection payment Download PDFInfo
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Abstract
The invention discloses a block chain-based pad-collecting payment logistics financing processing method and medium, wherein the block chain-based pad-collecting payment logistics financing processing method completely publishes information on a whole industrial chain on the chain through a block chain, and through repeated confirmation of a plurality of nodes, the real transparency of the information is improved, and the risk of a logistics company caused by a credit worthiness problem is reduced. 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 medium for capital-collecting payment based on a block chain.
Background
The payment for paying and collecting goods is that the supplier transfers the right of goods to the bank, the bank provides financing according to certain proportion according to the market condition, the supplier pays the payment for paying and collecting goods for the purchasing direction, when the purchasing direction bank repays the loan, the bank sends out the delivery prompt to the logistics company (third party), and the right of goods is returned 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 generally collects the payment for the buyer in the following mode: the logistics company acquires the goods carrying right according to the purchase and sale contract signed by the supplier and the buyer; a purchasing party of a logistics company prepays a certain proportion of money to obtain ownership of a quality and a property; the purchasing party pays all the money of the goods of the logistics company and obtains the goods; the logistics company pays the rest of the goods to the supplier after deducting the service fee after a certain period.
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-mentioned payment-collecting 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 financing-collecting goods money, and aims to solve the technical problems of high trading risk, low purchasing activity efficiency and high cost of each part in the financing-collecting goods money.
The technical scheme adopted by the invention is as follows:
a logistics financing processing method of pad-collection payment based on a 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 signs a bedding-collecting payment contract with the logistics company node, hashes the signature and records the hash signature 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 request for money notification, a logistics company node pays 50% 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 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: the logistics company node pays the rest 50% of the payment to the supplier node and records the relevant transfer record on the block chain, and the logistics company node informs the supplier node 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 node, 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 block chain 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 organization node, the third party credit worthiness organization 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 bedding-collecting payment to the logistics company node within the time specified by the contract: the purchasing side node deploys a bedding-collecting 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 chaplet, a financial statement and a trade contract file for verification and records the verification on the block chain;
s22, after receiving the application form of capital investment-collection of goods payment of the purchasing side node, the logistics company node checks the purchasing qualification and repayment ability of the purchasing side node according to the transmitted company chaplet and financial statement file;
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 transact bedding-collecting payment to the purchasing company node according to the evaluation result of the purchasing company node and the Oracle node: if the node is rejected, a rejection notice of the purchasing side node is generated; if yes, the buyer agrees to handle the investment-collecting payment and inform the buyer node of the investment-collecting payment application table of the buyer node by Hash signature;
s25, the logistics company node deploys a padding-collection 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 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 application and a payment contract for payment application and trade contract for payment application and payment contract for payment application and trade contract of the purchasing side node, performs hash signature confirmation and storage certificate and records the certificate on the block chain;
s27, the logistics company node sends the pad-payment contract to the notification bank node, and the notification bank node verifies that the Hash signature is correct and then verifies the Hash signature;
s28, the notification node sends the pad-collecting 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 purchasing side node sends the pad-collection payment contract to the supplier node, and the supplier node compares and checks the pad-collection payment contract and the signed trade contract content, and performs Hash signature confirmation after the confirmation is 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 block chain, the supplier sends the consignment contract to the supplier flow node after the supplier carries out hash signature confirmation and records the consignment contract on the block chain, 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 node, 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 transported out, the supplier node sends out a request and remittance notice to the logistics company paying node;
s42, the logistics company pay-off node audits the bills on the block chain, wherein the bills comprise packing bills, inspection bills and insurance bills, and after the bills are determined to be consistent, the supplier node is paid with the payment of 50% of the payment;
s43, the Oracle node records the transfer record of remittance from the logistics company payment bank node to the supplier node on the blockchain, and the supplier node performs hash signature to confirm that 50% of the payment is received;
s44, the logistics company payment line node sends a compensation notice to the logistics company payment line node, and the logistics company payment line node transfers remittance to the logistics company payment line node after confirming that the bill is correct;
s45, the Oracle node records the transfer record of remittance from the payment bank node of the logistics company to the payment bank node of the logistics company on the blockchain, and the payment bank node of the logistics company performs hash signature to confirm that the payment is received.
Further, the step S6 specifically includes the steps of:
s61, the purchasing side node sends a goods-drawing notice to the logistics company node, and the purchasing side payment bank node transfers all the goods money to the logistics company node;
and S62, the Oracle node records the transfer record of the payment bank of the purchasing party remitting the money to the logistics company on the blockchain, and the logistics company node signs to confirm that all the payment is received.
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 logistics company node pays the rest 50% of the goods money to the supplier node and sends a notice of clearing the goods money to the supplier node;
and S82, the Oracle node records the transfer record of remittance from the logistics company node to the supplier node to the blockchain, and the supplier node performs hash signature to confirm that the payment is received.
