CN113850597A

CN113850597A - Block chain-based warehouse sheet pledge logistics financing method, device, equipment and medium

Info

Publication number: CN113850597A
Application number: CN202111067725.9A
Authority: CN
Inventors: 杨婷; 马超群; 周中定; 万丽
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2021-09-13
Filing date: 2021-09-13
Publication date: 2021-12-28

Abstract

The application discloses a method, a device, equipment and a medium for warehouse sheet pledge logistics financing based on a block chain. The method fully utilizes the distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature, the intelligent contract technology and the black-and-white list mechanism in the block chain, so that the certificates of contracts, receipts and the like in each business stage of the warehouse receipt pledge logistics financing process can be accurately verified at high speed on the chain, the efficiency of the whole process is further improved, the time is saved, the cost is reduced, the financing process is simplified, the rapid operation of transactions can be promoted, the trust and risk problems of each link such as borrowing of borrowing enterprises, financing bank financing and logistics enterprise guarantee are solved, the rights and interests of each party are guaranteed, the benefit of each party is effectively prevented from being damaged, and the smooth cooperation is promoted. Meanwhile, the borrowing enterprise is prevented from maliciously tampering the repayment path, and the fraud risk of the borrowing enterprise and the loan risk of the financing bank node are reduced.

Description

Block chain-based warehouse sheet pledge logistics financing method, device, equipment and medium

Technical Field

The application relates to the technical field of block chains, in particular to a method, a device, equipment and a medium for financing of a warehouse receipt pledge logistics based on the block chains.

Background

Logistics Finance (Logistics Finance) refers to the movement of money in the Logistics field, which is effectively organized and regulated by applying and developing various financial products in the operation process oriented to the Logistics industry. These movements of funds include various deposits, loans, investments, trusts, leases, mortgages, cash points, insurance, securities issues and transactions that occur during the logistics, and various intermediate businesses related to the logistics industry that are handled by financial institutions. According to the different participation degree of financial institutions, the logistics financial operation mode can be divided into a capital circulation mode and an asset circulation mode. The warehouse sheet pledge loan is a capital circulation mode, in which financing is mainly provided to a borrowing enterprise by a financial institution, but a guarantee is provided to the financial institution for the borrowing enterprise by a logistics enterprise, and then the financial institution provides direct or indirect financing to the borrowing enterprise according to the guarantee provided by the logistics enterprise. The stock sheet pledge financing business means that the applicant stores the goods with complete ownership in a specified logistics company of a bank, and pledges the stock sheet from the logistics company in the bank as a financing guarantee, and the bank provides short-term financing business for the special trade of the goods similar to the stock sheet goods to the applicant according to the stock sheet.

At present, the warehouse receipt pledge financing has the following problems:

borrowing enterprise credit worthiness risk. The service capacity, the service volume and the legality of the commodity source (the smuggling commodity has no risk) of the borrowing enterprise are potential risks for the logistics company; when rolling extraction is carried out, the defect is well compensated, and the risk of bad goods exists; but also inadequate quality risk; second, commodity supervision and inventory risk. In the aspect of supervising the pledge commodities, the decision errors of both parties can be caused by the asymmetry of information, the distortion of information or the untimely information exchange between the warehouse and the bank, and the development of the warehouse sheet pledge business is influenced. The warehouse bill is the evidence of pledge loan and delivery, is a securities, and is also a property right security, but the warehouse bill opened at present is not standard enough. And managing and operating risks inside. Many warehouses have low informatization degree, and stay in a manual operation stage, so that operation errors of internal personnel are inevitable.

Disclosure of Invention

The application provides a warehouse receipt pledge logistics financing method based on a block chain on one hand to solve the technical problems that the existing warehouse receipt pledge logistics financing is high in cost, difficult to supervise, low in efficiency and high in risk.

The technical scheme adopted by the application is as follows:

a block chain-based warehouse sheet pledge logistics financing method comprises the following steps:

s1, the borrowing enterprise node and the logistics enterprise node deploy a warehousing protocol according to negotiation and jointly sign to confirm uplink; after receiving the goods delivered by the borrowing enterprise node according to the agreement, the transport company node generates a transport order and the transport company node and the borrowing enterprise node sign and confirm the uplink; after receiving goods sent by the transport company node, the logistics enterprise node opens a special goods warehouse receipt and confirms the uplink by the logistics enterprise node and the borrowing enterprise node; after receiving the warehouse goods insurance of the borrowing enterprise node, the insurance company node opens a warehouse goods insurance policy and confirms chaining by the signature of the insurance company node and the borrowing enterprise node;

s2, after receiving a loan application which is provided by the borrowing enterprise node according to the special goods manifest, the financing bank node requests and acquires special goods manifest details signed by the logistics enterprise node as loan reference on the premise that credit investigation data of the borrowing enterprise node requested to be called by the Oracle node and the third-party credit worthiness organization node is qualified;

s3, after the financing bank node passes the audit, the logistics enterprise node deploys a warehouse receipt mortgage three-party cooperation protocol and signs together with the financing bank node and the borrowing enterprise node to confirm the uplink; the borrowing enterprise node jointly signs and confirms chaining of the warehouse receipt pledge and the financing bank node; the logistics enterprise node deploys an irrevocable assisting bank on the blockchain to exercise the pledge certificate and jointly signs and confirms the uplink with the financing bank node; the financing bank node deploys a bank-enterprise cooperation agreement and an account supervision agreement on the blockchain, so that the borrowing enterprise node opens a supervision account at the financing bank node and jointly signs to confirm chaining;

s4, the financing bank node issues a loan to the borrowing enterprise node in a monitoring account appointed by the financing bank node according to an agreed proportion, and common signature confirmation is carried out on the transfer record and the borrowing enterprise node;

and S5, during the cargo pledge period, the financing bank node sends a delivery list according to the appointed proportion to indicate the logistics enterprise node to release the cargo, the delivery list and the logistics enterprise node jointly sign and chain up, the borrowing enterprise node stores the sale and return of the cargo into the transfer record of the supervision account and the joint sign confirmation chain up of the financing bank node, the delivery and return processes are repeated, and the service is ended when the borrowing enterprise node returns all loans.

