CN113643124A

CN113643124A - Block chain-based domestic seller bill insurance financing method, equipment and storage medium

Info

Publication number: CN113643124A
Application number: CN202110995400.0A
Authority: CN
Inventors: 陈冬晴; 马超群; 周中定; 李信儒
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2021-08-27
Filing date: 2021-08-27
Publication date: 2021-11-12

Abstract

The application discloses a block chain-based domestic seller bill insurance financing method, equipment and a storage medium, wherein the method comprises the following steps: s1, the seller node and the buyer node sign the domestic trade contract after negotiation and uplink; s2, the seller node, the third-party logistics node and the third-party warehousing node sign related transportation lists and warehouse storage protocols and publish the signed related transportation lists and warehouse storage protocols on the block chain in the cooperation process; s3, the bank node verifies the warranty application and the related credit data deployed on the blockchain by the seller node and issues a warranty agreement; s4, the bank node deploys and issues accounts receivable claim transfer protocol on the blockchain and the accounts receivable claim transfer protocol is signed and confirmed by the seller node and the seller node; s5, the bank node issues financing pre-payment to the seller node and the transfer record is linked and confirmed by the seller node; and S6, after receiving all the payment paid by the buyer node, the bank node pays the rest payment to the seller node and links the transfer record.

Description

Block chain-based domestic seller bill insurance financing method, equipment and storage medium

Technical Field

The present application relates to the field of blockchain technology, and in particular, to a method, device and storage medium for domestic seller policy insurance financing based on blockchain.

Background

The insurance policy financing is a main business category in the supply chain finance field and belongs to an important type in receivable financing. As shown in fig. 1, the conventional warranty service is a comprehensive financial service in which a warranty provider provides accounts receivable financing, sales account management, account collection, and bad account guarantee for a provider on the premise that accounts receivable generated by the provider due to the sale of goods or the provision of services. The domestic seller policy is that a seller (an account receivable debtor) transfers accounts receivable generated by providing goods or services to a buyer (an account receivable debtor) in domestic trade to a bank (or a policy holder), and such services can be classified into a recollection right policy and a non-recollection right policy according to whether the seller (the account receivable debtor) can be recollected. At the financial 4.0 stage of the supply chain, the financing mode can solve the dilemma of difficult financing and expensive financing of medium and small enterprises to a certain extent, but banks need to bear most risks when receiving warranty financing, and the pain problems mainly include that the bank needs to spend high investigation cost due to trade authenticity, default risks caused by weak payment of buyers or malicious defaulting, the credit of core enterprises cannot be transferred to secondary suppliers due to information island problems, and seller repeated warranty and fictional trade background phenomena caused by information asymmetry problems are serious.

Disclosure of Invention

On the one hand, the application provides a block chain-based domestic seller bill insurance policy financing method, and aims to solve the technical problems that the existing domestic seller bill insurance policy financing method is low in efficiency, high in cost, large in difficulty and large in risk.

The technical scheme adopted by the application is as follows:

a block chain-based domestic seller policy financing method comprises the following steps:

s1, the seller node deploys and issues domestic trade contracts on the blockchain according to negotiation results, and the buyer node is informed to confirm the signature;

s2, the third-party logistics node issues a transportation bill on the blockchain after receiving the goods of the seller node according to the negotiation result and the third-party logistics node signs and confirms by the seller node; the third-party warehousing node issues a warehousing safekeeping protocol on the block chain after checking the goods of the buying node according to the negotiation result and signs and confirms by the buying node; the buyer node deploys and issues accounts receivable creditor certificates on the block chain, and the accounts receivable creditor certificates are signed and confirmed by the seller node;

s3, the seller node deploys and issues a warranty application on the blockchain, after the bank node receives the financing application of the seller node, the bank node inspects the related documents and credit data under the seller node chain through the blockchain, deploys and issues a warranty agreement on the blockchain, and the seller node signs and confirms the warranty agreement;

s4, after the bank node deploys and issues the accounts receivable and debt right transfer agreement on the blockchain, the seller node and the seller node sequentially sign and confirm the accounts receivable and debt right transfer agreement;

s5, the bank node issues financing pre-payment to the seller node, uploads the transfer record to the chain, and the seller node receives the payment and then signs the transfer record for confirmation;

and S6, when the receivable accounts are due, after the bank node receives all the goods paid by the buyer node, the rest goods are paid to the seller node, and the transfer record is uploaded to the chain and signed and confirmed by the seller node.

Further, the step S1 specifically includes the steps of:

s11, the seller node deploys the domestic trade contract on the blockchain after negotiation with the buyer node, and the buyer node is informed after signature confirmation;

and S12, the buyer node checks the trade contract content and confirms the signature after the trade contract content is correct.

