CN111160903A - Method and storage medium for export collection and deposit based on block chain - Google Patents
Method and storage medium for export collection and deposit based on block chain Download PDFInfo
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- CN111160903A CN111160903A CN201911279647.1A CN201911279647A CN111160903A CN 111160903 A CN111160903 A CN 111160903A CN 201911279647 A CN201911279647 A CN 201911279647A CN 111160903 A CN111160903 A CN 111160903A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q50/10—Services
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Abstract
The invention discloses a method for export collection and deposit based on a block chain and a computer readable storage medium, wherein in the method, an exporter node can quickly and accurately acquire basic information and credit worthiness of an importer node on the block chain, and then determine whether to sign a trade contract with the importer node after accurate evaluation, so that the trade risk of the exporter node can be effectively reduced; the collection line node can quickly and accurately acquire the credit worthiness evaluation result of the exporter node on the block chain, so that whether the export collection escort service is handled or not is accurately judged, and the financial risk of the collection line node is effectively reduced; and moreover, relevant data such as trade contract signing, export collection, deposit transaction, goods logistics information, payment information, goods extraction and the like are uploaded to the block chain, the whole transaction process is transparent and convenient to monitor, and all data information needs relevant nodes to sign and endorse, so that the possibility of trade fraud is avoided.
Description
Technical Field
The present invention relates to the technical field of export collection and deposit in trade financing, and in particular, to a method for export collection and deposit based on a blockchain and a computer-readable storage medium.
Background
The export collection and deposit is a trade financing mode that the exporter payee adopts collection as a settlement mode and delivers the bill to the collection bank at the export place, before the payment of the goods is collected, the collection bank is required to pre-pay part or all of the payment of the goods, and the payment of the bank is returned after the collection of the payment. The existing export collection and escort mode has the following problems:
1. credit risk of importer and exporter and bank credit risk
Export collection, deposit and financing repayment mainly depends on the credit worthiness and the capability of an import and export company, and the possibility that the import and export company cannot perform on time can occur, so that a bank bears final risks; in the transaction process, the situation that the bank is bad in operation and operation style, so that the payment of the exporter cannot be recovered, and the exporter bears final risks may occur; the existing transaction process has poor risk control capability, and can cause a trust crisis among all parties.
2. Document fraud risk
In the transaction process, the situations of data, receipt, contract counterfeiting and the like may occur, so that the authenticity of the transaction is influenced, effective supervision cannot be performed, and the bank financing risk is high.
Disclosure of Invention
The invention provides a block chain-based export collection and deposit method and a computer-readable storage medium, which aim to solve the technical problem of poor risk control capability of the existing export collection and deposit method.
According to one aspect of the invention, a method for export collection based on a blockchain is provided, which comprises the following steps:
step S1: the import merchant node deploys a trade contract request which stipulates a collection settlement mode on a block chain and carries out hash signature, and the export merchant node evaluates the basic information and credit information condition of the import merchant node and carries out the hash signature on the trade contract;
step S2: the export provider node deploys an export collection deposit application on the block chain and carries out hash signature, a collection line node evaluates the credit worthiness of the export provider node and deploys an export collection deposit protocol and a proxy agent protocol on the block chain and carries out hash signature, and the export provider node and the proxy agent node verify the signature of the collection line node and carry out hash signature on the export collection deposit protocol and the proxy agent protocol respectively;
step S3: the export merchant node prepares goods transportation activities according to the convention of the trade contract, and information related to the goods transportation process is uploaded to the block chain;
step S4: conducting a payment or redemption activity upon request by the exporter node, information relating to the conducting of the payment or redemption activity being uploaded to the block chain;
step S5: the collection agency node issues a bill of lading to the import agency node after confirming that the remittance is received, the import agency node applies for extracting goods based on the bill of lading, and relevant information of the goods extraction process is uploaded to the block chain;
step S6: the collection agency node pays the payment of the goods to the export business node through the collection agency node, and the payment information of the goods is signed by the relevant node and then recorded on the block chain.
Further, the step S1 specifically includes the following steps:
step S11: the import merchant node selects an export merchant node to be transacted, deploys a trade contract request for stipulating a collection settlement mode on the block chain, and carries out hash signature by using a private key of the import merchant node;
step S12: the exporter node verifies the abstract of the trade contract after receiving the trade contract, sends a request for acquiring the basic information and the credit standing condition of the importer node to the Oracle node after determining that the contract is drawn up by the importer node, and carries out hash signature on the request by using a private key of the exporter node;
step S13: after receiving the request, the Oracle node firstly verifies the abstract of the request, and after determining that the request is sent by the exporter node, the Oracle node records the basic information and the credit worthiness of the importer node on the block chain after carrying out hash signature on the basic information and the credit worthiness of the importer node by using a private key of the Oracle node;
step S14: after receiving the information of the Oracle node, the exporter node firstly verifies the abstract of the Oracle node, determines whether to accept the trade contract according to the information after determining that the information is sent by the Oracle node; and if the export merchant node refuses the trade contract application of the import merchant node, generating a refusal notice of the import merchant node on the block chain, if the contract is accepted, carrying out hash signature on the contract by using a private key of the export merchant node, and storing the contract onto the block chain.