Further, the step S1 specifically includes the steps of:

s11, after the online commodity quantity agreement details of the borrowing enterprise node and the logistics enterprise node are obtained, a relevant agreement contract is deployed on a block chain, the borrowing enterprise node plans a warehousing agreement according to the agreement achieved offline before, confirms warehousing acceptance and protection requirements of goods, delivers the goods to a logistics enterprise node warehouse according to the warehousing acceptance and protection requirements, encrypts the warehousing agreement by using a private key of the borrowing enterprise node and sends the encrypted warehousing agreement to the logistics enterprise node, and records uplink;

s12, the logistics enterprise node verifies by using a public key of the borrowing enterprise node, determines that the warehousing protocol is drawn by the borrowing enterprise node, and if the protocol content is correct or correct, uses a private key of the logistics enterprise node to carry out signature confirmation and records chaining;

s13, delivering the appointed number of goods to a transport company node according to a contract by the borrowing enterprise node, generating a transport list according to information such as the number of the goods after the transport company node receives the goods, sending the transport list to the borrowing enterprise node for confirmation and uploading the transport list to a chain, transporting the goods to a specified warehouse of a logistics enterprise node by the transport company node, and ensuring the safety of the goods;

s14, the borrowing enterprise node checks whether the information is correct after receiving the transportation bill, and after the information is confirmed, the borrowing enterprise node signs and confirms the transportation bill and then sends the transportation bill to the transportation company node and records the information on the chain;

s15, after receiving the goods and checking and confirming that the goods are correct, the logistics enterprise node opens a special goods warehouse receipt, records uplink and sends the uplink to the borrowing enterprise node;

s16, the borrowing enterprise node receives the special goods warehouse receipt, checks and confirms that the goods warehouse receipt is correct, then sends the signature to the logistics enterprise node, and records the uplink;

s17, applying for transacting warehouse goods insurance from the borrowing enterprise node to the designated insurance company node, designating a first beneficiary human financing bank node, sending a warehouse goods insurance policy to the borrowing enterprise node after the insurance company node receives the application, and recording the chain link;

and S18, the borrowing enterprise node receives the warehouse goods insurance policy on the chain, checks and confirms the warehouse goods insurance policy, then carries out signature confirmation, sends the signature confirmation to the insurance company node and records the chain.

Further, the step S2 specifically includes:

s21, the borrowing enterprise node holds a special goods warehouse form opened by the logistics enterprise node to apply for loan to the financing bank node, the financing bank node sends a credit assessment request form to the Oracle node after receiving the loan application and records the uplink, and the credit investigation data of the borrowing enterprise node, such as tax payment, loan condition, credit level and the like, is requested to be called;

s22, the Oracle node receives the credit investigation request sheet of the financing bank node and sends the credit investigation request sheet to the third-party credit investigation node to request to call credit investigation data of the borrowing enterprise node;

s23, the third-party credit worthiness organization node receives the notification, sends a credit worthiness evaluation report of the borrowing enterprise node to the Oracle node, and the Oracle node sends the credit worthiness evaluation report to the financing bank node, respectively carries out signature confirmation and records uplink;

s24, after checking that the credit worthiness of the borrowing enterprise node is good, the financing bank node checks the detail of a special cargo warehouse bill to the logistics enterprise node, wherein the detail mainly comprises the variety, specification, quantity and quality of the cargo;

and S25, after receiving the warehouse slip verification request, the logistics enterprise node sends the special goods warehouse slip details after signature confirmation to the financing bank node for loan reference by the financing bank node.

Further, the step S3 specifically includes:

s31, after the financing bank node passes the audit, the logistics enterprise node deploys a warehouse receipt mortgage three-party cooperation protocol, carries out signature confirmation and then respectively sends the signature confirmation to the financing bank node and the borrowing enterprise node, and records the uplink;

s32, the financing bank node receives the three-party cooperation protocol of the warehouse receipt mortgage, and after the check is confirmed, the signature is sent to the logistics enterprise node and the chain link is recorded;

s33, the borrowing enterprise node receives the three-party cooperation protocol of the warehouse receipt mortgage, and after the verification is correct, the signature is sent to the logistics enterprise node and the uplink is recorded;

s34, the borrowing enterprise node performs signature confirmation on the warehouse bill delivery endorsement and sends the signature confirmation to the financing bank node, and meanwhile, the chain link is recorded;

s35, the financing bank node receives the deposit endorsement of the warehouse receipt from the borrowing enterprise node, and after the deposit endorsement is confirmed to be correct, the signature is sent to the borrowing enterprise node and the uplink is recorded;

s36, the logistics enterprise node deploys an irrevocable assisting bank to exercise a warranty of the pledge on the block chain, the obligations which the two parties should perform in cooperation are regulated, the signature is confirmed and then sent to the financing bank node, and the uplink is recorded;

s37, the financing bank node receives the irrevocable assistant bank to exercise the warranty certificate of the pledge right, and after confirming that no error exists, the signature is sent to the logistics enterprise node, and the uplink is recorded;

s38, deploying a bank-enterprise cooperation agreement and an account supervision agreement on the block chain by the financing bank node, stipulating the responsibility which should be fulfilled by both parties in the contract, carrying out signature confirmation, sending to the borrowing enterprise node, and recording the uplink;

and S39, the borrowing enterprise node receives the bank-enterprise cooperation agreement and the account supervision agreement from the financing bank node, opens a supervision account in the financing bank node according to the agreement requirement, and sends the signature to the financing bank node and records the uplink after the signature is confirmed to be correct.