Further, the step S2 specifically includes the steps of:

s21, after the goods are prepared, the seller node entrusts a third-party logistics node to transport the products, and after negotiation between the seller node and the third-party logistics node, the third-party logistics node issues a transportation order;

s22, the seller node checks the contents of the shipping bill and then signs and confirms;

s23, the buyer node receives the goods and signs after confirming that the contents of the shipping bill are correct;

s24, after receiving the goods, the buyer node entrusts a third-party storage node to store the products, and after checking the goods, the third-party storage node issues a storage and keeping protocol;

s25, the buyer node checks the contents of the storage keeping agreement and then signs and confirms;

s26, the buyer node deploys and issues accounts receivable creditor certificates on the blockchain, and then the seller node is informed;

and S27, the seller node confirms that the receivable and creditor certificate is correct after receiving the notification, and signs and confirms.

Further, the step S3 specifically includes:

s31, the seller node deploys the warranty application on the blockchain, records the warranty application on the blockchain after signature confirmation, and notifies the bank node;

s32, after receiving the financing application of the seller node, the bank node examines the authenticity of the trade background of the buyer and the seller through the trade contract, the transportation bill, the storage keeping agreement and the account receivable debt transfer agreement on the blockchain;

s33, the bank node deploys a credit investigation assessment application on the block chain, and applies for related credit investigation data under the investigation seller node chain to the Oracle node;

s34, after receiving the credit worthiness assessment application form of the bank node, the Oracle node is investigated to generate a credit worthiness assessment report about the seller node, and after signature confirmation, the Oracle node records the report on the chain and informs the bank node;

s35, after the bank node agrees to the financing application of the seller node, the seller node is informed after a warranty agreement is deployed on the blockchain and signature confirmation is carried out;

and S36, the seller node checks the contract content of the warranty agreement and then signs and confirms.

Further, the step S4 specifically includes:

s41, the bank node deploys the accounts receivable and debt right transfer protocol on the blockchain and informs the seller node after signature confirmation;

s42, the seller node checks the receivable and debt right transfer agreement content and then signs the agreement to realize the right of the receivable and debt right transfer, and informs the buyer node;

and S43, after receiving the notice, the buyer node signs and confirms the claim transfer agreement.

Further, the step S5 specifically includes:

s51, the bank node issues financing pre-payment to the seller node, and uploads the transfer record to the block chain,

and S52, the seller node receives the payment and signs a transfer record for confirmation.

Further, the step S6 includes:

s61, when accounts receivable are due, the buyer node pays the accounts payable to a special money return account of the bank node, and uploads a transfer record to the block chain;

s62, the bank node signs and confirms the transfer record;

s63, after receiving all the payment, the bank node pays the rest payment to the seller node; and uploading the transfer records to a block chain;

and S64, the seller node performs signature confirmation on the transfer record.

Further, the step S6 further includes:

and S65, if the sales income of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node records the default condition of the buyer node on the block chain and updates the credit assessment report of the buyer node.

The application also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the block chain-based domestic vendor list insurance financing method.

The application 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 block chain-based domestic vendor list insurance financing method.

Compared with the prior art, the method has the following beneficial effects:

1. according to the method and the system, intelligent contracts are fully utilized, the fact that two transaction parties can meet the obligation in the order of about in the credit trading behavior can be guaranteed, the transaction is carried out smoothly and reliably, the credit risk of buyers needing to be born by banks in domestic seller bill insurance financing is reduced, the trust degree and the transaction efficiency between transaction bodies are greatly improved, the default risk can be effectively controlled, and the supply chain can be helped to realize the remodeling of a trust mechanism.

2. The distributed account book technology of the block chain is fully utilized, relevant transaction data in the whole process can be integrated and linked, all data on the chain are public and transparent and can be shared, and rigorous and complete records of structures such as online basic contracts, bills and payments are formed so as to prove authenticity of trade behaviors and reduce investigation cost of banks; the technologies such as a chain storage structure and a trusted timestamp can ensure that all data are difficult to forge and tamper, and the true integrity of tracing is ensured. In addition, the method and the system can enable the financing service of the bank to cover other medium and small enterprises on the supply chain except the core enterprise and the primary supplier of the core enterprise. The participation cost and the investigation cost of the bank are greatly reduced while the real and credible trading scene is enriched.

3. The method and the system make full use of the transferable and financable entitlement certificate registered on the block chain, so that the core enterprise credit can be transferred along the credible trade link, and the problem that the core enterprise credit cannot be transferred to the multi-level supplier is solved. After the certificate issued by the core enterprise is signed by the first-level supplier, the certificate can be split and circulated to the last-level supplier according to the real trade background, and the endorsement utility of the core enterprise is unchanged in the splitting and circulating process.

4. The application can ensure that the whole process of the splitting and the circulation process of the whole voucher is traced to the source by utilizing the chain type storage structure and the consensus mechanism of the block chain technology, thereby greatly saving the transaction cost and improving the transaction efficiency and the security.

5. The method and the system can enable small and medium enterprises in the block chain to prove authenticity of trade behaviors more efficiently, and core enterprise credit is shared, rapid domestic seller bill guarantee is realized, financing dilemma is solved, market demands can be responded actively, better survival and faster development are realized, the method and the system are favorable for fundamentally solving the problem that small and medium financing and financing are expensive in the traditional supply chain, the purpose of 'stock removal' of the core enterprise is realized, the goal of 'optimizing a supply side' is achieved, and accordingly fund operation efficiency on the whole supply chain is improved.