Further, the step S2 specifically includes the following steps:
step S21: the export business node selects a collection line node, deploys an export collection deposit application form on the block chain and carries out hash signature by using a private key of the export collection deposit application form;
step S22: verifying the abstract of the export collection and deposit application table by the collection line node, determining that the table is sent by the export node, deploying the credit investigation and evaluation application table of the export node on the block chain and carrying out hash signature by using a private key of the collection line node;
step S23: after receiving the application form, the credit investigation node firstly verifies the abstract of the application form, determines that a credit investigation request is sent by a collection line node, judges the authenticity of data uploaded by an exporter node, evaluates the comprehensive strength and credit worthiness of the data, carries out hash signature on the data and an enterprise credit worthiness evaluation result by using a private key of the credit investigation node, records the hash signature on a block chain, and automatically generates an enterprise credit worthiness evaluation form of automatic hash endorsement signature of all nodes participating in the evaluation process by the block chain;
step S24: after receiving the enterprise credit investigation table, the collection bank node firstly verifies the abstract of the enterprise credit investigation table, determines that the enterprise credit investigation table is sent by the credit investigation node, and then determines whether to accept the export collection deposit application based on the credit guarantee amount and the credit investigation condition of the exporter node; if the collection line node refuses the export collection deposit application of the export provider node, a refusal notice for the export provider node is generated on the block chain, and if the collection line node accepts, an export collection deposit protocol and a proxy agent protocol are deployed on the block chain and hash signature is carried out by using a private key of the collection line node;
step S25: after receiving the export collection agreement, the export business node verifies the abstract, determines that the export collection agreement is sent by a collection bank, and carries out hash signature by using a private key of the export collection agreement after verifying the content of the export collection agreement;
step S26: after receiving the proxy agent protocol, the proxy agent node verifies the abstract, confirms that the abstract is sent by the proxy agent node, and verifies the content of the proxy agent protocol and then uses the private key of the proxy agent node to carry out hash signature authentication.
Further, the step S3 specifically includes the following steps:
step S31: the exporter node prepares goods according to the trade contract regulation signed with the importer node, compiles a complete set of documents conforming to the contract regulation, opens a draft taking the importer node as a payer, uploads the draft to a block chain after hash signature is carried out by a private key of the exporter node, informs a third party detection node of detecting the quality and specification of goods, informs a logistics storage node of loading and transporting the goods and reports the goods to an exporter customs node;
step S32: after the third-party detection node detects that the goods are qualified, generating a detection report, storing the verification report on a block chain, and performing hash signature by using a private key of the third-party detection node;
step S33: the logistics storage node records logistics information to a block chain, generates a triplicate bill of lading and sends the triplicate bill of lading to the outlet business node, and performs hash signature on the logistics information and the bill of lading;
step S34: after the customs nodes of the exporter inspect and receive the taxes for the goods, deploying an inspection record sheet, a tariff invoice and a value-added tax invoice which are signed by hash by using a private key of the exporter, and storing the inspection record sheet, the tariff invoice and the value-added tax invoice on a block chain;
step S35: the import side customs node checks the goods, compares the goods with the checking record sheet of the export side customs node, and after checking whether the goods are consistent with the checking record sheet, the checking record sheet which is hash-signed by the private key of the import side customs node is stored and certified on the block chain, and meanwhile, the tariff invoice and the value-added tax invoice which are hash-signed by the private key of the import side customs node are deployed and certified on the block chain;
step S36: when the logistics storage node transports the goods to the warehouse of the goods selling area of the import business node, the logistics arrival information is recorded on the block chain, and the private key of the logistics arrival information is used for carrying out hash signature.
Further, the step S4 specifically includes the following steps:
step S41: the export business node verifies the abstract after receiving the three-in-one bill, and after confirming that the bill is sent by the logistics storage node, the export business node issues a complete set of bills signed by a hash of a private key of the export business node to the collection node and records the bills on the block chain;
step S42: the receiving bank node verifies the abstract of the complete document after receiving the complete document, confirms the complete document sent by the export business node, issues the complete document signed by hash of the private key of the receiving bank node to the receiving bank node, prompts payment or accepts a redemption sheet, and uploads prompt information to a block chain;
step S43: the collection agency node verifies the abstract of the complete document after receiving the complete document, after confirming that the complete document is sent by the collection agency node and is accurate, carries out hash signature by using a private key of the collection agency node, prompts the import agency node to pay or accept a redemption sheet, and uploads prompt information to a block chain;
step S44: the importer node verifies the abstract after receiving the prompt message, confirms that the abstract is sent by the collection and delivery node, namely, the payment or acceptance is due to the draft, and records the payment or acceptance information on the block chain after carrying out hash signature by using the private key of the importer node.