Further, the step S4 specifically includes the steps of:

s41, after the check list of the financing bank node passes, the financing bank node issues a loan to a supervision account according to an agreed proportion on the basis of complete agreement and procedures, and the Oracle node records the transfer record of remittance from the financing bank node to the borrowing enterprise node on a chain and sends the record to the borrowing enterprise node for signature confirmation;

and S42, the borrowing enterprise node signs the transfer record to confirm that the remittance is received and uploads the remittance to the chain.

Further, the step S5 specifically includes the steps of:

s51, during the cargo pledge period, the logistics enterprise node supervises the pledge according to the contract rules, strictly controls the cargo according to the flow agreed by the three-party protocol and the confirmed warehouse entry and exit procedures, and when the warehouse needs to be exported, the financing bank node sends a warehouse export instruction to the logistics enterprise node, sends a warehouse export order and uploads the warehouse export order to the chain;

s52, after receiving a delivery instruction from the financing bank node, the logistics enterprise node releases goods according to the regulations for the borrowing enterprise node to sell and return money, and simultaneously records relevant information on a delivery list and uploads the information to a chain;

s53, the borrowing enterprise node fulfills the obligation of appointment, the sales fund is stored in the supervision account, and the Oracle node records the transfer record of remittance on the chain and sends the transfer record to the financing bank node for signature confirmation;

s54, the financing bank node receives the transfer record, and after the transfer record is confirmed to be correct, signature confirmation is carried out and the uplink is recorded;

s55, the financing bank node sends out a delivery bill to the logistics enterprise node after receiving the repayment, and records the cochain after signing;

and S56, after receiving the delivery order, the logistics enterprise node puts the goods according to the delivery order, signs and confirms after the goods are put, sends the goods to the financing bank node, and repeats the goods putting and repayment processes until the borrowing enterprise node returns all the loans, so that the service is finished.

Further, the step S5 specifically includes the steps of:

s57, if the borrowing enterprise node is default or the price of the collateral falls and the borrowing enterprise node does not add the deposit in time, the financing bank node has the right to dispose the collateral, and sends a signed disposal collateral notice to the logistics enterprise node and records the uplink;

and S58, after receiving the notice of disposing the pledge, the logistics enterprise node performs auction or buyback on the pledge according to the property of the goods, and performs fund back and forth to reduce loss and signature confirmation chaining.

This application on the other hand still provides a warehouse list pledge logistics financing device based on block chain, includes:

the goods-to-warehouse module is used for deploying a warehousing protocol by the borrowing enterprise node and the logistics enterprise node according to negotiation and jointly signing to confirm uplink; after receiving the goods delivered by the borrowing enterprise node according to the agreement, the transport company node generates a transport order and the transport company node and the borrowing enterprise node sign and confirm the uplink; after receiving goods sent by the transport company node, the logistics enterprise node opens a special goods warehouse receipt and confirms the uplink by the logistics enterprise node and the borrowing enterprise node; after receiving the warehouse goods insurance of the borrowing enterprise node, the insurance company node opens a warehouse goods insurance policy and confirms chaining by the signature of the insurance company node and the borrowing enterprise node;

the loan application module is used for requesting and acquiring the details of the special goods warehouse bill signed by the logistics enterprise node as a loan reference on the premise that credit investigation data of the borrowing enterprise node requested to be called by the Oracle node and the third-party credit worthiness organization node is qualified after the financing bank node receives a loan application proposed by the borrowing enterprise node according to the special goods warehouse bill;

the agreement signing module is used for deploying a warehouse receipt pledge loan three-party cooperation agreement by the logistics enterprise node after the financing bank node passes the audit and signing and confirming the chaining together with the financing bank node and the borrowing enterprise node; the borrowing enterprise node jointly signs and confirms chaining of the warehouse receipt pledge and the financing bank node; the logistics enterprise node deploys an irrevocable assisting bank on the blockchain to exercise the pledge certificate and jointly signs and confirms the uplink with the financing bank node; the financing bank node deploys a bank-enterprise cooperation agreement and an account supervision agreement on the blockchain, so that the borrowing enterprise node opens a supervision account at the financing bank node and jointly signs to confirm chaining;

the loan issuing module is used for issuing a loan to the borrowing enterprise node in a monitoring account appointed by the financing bank node according to an agreed proportion by the financing bank node, and jointly signing and confirming the transfer record chain and the borrowing enterprise node;

and the batch goods release and withdrawal module is used for sending the delivery list according to the appointed proportion by the financing bank node to indicate the logistics enterprise node to release the goods during the goods mortgage, signing and chaining together with the logistics enterprise node, storing the sale and withdrawal of the goods into the transfer record of the supervision account by the borrowing enterprise node and signing and confirming and chaining together with the financing bank node, repeating the goods release and withdrawal process, and ending the service when the borrowing enterprise node returns all the loans.

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 warehouse sheet mass-mortgage logistics financing method based on the block chain.

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 located is controlled to execute the block chain-based warehouse receipt pledge financing method.