The invention also provides a storage medium, which comprises a stored program, and when the program runs, the device on which the storage medium is positioned is controlled to execute the logistics financing processing method based on the pad-delivery payment of the block chain.
The invention has the following beneficial effects:
the logistics financing processing method of pad-collecting payment based on the block chain completely publishes all information on an industrial chain in the whole pad-collecting payment 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 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 pad-collecting payment service network in the conventional logistics financing.
Fig. 2 is a block chain network deployment diagram of a block chain-based pad-delivery payment logistics financing processing method according to a preferred embodiment of the present invention.
Fig. 3 is a schematic view of a service network of a logistics financing processing method of pad-delivery payment based on a block chain according to a preferred embodiment of the present invention.
Fig. 4 is a flow chart of a logistics financing processing method of pad-delivery payment based on block chain according to a 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 blockchain network in a logistic financing processing method of block chain-based financing-delivery payment.
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 bedding-collection. In the procurement logistics, the buyer applies for the bedding-collecting payment to the logistics company according to the payment conditions established by the buying and selling contracts.
3. Logistics company (fourth logistics) node: the logistics company (logistics company) refers to a party that pays for payment on demand or on behalf of the applicant. Logistics companies are often partners of purchasing parties. The logistics company has a first payment responsibility, and thus, the logistics company plays the most important role in the payment transaction of the bedding-collecting payment.
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 block chain-based logistics financing processing method for pad-pickup payment 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 signs a bedding-collecting payment contract with the logistics company node, hashes the signature and records the hash signature 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 request for money notification, a logistics company node pays 50% 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 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: the logistics company node pays the rest 50% of the payment to the supplier node and records the relevant transfer record on the block chain, and the logistics company node informs the supplier node to carry out hash signature after receiving the goods to confirm that the payment is received.
According to the logistics financing processing method of pad-collecting payment based on the blockchain, all information on an industrial chain in the whole pad-collecting payment process is completely published on the chain by using the blockchain technology, and the true transparency and the whole integrity of the information are improved through the common identification mechanism and the repeated confirmation of a plurality of key nodes, so that the information cannot be forged and falsified, and the credit risk of a logistics company caused by the credit problems of 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 node, 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 block chain 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 organization node, the third party credit worthiness organization 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 bedding-collecting payment to the logistics company node within the time specified by the contract: the purchasing side node deploys a bedding-collecting 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 chaplet, a financial statement and a trade contract file for verification and records the verification on the block chain;
s22, after receiving the application form of capital investment-collection of goods payment of the purchasing side node, the logistics company node checks the purchasing qualification and repayment ability of the purchasing side node according to the transmitted company chaplet and financial statement file;
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 transact bedding-collecting payment to the purchasing company node according to the evaluation result of the purchasing company node and the Oracle node: if the node is rejected, a rejection notice of the purchasing side node is generated; if yes, the buyer agrees to handle the investment-collecting payment and inform the buyer node of the investment-collecting payment application table of the buyer node by Hash signature;
s25, the logistics company node deploys a padding-collection 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 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 application and a payment contract for payment application and trade contract for payment application and payment contract for payment application and trade contract of the purchasing side node, performs hash signature confirmation and storage certificate and records the certificate on the block chain;
s27, the logistics company node sends the pad-payment contract to the notification bank node, and the notification bank node verifies that the Hash signature is correct and then verifies the Hash signature;
s28, the notification node sends the pad-collecting 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 purchasing side node sends the payment contract of the payment for.
In step S2 in this embodiment, the pad-collecting payment 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 block chain, the supplier sends the consignment contract to the supplier flow node after the supplier carries out hash signature confirmation and records the consignment contract on the block chain, 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, 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 transported out, the supplier node sends out a request and remittance notice to the logistics company paying node;
s42, the logistics company pay-off node audits the bills on the block chain, wherein the bills comprise packing bills, inspection bills and insurance bills, and after the bills are determined to be consistent, the supplier node is paid with the payment of 50% of the payment;
s43, the Oracle node records the transfer record of remittance from the logistics company payment bank node to the supplier node on the blockchain, and the supplier node performs hash signature to confirm that 50% of the payment is received;
s44, the logistics company payment line node sends a compensation notice to the logistics company payment line node, and the logistics company payment line node transfers remittance to the logistics company payment line node after confirming that the bill is correct;
s45, the Oracle node records the transfer record of remittance from the payment bank node of the logistics company to the payment bank node of the logistics company on the blockchain, and the payment bank node of the logistics company performs 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 logistics company pay line 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 sends a goods-drawing notice to the logistics company node, and the purchasing side payment bank node transfers all the goods money to the logistics company node;
and S62, the Oracle node records the transfer record of the payment bank of the purchasing party remitting the money to the logistics company on the blockchain, and the logistics company node signs to confirm that all the payment is received.
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 logistics company node pays the rest 50% of the goods money to the supplier node and sends a notice of clearing the goods money to the supplier node;
and S82, the Oracle node records the transfer record of remittance from the logistics company 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 buyer node generates the bill and performs hash signature verification, records it on the block chain and sends it to the logistics company node, and after the logistics company node verifies that it is correct, the logistics company node pays all the remaining money to the supplier node and sends a notice of closing the money to the supplier node, so as to prevent the situation that the buyer node does not pay the remaining money after once taking away the goods, and reduce the financing risk of the payor node.
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 for block chain-based pad funding-collection 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 of pad-collection 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 signs a bedding-collecting payment contract with the logistics company node, hashes the signature and records the hash signature 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 request for money notification, a logistics company node pays 50% 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 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: after the purchasing node sends a goods withdrawal notification to the logistics company node, all the money of the goods is transferred to the logistics company node through the related bank node, and the Oracle node records the transfer record of the related bank node on the chain and confirms the transfer record by the logistics company node;
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: the logistics company node pays the rest 50% of the payment to the supplier node and records the relevant transfer record on the block chain, and the logistics company node informs the supplier node to carry out hash signature after receiving the goods to confirm that the payment is received.
2. The block chain-based pad-funding-collection-based logistics financing processing method of 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 node needing cooperation to the third party credit worthiness organization node, 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 block chain 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 organization node, the third party credit worthiness organization 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 block chain-based pad-funding-collection-based logistics financing processing method of claim 1, wherein the step S2 specifically comprises the steps of:
s21, the purchasing side node sends the application of bedding-collecting payment to the logistics company node within the time specified by the contract: the purchasing side node deploys a bedding-collecting 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 chaplet, a financial statement and a trade contract file for verification and records the verification on the block chain;
s22, after receiving the application form of capital investment-collection of goods payment of the purchasing side node, the logistics company node checks the purchasing qualification and repayment ability of the purchasing side node according to the transmitted company chaplet and financial statement file;
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 transact bedding-collecting payment to the purchasing company node according to the evaluation result of the purchasing company node and the Oracle node: if the node is rejected, a rejection notice of the purchasing side node is generated; if yes, the buyer agrees to handle the investment-collecting payment and inform the buyer node of the investment-collecting payment application table of the buyer node by Hash signature;
s25, the logistics company node deploys a padding-collection 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 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 application and a payment contract for payment application and trade contract for payment application and payment contract for payment application and trade contract of the purchasing side node, performs hash signature confirmation and storage certificate and records the certificate on the block chain;
s27, the logistics company node sends the pad-payment contract to the notification bank node, and the notification bank node verifies that the Hash signature is correct and then verifies the Hash signature;
s28, the notification node sends the pad-collecting 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 purchasing side node sends the pad-collection payment contract to the supplier node, and the supplier node compares and checks the pad-collection payment contract and the signed trade contract content, and performs Hash signature confirmation after the confirmation is correct.
4. The block chain-based pad-funding-collection payment logistics financing processing method 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 block chain-based pad funding-collection payment logistics financing processing method 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 block chain-based pad-funding-collection-based logistics financing processing method as claimed in claim 1, wherein the step S4 specifically comprises the steps of:
s41, after the goods are transported out, the supplier node sends out a request and remittance notice to the logistics company paying node;
s42, the logistics company pay-off node audits the bills on the block chain, wherein the bills comprise packing bills, inspection bills and insurance bills, and after the bills are determined to be consistent, the supplier node is paid with the payment of 50% of the payment;
s43, the Oracle node records the transfer record of remittance from the logistics company payment bank node to the supplier node on the blockchain, and the supplier node performs hash signature to confirm that 50% of the payment is received;
s44, the logistics company payment line node sends a compensation notice to the logistics company payment line node, and the logistics company payment line node transfers remittance to the logistics company payment line node after confirming that the bill is correct;
s45, the Oracle node records the transfer record of remittance from the payment bank node of the logistics company to the payment bank node of the logistics company on the blockchain, and the payment bank node of the logistics company performs hash signature to confirm that the payment is received.
7. The block chain-based pad-funding-collection-based logistics financing processing method of claim 1, wherein the step S6 specifically comprises the steps of:
s61, the purchasing side node sends a goods-drawing notice to the logistics company node, and the purchasing side payment bank node transfers all the goods money to the logistics company node;
and S62, the Oracle node records the transfer record of the payment bank of the purchasing party remitting the money to the logistics company on the blockchain, and the logistics company node signs to confirm that all the payment is received.
8. The block chain-based pad-funding-collection-based logistics financing processing method of 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 block chain-based pad-funding-collection-based logistics financing processing method of claim 1, wherein the step S8 specifically comprises the steps of:
s81, the logistics company node pays the rest 50% of the goods money to the supplier node and sends a notice of clearing the goods money to the supplier node;
and S82, the Oracle node records the transfer record of remittance from the logistics company 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, the program controls a device on which the storage medium is located to execute the logistics financing processing method based on block chain-based financing-delivery payment according to any one of claims 1 to 9.
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