Further, the step S5 specifically includes the following steps:
step S51: the collection agency node receives remittance or receives a long-term receipt, firstly verifies the abstract of remittance information, determines that the information is sent by the importer node, then confirms the money information of the remittance and carries out hash signature by using a private key thereof, and issues a bill of which the hash signature is carried out by using the private key thereof to the importer node and records the bill of which the hash signature is carried out by using the private key thereof on a block chain;
step S52: the import business node verifies the abstract after receiving the bill of lading, confirms that the abstract is sent by the collection node, applies for goods extraction through the bill of lading, performs hash signature by using a private key of the import business node, and records the hash signature on the block chain;
step S53: after receiving the information of extracting the goods, the logistics storage node verifies the abstract of the goods, determines that the information is sent by the import business node, and after the import business node extracts the goods, confirms the information of the goods leaving the warehouse, performs hash signature by using a private key of the logistics storage node, and records the information on the block chain.
Further, the step S6 specifically includes the following steps:
step S61: the collection agency node pays remittance or long-term receipt payment paid by the importer node to the collection agency node, confirms the money and interest information of the remittance and uses the private key thereof to carry out hash signature authentication and records the hash signature authentication on the block chain;
step S62: the receiving bank node verifies the abstract after receiving the remittance or the accepted long-term draft, determines that the information is sent by the receiving bank node, confirms the money and interest information of the draft and carries out hash signature by using a private key thereof, records the information on the block chain, pays the surplus to the export business node, carries out hash signature on the surplus payment information by using the private key thereof and records the surplus payment information on the block chain;
step S63: the export business node verifies the abstract after receiving the surplus information of the collection line node, determines that the surplus information is sent by the collection line node, performs hash signature by using a private key of the export business node, and finally records the information on the block chain.
Furthermore, if the import merchant node is in a payment and delivery mode, the consignor node deducts deposit principal, interest and related expenses and pays the surplus to the export merchant node, the surplus information is subjected to hash signature authentication by using a private key of the consignor node and then recorded on the block chain, and if the import merchant node is in a receipt mode, the goods payment is paid when a long-term draft is due.
The present invention also provides a computer readable storage medium for executing a computer program for export-based deposit-withdrawal based on a blockchain, where the computer program executes the method for export-based deposit-withdrawal based on a blockchain as described above when the computer program runs on a computer.
The invention has the following beneficial effects:
according to the method for export collection and deposit based on the block chain, the export merchant node can quickly and accurately acquire the basic information and credit standing condition of the import merchant node on the block chain, and then determines whether to sign the trade contract with the import merchant node after accurate evaluation, so that the trade risk of the export merchant node can be effectively reduced, and the transaction trust of both parties is enhanced; in addition, the collection line node can also quickly and accurately acquire the credit worthiness evaluation result of the exporter node on the block chain, so as to accurately judge whether to handle export collection service for the collection line node, thereby effectively reducing the financial risk of the collection line node; and moreover, relevant data such as trade contract signing, export collection, deposit transaction, goods logistics information, payment information, goods extraction and the like are uploaded to the block chain, the whole transaction process is transparent and convenient to monitor, and all data information needs relevant nodes to sign and endorse, so that the possibility of trade fraud is avoided.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a block chain network deployment diagram of a method for export collection based on block chains according to a preferred embodiment of the present invention.
Fig. 2 is a business network diagram of a method for export collection based on blockchains in accordance with a preferred embodiment of the present invention.
Fig. 3 is a flow chart of a method for export collection based on blockchain according to a preferred embodiment of the present invention.
Fig. 4 is a sub-flowchart of step S1 in fig. 3 according to the preferred embodiment of the present invention.
Fig. 5 is a sub-flowchart of step S2 in fig. 3 according to the preferred embodiment of the present invention.
Fig. 6 is a sub-flowchart of step S3 in fig. 3 according to the preferred embodiment of the present invention.
Fig. 7 is a sub-flowchart of step S4 in fig. 3 according to the preferred embodiment of the present invention.
Fig. 8 is a sub-flowchart of step S5 in fig. 3 according to the preferred embodiment of the present invention.
Fig. 9 is a sub-flowchart of step S6 in fig. 3 according to the preferred embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
For ease of understanding, as shown in fig. 1 and 2, the following explains the multi-party nodes involved in the blockchain network in the method of export collection based on blockchain.
1. Oracle (prophetic machine): a platform for providing external information can allow the blockchain to be connected to any existing API, and can import, store and export information about network main bodies on the blockchain, so as to realize dynamic acquisition of the information.
2. And (4) an export business node: the enterprise is engaged in export trade and needs to collect the fund by entrusting and collecting the deposit through the export.
3. Import merchant node: the system is engaged in import trade and entrusts payment enterprises in business.
4. And (3) supporting and collecting the nodes: the bank handling the collection by the exporter committee provides the financing fund node.