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

the application provides a method, a device, equipment and a storage medium for warehouse sheet pledge logistics financing based on a block chain. The distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature, the identity authentication and other technologies in the block chain are fully utilized, so that the certificates, such as contracts and receipts, of all business stages of the warehouse receipt pledge financing process under logistics finance can be accurately verified at high speed on the chain, the efficiency of the whole process is improved, the time is saved, the cost is reduced, the financing process is simplified, and the rapid operation of transactions can be promoted. The method and the system have the advantages that the block chain technology is applied, authenticity and non-falsification of data are guaranteed, the data are transparent and public, all participating main bodies in the whole warehouse receipt pledge financing process are effectively solved, especially the information asymmetry problem among borrowing enterprises, logistics enterprises and financing banks is solved, further, the possibility of default and fraud of all participating parties is reduced, the trust and risk problems of all links such as borrowing enterprises, financing banks financing and logistics enterprise guarantee are solved, and rights and interests of all parties are guaranteed. By utilizing the technologies, all participating bodies are difficult to fake, and the behaviors of each participating body can be monitored and regulated, so that the damage to own benefits can be effectively avoided, and the smooth proceeding of cooperation is promoted. The method and the system utilize a black-and-white list mechanism system, and can effectively urge each enterprise on the chain to better standardize own behaviors in the whole transaction process for the enterprise reputation of the enterprise and the long-term development in the future. Particularly, the phenomenon that borrowing enterprises, logistics enterprises and financing banks are not actively used when the benefits of the borrowing enterprises, the logistics enterprises and the financing banks are not damaged, and the borrowing enterprises, the logistics enterprises and the financing banks are powerless to recover when the benefits of the borrowing enterprises, the logistics enterprises and the financing banks are damaged can be effectively improved. The black-and-white list mechanism can promote the operation behaviors of the borrowing enterprises, the logistics enterprises and the financing banks to be standardized, so that the borrowing enterprises, the logistics enterprises and the financing banks can complete own tasks with the highest quality, and even the whole industry is driven to be standardized. According to the method and the system, the borrowing enterprise node opens the supervision account at the financing bank node according to the agreement requirement for paying and withdrawing, so that the financing bank node can monitor the withdrawing condition of the account in time, financing self-compensation is facilitated, the borrowing enterprise is prevented from maliciously tampering the withdrawing path, and the cheating risk of the borrowing enterprise is reduced.

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 network deployment diagram of the preferred embodiment of the present application.

Fig. 2 is a schematic flow chart of a lump chain-based warehouse warranty pledge financing method according to a preferred embodiment of the present application.

Fig. 3 is a schematic service structure diagram of a lump-chain-based warehouse warranty pledge financing method according to another preferred embodiment of the present application.

Fig. 4 is a schematic service timing diagram of a lump-chain-based warehouse warranty pledge financing method according to another preferred embodiment of the present application.

Fig. 5 is a block chain based schematic diagram of a warehouse receipt pledge financing device module according to the preferred embodiment of the present application.

Fig. 6 is a schematic block diagram of an electronic device entity according to a 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 blockchain-based warehouse pledge financing method are explained first.

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.

Aiming at the defects in the prior art, the technical scheme adopted by the application is divided into four parts, including a block chain subsystem, an identity authentication subsystem, an intelligent contract subsystem and a black and white list mechanism subsystem.

Block chain subsystem: the system is used for storing transaction data of a transaction process, ensuring that the data cannot be tampered, providing trustable data and being capable of inquiring and tracing the transaction data.

The identity authentication subsystem: the identity of each participating node is uniquely identified by technologies such as asymmetric encryption, a hash algorithm and the like, and the participating party of each transaction is verified, so that the bill cannot be counterfeited, and the data safety and privacy are ensured.

The intelligent contract subsystem: the system is used for realizing the automatic execution of the whole transaction process, and automatically executes the next step when the transaction triggering condition is reached, so that a lot of manual operations are saved, and the rule can be ensured to be executed in a determined manner.

Black and white list mechanism system: the method is used for restricting the default behaviors of each party of the transaction, and once the default conditions occur, the default behaviors are recorded on the chain, so that the trust degree of each party is improved, and the credit of the bank is protected. As shown in the network deployment diagram of fig. 1, the network node of the block chain-based warehouse warranty pledge financing service includes:

as shown in fig. 1, the block chain-based logistics finance warehousing pledge financing network node includes:

(ii) Oracle node (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;

secondly, logistics enterprise nodes: the logistics enterprise (logistics enterprise) is an operation business at least engaged in transportation (including transport agency and goods express delivery) 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, implements economic organizations for independently accounting and independently bearing civil responsibility, and is applicable to illegal people logistics economic organizations in a comparable manner.

Third, borrow enterprise node: in order to meet the demand of production and management, the existing goods such as raw materials, semi-finished products and finished products are used as the mortgage, and the borrowing enterprises which obtain the loan from financial institutions such as banks are used as the mortgage by utilizing the actual property in the enterprises and the real trade behaviors at the upstream and downstream.

Fourthly, financing bank nodes: the financial institution which is established by law and operates the money credit business undertakes the credit agency and provides the financing fund for the borrowing enterprise.

Transport company node: the transportation enterprise refers to an enterprise specialized in passenger-cargo transportation or directly serving for transportation production. Belongs to a productive enterprise. According to the transportation objects, the transportation system is divided into passenger transportation enterprises, goods transportation enterprises and passenger and goods transportation enterprises; the transportation method comprises the following steps of dividing the transportation method into railway transportation enterprises, road transportation enterprises, waterway transportation enterprises, civil aviation transportation enterprises, pipeline transportation enterprises, combined transportation enterprises and the like; the method is divided into a simple transportation enterprise, a loading and unloading enterprise, a storage and transportation enterprise and the like according to the professional properties of the operation.

