CN113869894A

CN113869894A - Block chain-based domestic trade credit insurance financing method and device

Info

Publication number: CN113869894A
Application number: CN202111042165.1A
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: 2021-09-07
Filing date: 2021-09-07
Publication date: 2021-12-31

Abstract

The method adopts the distributed account book technology, the chain storage structure, the credible timestamp, the asymmetric encryption technology, the consensus mechanism algorithm and the like of the block chain technology to realize credibility, transparency and traceability of non-commercial confidential data among all main bodies of a supply chain, can link and share main data in a transaction process in real time to the maximum extent while not influencing the autonomy of all main bodies in a supply chain network, ensures the authenticity of a trade background, obtains the consensus and approval of all nodes by the authenticity of an account receipt and a policy, enhances the credit for the financing of a seller, can realize quick receipt, reduces the additional cost caused by information asymmetry, further obviously improves the efficiency of the whole flow, reduces the resource waste, and avoids counterfeiting files, Time is saved, cost is reduced, financing process is simplified, and rapid and safe operation of transaction can be promoted.

Description

Block chain-based domestic trade credit insurance financing method and device

Technical Field

The application relates to the technical field of block chains, in particular to a domestic trade credit insurance financing method and device based on a block chain.

Background

The domestic trade credit insurance is called internal trade insurance for short, the security of accounts receivable of enterprises is guaranteed, and the insurance risk is mainly the credit risk of buyers, including the credit risk generated by the inability of the buyers to pay debts due to bankruptcy and the arrears of the buyers. The basic function of domestic trade credit insurance is to provide loss compensation if it is difficult for an enterprise to receive back payment and account loss when the above-mentioned credit risk occurs. The financing business under the internal trade insurance item refers to the international passing financing mode of 'accounts receivable and credit insurance', and after a seller purchases credit insurance for accounts receivable generated by the transaction with a buyer commodity and fulfills each obligation necessary for the insurance to be effective, the seller conducts financing business to a bank by using the insured accounts receivable.

At present, the existing domestic trade credit insurance has the following problems:

and (4) carrying out authenticity risk on the trade background. Information among all main bodies of a traditional supply chain is asymmetric, opaque and not shared, an information isolated island is easily formed, trade information between an upstream seller and a downstream buyer cannot be proved due to the information isolated island problem, and the actual validity of a trade background is difficult to confirm due to the current situation that the information is dispersed and not integrated. In domestic trade, third-party information with public credibility is lacked, the means for verifying the authenticity of the trade background is almost limited to the due-time investigation of bill verification, goods receipt inspection and the like, and sellers may falsify various certificates and receipts to form the trade background, and once buyers are not matched, or buyers and sellers have moral risks, or the buyers and sellers have conspiracy fraud with the fictional unreal trade background of the buyers related to transactions, the bad result that bank funds are extracted is easy to occur.

And secondly, the risk of closing the money return path. Under a traditional supply chain, ERP systems between enterprises on the same supply chain are not communicated with each other, so that information among the enterprises is split, and information of the whole chain is difficult to merge and penetrate through, so that a buyer can easily tamper with a money return path, and fund use caused by indirect money return is also out of the insurance coverage of an insurance company, so that a bank can hardly obtain claim from the insurance company, and bank credit is lost. The failure of the cash back path to be effectively closed is a big cause of risk to banks under the traditional supply chain.

And thirdly, the risk of refusing the claim payment and the insufficient claim payment of the credit insurance company. When the background of the accounts receivable trade is not real, and when the accounts receivable is due, the false trade is not in the range of the claims of the domestic trade insurance, the insurance company refuses to pay, and the bank and the accounts receivable seller need to bear the credit risk of the buyer.

Disclosure of Invention

On the one hand, the application provides a domestic trade credit insurance financing method based on a block chain, and aims to solve the technical problems of high cost, complex procedures, low efficiency and high risk of the existing domestic trade credit insurance financing.

The technical scheme adopted by the application is as follows:

a domestic trade credit insurance financing method based on a block chain comprises the following steps:

s1, the seller node and the buyer node deploy domestic trade contracts on the blockchain according to negotiation and records the uplink after signature confirmation by both parties;

s2, the insurance company node notifies the seller node after signature confirmation on an insurance application signed by the seller node according to a credit assessment report of the seller node generated by the Oracle node, and the insurance company node deploys a policy on the blockchain after receiving the insurance cost of the seller node and carries out chain linking after signature confirmation by the insurance company node and the seller node;

s3, the third-party logistics node sends the goods out and signs the shipping bill uplink according to the shipping contract signed uplink with the seller node, the buyer node receives the goods and checks the goods according to the shipping bill, and then deploys accounts receivable creditor authority certificates on the block chain, and the buyer node and the seller node sign and confirm the uplink;

s4, after receiving the financing application of the seller node, the bank node deploys a warranty agreement on the blockchain according to a credit worthiness evaluation report about the seller node generated by the Oracle node and signs the block chain together with the seller node to confirm the chain;