5. And (3) generation and collection of the row nodes: the bank accepting the consignor entrusts the importer.
6. And (3) the credit investigation node: the credit investigation system is a mechanism which is specially engaged in the work of collecting, sorting, processing and analyzing the credit information data of enterprises and individuals, provides credit reports and provides diversified credit investigation services, is established by law, is independent of third parties of credit transaction parties and mainly operates credit investigation services, and can carry out credit worthiness assessment on importers and exporters, collection agencies and collection agencies.
7. The third party detection node: the commodity inspection is also called as just inspection, which refers to that an object except two mutually-connected subjects is a commodity inspection activity performed by a third party outside the interest of buying and selling according to relevant laws, standards or contracts by the identity of a just and authoritative wrong person.
8. Logistics storage node: the system is an economic organization which is at least engaged in one operation business of 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, and implements independent accounting and independent undertaking of civil responsibility.
9. Export side customs node: the national administrative organ exercising import and export supervision and management authority is used for verifying the authenticity of the goods, including types, quantities, taxes (import and export customs taxes, value-added taxes) and the like, and is responsible for verifying and checking the goods issuing pass.
10. Import side customs node: and the customs of the entrance party is referred, and the entrance tax is collected and the organization responsible for verifying and checking the goods issuing pass is responsible for verifying and checking the goods issuing pass.
As shown in fig. 3, a preferred embodiment of the present invention provides a method for export collection based on a blockchain, comprising the steps of:
step S1: the import merchant node deploys a trade contract request which stipulates a collection settlement mode on a block chain and carries out hash signature, and the export merchant node evaluates the basic information and credit information condition of the import merchant node and carries out the hash signature on the trade contract;
step S2: the export provider node deploys an export collection deposit application on the block chain and carries out hash signature, a collection line node evaluates the credit worthiness of the export provider node and deploys an export collection deposit protocol and a proxy agent protocol on the block chain and carries out hash signature, and the export provider node and the proxy agent node verify the signature of the collection line node and carry out hash signature on the export collection deposit protocol and the proxy agent protocol respectively;
step S3: the export merchant node prepares goods transportation activities according to the convention of the trade contract, and information related to the goods transportation process is uploaded to the block chain;
step S4: conducting a payment or redemption activity upon request by the exporter node, information relating to the conducting of the payment or redemption activity being uploaded to the block chain;
step S5: the collection agency node issues a bill of lading to the import agency node after confirming that the remittance is received, the import agency node applies for extracting goods based on the bill of lading, and relevant information of the goods extraction process is uploaded to the block chain;
step S6: the collection agency node pays the payment of the goods to the export business node through the collection agency node, and the payment information of the goods is signed by the relevant node and then recorded on the block chain.
In this embodiment, in the method for export collection and deposit based on the blockchain, the exporter node can quickly and accurately obtain the basic information and credit worthiness of the importer node on the blockchain, and then determine whether to sign the trade contract with the importer node after accurate evaluation, so that the trade risk of the exporter node can be effectively reduced, and the transaction trust of both parties can be enhanced; in addition, the collection line node can also quickly and accurately acquire the credit worthiness evaluation result of the exporter node on the block chain, so as to accurately judge whether to handle export collection service for the collection line node, thereby effectively reducing the financial risk of the collection line node; and moreover, relevant data such as trade contract signing, export collection, deposit transaction, goods logistics information, payment information, goods extraction and the like are uploaded to the block chain, the whole transaction process is transparent and convenient to monitor, and all data information needs relevant nodes to sign and endorse, so that the possibility of trade fraud is avoided.
It can be understood that, as shown in fig. 4, the step S1 specifically includes the following steps:
step S11: the import merchant node selects an export merchant node to be transacted, deploys a trade contract request for stipulating a collection settlement mode on the block chain, and carries out hash signature by using a private key of the import merchant node;
step S12: the exporter node verifies the abstract of the trade contract after receiving the trade contract, sends a request for acquiring the basic information and the credit standing condition of the importer node to the Oracle node after determining that the contract is drawn up by the importer node, and carries out hash signature on the request by using a private key of the exporter node;
step S13: after receiving the request, the Oracle node firstly verifies the abstract of the request, and after determining that the request is sent by the exporter node, the Oracle node records the basic information and the credit worthiness of the importer node on the block chain after carrying out hash signature on the basic information and the credit worthiness of the importer node by using a private key of the Oracle node;
step S14: after receiving the information of the Oracle node, the exporter node firstly verifies the abstract of the Oracle node, determines whether to accept the trade contract according to the information after determining that the information is sent by the Oracle node; and if the export merchant node refuses the trade contract application of the import merchant node, generating a refusal notice of the import merchant node on the block chain, if the contract is accepted, carrying out hash signature on the contract by using a private key of the export merchant node, and storing the contract onto the block chain.