Sixthly, the insurance company node: the insurance company refers to a corporate legal person set up according to insurance law and justice. The insurance company collects the premium, invests the capital obtained from the premium into the assets such as bonds, stocks and loans, and uses the income obtained from these assets to pay the insurance compensation determined by the policy. The insurance company can obtain a high return on investment and provide appropriate insurance services to customers at a low premium through the above-mentioned business, thereby making profit.

And seventh, a third party credit establishment 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.

As shown in fig. 2, a preferred embodiment of the present application provides a lump-chain-based method for financing a deposit material stream of a warehouse, comprising the steps of:

The warehouse receipt quality deposit logistics financing method based on the block chain fully utilizes the distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the hash algorithm, the digital signature, the identity authentication and other technologies in the block chain, so that the certificates, such as contracts, documents and the like, of all business stages of the warehouse receipt quality deposit financing process under logistics finance can be verified accurately at high speed on the chain, the efficiency of the whole process is improved, time is saved, cost is reduced, the financing process is simplified, and rapid operation of transaction can be promoted. The embodiment applies the block chain technology, guarantees authenticity and non-falsification of data, realizes openness and transparency of the data, effectively solves the problem of information asymmetry among all participating main bodies in the whole warehouse receipt pledge financing process, particularly among borrowing enterprises, logistics enterprises and financing banks, further reduces the possibility of default and fraud of all participating parties, solves the trust and risk problems of all links such as borrowing enterprises, financing banks financing and logistics enterprise security guarantee, and ensures rights and interests of all parties. By utilizing the technologies, all participating bodies are difficult to fake, and the behaviors of each participating body can be monitored and regulated, so that the damage to own benefits can be effectively avoided, and the smooth proceeding of cooperation is promoted. In the embodiment, a black-and-white list mechanism system is utilized, so that enterprises on the chain can be effectively urged to better standardize own behaviors in the whole transaction process for the enterprise reputation of the enterprises and the long-term development in the future. Particularly, the phenomenon that borrowing enterprises, logistics enterprises and financing banks are not actively used when the benefits of the borrowing enterprises, the logistics enterprises and the financing banks are not damaged, and the borrowing enterprises, the logistics enterprises and the financing banks are powerless to recover when the benefits of the borrowing enterprises, the logistics enterprises and the financing banks are damaged can be effectively improved. The black-and-white list mechanism can promote the operation behaviors of the borrowing enterprises, the logistics enterprises and the financing banks to be standardized, so that the borrowing enterprises, the logistics enterprises and the financing banks can complete own tasks with the highest quality, and even the whole industry is driven to be standardized. In the embodiment, the borrowing enterprise node opens the supervision account at the financing bank node according to the protocol requirement for loan and withdrawal, so that the financing bank node can monitor the withdrawal condition of the account in time, financing self-compensation is facilitated, the withdrawal path is prevented from being maliciously tampered by the borrowing enterprise, and the fraud risk of the borrowing enterprise is reduced.

In a preferred embodiment of the present application, the step S1 specifically includes the steps of:

In the process of delivering goods to a warehouse of a borrowing enterprise, firstly, after the borrowing enterprise node and the logistics enterprise node are offline and have good agreement details, a warehousing agreement is deployed on a block chain and signature confirmation is carried out, then, the borrowing enterprise node delivers goods with an agreed quantity to a transportation company node according to a contract to generate a transportation list and common signature confirmation chaining, then, after the logistics enterprise node receives the goods, a special goods warehouse list is opened and common signature confirmation chaining is carried out with the borrowing enterprise node, and finally, after the insurance company node receives the application of the borrowing enterprise node, the warehousing goods insurance list is sent to the borrowing enterprise node and common signature confirmation chaining is carried out. In the process of borrowing enterprise goods to a warehouse, various related data are published on a chain after being digitally signed by each related node, and through the consensus mechanism and repeated confirmation of each node, people keep accounts, so that the information is guaranteed to be untrustable and transparently disclosed, the integrity, the trueness, the reliability, the real-time controllability and the financing risk are guaranteed, and the method is suitable for the borrowing enterprise goods.

In a preferred embodiment of the present application, the step S2 specifically includes the steps of:

In the loan application process of the borrowing enterprise node, the borrowing enterprise node firstly submits loan application to a bank according to a special goods warehouse slip issued by the logistics enterprise node, then after receiving the loan application, the financing bank node firstly obtains a credit worthiness evaluation report of the borrowing enterprise node through an Oracle node and a third-party credit worthiness institution node by using a black-and-white list mechanism system, then the financing bank node judges whether financing is carried out according to the credit worthiness evaluation report, and if the financing bank node agrees, the special goods warehouse slip detail after signature is obtained from the logistics enterprise node to serve as loan reference. The embodiment calls the authenticity of credit investigation data of the borrowing enterprise node through the intervention of a plurality of nodes, particularly Oracle nodes and third-party credit worthiness organization nodes, and prevents counterfeiting, so that the loan risk of the financing bank node is reduced. Moreover, the related information related in the loan application process is published on the chain after being digitally signed by each related node, and through the consensus mechanism and repeated confirmation of each node, the people keep accounts, the information is guaranteed to be untrustworthy and transparently disclosed, the integrity, the non-damage, the trueness, the reliability, the real-time controllability and the financing risk are guaranteed to be reduced.

In a preferred embodiment of the present application, the step S3 specifically includes the steps of:

In the embodiment, in the process of signing the relevant agreement, the borrowing enterprise node opens a supervision account at the financing bank node according to the agreement requirement; the logistics enterprise node deploys the three-party cooperation protocol of the warehouse warrant mortgage and the logistics enterprise node, the financing bank node and the borrowing enterprise node jointly sign and confirm the uplink. The logistics enterprise node and the financing bank node jointly sign an unreliable assisting bank to exercise a pledge right insurance certificate; the financing bank node and the borrowing enterprise node jointly sign a bank-enterprise cooperation agreement and an account supervision agreement. Because the borrowing enterprise node opens the supervision account at the financing bank node according to the agreement requirement for use in paying and withdrawing, the financing bank node can monitor the withdrawing situation of the account in time, thereby facilitating the realization of financing self-compensation, preventing the borrowing enterprise from maliciously tampering with the withdrawing path and reducing the fraud risk of the borrowing enterprise; moreover, the warehousing institution node is a cooperative institution identified by the financing bank node, so that the credit risk of the logistics enterprise can be reduced. Meanwhile, the related information related in the signing process of the related protocol is published on the chain after being digitally signed by each related node, and through the consensus mechanism and repeated confirmation of each node, the people keep accounts, the information is guaranteed to be untrustable and transparently disclosed, the integrity, the non-damage, the trueness, the reliability, the real-time controllability and the financing risk are guaranteed to be reduced.

In a preferred embodiment of the present application, the step S4 specifically includes the steps of:

In the loan issuing process, the financing bank node deposits money into a supervision account opened by the borrowing enterprise node at the financing bank node according to the contract content according to a certain proportion of the inventory value, and then records the transfer record of remittance from the financing bank node to the borrowing enterprise node on a chain to be signed and confirmed by the borrowing enterprise node. Therefore, when the loan is issued, the loan is released only according to the agreed proportion, so that the risk of the loan is reduced, and because the related information involved in the loan process is published on the chain after being digitally signed by the related nodes, and through the consensus mechanism and repeated confirmation of the nodes, the loan of a person is kept, the information is guaranteed to be untrustable and transparently disclosed, the information is guaranteed to be complete, undamaged, real, reliable, controllable in real time, and the risk of financing is reduced.

In a preferred embodiment of the present application, the step S5 specifically includes the steps of:

In the process of batch goods release and cash back sale during the period of the spot pledge, firstly, a financing bank node sends a delivery instruction according to the contract oriented logistics enterprise node, sends a delivery order and uploads the delivery order to a chain; after receiving the delivery instruction from the financing bank node, the logistics enterprise node releases goods according to the regulations for the borrowing enterprise node to sell and return money, and simultaneously records relevant information on the delivery list and uploads the relevant information to the chain; the borrowing enterprise node stores the sales fund into the supervision account, and the Oracle node records the transfer record of remittance on the chain and sends the transfer record to the financing bank node for signature confirmation; and the financing bank node sends the delivery list to the logistics enterprise node for putting after receiving the repayment, and finally repeats the processes of putting and repayment until the borrowing enterprise node returns all the loans, and the service is finished. It can be seen that the financing bank node of the embodiment only issues goods to the borrowing enterprise node in batches according to the account amount for sale after receiving the corresponding repayment, and the borrowing enterprise node repays the sale result through the intelligent contract, and the process is repeated until the borrower enterprise node returns all loan information, thereby effectively reducing the fund risk of the financing bank node.

In a preferred embodiment of the present application, the step S5 further includes the steps of:

In the embodiment, mainly when the situation that a borrowing enterprise node defaults or the price of a quality guarantee falls is faced, in order to reduce the risk and loss of a financing bank node and a logistics enterprise node, as a remedial measure, the financing bank node has the right to dispose the quality guarantee and sends a signed disposition quality guarantee notice to the logistics enterprise node, the logistics enterprise node conducts auction or buyback on goods according to the property of the goods, carries out fund retaking back and forth to reduce loss, and simultaneously conducts signature confirmation uplink.

As shown in fig. 3 and 4, a preferred embodiment of the present application further provides a lump-chain-based warehouse warranty pledge financing method, which includes the steps of:

s1, after the online commodity quantity agreement details of the borrowing enterprise node and the logistics enterprise node are good, a relevant agreement contract is deployed on a block chain, the borrowing enterprise node plans a storage agreement according to the agreement achieved offline before, confirms the warehousing acceptance and protection requirements of goods, delivers the goods to a logistics enterprise node warehouse according to the warehousing acceptance and protection requirements, encrypts the storage agreement by using a private key of the borrowing enterprise node and sends the encrypted storage agreement to the logistics enterprise node, and records the uplink;

s2, the logistics enterprise node verifies by using a public key of the borrowing enterprise node, determines that a storage protocol is drawn by the borrowing enterprise node, and if the protocol content is correct or correct, uses a private key of the logistics enterprise node to carry out signature confirmation and records chaining;

s3, delivering the appointed number of goods to a transport company node according to a contract by the borrowing enterprise node, generating a transport list according to information such as the number of the goods after the transport company node receives the goods, sending the transport list to the borrowing enterprise node for confirmation and uploading the transport list to a chain, transporting the goods to a specified warehouse of a logistics enterprise node by the transport company node, and ensuring the safety of the goods;

s4, the borrowing enterprise node checks whether the information is correct after receiving the transportation bill, and after the information is confirmed, the borrowing enterprise node signs and confirms the transportation bill and then sends the transportation bill to the transportation company node and records the information on the chain;