s5, the bank node deploys accounts receivable and debt right transfer protocols on the blockchain, the bank node, the seller node and the buyer node sequentially sign and confirm the accounts receivable and debt right transfer protocols and record the chain, then the bank node deploys policy and debt right transfer protocols on the blockchain, and the bank node, the seller node and the insurance company node sequentially sign and confirm the accounts receivable and the debt right transfer protocols and record the chain;

s6, the bank node issues financing pre-payment to the seller node and uploads the transfer record to the chain, and the seller node confirms that the money is received and then signs and confirms on the transfer record and records the transfer record to the chain;

s7, when the accounts receivable are due, the bank node pays the rest goods to the seller node and uploads the transfer record to the chain after receiving all the goods transferred and drawn by the buyer node; and if the sales income of the buyer node is not enough to pay all accounts payable and the buyer node selects default, the bank node updates the credit assessment report of the buyer node and links the credit assessment report, and simultaneously the bank node asks for a claim from the insurance company node and links the related bill.

This application another aspect still provides a domestic trade credit insurance financing device based on block chain, includes:

the trade contract signing module is used for deploying domestic trade contracts on the blockchain according to negotiation between the seller node and the buyer node and recording the uplink after signature confirmation of the seller node and the buyer node;

the goods application module is used for the insurance company node to inform the seller node after signature confirmation on an application book signed by the seller node according to a credit assessment report of the seller node generated by the Oracle node, and the insurance company node deploys a policy on a block chain after receiving insurance cost of the seller node and carries out chain linking after signature confirmation by the insurance company node and the seller node;

the delivery and accounts receivable forming module is used for sending the goods out and issuing the shipping bill uplink by the third-party logistics node according to the shipping contract signed uplink with the seller node, and after the buyer node receives the goods and checks the goods according to the shipping bill, the accounts receivable creditor certificate is deployed on the block chain and the uplink is confirmed by the signature of the buyer node and the seller node;

the financing application module is used for deploying a warranty protocol on the blockchain according to a credit assessment report which is generated by the Oracle node and is about the seller node after the bank node receives the financing application of the seller node, and signing the block chain together with the seller node to confirm the chain;

the account receivable and policy transfer module is used for deploying account receivable and creditor rights transfer protocols on the block chain by the bank node, recording the chain after the bank node, the seller node and the buyer node sequentially sign and confirm, then deploying policy and creditor rights transfer protocols on the block chain by the bank node, and recording the chain after the bank node, the seller node and the insurance company node sequentially sign and confirm;

the financing prepayment issuing module is used for the bank node to issue financing prepayment to the seller node and upload the transfer record to the chain, and the seller node confirms that the money is received and then signs and confirms on the transfer record and records the transfer record on the chain;

the repayment settlement module is used for paying the rest goods to the seller node and uploading the transfer record to the chain after the bank node receives all the goods transferred and planned by the buyer node when the received accounts are due; and if the sales income of the buyer node is not enough to pay all accounts payable and the buyer node selects default, the bank node updates the credit assessment report of the buyer node and links the credit assessment report, and simultaneously the bank node asks for a claim from the insurance company node and links the related bill.

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

the application provides a domestic trade credit insurance financing method and a device based on a block chain, the method realizes credibility, transparency and traceability of non-commercial confidential data among all main bodies of a supply chain by adopting a distributed account book technology, a chain storage structure, a credible timestamp, an asymmetric encryption technology, a consensus mechanism algorithm and the like of the block chain technology, can link and share main data in a transaction process in real time to the maximum extent while not influencing the autonomy of all main bodies in a supply chain network, ensures the authenticity of a trade background, obtains the consensus and the approval of all nodes by receiving account vouchers and policy, enhances the credit for the financing of sellers, can realize quick receipts, opens all data on the chain to alliance nodes, reduces the additional cost caused by information asymmetry, and does not need to spend additional manpower and material resources for investigation on the spot and insurance companies, the survey cost is greatly reduced, the interest and the willingness of the financial institutions to participate in the emerging financing mode are improved, the problem that the credit and financing of the bank cannot cause the risk of due and unpaid payment due to the buyer can be solved on the premise that the trade background is real, and in short, the domestic trade credit insurance financing service based on the block chain technology is a winning situation for the buyer, the seller, the bank, the insurance company and the block chain platform.

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

Fig. 2 is a block chain-based domestic trade credit insurance financing method flow diagram in the preferred embodiment of the present application.

Fig. 3 is a service structure diagram of a domestic trade credit insurance financing method based on a block chain according to another preferred embodiment of the present application.

Fig. 4 is a service timing diagram of a domestic trade credit insurance financing method based on a block chain according to another preferred embodiment of the present application.

Fig. 5 is a block chain-based domestic trade credit insurance financing device module diagram 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 convenience of understanding, technical terms and multi-party nodes involved in a blockchain-based domestic trade credit insurance financing method for a blockchain will be 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 invention is divided into five parts: the system comprises an identity authentication subsystem, a consensus service subsystem, an intelligent contract subsystem, a platform service subsystem and a blacklist subsystem.