In addition to the objects, features and advantages described above, other objects, features and advantages will be apparent from the present application. The present application will now be described in further detail 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 application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:

fig. 1 is a schematic diagram of a traditional domestic vendor policy insurance financing service architecture.

FIG. 2 is a diagram of a smart contract in accordance with a preferred embodiment of the present application.

FIG. 3 is a schematic diagram of credit flow in accordance with the preferred embodiment of the present application

FIG. 4 is a schematic diagram of an information management system according to a preferred embodiment of the present application

Fig. 5 is a schematic diagram of network deployment of the preferred embodiment of the present application.

Fig. 6 is a block chain-based domestic vendor list insurance financing method flow diagram in the preferred embodiment of the present application.

Fig. 7 is a detailed sub-step diagram of step S1 of the present application.

Fig. 8 is a detailed sub-step diagram of step S2 of the present application.

Fig. 9 is a detailed sub-step diagram of step S3 of the present application.

Fig. 10 is a detailed sub-step diagram of step S4 of the present application.

Fig. 11 is a detailed sub-step diagram of step S5 of the present application.

Fig. 12 is a schematic diagram illustrating another detailed sub-step of step S6 of the present application.

Fig. 13 is a schematic diagram illustrating another detailed sub-step of step S6 of the present application.

Fig. 14 is a schematic service timing diagram of a block chain-based domestic vendor order insurance financing method according to another preferred embodiment of the present application.

Fig. 15 is a schematic service structure diagram of a domestic vendor list insurance financing method based on a block chain according to another preferred embodiment of the present application.

Fig. 16 is a schematic block diagram of an electronic device entity of the preferred embodiment of the present application.

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 application will be described in detail below with reference to the embodiments with reference to the attached drawings.

For the convenience of understanding, the technical terms and the multi-party nodes involved in the blockchain network in the domestic vendor list insurance financing method based on blockchains are explained first.

Aiming at the defects in the prior art, the network system adopted by the application comprises three major parts:

the intelligent contract subsystem: as shown in fig. 2, the specific applications of the intelligent contracts of the blockchain in the supply chain insurance business are mainly divided into three aspects of divided transfer of creditor certificates, insurance financing of upstream suppliers and due payment of core enterprises: divided transfer of creditor vouchers: the division and transfer of the accounts receivable and debt right voucher are compiled into a computer readable language in advance through the intelligent contract, specific conditions and rules are required to meet code requirements, and the matters such as division and transfer of the debt right, right confirmation and the like can be automatically realized as long as all participating bodies in a supply chain meet the condition rules of the intelligent contract. Second, the upstream supplier's warranty financing: after the upstream seller supplies goods and receives the promise of delivering goods and money by the downstream buyer according to the term, the upstream seller can apply for insurance management financing to the bank, the financing of the seller is applied to the material examination and verification of the bank, if the preset conditions and rules are met, the real-time paying command of the intelligent contract is triggered immediately, and the bank realizes the automatic financing for the supplier after deducting financing interest and the commission charge of the insurance service. ③ payment due of core enterprise: the system generates an expired automatic payment intelligent contract according to a settlement rule input in advance. After the predetermined time and condition are reached, the intelligent contract can automatically send settlement and payment instructions to the account of the bank system to complete the money-returning step. The intelligent contract triggers the early warning device once the possibility of default appears to the buyer.

The credit circulation subsystem: as shown in fig. 3, upon bank-based trust of the core enterprise, the blockchain platform issues credit vouchers based on the credit line to act as settlement tools for suppliers upstream in the core enterprise industry chain. By verifying and confirming the accounts receivable and debt right voucher of the supplier, the trade relationship is confirmed to be real and effective, and credit penetration of a core enterprise to the multistage suppliers on the chain is realized. The authority is confirmed based on data multi-party records on the block chain, and the authority is difficult to tamper and trace, so that the splitting transfer of accounts receivable is realized, and all the accounts receivable can be traced to initial assets of the registration chain. The information tracing function in block chain supply chain finance can record a product circulation process in a full flow, thereby helping a small and medium-sized enterprise at the far end of a supply chain, particularly at the tail end, to establish transaction association with a core enterprise, realizing credit self-certification of the small and medium-sized enterprise at the far end and obtaining the trust of the core enterprise.