In step S1, after receiving the trade contract, the exporter node verifies the signature of the importer node with the public key of the importer node, and after confirming that the trade contract request is the trade contract request deployed by the importer node, the basic information and the credit standing of the importer node are rapidly obtained through the oracle node, after receiving the request, the oracle node verifies the signature with the public key of the exporter node, and after determining that the request is the request sent by the exporter node, the basic information and the credit standing of the importer node are uploaded to the block chain, after receiving the information, the exporter node verifies with the public key of the oracle node, and then evaluates whether to receive the trade contract of the importer node, and the information circulation is performed on the block chain, and is transparent and convenient for supervision, and after receiving the information, the signature verification is performed first, thereby reducing the risk of each node, and improving the trust level between each node, the treatment efficiency is greatly improved.
It can be understood that, as shown in fig. 5, the step S2 specifically includes the following steps:
step S21: the export business node selects a collection line node, deploys an export collection deposit application form on the block chain and carries out hash signature by using a private key of the export collection deposit application form;
step S22: the consignment bank node verifies the abstract of the export consignment deposit and remittance application table by using the public key of the exporter node, determines that the table is sent by the exporter node, deploys the credit investigation and evaluation application table of the exporter node on the block chain and carries out hash signature by using the private key of the consignment bank node;
step S23: after the credit investigation node receives the application form, firstly, the public key of the node of the consignor is used for verifying the abstract of the credit investigation node, the credit investigation request is determined to be sent by the node of the consignor, the authenticity of data uploaded by the node of the exporter is judged, after the comprehensive strength and credit investigation condition of the data are evaluated, the data and the enterprise credit investigation result are subjected to hash signature by using the private key of the credit investigation node and are recorded on a block chain, and the block chain automatically generates an enterprise credit investigation table with automatic hash endorsement signature of all the nodes participating in the evaluation process;
step S24: after receiving the enterprise credit investigation table, the consignor node verifies the abstract by using the public key of the credit investigation node to determine that the enterprise credit investigation table is sent by the credit investigation node, and then determines whether to accept the export collection deposit application based on the credit guarantee amount and credit investigation condition of the exporter node; if the collection line node refuses the export collection deposit application of the export provider node, a refusal notice for the export provider node is generated on the block chain, and if the collection line node accepts, an export collection deposit protocol and a proxy agent protocol are deployed on the block chain and hash signature is carried out by using a private key of the collection line node;
step S25: after receiving the export collection agreement, the export business node verifies the abstract by using the public key of the collection line node, determines that the export collection agreement is sent by the collection line, and performs hash signature by using the private key of the export collection agreement after verifying the content of the export collection agreement;
step S26: after the proxy agent protocol is received by the proxy agent node, the digest of the proxy agent node is verified by using the public key of the proxy agent node, the proxy agent node confirms that the digest is sent by the proxy agent node, and after the content of the proxy agent protocol is verified, the hash signature authentication is carried out by using the private key of the proxy agent node.
In step S21, when the export supplier node deploys the export collection deposit application form on the blockchain, it is necessary to upload the export collection application form, the collection document, and other materials required by the collection line node to the blockchain, so that the collection line node can evaluate quickly and accurately.
In step S2, the entrustor node obtains the enterprise credit worthiness evaluation result of the exporter node quickly through the credit investigation node, so that the entrustor node can evaluate whether to provide export entrustment deposit service for the exporter node quickly and accurately, thereby reducing the risk of the entrustor node, and in the process of handling export entrustment deposit service, after receiving information, each node performs signature authentication by using the public key of the other node, thereby reducing the risk of each node, improving the trust level between each node, and greatly improving the processing efficiency.
It can be understood that, as shown in fig. 6, the step S3 specifically includes the following steps:
step S31: the export merchant node prepares goods according to the trade contract regulation signed with the import merchant node, determines the quality, quantity and delivery time of the goods, compiles a complete set of documents conforming to the contract regulation, wherein the documents comprise a packing document, an invoice, a trade contract, a customs declaration document, an export collection and approval document and various documents related to customs supervision conditions, opens a draft taking the import merchant node as a payer, performs hash signature by using a private key of the import merchant node, uploads the draft to a block chain, informs a third-party detection node of detecting the quality and specification of the goods, informs the logistics storage node of loading the goods and declares the goods to the customs node of the export party;
step S32: after the third-party detection node detects that the goods are qualified, generating a detection report, storing the detection report on a block chain, and performing hash signature by using a private key of the third-party detection node so as to prove the authenticity and the validity of the goods in the batch;
step S33: the logistics storage node records logistics information to a block chain, generates a triplicate bill of lading and sends the triplicate bill of lading to the outlet business node, and performs hash signature on the logistics information and the bill of lading;
step S34: after the customs nodes of the exporter inspect and receive the taxes for the goods, deploying an inspection record sheet, a tariff invoice and a value-added tax invoice which are signed by hash by using a private key of the exporter, and storing the inspection record sheet, the tariff invoice and the value-added tax invoice on a block chain;
step S35: the import side customs node checks the goods, compares the goods with the checking record sheet of the export side customs node, and after checking whether the goods are consistent with the checking record sheet, the checking record sheet which is hash-signed by the private key of the import side customs node is stored and certified on the block chain, and meanwhile, the tariff invoice and the value-added tax invoice which are hash-signed by the private key of the import side customs node are deployed and certified on the block chain;
step S36: when the logistics storage node transports the goods to the warehouse of the goods selling area of the import business node, the logistics arrival information is recorded on the block chain, and the private key of the logistics arrival information is used for carrying out hash signature.