The identity authentication subsystem: all participants need to provide applications in advance, register enterprise information, submit enterprise public keys, complete certificate manufacture, only hold admission certificates can be added into the blockchain network, and in order to meet supervision requirements, a management organization has the right to cancel registered certificates.

The consensus service subsystem: the participating nodes need to execute customized logic to verify transaction behavior and transaction signatures, then package and sort the transactions, and then broadcast over the network. And a distributed message system cluster is adopted, so that high concurrent transaction can be supported, and the system is ensured to have higher throughput.

The intelligent contract subsystem: and mutually isolated safety containers are designed for each service scene to provide corresponding environments for intelligent contract compiling and running, and the intelligent contract compiling and running are run in a host machine by an independent process, so that the operation and maintenance efficiency is improved.

The platform service subsystem: by introducing a platform service concept, the platform can construct an independent service subchain according to a specific service scene, allows the nodes of the participants to be added into the service chain, and realizes the improvement of the overall performance of the network by isolating each service chain and operating on the same platform.

The blacklist subsystem: once a certain node on the chain has a default condition, the default behavior is broadcasted to other nodes and recorded on the chain, and the default behavior is synchronously recorded under the chain through Oracle.

As shown in the network deployment diagram of fig. 1, the network node of the domestic trade credit insurance financing service based on the block chain 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;

seller (accounts receivable creditor) node: a seller is a party that provides goods or services to a buyer and obtains accounts receivable vouchers or invoices.

③ buyer (account receivable debtor) node: the party responsible for the accounts receivable debt by making a credit contract.

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, the insurance company node: the method provides credit insurance for the goods of the seller and collects corresponding premium, and when the buyer has default risk, the loss amount of the bank needs to be settled.

As shown in fig. 2, a preferred embodiment of the present application provides a domestic trade credit insurance financing method based on a block chain, comprising the steps of:

The embodiment provides a domestic trade credit insurance financing method based on a block chain, which realizes credibility, transparency and traceability of non-commercial confidential data among all main bodies of a supply chain by adopting a distributed account book technology, a chain storage structure, a credible timestamp, an asymmetric encryption technology, a consensus mechanism algorithm and the like of the block chain technology, can link and share main data in a transaction process in real time to the maximum extent while not influencing the autonomy of all main bodies in a supply chain network, ensures the authenticity of a trade background, obtains the consensus and approval of all nodes according to the authenticity of an account voucher and an insurance policy, enhances credit for financing of sellers, can realize quick circulation of bills, opens all data on the chain to alliance nodes, reduces additional cost caused by information asymmetry, and banks and insurance companies do not need to spend additional manpower and material resources for field investigation, survey cost is greatly reduced, interest and willingness of financial institutions participating in the emerging financing mode are improved, the problem that credit and financing of banks cannot cause due and unpaid risks due to the buyer is solved on the premise that the trade background is real, and in short, the domestic trade credit insurance financing service based on the block chain technology is a winning situation for the buyer, the seller, the bank, insurance companies and the block chain platform:

for the seller: and (6) obtaining financing. Because of the buyer enterprise endorsement, financing can be obtained relatively easily, and the financing cost is reduced. And the accounts receivable accounts are reduced. The method can realize the non-recourse warranty financing, reduce the locked fund flow in the receivable accounts, quickly obtain the fund support of the bank and accelerate the liquidity fund turnover. And thirdly, the collection of money is guaranteed. As the buyer enterprise promises the unconditional payment due to expiration, the payment willingness of the buyer enterprise is strengthened, and the collection due to the seller enterprise is effectively guaranteed. And fourthly, the financial statement of the enterprise can be optimized, and the development of small and medium-sized enterprises is more standardized. The default risk of the buyer can be effectively avoided, and the risk and loss of the seller caused by the credit and fund risk of the buyer are reduced. In a word, the domestic trade credit insurance financing service based on the block chain technology can help small and medium-sized enterprises to break the dilemma of 'difficult financing and expensive financing', so that better survival and development are realized, the social status of the small and medium-sized enterprises is stabilized, employment and society are facilitated to be promoted, and transformation and upgrading of social and economic structures are realized.

For the buyer: the method has the advantages of zero cost, zero investment and profit. The buyer enterprises do not need extra investment, excess profits can be obtained through credit trade, and the financial plan is also optimized. Secondly, the method is beneficial to the rapid development of enterprises. Through the block chain financing platform, the fund demand of delayed payment of the buyer can be effectively solved, the fund pressure of immediate payment of the buyer enterprise is relieved, the development and growth of the buyer enterprise are facilitated, the industry upgrade of the buyer enterprise is promoted, the diversified demands of the market are timely met, the market share is enlarged, and the market competitiveness is improved. And thirdly, optimizing the report. The buyer enterprise can prolong the cash payment period of the buyer by adopting credit settlement, the buyer enterprise does not need to immediately open a business ticket and pay corresponding cash, the fund flow of the buyer enterprise can be optimized, and the payment liability is increased. Meanwhile, under the constraint of technologies such as intelligent contracts and the like, the credit risk of the buyer is effectively reduced, the supply chain network can be helped to rebuild a trust mechanism, and better coordination and decision among enterprises are realized.