The management information system subsystem: as shown in fig. 4, the initial core node in the supply chain insurance business is a main body participating in core enterprises, upstream suppliers and banks (insurance providers), and MIS (management information system) of each member has different information modules. Generally, the method can be divided into six parts, namely information acquisition, information transmission, information storage, information processing, information maintenance and information use. In order to guarantee the benign operation of the three-party member enterprises, the information asymmetry problem is supposed to exist only between the three-party main bodies, but not between the internal departments of the enterprises. The information management module realizes normal operation in five aspects of information collection, transmission, storage, processing and maintenance, and the information use module is information data processing operation performed by a main enterprise and has subjectivity, so that default possibility exists. Therefore, in the supply chain 'intelligent insurance management' service based on the block chain, all information modules in the core enterprise, the upstream supplier, the bank and the internal system of the block chain network which is respectively connected with the core enterprise, the upstream supplier, the bank and the block chain network are all accounting nodes, namely, the core enterprise nodes are divided into core enterprise nodes CP1, CP2, … and CPi; provider nodes SP1, SP2, …, SPj; the business nodes BP1, BP2, …, BPk and other accounting nodes.

Block chain based domestic vendor order warranty underlying logic

1. The total number of all nodes participating in accounting in the bank, the downstream buyer, the upstream seller and each information module in the system is R, and all nodes adopting the malicious policy are F, wherein F belongs to R and | F | < F (F is the upper limit of the number of the nodes adopting the malicious policy).

2. The client end submits a request to the main node via the peer-to-peer network system, then the main node autonomously informs the backup nodes in the whole network of the detailed information about the request, the backup nodes including the main node carry out the limited round consensus algorithm operation on the request and feed back the execution result to the client end, wherein the nodes

And x ≠ y.

3. Through interaction with the node y, when the node y does not default, the node x broadcasts y performing on the chain, otherwise, y default is broadcast, and if the node y does default, additional cost loss is huge, such as the cooperative relationship in the supply chain network and the reputation in subsequent transactions.

4. The intelligent contract has pre-compiled right initial state of all nodes and conversion rules related to issues, distribution and other matters. On the basis that each node's initial reward distribution is U/R, the smart contract will receive a report from y ∈ R whether the contract violates. Once this step is completed, the intelligent contract will either incentivize or penalize for each node y (y ∈ R, y ≠ x) if it violates.

5. When the total number of nodes and the number of malicious nodes meet the requirement that R is larger than or equal to 3F +1, the normal operation of the block chain system is basically guaranteed, although the system may encounter 51% attacks, most of attacking behaviors are difficult to succeed due to the existence of punishment mechanisms such as extremely high cost of hardware and power control computing power, and the like, so that the normal operation of various services can be fully guaranteed on the premise that the R is larger than or equal to 3F +1 inequality and excitation and punishment mechanisms designed in the block chain system are met.

The PBFT algorithm main body implementation flow is as follows, wherein request represents request, pre-prefix represents sequence number allocation, prefix represents interaction, commit represents sequence number confirmation, reply represents response, and the basic process of the protocol is as follows:

the client sends a request to the main node to activate the service operation of the main node.

Secondly, after the main node receives the request, the three-stage protocol is started to broadcast the request to each node.

And thirdly, in a pre-prepare stage, the main node assigns a sequence number n to the request, broadcasts a sequence number distribution message and a request message m of the client, and sends a constructed pre-prepare message to each node.

And a prefix stage, receiving the prefix message from the node and broadcasting the prefix message to other service nodes.

And a commit stage, after each node verifies the request and the sequence in the attempt, broadcasting a commit message, executing the received client request and giving the client a response.

And sixthly, the client side waits for responses from different nodes, and if m +1 responses are the same, the responses are the result of the operation.

As shown in the network deployment diagram of fig. 5, the domestic seller bill insurance service network node based on the blockchain includes:

oracle (Oracle): 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;

seller (accounts receivable creditor) node: the seller is a party that provides goods or services to the buyer and obtains an accounts receivable voucher or invoice and obtains corresponding financial support by transferring the accounts receivable voucher to the bank.

③ buyer (account receivable debtor) node: the party who delays payment by making a credit contract is the subject of the debt in the receivable.

Fourthly, the bank node: after the seller transfers the receivable to the bank, the bank provides the comprehensive financial service of receivable financing, sale account management, account collection urging and bad account guarantee for the bank.

Fifth, third-party logistics node: the product produced by the seller is shipped and delivered to the buyer independently of the buyer and seller.

Sixthly, third-party storage nodes: independent of both buyers and sellers, provide warehousing services for seller products.

The technical terms referred to in this application include:

the block chain technology, also called as distributed book technology, is an emerging technology in which a plurality of computer devices participate in 'accounting' together, and maintain a complete distributed database together. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. Broadly, the blockchain technique is a completely new distributed infrastructure and computing approach that utilizes blockchain data structures to verify and store data, utilizes distributed node consensus algorithms to generate and update data, utilizes cryptography to secure data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data.

The intelligent contract technology is essentially a program written in a certain computing programming language, which is stored in a container provided by a blockchain system and automatically runs under the trigger of a certain external or internal condition. The intelligent contract is reflected in the real world, the rules in the real world are realized by using a computer language, the machine is ensured to automatically execute the preset intelligent contract calculation under certain conditions, and the rules cannot be tampered once fixed. An intelligent contract is a special protocol that aims to provide, validate and execute contracts. In particular, smart contracts are an important reason why blockchains are referred to as "decentralized," which allows us to perform traceable, irreversible, and secure transactions without the need for third parties. The intelligent contract contains all information about the transaction, is subject to a binding digital protocol, and performs the resulting operation only after the requirements are met.

The asymmetric encryption technology is different from symmetric encryption, keys used in the encryption and decryption processes of the asymmetric encryption are different and are divided into public keys and private keys, when the public keys are used for encrypting data, only the corresponding private keys can be used for decryption, when the private keys are used for encrypting data, only the corresponding public keys can be used for decryption, two users are supposed to encrypt and exchange data, the public keys are exchanged by the two users, one party is encrypted by the public key of the other party during use, and the other party can be used for decryption by the private key of the other party. Suppose A encrypts the message by the public key of B and signs by the private key of A, B receives the message, firstly verifies the signature by the public key of A, and decrypts the message by the private key of B after confirmation. Since the public key can be made public, the user only needs to keep the own private key, so the distribution of the encryption key becomes very simple. Meanwhile, because the private key of each user is unique, other users can verify whether the source of the information is real or not through the public key of the information sender, and the sender can be ensured not to deny that the information is sent once through the digital signature. Currently, the asymmetric encryption algorithm is usually used as RSA algorithm and elliptic curve algorithm (ECSDA).

The Hash algorithm, which is a very fundamental and important computer algorithm, can map binary plaintext strings of any length into shorter binary strings (Hash values) of fixed length, and different plaintext is difficult to map into the same Hash value. An excellent Hash algorithm can implement the following functions: forward fast, reverse difficult, input sensitive, collision avoidance, and therefore, the Hash algorithm is also called fingerprint (fingerprint) or digest (digest).

The digital identity is authenticated by adopting a digital signature technology, the digital signature utilizes the principle of cryptography, has uniqueness relative to a signer during use, and is computationally infeasible to forge a digital signature, so that the real identity of the signer can be identified through the digital signature, and the identity cannot be repudiated.

Digital time-stamp (digital time-stamp) is a technology for safely confirming and efficiently maintaining the transaction or the specific time of the transaction in the network, and has legal effectiveness and no way for any organization or person to tamper with the timestamp to confirm the transaction or the time and date of the transaction. All nodes participating in transaction data recording in the block chain can guarantee the occurrence time of the written block data to be real and effective through time verification of the digital time stamps, and therefore reliable time guarantee is provided for the data input sequence and the chain storage in the block chain. The time stamp ensures that the occurrence time of the historical transaction has non-falsification and non-repudiation, and all historical data can be sequentially traced through the time stamp.

The digital certificate is an electronic document issued by a CA authentication center, is a string of numbers capable of indicating network user identity information, and provides a way of verifying the identity of a network user on a computer network, so the digital certificate is also called digital identification. The digital certificate guarantees the integrity and safety of information and data in the computer network traffic of network users in an encrypted or decrypted form.

The consensus mechanism is used for completing the verification and confirmation of the transaction in a short time through the voting of special nodes; for a transaction, if several nodes with irrelevant benefits can achieve consensus, we can consider that the whole network can achieve consensus for the node.

A practical byzantine fault tolerant algorithm (PBFT) that assumes cryptographic algorithms are used to ensure that messaging between nodes is not falsifiable. The tolerance of PBFT is invalid or the number of malicious nodes is F, in order to ensure that the whole system can normally operate, 2F +1 normal nodes are needed, and the total number of the nodes of the system is R which is more than or equal to 3F + 1. That is, the PBFT algorithm can tolerate less than 1/3 invalid or malicious nodes. PBFT is a state machine copy replication algorithm, all copies operate during a view (view) rotation, and the master node is determined by the view number and the node number set, i.e. the master node is calculated by the formula p ═ i mod | R |, where i is the view number, p is the copy number, | R | is the total number of copies, and mod is the remainder of dividing an integer i by an integer | R |. Each client request of the PBFT algorithm needs to pass through 5 stages, and the client request is executed after the server agrees in a two-by-two interaction mode. Because the client cannot obtain any server running state from the server, whether the master node in the PBFT has an error or not can be monitored only by the server. If the server fails to complete the client's request within a period of time, a view change protocol is triggered. The method is characterized in that accurate information is obtained through communication for a plurality of times, namely after a request of related calling service operation is broadcast to a replica node by a main node, any backup node (including the main node) receiving the request operation needs to carry out interactive inquiry with other backup nodes and confirm the content of the request information received by the other side, so that a peer-to-peer information network structure with the information exchanged among all the backup nodes is formed, each node collects and analyzes the information received by the node, each node represents a ticket according to a majority obeying minority rules, and the backup node finally processes the request information with large occupation ratio, so that the fault-tolerant calculation of the byzang is completed. Assuming that at least 2/3 nodes can participate in the consensus algorithm analysis normally during the whole algorithm execution process, that is, the fault tolerance does not exceed 1/3 of the total number of nodes at most, the normal operation of the blockchain distributed node network system can be realized.