s5, after receiving the goods and checking and confirming that the goods are correct, the logistics enterprise node opens a special goods warehouse receipt, records the chain and sends the chain to the borrowing enterprise node;

s6, the borrowing enterprise node receives the special goods warehouse receipt, checks and confirms that the goods warehouse receipt is correct, then sends the signature to the logistics enterprise node, and records the uplink;

s7, applying for transacting warehouse goods insurance from the borrowing enterprise node to the designated insurance company node, designating a first beneficiary human financing bank node, sending a warehouse goods insurance policy to the borrowing enterprise node after the insurance company node receives the application, and recording the chain link;

s8, the borrowing enterprise node receives the warehouse goods insurance policy on the chain, checks and confirms that the warehouse goods insurance policy is correct, then carries out signature confirmation, sends the signature confirmation to the insurance company node and records chain linking;

s9, the borrowing enterprise node holds a special goods warehouse form opened by the logistics enterprise node to apply for loan to the financing bank node, the financing bank node sends a credit assessment request form to the Oracle node after receiving the loan application and records the uplink, and the credit investigation data of the borrowing enterprise node, such as tax payment, loan condition, credit level and the like, is requested to be called;

s10, the Oracle node receives the credit investigation request sheet of the financing bank node and sends the credit investigation request sheet to the third-party credit investigation node to request to call credit investigation data of the borrowing enterprise node;

s11, the third-party credit worthiness organization node receives the notification, sends a credit worthiness evaluation report of the borrowing enterprise node to the Oracle node, and the Oracle node sends the credit worthiness evaluation report to the financing bank node, respectively carries out signature confirmation and records uplink;

s12, after checking that the credit worthiness of the borrowing enterprise node is good, the financing bank node checks the detail of a special cargo warehouse bill to the logistics enterprise node, wherein the detail mainly comprises the variety, specification, quantity and quality of the cargo;

s13, after receiving the warehouse receipt verification request, the logistics enterprise node sends the special goods warehouse receipt details after signature confirmation to the financing bank node for loan reference by the financing bank node;

s14, after the financing bank node passes the audit, the logistics enterprise node deploys a warehouse receipt mortgage three-party cooperation protocol, and sends the signature confirmation to the financing bank node and the borrowing enterprise node respectively, and records the uplink;

s15, the financing bank node receives the three-party cooperation protocol of the warehouse receipt mortgage, and after the confirmation of no error, the signature is sent to the logistics enterprise node and the uplink is recorded;

s16, the borrowing enterprise node receives the three-party cooperation protocol of the warehouse receipt mortgage, and after the verification is correct, the signature is sent to the logistics enterprise node and the uplink is recorded;

s17, the borrowing enterprise node performs signature confirmation on the warehouse bill delivery endorsement and sends the signature confirmation to the financing bank node, and meanwhile, the chain link is recorded;

s18, the financing bank node receives the deposit endorsement of the warehouse receipt from the borrowing enterprise node, and after the deposit endorsement is confirmed to be correct, the signature is sent to the borrowing enterprise node and the cochain is recorded;

s19, the logistics enterprise node deploys an irrevocable assisting bank to exercise a warranty of the pledge on the block chain, the obligations which the two parties should perform in cooperation are regulated, the signature is confirmed and then sent to the financing bank node, and the uplink is recorded;

s20, the financing bank node receives the irrevocable assistant bank to exercise the warranty certificate of the pledge right, and after the affirmation is correct, the signature is sent to the logistics enterprise node, and the uplink is recorded;

s21, deploying a bank-enterprise cooperation agreement and an account supervision agreement on the block chain by the financing bank node, defining the responsibility which should be fulfilled by the two parties in the contract, carrying out signature confirmation, sending the signature confirmation to the borrowing enterprise node, and recording the uplink;

s22, the borrowing enterprise node receives a bank-enterprise cooperation agreement and an account supervision agreement from the financing bank node, opens a supervision account in the financing bank node according to the agreement requirement, and after the agreement is confirmed to be correct, the signature is sent to the financing bank node and the uplink is recorded;

s23, after the check list of the financing bank node passes, the financing bank node issues loans to a supervision account according to an agreed proportion on the basis of complete agreement and procedures, and the Oracle node records transfer records of remittance from the financing bank node to the borrowing enterprise node on a chain and sends the transfer records to the borrowing enterprise node for signature confirmation;

s24, the borrowing enterprise node signs the transfer record to confirm that remittance is received and uploads the remittance to the chain;

s25, during the cargo pledge period, the logistics enterprise node supervises the pledge according to the contract rules, strictly controls the cargo according to the flow agreed by the three-party protocol and the confirmed warehouse entry and exit procedures, and when the warehouse needs to be exported, the financing bank node sends a warehouse export instruction to the logistics enterprise node, sends a warehouse export order and uploads the warehouse export order to the chain;

s26, after receiving a delivery instruction from the financing bank node, the logistics enterprise node releases goods according to the regulations for the borrowing enterprise node to sell and return money, and records relevant information on a delivery list and uploads the information to a chain;

s27, the borrowing enterprise node fulfills the obligation of appointment, the sales fund is stored in the supervision account, and the Oracle node records the transfer record of remittance on the chain and sends the transfer record to the financing bank node for signature confirmation;

s28, the financing bank node receives the transfer record, and after the transfer record is confirmed to be correct, signature confirmation is carried out and chain chaining is recorded;

s29, after receiving the repayment, the financing bank node sends a delivery bill to the logistics enterprise node, and records a cochain after signing;

and S30, after receiving the delivery order, the logistics enterprise node puts the goods according to the delivery order, signs and confirms after the goods are put, sends the goods to the financing bank node, and repeats the goods putting and repayment processes until the borrowing enterprise node returns all the loans, so that the service is finished.

S31, if the borrowing enterprise node is default or the price of the collateral falls and the borrowing enterprise node does not add the deposit in time, the financing bank node has the right to dispose the collateral, and sends a signed disposal collateral notice to the logistics enterprise node and records the uplink;

and S32, after receiving the notice of disposing the pledge, the logistics enterprise node performs auction or buyback on the pledge according to the property of the goods, performs fund back and forth to reduce loss, and performs signature confirmation chaining at the same time.

As shown in fig. 5, the preferred embodiment of the present application further provides a lump-chain-based warehouse warranty material flow financing device, which includes:

As shown in fig. 6, another 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 executable on the processor, wherein the processor executes the computer program to implement the method for financing a blockchain-based warehouse deposit.

Another embodiment of the present application further provides a storage medium, where the storage medium includes a stored program, and when the program runs, the apparatus on which the storage medium is located is controlled to execute the method for financing the blockchain-based warehousing and mass warehousing stream.

In summary, compared with the prior art, the application has the following advantages:

the method and the system have the advantages that the complete information of the warehouse receipt pledge financing process under the whole logistics finance is published on the chain through the block chain technology, through the consensus mechanism and repeated confirmation of all nodes, people keep accounts, the information is guaranteed to be not falsified and transparently disclosed, the information is guaranteed to be complete, lossless, real and reliable, and the credit risk of all parties is reduced. In a traditional mode, each participating main body in the transaction is divided into different administrative departments, information islands exist among the parties, the participating main bodies usually consume a large amount of time cost and money cost due to the asymmetric information problem, and the transaction efficiency and the transaction success rate are greatly reduced. The important participating nodes form a chain by utilizing a block chain technology, transaction information of each node is recorded and linked, the whole process is public and transparent, the security and the efficiency of transaction are improved, the credit problem of each participating main body is solved, a trust mechanism in a warehouse receipt pledge is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved. The method and the device utilize technologies such as asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature and identity authentication in the block chain, replace processes such as examination, order making, telegraph and mailing and the like of a large amount of manpower and time occupied in the traditional settlement process, improve the verification efficiency of various document certificates, simplify the warehouse order quality deposit financing process under logistics finance, and promote the intelligent and rapid operation of the whole financing process on the premise of ensuring the safety. The method and the device have the advantages that the technologies such as a common identification mechanism, asymmetric encryption, a Hash algorithm, digital identities, digital signatures, a block chain distribution mode, a data storage structure and the like in the block chain are utilized, the transaction data cannot be falsified or forged, all parties can clearly master all transaction details, and the quality of goods during replenishment each time is guaranteed. Solving the credit worthiness risk of the borrowing enterprise. The method and the device have the advantages that the distributed account book technology is utilized, the transparency of each transaction flow is realized, the information asymmetry is powerfully eliminated, each party of information is exchanged in time, and the decision correctness is improved. Meanwhile, all parties can link chains simultaneously, the standardization of the warehouse receipt is guaranteed, and the commodity supervision and warehouse receipt risks are solved. According to the method and the device, all documents are linked, electronization and transparentization of the documents are achieved, and informatization and standardization of the documents are effectively achieved. Meanwhile, the intelligent contract is automatically executed, and misoperation of internal personnel is avoided. Effectively reduce inside management personnel's operating risk.

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 warehouse sheet pledge logistics financing method based on a block chain is characterized by comprising the following steps:

2. The method for financing a warehousing pledget stream based on a block chain as claimed in claim 1, wherein the step S1 specifically comprises the steps of:

s13, delivering the appointed number of goods to a transport company node according to a contract by the borrowing enterprise node, generating a transport list after the transport company node receives the goods, sending the transport list to the borrowing enterprise node for confirmation and uploading the transport list to a chain, transporting the goods to a specified warehouse of the logistics enterprise node by the transport company node, and ensuring the safety of the goods;

3. The method for financing a warehousing pledget stream based on a block chain as claimed in claim 1, wherein the step S2 specifically comprises:

s21, the borrowing enterprise node holds a special goods warehouse form opened by the logistics enterprise node to apply for loan to the financing bank node, the financing bank node sends a credit assessment request form to the Oracle node after receiving the loan application and records the uplink, and the credit investigation data of the borrowing enterprise node is requested to be called;

s24, after checking that the credit worthiness of the borrowing enterprise node is good, the financing bank node checks the detail of the special cargo warehouse bill to the logistics enterprise node;

4. The method for financing a warehousing pledget stream based on a block chain as claimed in claim 1, wherein the step S3 specifically comprises:

5. The method for financing a warehousing pledget stream based on a block chain as claimed in claim 1, wherein the step S4 specifically comprises the steps of:

6. The method for financing a warehousing pledget stream based on a block chain as claimed in claim 1, wherein the step S5 specifically comprises the steps of:

7. The method for financing a warehousing pledget stream based on a block chain as claimed in claim 1, wherein the step S5 further comprises the steps of:

8. The utility model provides a warehouse receipt pledge logistics financing device based on block chain which characterized in that includes:

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 warehouse logistics financing method as claimed in any one of claims 1 to 7.

10. A storage medium comprising a stored program, wherein the program, when executed, controls a device on which the storage medium resides to perform the blockchain-based bunker importation logistics financing method as claimed in any one of claims 1 to 7.