In step S3, the information related to the transportation process of the goods is uploaded to the block chain, so that each node can effectively monitor the circulation of the goods, and prevent the false trade behavior that only invoices but does not deliver the goods.
It can be understood that, as shown in fig. 7, the step S4 specifically includes the following steps:
step S41: the export business node verifies the abstract after receiving the three-in-one bill, and after confirming that the bill is sent by the logistics storage node, the export business node issues a complete set of bills signed by a hash of a private key of the export business node to the collection node and records the bills on the block chain;
step S42: the receiving bank node verifies the abstract of the complete document after receiving the complete document, confirms the complete document sent by the export business node, issues the complete document signed by hash of the private key of the receiving bank node to the receiving bank node, prompts payment or accepts a redemption sheet, and uploads prompt information to a block chain;
step S43: the collection agency node verifies the abstract of the complete document after receiving the complete document, after confirming that the complete document is sent by the collection agency node and is accurate, carries out hash signature by using a private key of the collection agency node, prompts the import agency node to pay or accept a redemption sheet, and uploads prompt information to a block chain;
step S44: the importer node verifies the abstract after receiving the prompt message, confirms that the abstract is sent by the collection and delivery node, namely, the payment or acceptance is due to the draft, and records the payment or acceptance information on the block chain after carrying out hash signature by using the private key of the importer node.
In the step S4, the communication information between the nodes related to payment of the money is uploaded to the block chain and endorsement and signature are performed by the related nodes, so as to prevent false transactions, and the nodes verify the information by using the public key of the other node, thereby preventing careless mistakes in the payment process and ensuring the security of the transactions.
It can be understood that, as shown in fig. 8, the step S5 specifically includes the following steps:
step S51: the collection agency node receives remittance or receives a long-term receipt, firstly verifies the abstract of remittance information, determines that the information is sent by the importer node, then confirms the money information of the remittance and carries out hash signature by using a private key thereof, and issues a bill of which the hash signature is carried out by using the private key thereof to the importer node and records the bill of which the hash signature is carried out by using the private key thereof on a block chain;
step S52: the import business node verifies the abstract after receiving the bill of lading, confirms that the abstract is sent by the collection node, applies for goods extraction through the bill of lading, performs hash signature by using a private key of the import business node, and records the hash signature on the block chain;
step S53: after receiving the information of extracting the goods, the logistics storage node verifies the abstract of the goods, determines that the information is sent by the import business node, and after the import business node extracts the goods, confirms the information of the goods leaving the warehouse, performs hash signature by using a private key of the logistics storage node, and records the information on the block chain.
In the step S5, the collection and collection node issues the bill of lading to the importer node after receiving the payment of the goods, and the importer node can only perform goods extraction activities based on the bill of lading, and the goods delivery information is recorded in the blockchain, so that the situation that the importer node draws goods before paying is prevented, the risk of the bank node is reduced, and the goods extraction process can be effectively supervised by each node.
It can be understood that, as shown in fig. 9, the step S6 specifically includes the following steps:
step S61: the collection agency node pays remittance or long-term receipt payment paid by the importer node to the collection agency node, confirms the money and interest information of the remittance and uses the private key thereof to carry out hash signature authentication and records the hash signature authentication on the block chain;
step S62: the receiving bank node verifies the abstract after receiving the remittance or the accepted long-term draft, determines that the information is sent by the receiving bank node, confirms the money and interest information of the draft and carries out hash signature by using a private key thereof, records the information on the block chain, pays the surplus to the export business node, carries out hash signature on the surplus payment information by using the private key thereof and records the surplus payment information on the block chain;
step S63: the export business node verifies the abstract after receiving the surplus information of the collection line node, determines that the surplus information is sent by the collection line node, performs hash signature by using a private key of the export business node, and finally records the information on the block chain.
It is to be understood that, in the step S62, if the importer node is in the payment form, the consignor node deducts the deposit fund, interest and related fees, and pays the remainder to the exporter node, and records the remainder information on the block chain after performing hash signature authentication with its own private key, and if the importer node is in the acceptance form, pays the payment when the long-term draft expires.
In step S6, the payment must be sent to the exporter node via the collection node and the collection node, and the remaining payment is sent to the exporter node after the collection node and the collection node deduct the related interest charges, thereby reducing the financial risk of the bank node.
It is to be understood that the second embodiment of the present invention also provides a computer-readable storage medium for storing a computer program for export-based blockchain wagering, which when executed on a computer performs the method for export-based blockchain wagering as described above.