The mechanism of 'incentive compatibility' and 'incentive compatibility' is to change the behavior selection of economic persons through proper institutional arrangement to achieve high coincidence of the targets of individual and collective interest maximization. And (4) giving an incentive measure to the nodes which follow the system rule for carrying out accounting, otherwise carrying out right and interest deduction for punishment, and further ensuring the normal operation of the system. Specifically, the total incentive refers to an initial intrinsic incentive U introduced from the outside to define the utility, and the initial incentive distribution of each node is U/R; the punishment mechanism is that when a certain accounting node carries out adverse actions (adopts malicious strategies) on the system, the corresponding initial reward is deducted due to the number of enemies manufactured by the accounting node.

At present, the block chain distributed node network system is constructed because the technology is not completely mature, not all node behaviors voluntarily follow the relevant rules to jointly generate a correct chain with blocks continuously added, the hidden dangers of Sybil attack and the like still exist, few node behaviors do not accord with the realization of system benefit targets, the practical Byzantine fault-tolerant algorithm provides a feasible solution for the system through communication for several times, and the design of an incentive compatibility mechanism is to introduce incentive/punishment elements to constrain the node behaviors.

As shown in fig. 6, a preferred embodiment of the present application provides a block chain-based domestic vendor list insurance financing method, which includes the steps of:

s1, after negotiating with the insurance company node to insurance goods, the manufacturing enterprise node starts to deploy related insurance policy on the block chain, the insurance company node audits the passed manufacturing enterprise node to pay insurance fee, and uploads related insurance information to the block chain after signature confirmation of both parties;

s2, after the manufacturing enterprise node and the logistics enterprise node are subjected to online trading volume consignment contract, the manufacturing enterprise node deploys the consignment contract on the block chain, the signature is confirmed and recorded on the block chain, the logistics enterprise node transports goods to a specified warehousing enterprise node and generates a warehousing list, and the warehousing enterprise node signs and uploads the warehousing list to the block chain;

s3, after negotiating the pledge financing protocol with the bank node on line, the manufacturing enterprise node starts to deploy the pledge financing protocol on the block chain, and the bank node verifies the pledge financing protocol and then signs and confirms;

s4, after inquiring the warehousing list to check the information of the real goods on the chain, the bank node deploys a commodity trade financing pledge supervision protocol on the chain, and after the manufacturing enterprise node and the warehousing enterprise node perform signature confirmation on the commodity trade financing pledge supervision protocol on the block chain, the bank node remits corresponding financing money to an account of the manufacturing enterprise node and uploads a transfer record to the block chain;

s5, the manufacturing enterprise node pays the financing information to the bank node at maturity, and the remittance transfer record is signed and confirmed by the bank node on the blockchain.

The embodiment makes full use of the intelligent contract, can ensure that both sides of a transaction can meet the obligation in the order of about in the credit trading behavior, ensures that the transaction is smoothly and reliably carried out, reduces the credit risk of buyers needing to be borne by banks in the domestic seller bill insurance financing, greatly improves the trust degree and the transaction efficiency between transaction bodies, can effectively control the default risk, and can help the supply chain to realize the remodeling of a trust mechanism. In the embodiment, the distributed account book technology of the block chain is fully utilized, the relevant transaction data in the whole process can be integrated and linked, all the data on the chain are public and transparent and can be shared, and the on-line basic contracts, bills, payments and other records with strict and complete structures are formed so as to prove the authenticity of trade behaviors and reduce the investigation cost of banks; the technologies such as a chain storage structure and a trusted timestamp can ensure that all data are difficult to forge and tamper, and the true integrity of tracing is ensured. In addition, the method and the system can enable the financing service of the bank to cover other medium and small enterprises on the supply chain except the core enterprise and the primary supplier of the core enterprise. The participation cost and the investigation cost of the bank are greatly reduced while the real and credible trading scene is enriched. The embodiment makes full use of the transferable and financable right-confirming certificate registered on the blockchain, so that the core enterprise credit can be transferred along the credible trade link, and the problem that the core enterprise credit cannot be transferred to the multi-level suppliers is solved. After the certificate issued by the core enterprise is signed by the first-level supplier, the certificate can be split and circulated to the last-level supplier according to the real trade background, and the endorsement utility of the core enterprise is unchanged in the splitting and circulating process. The embodiment can ensure that the whole process of the splitting and the circulation process of the whole voucher is traced to the source by utilizing the chain type storage structure and the consensus mechanism of the block chain technology, thereby greatly saving the transaction cost and improving the transaction efficiency and the security. The embodiment can enable small and medium-sized enterprises in the block chain to more efficiently prove authenticity of trade behaviors, and core enterprise credit is shared, rapid domestic seller bill guarantee is realized, financing dilemma is solved, market demands can be actively responded, better survival and faster development are realized, the problem of small and medium-sized 'financing and financing high price' in the traditional supply chain is fundamentally solved, the purpose of 'stock removal' of the core enterprises is realized, the goal of 'optimizing a supply side' is achieved, and accordingly capital operation efficiency on the whole supply chain is improved.