For a bank: firstly, high-quality assets are obtained. Based on the real trade background, the default risk of the buyer is effectively controlled, and the bank can obtain high-quality accounts receivable. Secondly, stable benefits are obtained. The bank can both hold the accounts receivable due, also can carry out the credit circulation to the next grade through the mode of debt right transfer, and the later stage can pack into ABS, carries out the circulation and drops into, and help the bank obtains stable income. The investigation cost of financial institutions such as banks to the authenticity of the trade background is reduced, the participation degree of the banks is improved due to the transparent information disclosure, the credit risk of buyers needing to be borne by the banks is reduced, and the additional loss under the traditional supply chain is avoided. And fourthly, the bank can realize stable fixed income of interest, procedure cost and the like, and as long as enough enterprises with financing requirements on the block chain platform exist, the bank can still realize scale benefits by providing fast and batch loans.

For an insurance company: the method can provide a new credit insurance mode for enterprises with financing requirements, and helps insurance companies to expand the market range and the cooperation smoothness and depth of cooperative users. Secondly, potential customer markets can be jointly developed through cooperation with the bank, the bank and the insurance company can develop respective customer resources, the bank and the insurance company can share the customer resources while the independence is kept, the scale of users is increased, market share is favorably expanded, and income of the insurance company is increased. The investigation cost of the insurance company on the authenticity of the trade background of the insured goods is reduced, the participation of the insurance company is improved, the claim settlement procedure and the process are simplified, and the efficiency is greatly improved. The insurance company can obtain stable fixed income such as insurance cost, procedure cost and the like.

For the blockchain platform: the method is a light-asset and income-creating platform. By providing the block chain platform, the participation of each main body of the supply chain is attracted, the bottom holding and the exchange are not provided, the block chain platform can collect corresponding operation cost and obtain corresponding benefits, and when enough platform users exist, a good ecological system can be realized. Second, get the guest and increase the settlement. The block chain platform can also provide services such as financing function and the like, and the platform can increase channels for obtaining customers, and lays a foundation for excavating core customer requirements, increasing capital settlement and deposit sediment.

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

s11, after negotiation with the buyer node, the seller node deploys a domestic trade contract on the block chain, and after signature confirmation, the seller node notifies the buyer node and records the contract on the chain;

and S12, the buyer node checks the contents of the trade contract, signs and confirms the contents and records the contents on the chain.

According to the embodiment, when the trade contract is signed, related contents signed and related to the trade contract are published on the chain after signature confirmation of the seller node and the buyer node, and through the consensus mechanism and repeated confirmation of all the nodes, people keep accounts and guarantee that information cannot be tampered and is transparently disclosed, so that the information is guaranteed to be complete, lossless, real, reliable, controllable in real time, and financing risk is reduced.

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

s21, after goods are prepared, the seller node applies for insurance application to an insurance company, issues a corresponding application form for insurance application and records the application form on a chain;

s22 the insurance company node receives the application for insurance of the seller node, deploys the credit standing assessment application on the block chain, and applies for investigation of the goods data under the seller node chain to the Oracle node;

s23, after receiving the credit worthiness assessment application form of the insurance company, generating a credit worthiness assessment report about the seller node by surveying the Oracle node, and after signature confirmation, recording the report on the chain and informing the insurance company node;

s24, the insurance company node notifies a seller node after signature confirmation on an application book for insurance application;

s25, the seller node pays insurance cost to the insurance company node, and the transfer records of the seller node are uploaded to the chain through the Oracle node;

s26, after confirming that the goods money is received, the insurance company node signs a name on the transfer record and records the transfer record on the chain;

s27, after receiving insurance cost of the seller node, the insurance company node deploys a policy on the block chain, issues a policy and sends a notice to the seller node, and records the notice on the chain;

and S28, the seller node signs after confirming that the policy contents are correct and records the policy contents on the chain.

In the embodiment, before the seller node insurances to the insurance company node, the insurance company node firstly queries the credit investigation condition of the seller node through the Oracle node, calls the authenticity of credit investigation data of the seller node, prevents counterfeiting, reduces the risk of the insurance company node, and then completes payment and reception of insurance cost. Related data related in the whole insuring process 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, information is guaranteed to be not falsified and transparently disclosed, the integrity, the non-damage, the reality, the reliability, the real-time controllability and the insurance risk are guaranteed, and the insurance risk is reduced.