The general form of computer readable media includes: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, CD-ROM, any other optical medium, punch cards (punchcards), paper tape (paper tape), any other physical medium with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any other memory chip or cartridge, or any other medium from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting computer data signals.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. A method for export collection and deposit based on block chain is characterized in that,
the method comprises the following steps:
step S1: the import merchant node deploys a trade contract request which stipulates a collection settlement mode on a block chain and carries out hash signature, and the export merchant node evaluates the basic information and credit information condition of the import merchant node and carries out the hash signature on the trade contract;
step S2: the export provider node deploys an export collection deposit application on the block chain and carries out hash signature, a collection line node evaluates the credit worthiness of the export provider node and deploys an export collection deposit protocol and a proxy agent protocol on the block chain and carries out hash signature, and the export provider node and the proxy agent node verify the signature of the collection line node and carry out hash signature on the export collection deposit protocol and the proxy agent protocol respectively;
step S3: the export merchant node prepares goods transportation activities according to the convention of the trade contract, and information related to the goods transportation process is uploaded to the block chain;
step S4: conducting a payment or redemption activity upon request by the exporter node, information relating to the conducting of the payment or redemption activity being uploaded to the block chain;
step S5: the collection agency node issues a bill of lading to the import agency node after confirming that the remittance is received, the import agency node applies for extracting goods based on the bill of lading, and relevant information of the goods extraction process is uploaded to the block chain;
step S6: the collection agency node pays the payment of the goods to the export business node through the collection agency node, and the payment information of the goods is signed by the relevant node and then recorded on the block chain.
2. The method for export collection based on blockchain as claimed in claim 1,
the step S1 specifically includes the following steps:
step S11: the import merchant node selects an export merchant node to be transacted, deploys a trade contract request for stipulating a collection settlement mode on the block chain, and carries out hash signature by using a private key of the import merchant node;
step S12: the exporter node verifies the abstract of the trade contract after receiving the trade contract, sends a request for acquiring the basic information and the credit standing condition of the importer node to the Oracle node after determining that the contract is drawn up by the importer node, and carries out hash signature on the request by using a private key of the exporter node;
step S13: after receiving the request, the Oracle node firstly verifies the abstract of the request, and after determining that the request is sent by the exporter node, the Oracle node records the basic information and the credit worthiness of the importer node on the block chain after carrying out hash signature on the basic information and the credit worthiness of the importer node by using a private key of the Oracle node;
step S14: after receiving the information of the Oracle node, the exporter node firstly verifies the abstract of the Oracle node, determines whether to accept the trade contract according to the information after determining that the information is sent by the Oracle node; and if the export merchant node refuses the trade contract application of the import merchant node, generating a refusal notice of the import merchant node on the block chain, if the contract is accepted, carrying out hash signature on the contract by using a private key of the export merchant node, and storing the contract onto the block chain.
3. The method for export collection based on blockchain as claimed in claim 2,
the step S2 specifically includes the following steps:
step S21: the export business node selects a collection line node, deploys an export collection deposit application form on the block chain and carries out hash signature by using a private key of the export collection deposit application form;
step S22: verifying the abstract of the export collection and deposit application table by the collection line node, determining that the table is sent by the export node, deploying the credit investigation and evaluation application table of the export node on the block chain and carrying out hash signature by using a private key of the collection line node;
step S23: after receiving the application form, the credit investigation node firstly verifies the abstract of the application form, determines that a credit investigation request is sent by a collection line node, judges the authenticity of data uploaded by an exporter node, evaluates the comprehensive strength and credit worthiness of the data, carries out hash signature on the data and an enterprise credit worthiness evaluation result by using a private key of the credit investigation node, records the hash signature on a block chain, and automatically generates an enterprise credit worthiness evaluation form of automatic hash endorsement signature of all nodes participating in the evaluation process by the block chain;
step S24: after receiving the enterprise credit investigation table, the collection bank node firstly verifies the abstract of the enterprise credit investigation table, determines that the enterprise credit investigation table is sent by the credit investigation node, and then determines whether to accept the export collection deposit application based on the credit guarantee amount and the credit investigation condition of the exporter node; if the collection line node refuses the export collection deposit application of the export provider node, a refusal notice for the export provider node is generated on the block chain, and if the collection line node accepts, an export collection deposit protocol and a proxy agent protocol are deployed on the block chain and hash signature is carried out by using a private key of the collection line node;
step S25: after receiving the export collection agreement, the export business node verifies the abstract, determines that the export collection agreement is sent by a collection bank, and carries out hash signature by using a private key of the export collection agreement after verifying the content of the export collection agreement;
step S26: after receiving the proxy agent protocol, the proxy agent node verifies the abstract, confirms that the abstract is sent by the proxy agent node, and verifies the content of the proxy agent protocol and then uses the private key of the proxy agent node to carry out hash signature authentication.
4. The method for export collection based on blockchain of claim 3,
the step S3 specifically includes the following steps:
step S31: the exporter node prepares goods according to the trade contract regulation signed with the importer node, compiles a complete set of documents conforming to the contract regulation, opens a draft taking the importer node as a payer, uploads the draft to a block chain after hash signature is carried out by a private key of the exporter node, informs a third party detection node of detecting the quality and specification of goods, informs a logistics storage node of loading and transporting the goods and reports the goods to an exporter customs node;
step S32: after the third-party detection node detects that the goods are qualified, generating a detection report, storing the verification report on a block chain, and performing hash signature by using a private key of the third-party detection node;
step S33: the logistics storage node records logistics information to a block chain, generates a triplicate bill of lading and sends the triplicate bill of lading to the outlet business node, and performs hash signature on the logistics information and the bill of lading;
step S34: after the customs nodes of the exporter inspect and receive the taxes for the goods, deploying an inspection record sheet, a tariff invoice and a value-added tax invoice which are signed by hash by using a private key of the exporter, and storing the inspection record sheet, the tariff invoice and the value-added tax invoice on a block chain;
step S35: the import side customs node checks the goods, compares the goods with the checking record sheet of the export side customs node, and after checking whether the goods are consistent with the checking record sheet, the checking record sheet which is hash-signed by the private key of the import side customs node is stored and certified on the block chain, and meanwhile, the tariff invoice and the value-added tax invoice which are hash-signed by the private key of the import side customs node are deployed and certified on the block chain;
step S36: when the logistics storage node transports the goods to the warehouse of the goods selling area of the import business node, the logistics arrival information is recorded on the block chain, and the private key of the logistics arrival information is used for carrying out hash signature.
5. The method for export collection based on blockchain as claimed in claim 4,
the step S4 specifically includes the following steps:
step S41: the export business node verifies the abstract after receiving the three-in-one bill, and after confirming that the bill is sent by the logistics storage node, the export business node issues a complete set of bills signed by a hash of a private key of the export business node to the collection node and records the bills on the block chain;
step S42: the receiving bank node verifies the abstract of the complete document after receiving the complete document, confirms the complete document sent by the export business node, issues the complete document signed by hash of the private key of the receiving bank node to the receiving bank node, prompts payment or accepts a redemption sheet, and uploads prompt information to a block chain;
step S43: the collection agency node verifies the abstract of the complete document after receiving the complete document, after confirming that the complete document is sent by the collection agency node and is accurate, carries out hash signature by using a private key of the collection agency node, prompts the import agency node to pay or accept a redemption sheet, and uploads prompt information to a block chain;
step S44: the importer node verifies the abstract after receiving the prompt message, confirms that the abstract is sent by the collection and delivery node, namely, the payment or acceptance is due to the draft, and records the payment or acceptance information on the block chain after carrying out hash signature by using the private key of the importer node.
6. The method for export collection based on blockchain as claimed in claim 5,
the step S5 specifically includes the following steps:
step S51: the collection agency node receives remittance or receives a long-term receipt, firstly verifies the abstract of remittance information, determines that the information is sent by the importer node, then confirms the money information of the remittance and carries out hash signature by using a private key thereof, and issues a bill of which the hash signature is carried out by using the private key thereof to the importer node and records the bill of which the hash signature is carried out by using the private key thereof on a block chain;
step S52: the import business node verifies the abstract after receiving the bill of lading, confirms that the abstract is sent by the collection node, applies for goods extraction through the bill of lading, performs hash signature by using a private key of the import business node, and records the hash signature on the block chain;
step S53: after receiving the information of extracting the goods, the logistics storage node verifies the abstract of the goods, determines that the information is sent by the import business node, and after the import business node extracts the goods, confirms the information of the goods leaving the warehouse, performs hash signature by using a private key of the logistics storage node, and records the information on the block chain.
7. The method for export collection based on blockchain as claimed in claim 1,
the step S6 specifically includes the following steps:
step S61: the collection agency node pays remittance or long-term receipt payment paid by the importer node to the collection agency node, confirms the money and interest information of the remittance and uses the private key thereof to carry out hash signature authentication and records the hash signature authentication on the block chain;
step S62: the receiving bank node verifies the abstract after receiving the remittance or the accepted long-term draft, determines that the information is sent by the receiving bank node, confirms the money and interest information of the draft and carries out hash signature by using a private key thereof, records the information on the block chain, pays the surplus to the export business node, carries out hash signature on the surplus payment information by using the private key thereof and records the surplus payment information on the block chain;
step S63: the export business node verifies the abstract after receiving the surplus information of the collection line node, determines that the surplus information is sent by the collection line node, performs hash signature by using a private key of the export business node, and finally records the information on the block chain.
8. The method for export collection based on blockchain as claimed in claim 1,
if the import merchant node is in a payment bill delivery mode, the consignor node deducts deposit principal, interest and related expenses and then pays the surplus money to the export merchant node, the surplus money information is subjected to hash signature authentication by using a private key of the consignor node and then recorded on the block chain, and if the import merchant node is in a bill delivery mode, the goods payment is paid when a long-term draft is due.
9. A computer-readable storage medium for executing a computer program for export-based wagering on blockchain, wherein the computer program when executed on a computer performs the method for export-based wagering on blockchain as claimed in any one of claims 1 to 8.
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