As shown in fig. 7, in a preferred embodiment of the present application, the step S1 specifically includes the steps of:

and S22, the buyer node checks the trade contract content and confirms the signature after the trade contract content is correct.

Before financing the insurance policy, the seller node deploys the domestic trade contract on the blockchain after negotiation with the buyer node, and the seller node confirms the signature with the buyer node. In the embodiment, the domestic trade contract is linked up and signed and confirmed by both buyers and sellers, so that the authenticity of the domestic trade contract is ensured, counterfeiting is prevented, and the loan risk of the bank node is reduced.

As shown in fig. 8, in a preferred embodiment of the present application, the step S2 specifically includes the steps of:

In the embodiment, firstly, in the process of transporting and storing goods, relevant transportation orders and storage keeping agreements related to a seller node, a third-party logistics node and a third-party storage node are digitally signed by the relevant nodes and then published on a block chain, then a buyer node deploys and issues accounts receivable and debt right certificates on the block chain and is confirmed by the seller node in front, and through the consensus mechanism and repeated confirmation of the nodes, the people carry out accounting, the information cannot be falsified and is transparently disclosed, the completeness, the reality, the reliability, the real-time controllability and the financing risk of the information and the accounts receivable and debt right certificates are ensured to be complete, undamaged, real, reliable and controllable, and the financing risk is reduced.

As shown in fig. 9, in a preferred embodiment of the present application, the step S3 specifically includes:

In the process of applying and checking for seller insurance financing, the seller node first signs an application form on the block chain and then notifies the bank node, and the bank node first checks the authenticity of various document protocols and the like on the block chain after receiving the financing application, and on the basis, the bank node applies for investigating relevant certificate trust data under the seller node chain through the Oracle node; and finally, after the verification is passed, the bank node signs the insurance agreement on the blockchain and the seller node signs and confirms the agreement. The embodiment can enable medium and small enterprises in the block chain to more efficiently prove authenticity of trade behaviors, greatly reduce participation cost and investigation cost of banks, share core enterprise credit, realize quick domestic seller bill guarantee, solve financing predicament, and actively respond to market demands so as to realize better survival and faster development, improve financing efficiency and reduce financing risk.

As shown in fig. 10, in a preferred embodiment of the present application, the step S4 specifically includes:

In the method, in the process of account receivable and debt right transfer, a bank node deploys an account receivable and debt right transfer agreement on a block chain and signs for confirmation, and meanwhile, a seller node and a buyer node respectively sign after confirming that the account receivable and debt right transfer agreement is correct.

As shown in fig. 11, in a preferred embodiment of the present application, the step S5 specifically includes:

The bank node of the embodiment audits the relevant transaction information without errors, and on the premise that the right of transferring the accounts receivable and the debt right is completed, before the accounts receivable are due, the bank node issues financing pre-payment to the seller node, meanwhile, the transfer records are uploaded to the block chain and are confirmed by the seller node through signature. On the other hand, the bank node issues financing prepayment to the seller node, the prepayment is only a part of the total money, whether follow-up payment is needed or not is determined according to the payment condition of the buyer node, and therefore financial risks caused by default are reduced.

As shown in fig. 12, in a preferred embodiment of the present application, the step S6 specifically includes:

s62, the bank node signs and confirms the transfer record;

s63, after receiving all the goods payment, the bank node pays the rest goods payment to the seller node, and uploads the transfer record to the block chain;

In the embodiment, the buyer node pays the remaining accounts payable to the bank node when accounts receivable are due, meanwhile, the Oracle node records the account transferred from the buyer node to the bank node on the block chain, the bank node signs on the block chain after the account transfer record is verified to pass so as to confirm that the money is received, thereby publishing the related payment information and confirmation information on the chain, through the common identification mechanism and repeated confirmation of each node, the people can keep accounts and guarantee that the information can not be falsified and is transparently disclosed, the integrity, the trueness, the reliability and the real-time controllability of the information are ensured, the credit risk of the manufacturing enterprise node is reduced, furthermore, in the embodiment, the bank node pays the remaining goods to the seller node and uploads the account transfer record to the block chain only after receiving all the goods, and finally, the seller performs signature confirmation on the account transfer record, that is, the premise of the bank node paying the remaining payment to the seller node in this embodiment is that after receiving all the payment paid by the buyer node, if some bank nodes do not receive all the payment, the remaining payment will not be paid to the seller node, thereby reducing the financial risk of the bank node to the maximum extent.

As shown in fig. 13, in a preferred embodiment of the present application, the step S6 further includes:

The embodiment defines a processing process when the sales income of the buyer node is not enough to repay all accounts payable and the buyer node selects default, at the moment, the bank node records default conditions of the buyer node on a block chain and updates a credit assessment report of the buyer node.

As shown in fig. 14 and 15, the preferred embodiment of the present application further provides a block chain-based domestic vendor list insurance financing method, which includes the steps of:

s1, the seller node deploys the domestic trade contract on the blockchain after negotiation with the buyer node, and the buyer node is informed after signature confirmation;

and S2, the buyer node checks the trade contract content and confirms the signature after the trade contract content is correct.

S3, after the goods are prepared, the seller node entrusts a third-party logistics node to transport the products, and after negotiation between the seller node and the third-party logistics node, the third-party logistics node issues a transportation order;

s4, the seller node checks the contents of the shipping bill and then signs and confirms;

s5, the buyer node receives the goods and signs after confirming that the contents of the shipping bill are correct;

s6, after receiving the goods, the buyer node entrusts a third-party storage node to store the products, and after checking the goods, the third-party storage node issues a storage and keeping protocol;

s7, the buyer node checks the contents of the storage keeping agreement and then signs and confirms;

s8, the buyer node deploys and issues accounts receivable creditor certificates on the blockchain, and then the seller node is informed;

s9, after receiving the notice, the seller node confirms that the account receivable and creditor certificate is correct and then signs and confirms;

s10, the seller node deploys the warranty application on the blockchain, records the warranty application on the blockchain after signature confirmation, and notifies the bank node;

s11, after receiving the financing application of the seller node, the bank node examines the authenticity of the trade background of the buyer and the seller through the trade contract, the transportation bill, the storage keeping agreement and the account receivable debt transfer agreement on the blockchain;

s15, the bank node deploys a credit investigation assessment application on the block chain, and applies for related credit investigation data under the investigation seller node chain to the Oracle node;

s16, after receiving the credit worthiness assessment application form of the bank node, the Oracle node is investigated to generate a credit worthiness assessment report about the seller node, and after signature confirmation, the Oracle node records the report on the chain and informs the bank node;

s14, after the bank node agrees to the financing application of the seller node, the seller node is informed after a warranty agreement is deployed on the blockchain and signature confirmation is carried out;

s15, the seller node checks the contract content of the warranty agreement and then signs and confirms;

s16, the bank node deploys the accounts receivable and debt right transfer protocol on the blockchain and informs the seller node after signature confirmation;

s17, the seller node checks the receivable and debt right transfer agreement content and then signs the agreement to realize the right of the receivable and debt right transfer, and informs the buyer node;

s18, after receiving the notice, the buyer node signs and confirms the claim transfer agreement;

s19, the bank node issues financing pre-payment to the seller node, and uploads the transfer record to the block chain,

and S20, the seller node receives the payment and signs a transfer record for confirmation.

S21, when accounts receivable are due, the buyer node pays the accounts payable to a special money return account of the bank node, and uploads a transfer record to the block chain;

s22, the bank node signs and confirms the transfer record;

s23, after receiving all the payment, the bank node pays the rest payment to the seller node; and uploading the transfer records to a block chain;

s24, the seller node signs and confirms the transfer record;

and S25, if the sales income of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node records the default condition of the buyer node on the block chain and updates the credit assessment report of the buyer node.

As shown in fig. 16, the preferred embodiment of the present application further provides an electronic device, which includes a memory, a processor and a computer program stored in the memory and running on the processor, wherein the processor executes the computer program to implement the block chain-based domestic vendor list insurance financing method.

The method adopts a calculation programming language to preset a program, automatically runs when triggered by certain external or internal conditions, and executes the next operation only when the preset conditions are met, so that the machine automatically executes the preset intelligent contract calculation under certain conditions, and once the rules are fixed, the rules cannot be tampered, thereby ensuring the normalization of the business files and the correctness of the application operation. The block chain technology can improve the verification efficiency of banks, reduce bank risks, standardize the operation flow of nodes of manufacturing enterprises, improve the efficiency of non-standard warehouse receipt pledge financing business and standardize business flow.

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 to the prior art of the embodiments of the present application or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device) to execute all or part of the steps of the method described in the embodiments of the present application. 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 application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A block chain-based domestic seller policy insurance financing method is characterized by comprising the following steps:

2. The block chain-based domestic vendor list insurance financing method according to claim 1, wherein the step S1 specifically comprises the steps of:

3. The block chain-based domestic vendor list insurance financing method according to claim 1, wherein the step S2 specifically comprises the steps of:

4. The block chain-based domestic vendor list insurance financing method according to claim 1, wherein the step S3 specifically comprises:

5. The block chain-based domestic vendor list insurance financing method according to claim 1, wherein the step S4 specifically comprises:

6. The block chain-based domestic vendor list insurance financing method according to claim 1, wherein the step S5 specifically comprises:

s51, the bank node issues financing pre-payment to the seller node, and uploads the transfer record to the block chain;

7. The block chain-based domestic vendor list insurance financing method according to claim 6, wherein the step S6 includes:

s62, the bank node signs and confirms the transfer record;

8. The block chain-based domestic vendor list insurance financing method according to claim 7, wherein the step S6 further comprises:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the blockchain-based domestic vendor list financing method according to any one of claims 1 to 8.

10. A storage medium including a stored program, wherein the program, when executed, controls a device on which the storage medium is located to perform the blockchain-based domestic vendor policy financing method according to any one of claims 1 to 8.