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

s31, after goods are prepared, a seller node and a third-party logistics node negotiate and then begin to deploy a goods transportation contract on a block chain, and the third-party logistics node is entrusted to transport the goods to a buyer node and record the goods on the chain;

s32, the third-party logistics node confirms that the contents of the freight contract are correct, signs and records the contents on the chain;

s33, after goods are shipped out by the third-party logistics node, deploying and issuing a shipping bill on the block chain, then sending a notice to the buyer node, and recording the notice on the chain;

s34, after receiving the goods, the buyer node checks and compares the details of the goods with the contents of the shipping bill, signs after confirming that the contents of the shipping bill are correct, and records the signatures on the chain;

s35, after receiving goods, the buyer node deploys accounts receivable and creditor certificates on the block chain and issues the accounts receivable and creditor certificates, and then the seller node is informed and records the accounts receivable and creditor certificates on the chain;

and S36, after the seller receives the notice and confirms that the content of the account-receivable/creditor certificate is consistent with the content of the previously signed trade contract, signing and confirming and recording the content to the chain.

In the process of delivering goods and forming accounts receivable and debt right certificates, relevant document information such as freight contracts, transportation orders, accounts receivable and debt right certificates and the like related to the seller nodes, the third-party logistics nodes and the buyer nodes in the collaborative process are published on a chain after being digitally signed by the relevant nodes, and through the consensus mechanism and repeated confirmation of the nodes, people keep accounts, the information is guaranteed to be untrustable and transparently disclosed, the information is guaranteed to be complete, lossless, real, reliable, controllable in real time, and financing risk is reduced.

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

s41, after receiving the insurance policy and the receivable account and debt right certificate, the seller node deploys the domestic trade financing application on the block chain, records the application on the chain after signature confirmation, and notifies the bank node;

s42, after receiving a financing application of the seller node, the bank node examines the authenticity of trade backgrounds of the buyer and the seller through trade contracts, freight contracts, transportation lists, transfer records and receivable account/debt certificate documents on the chain;

s43, the bank node deploys a credit investigation assessment application on the block chain, and applies for investigation on other credit investigation data under the seller node chain to the Oracle node;

s44, after receiving a credit worthiness assessment application form of the bank, generating a credit worthiness assessment report about a seller node by surveying an Oracle node, recording the report on a chain after signature confirmation, and informing the bank node;

s45, after receiving the credit worthiness evaluation report of the Oracle node about the seller node, the bank node agrees to the financing application of the seller node, deploys a warranty agreement and signs and confirms on the block chain, informs the seller node, and synchronously records the insurance agreement and the signature on the chain after completion;

and S46, after the seller node receives the warranty agreement book of the bank node and checks that the content of the warranty agreement contract is correct, signature confirmation is carried out and the signature is recorded on the chain.

In the embodiment, in the process of applying financing by a seller node, after a bank node receives financing application of the seller node, the bank node firstly examines the authenticity of trade background of buyers and sellers through related documents on a chain, and other credit investigation data under the seller node chain are applied and investigated through an Oracle node; the banking node then deploys the warranty agreement after the review passes and signs the confirmation uplink with the seller node in turn.

Step S42 requires the receipt invoice verification operation, which is to identify the enterprise sales invoice specific area and send it to the invoice pool system for verification, judge whether it is true and valid, and match the states of invoice issuing, red flushing, invalidation and the like, the invoice verification query result can be automatically added into the invoice pool, and the verification result is stored in the block chain. The required nodes and their functions are: (1) the invoice chaining node is used for entering invoice verification completion information into a chain by a financial institution; (2) the user node, enterprise user can check and confirm the invoice participating in financing; (3) the invoice publicity node, the financing intermediary organization can identify and inquire the invoice participating in the financing corroboration; (4) the supervision node can supervise and audit the uplink data in compliance by a supervision mechanism; (5) and the operation node is used for performing operation maintenance on the block chain foundation platform.

In the process of applying for financing by the seller nodes, related information 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 person 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.

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

s51, after the warranty agreement is finished, the bank node (the creditor and the transferee) deploys the accounts receivable and creditor transfer agreement on the block chain, signature confirmation is carried out, the seller node is informed, and after the account receivable and the creditor transfer agreement is finished, data are synchronously recorded on the chain;

s52, after receiving the receivable and debt right transfer agreement notification, the seller node (the creditor) checks the signature after the receivable and debt right transfer agreement content is correct so as to realize the right of the receivable and debt right transfer, and notifies the buyer node, and all data are recorded on the chain;

s53, after receiving the notification of the seller node, the buyer node (debtor) verifies the content of the accounts receivable and debt right transfer protocol, signs and confirms the content of the accounts receivable and debt right transfer protocol after confirming that the content is correct, and records the content on the chain;

s54, the bank node (the creditor and the transferee) deploys the policy and creditor transfer protocol on the block chain, signs and confirms, and then notifies the seller node and records the policy and creditor transfer protocol on the chain;

s55, the seller node checks the content of the policy and debt right transfer agreement and signs the agreement to realize the right of the policy and debt right transfer, and then notifies the insurance company node and records the right on the chain;

and S56, after the insurance company node receives the notification of the seller node and checks and confirms that the content of the policy and debt right transfer protocol is correct, signing and confirming the policy and debt right transfer protocol, and recording the signature and confirmation on the chain.

In the process of accounts receivable and policy transfer, the bank node preferably deploys accounts receivable and policy transfer protocols on the blockchain, the bank node, the seller node and the buyer node sequentially sign and confirm the accounts receivable and the policy transfer protocols and record the chain, the bank node deploys policy and policy transfer protocols on the blockchain, and the bank node, the seller node and the insurance company node sequentially sign and confirm the accounts receivable and the policy transfer protocols and record the chain. As the related information related in the 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, people keep accounts, guarantee that the information cannot be tampered and is transparently disclosed, guarantee that the information is complete, lossless, real, reliable, real-time and controllable, and reduce the financing risk.

In a preferred embodiment of the present application, the step S6 specifically includes:

s61, after the transfer of the accounts receivable debt and the insurance policy is completed, the bank node issues financing pre-payment to the seller node, and the transfer records of the bank node are uploaded to a chain through an Oracle node;

and S62, after confirming that the goods payment is received, the seller node signs a name on the transfer record and records the transfer record on the chain.

In the process of issuing financing pre-payment, related information is published on a chain after being digitally signed by a bank node, a seller node and an Oracle node, and through a consensus mechanism and repeated confirmation of each node, the person accounts, the information is guaranteed to be not falsified and transparently disclosed, the information is guaranteed to be complete, lossless, real, reliable and controllable in real time, and financing risk is reduced.

In a preferred embodiment of the present application, the step S7 specifically includes:

s71, when accounts receivable are due, the buyer node pays the accounts payable to a special money return account of the bank node, and the transfer records of the buyer node are uploaded to a chain through an Oracle node;

s72, after confirming that the goods payment is received, the bank node carries out signature confirmation on the transfer account record and records the transfer account record on the chain;

s73, after the bank node receives all the goods money, the remaining goods money is paid to the seller node, and the Oracle node uploads the transfer records of the bank node to the chain;

s74, after receiving the residual goods, the seller node signs and confirms the account transfer record and records the account transfer record on the chain;

s75, if the sales income of the buyer node is not enough to repay all accounts payable and the buyer node selects default, the bank node records the default condition on the chain and updates the credit assessment report of the bank node through an Oracle node;

s76, the bank node asks for a claim from the insurance company node, the insurance company node pays the bank loss amount, and the Oracle node uploads the transfer record of the insurance company node to the chain;

and S77, after receiving the payment, the bank node signs and confirms the transfer account record and records the transfer account record on the chain.

In the repayment settlement process, after the account is expired, the bank node pays the remaining goods to the seller node after receiving all the goods, if the sales income of the buyer node is not enough to repay all the accounts payable and the buyer node chooses default, the bank node records the default condition on the chain and updates the credit assessment report through the Oracle node, the bank node claims the insurance company node, and the insurance company node pays the bank loss. As the related information related in the 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, people keep accounts, guarantee that the information cannot be tampered and is transparently disclosed, guarantee that the information is complete, lossless, real, reliable, real-time and controllable, and reduce the financing risk.

Specifically, the step S76 specifically includes the steps of:

s761, except for an insurance contract, after the bank node has a credit risk specified by the insurance contract, the bank node fills a possible loss notice to the insurance company node;

s762, after the credit risk occurs, the bank node actively takes risk prevention and control measures under the guidance of the insurance company node, so that the loss is reduced to the maximum extent;

s763, while actively reducing loss, the bank node signs the 'Commission agency agreement' in Chinese and English, provides related documents and authorizes the insurance company node to intervene in investigation and discussion, so that the insurance company node finds the loss reason as early as possible and carries out loss assessment and claim check in time;

s764, after the insurance loss amount is determined, the bank node formally puts a claim application to the insurance company node;

s765, after the insurance company node accepts the claim application of the bank node, comprehensively judging insurance responsibility according to the investigation and approval result and the policy performance condition of the bank node, and making a claim decision;

and S766, after the insurance company node pays, the bank node transfers the rights and interests related to the claim to the insurance company node and assists the insurance company node to continue to compensate the buyer node.

The embodiment discloses a specific business process of a bank node for claiming a claim from an insurance company node and paying the bank loss amount for the insurance company node, wherein the bank node actively takes risk prevention and control measures under the guidance of the insurance company node in the claim process to reduce the loss to the maximum extent, and after the insurance company node pays the claim related to the claim money, the bank node transfers the rights and interests to the insurance company node in time and assists the insurance company node to continue to compensate the buyer node, so that the insurance company node is reduced to the maximum extent, and the financing risk is reduced.

As shown in fig. 3 and 4, the preferred embodiment of the present application also provides a domestic trade credit insurance financing method based on a block chain, comprising the steps of:

s1, after negotiation with a buyer node, a seller node deploys a domestic trade contract on a block chain, and after signature confirmation, the seller node notifies the buyer node and records the contract on the chain;

s2, the buyer node checks that the trade contract content is correct, then signs and confirms, and records the trade contract content on a chain;

s3, after goods are prepared, the seller node applies for insurance application to an insurance company, issues a corresponding application form for insurance application and records the application form on a chain;

s4, after receiving the insurance application of the seller node, the insurance company node deploys a credit standing assessment application on the block chain and applies for investigating goods data under the seller node chain to the Oracle node;

s5, after receiving the credit worthiness evaluation application form of the insurance company, generating a credit worthiness evaluation report about the seller node by surveying the Oracle node, and after signature confirmation, recording the credit worthiness evaluation report on a chain and informing the insurance company node;

s6, the insurance company node notifies the seller node after signature confirmation on the application book of insurance;

s7, the seller node pays insurance cost to the insurance company node, and the transfer records of the seller node are uploaded to the chain through the Oracle node;

s8, after confirming that the goods money is received, the insurance company node signs a name on the transfer record and records the transfer record on the chain;

s9, after receiving insurance cost of the seller node, the insurance company node deploys a policy on the block chain, issues a notification to the seller node after issuing the policy, and records the notification on the chain;

s10, the seller node signs after confirming that the policy content is correct and records the policy content on a chain;

s11, after goods are prepared, a seller node and a third-party logistics node negotiate and then begin to deploy a goods transportation contract on a block chain, and the third-party logistics node is entrusted to transport the goods to a buyer node and record the goods on the chain;

s12, the third-party logistics node confirms that the contents of the freight contract are correct, signs and records the contents on the chain;

s13, after goods are shipped out by the third-party logistics node, deploying and issuing a shipping bill on the block chain, then sending a notice to the buyer node, and recording the notice on the chain;

s14, after receiving the goods, the buyer node checks and compares the details of the goods with the contents of the shipping bill, signs after confirming that the contents of the shipping bill are correct, and records the signatures on the chain;

s15, after receiving goods, the buyer node deploys accounts receivable and creditor certificates on the block chain and issues the accounts receivable and creditor certificates, and then the seller node is informed and recorded on the chain;

s16, after the seller receives the notification and confirms that the content of the creditor certificate of the receivable account is consistent with the content of the previously signed trade contract, signature confirmation is carried out and the content is recorded on the chain;

s17, after receiving the insurance policy and the receivable account and debt right certificate, the seller node deploys the domestic trade financing application on the block chain, records the application on the chain after signature confirmation, and notifies the bank node;

s18, after receiving a financing application of a seller node, the bank node examines the authenticity of trade backgrounds of buyers and sellers through trade contracts, freight contracts, transportation lists, transfer records and receivable account/debt certificate documents on the chain;

s19, the bank node deploys a credit investigation assessment application on the block chain, and applies for investigation on other credit investigation data under the seller node chain to the Oracle node;

s20, after receiving a credit worthiness assessment application form of the bank, generating a credit worthiness assessment report about a seller node by surveying an Oracle node, recording the report on a chain after signature confirmation, and informing the bank node;

s21, after receiving a credit worthiness evaluation report of the Oracle node about the seller node, the bank node agrees to a financing application of the seller node, deploys a warranty agreement and signs a confirmation on the block chain, informs the seller node, and synchronously records the insurance agreement and the signature on the chain after completion;

s22, after the seller node receives the warranty agreement book of the bank node and checks that the content of the warranty agreement contract is correct, signature confirmation is carried out and the signature is recorded on the chain;

s23, after the warranty agreement is finished, the bank node (the creditor and the transferee) deploys the accounts receivable and creditor transfer agreement on the block chain, signature confirmation is carried out, the seller node is informed, and after the account receivable and the creditor transfer agreement is finished, data are synchronously recorded on the chain;

s24, after receiving the receivable and debt right transfer agreement notification, the seller node (the creditor) checks the signature after the receivable and debt right transfer agreement content is correct so as to realize the right of the receivable and debt right transfer, and notifies the buyer node, and all data are recorded on the chain;

s25, after receiving the notification of the seller node, the buyer node (debtor) verifies the content of the accounts receivable and debt right transfer protocol, signs and confirms the content of the accounts receivable and debt right transfer protocol after confirming that the content is correct, and records the content on the chain;

s26, a bank node (a liability and transferee) deploys a policy and liability assignment agreement on the block chain and signs and confirms, and then a seller node is notified and recorded on the chain;

s27, the seller node checks the content of the policy and debt right transfer agreement and signs the agreement to realize the right of the policy and debt right transfer, and then the insurance company node is informed and recorded on the chain;

s28, after the insurance company node receives the notification of the seller node and checks and confirms that the content of the policy and debt right transfer protocol is correct, signature confirmation is carried out on the policy and debt right transfer protocol and the signature confirmation is recorded on the chain;

s29, after the transfer of the accounts receivable debt and the insurance policy is completed, the bank node issues financing pre-payment to the seller node, and the transfer records of the bank node are uploaded to the chain through the Oracle node;

s30, after confirming that the goods money is received, the seller node signs a name on the transfer record and records the transfer record on the chain;

s31, when accounts receivable are due, the buyer node pays the accounts payable to a special money return account of the bank node, and the transfer records of the buyer node are uploaded to a chain through an Oracle node;

s32, after confirming that the goods payment is received, the bank node carries out signature confirmation on the transfer account record and records the transfer account record on the chain;

s33, after the bank node receives all the goods money, the remaining goods money is paid to the seller node, and the Oracle node uploads the transfer records of the bank node to the chain;

s34, after receiving the residual goods payment, the seller node signs and confirms the account transfer record and records the account transfer record on the chain;

s35, if the sales income of the buyer node is not enough to repay all accounts payable and the buyer node selects default, the bank node records the default condition on the chain and updates the credit assessment report of the bank node through the Oracle node;

s36, the bank node asks for a claim from the insurance company node, the insurance company node pays the bank loss amount, and the Oracle node uploads the transfer record of the insurance company node to the chain;

and S37, after receiving the goods payment, the bank node signs and confirms the account transfer record and records the account transfer record on the chain.

As shown in fig. 5, the preferred embodiment of the present application also provides a domestic trade credit insurance financing device based on a block chain, comprising:

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 block chain-based domestic trade credit insurance financing method.

Another embodiment of the present application further provides a storage medium including a stored program, which when executed controls a device on which the storage medium is located to perform the block chain-based domestic trade credit insurance financing method.

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 trade insurance financing process under the whole export credit insurance item 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 international trade is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved.

The domestic trade credit insurance financing service fully utilizes the intelligent contract technology, sets a special account for the refund of the buyer, avoids the risk that the buyer enterprises maliciously falsify the account and use the fund, sets a computer programmable language corresponding to the refund time and condition lattice of the receivable account, and once the preset time and condition are triggered, the intelligent contract can automatically send settlement and payment instructions to the account of a bank system so as to complete the refund step. When the buyer in the account receivable term end generates default risks, the system can send out alarm warning in time through the preset conditions of the intelligent contract, the bank can timely urge to collect money for the buyer enterprise, if the buyer does not pay money, a blacklist is established for the buyer, then the buyer can conveniently claim for the insurance company, and under the support of the intelligent contract, the financing efficiency can be improved, and the credit risk required to be born by the bank is greatly reduced.

The application is based on the evidence storing technology of the block chain, and can traverse and verify all levels of data in a transaction network through an algorithm, wherein all levels of data comprise: the node data is obtained by computer systems, operation sites, social credit systems (tax department, electric power department, and the like) and the like of all nodes, middleware, hardware (such as GPS, RFID, and the like), and the like. The verification method comprises the following steps: 1. traversing the transaction node data on the chain, and checking the reasonability of the transaction data on the chain; 2. traversing data in a transaction network, and verifying the logic reasonability of the data; 3. and traversing the data of the time sequence relation, and verifying the logic reasonability of the data. Through the triple data cross verification, a transaction certification system from point to line and then to the network is formed, the transaction authenticity can be comprehensively verified, and a calculation credit result with extremely high credibility is finally obtained.

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 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 domestic trade credit insurance financing method based on a block chain is characterized by comprising the following steps:

2. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S1 specifically comprises the steps of:

3. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S2 specifically comprises the steps of:

4. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S3 specifically includes:

5. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S4 specifically comprises the steps of:

6. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S5 specifically comprises the steps of:

s51, after the warranty agreement is finished, the bank node deploys an accounts receivable and debt right transfer agreement on the block chain, the signature is confirmed and the seller node is informed, and after the account receivable and debt right transfer agreement is finished, data are synchronously recorded on the chain;

s52, after receiving the receivable and debt right transfer agreement notification, the seller node checks the signature after the receivable and debt right transfer agreement content is correct so as to realize the right of confirmation of the receivable and debt right transfer, and notifies the buyer node, and all data are recorded in a chain;

s53, after receiving the notification of the seller node, the buyer node verifies the content of the accounts receivable and debt right transfer protocol, signs and confirms the accounts receivable and debt right transfer protocol after confirming that the content is correct, and records the signature and confirmation to the chain;

s54, the bank node deploys the policy and debt transfer agreement on the block chain and signs and confirms, and then notifies the seller node and records the policy and debt transfer agreement on the chain;

7. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S6 specifically comprises the steps of:

8. The domestic trade credit insurance financing method based on the block chain as claimed in claim 1, wherein the step S7 specifically comprises the steps of:

9. The domestic trade credit insurance financing method based on block chain as claimed in claim 8, wherein said step S76 specifically includes the steps of:

10. A domestic trade credit insurance financing device based on a block chain is characterized by comprising: