CN111160906A - Method and storage medium for import deposit under remittance based on block chain - Google Patents

Method and storage medium for import deposit under remittance based on block chain Download PDF

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CN111160906A
CN111160906A CN201911324626.7A CN201911324626A CN111160906A CN 111160906 A CN111160906 A CN 111160906A CN 201911324626 A CN201911324626 A CN 201911324626A CN 111160906 A CN111160906 A CN 111160906A
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remittance
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马超群
苏利英
周中定
李信儒
兰秋军
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Hunan University
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Abstract

The invention discloses a block chain-based method for import deposit of money and a computer-readable storage medium. The method completely publishes the information on the whole industrial chain on the chain through the block chain, and the true transparency of the information is improved and the risk of a bank caused by credit worthiness is reduced through repeated confirmation of a plurality of nodes. In addition, the document transmission and verification process is simplified, manpower, material resources, financial resources and time cost are saved, the whole financing process is quicker, safer and more intelligent, the electronization, the falsification and the forgery of the document are realized, and the authenticity of various documents used in the business is ensured. Moreover, the transaction information of all the participating main bodies is linked, so that the whole transaction process is transparent, the supervision and the risk measurement are facilitated, the trust degree between the participating main bodies is continuously deepened, and the transaction safety is greatly improved.

Description

Method and storage medium for import deposit under remittance based on block chain
Technical Field
The present invention relates to the technical field of import deposit and financing under remittance in international trade financing, and in particular, to a method for import deposit and financing under remittance based on a blockchain and a computer-readable storage medium.
Background
The import deposit is the business that the bank applies for by the importer, provides short-term fund financing when the bank pays the external money and is paid by the applicant according to the agreed interest rate and term. According to the settlement mode, the method is divided into import deposit and remit under the letter of credit, import deposit and remittance. The import deposit is also called import T/T deposit under the remittance item, which means that in the remittance trade settlement mode, after an importer transacts and clears imported goods arriving at a port, the importer applies for deposit to a bank to pay partial or all of the imported goods for the outside due to difficult fund transfer, and after the sale of the imported goods is returned, the importer purchases short-term financing service for paying the remittance according to the agreed interest rate and term. The import T/T deposit has the special feature of depositing money, and the financed funds are not deposited into the account of the importer, and the money is directly remitted to the supplier (invoice drawer) or the payee designated by the supplier on the invoice.
As shown in fig. 1, the specific process of the existing import deposit under the remittance is as follows: 1) the two parties of import and export sign contracts or agreements to determine that the payment of goods on arrival is used as a trade settlement mode; 2) the fund transfer of importers is difficult, the application for handling the financing business under the remitted money is provided for the remitted trip (an import bank), and a remitted money financing application book is provided; 3. after the remittance bank (remittance financing bank) is approved, the remittance bank signs a financing contract under the remittance money with the importer, and remits the payment to the remittance bank according to other documents required by the foreign exchange management bureau such as a 'remittance/remittance application book' (remittance bank provides, remitter fills in and seals), imported commercial invoice copies and bill-drawing copies submitted by foreign importers, imported trade contracts, goods import customs and the like submitted by the importers; 4) the remittance bank releases the payment to the export merchant; 5) and the importer returns the principal to the remittance bank (remittance financing bank) and pays corresponding interest when remittance financing is due. The existing import deposit mode under the remittance has the following problems:
1. in the international trade financing activity of import deposit and subsidence under the traditional remittance item, the opening and verification of a large number of paper documents are involved, and the delivery process of the documents usually adopts a mail delivery mode, so that the efficiency of the trade activity is greatly reduced, and a large amount of waste of resources such as manpower, material resources and the like is caused.
2. The bill and the related documents in the import deposit under the remittance are directly sent to the importer by the exporter, the importer and the exporter have the risk of cheating the bank deposit fund by fleeing the exporter, and the authenticity of the documents and the authenticity of the trade background are difficult to verify.
3. In the traditional money transfer item import deposit trade financing activity, the bank lacks the information of the conditions of credit, operation, finance, second repayment source and the like of an importer and the market condition of trade goods and the like, the credit condition of small and medium enterprises cannot be accurately judged when financing service is provided for the small and medium enterprises, the financing is not provided for the bank, and the financing of the enterprises is not facilitated.
Disclosure of Invention
The invention provides a block chain-based import deposit method under a remittance and a computer-readable storage medium, which are used for solving the technical problems of low trading efficiency, high risk of financing banks and low transaction safety caused by opaque trading process information in the existing import deposit method under the remittance.
According to one aspect of the invention, a method for carrying out import deposit under the fund transfer based on a block chain is provided, which comprises the following steps:
step S1: the import merchant node and the export merchant node sign trade contracts and upload the trade contracts to the block chain;
step S2: the export business node and the export side logistics node sign a freight contract and upload the freight contract to the block chain;
step S3: the export business node carries out goods export transportation activities, and the information related to the goods export transportation is uploaded to the block chain after being signed by the Hash of the related node;
step S4: the exporter node applies for payment to the importer node, and the importer node and the remittance node sign a trust protocol and upload the trust protocol to the block chain;
step S5: the remittance row node remits the payment to the remittance row node, and the transfer record is extracted to the block chain;
step S6: the remittance line node instructs the remittance line node to release the payment to the exporter node through telegraph or telex, and the exporter node hands over the ownership of the money to the remittance line node after receiving the remittance;
step S7: the importer node obtains the use right of the document based on the trust agreement signed by the remittance row node, and performs the import transportation activity of the goods;
step S8: after the importer node pays the goods money to the remittance node, the remittance node informs the importer logistics node to release the quantity of the goods corresponding to the part of the goods money to the importer node, the remitter node gives the trust agreement to the importer node after the importer node completely pays the part of the goods money and interest, and the importer node obtains ownership of all the goods.
Further, the step S2 specifically includes the following steps:
step S21: the export business node signs a freight contract with the export side logistics node on line, rents a ship and orders a warehouse, deploys the freight contract on the block chain, carries out Hash signature and sends the freight contract to the export side logistics node;
step S22: the logistics node of the exporter verifies the abstract of the freight contract by using the public key of the exporter node, the confirmation is sent by the logistics node of the exporter, and meanwhile, the contract is confirmed to be error-free, and after the receipt is confirmed, the private key Hash signature is used for confirmation on the freight contract and the confirmation is uploaded to the block chain.
Further, the step S3 specifically includes the following steps:
step S31: the export business node prepares goods, applies for business inspection to the export side business inspection office node, and uploads the relevant documents and data to the block chain;
step S32: issuing a qualified certificate after the node of the business inspection bureau of the exporter is qualified, uploading the qualified certificate to a block chain after the node of the business inspection bureau of the exporter is subjected to Hash signature confirmation, and informing the exporter node;
step S33: the export business node uploads a complete set of customs declaration documents to the block chain and applies for customs declaration to the customs of the export party;
step S34: after the export merchant-sea joint is successfully checked and examined on the spot, the export merchant-sea joint opens a release notice and carries out Hash signature and then uploads the notice to the block chain;
step S35: after receiving the goods, the logistics node of the export party generates a bill of lading and sends the bill of lading to the export business node after Hash signature confirmation;
step S36: and the export business node carries out Hash signature on the bill of lading and uploads the bill of lading to the block chain.
Further, the step S3 further includes the following steps between the step S32 and the step S33:
step S32 a: the export business node and the export side insurance company node conduct insurance application on goods after negotiation, the export side insurance company node generates a insurance policy and sends the insurance policy to the export business node after Hash signature confirmation, and the export business node conducts Hash signature confirmation on the insurance policy after ensuring insurance application and uploads the insurance policy to the block chain.
Further, the step S4 specifically includes the following steps:
step S41: the exporter node uploads the complete set of documents under the remittance to the block chain and applies for payment acceptance to the importer node;
step S42: the import merchant node checks the bill submitted by the export merchant node, and after the bill is confirmed to meet the requirement, the import merchant node submits an application for handling financing service under the remitted money, and deploys a financing application under the remitted money on the block chain and carries out Hash signature;
step S43: the method comprises the steps that after receiving an application, a tandem node acquires basic information of an importer node through an Oracle node, the tandem node audits credit conditions, operation conditions, financial conditions, second repayment source conditions and market conditions of traded goods of the importer node, if the application of the importer node is refused, a refusal notice is generated and uploaded to a block chain after Hash signature is carried out by using a private key, and if the application of the importer node is refused, a trust protocol is deployed on the block chain, Hash signature is carried out, and then the trust protocol is sent to the importer node;
step S44: the import merchant node verifies the abstract of the trust protocol by using the public key of the tandem node, determines that the abstract is sent by the tandem node, confirms that the content of the trust protocol is correct, signs by using a Hash of a private key, and uploads the signature to the block chain.
Further, the step S5 specifically includes the following steps:
step S51: the remittance row node remits payment to the remittance row node according to the receipt required by the foreign exchange management office and submitted by the importer node and broadcasts the payment to the whole network;
step S52: the Oracle node extracts the transfer record onto the blockchain.
Further, the step S6 specifically includes the following steps:
step S61: the remittance line node makes telegraph or telefax according to the contents of the remittance application, and sends the remittance line node with a Hash signature of a private key to send a payment release instruction to the remittance line node;
step S62: the remittance node receives the telegraph or telex, utilizes the public key of the remittance node to verify, and releases the money to the account of the exporter node and broadcasts to the whole network after confirming that the telegraph or telex is from the remittance node;
step S63: the Oracle node extracts and places the transfer record on the block chain;
step S64: and the exporter node broadcasts to the whole network after receiving the remittance, provides a statement of the receipt ownership transfer remittance line node, and uploads to the block chain after Hash signature confirmation.
Further, the step S7 specifically includes the following steps:
step S71: the remittance line node obtains ownership of a complete set of documents after paying and sends acceptance notice to the importer node;
step S72: the import merchant node obtains the use right of the document based on the trust protocol signed with the exchange line node, extracts the goods and applies for inspection to the import side merchant inspection office node;
step S73: the import side commodity inspection office node inspects that the goods are qualified, then the export certificate is qualified, and the Hash signature is confirmed and then the certificate is uploaded to the block chain;
step S74: the import business node applies for customs clearance to the import square sea joint point, and the import square sea joint point issues a release notice after passing the verification and verification, and uploads the release notice to the block chain after Hash signature;
step S75: the import business node smoothly extracts the goods and stores the goods in a warehouse of an import side logistics node designated by the collection row node, and after receiving the goods, the import side logistics node sends the warehouse information to the import business node for confirmation after Hash signature;
step S76: and the import business node confirms the warehousing information to be correct, carries out Hash signature confirmation and uploads the information to the block chain.
Further, the step S8 specifically includes the following steps:
step S81: the importer node pays a certain amount of money to the remittance node;
step S82: the Oracle node uploads the transfer record Hash signature to a block chain and broadcasts the transfer record Hash signature to the whole network;
step S83: after receiving the payment, the remittance row node broadcasts the payment to the whole network and sends out a notice of the quantity of the goods corresponding to the payment to the import side logistics node and carries out Hash signature;
step S84: after receiving the notification, the import side logistics node verifies the abstract of the notification by using the public key of the tandem node, and determines that a certain amount of goods are released after being sent by the tandem node, generates a goods handover file, carries out Hash signature and sends the goods handover file to the import business node;
step S85: after confirming that the contents of the goods handover file are correct, the import business node determines the Hash signature on the goods handover file, uploads the goods handover file to a block chain and broadcasts the goods handover file to the whole network;
step S86: after the importer node pays the complete balance, the remittance node gives the trust agreement to the importer node, and the importer node obtains ownership of all commodities.
The invention also provides a computer-readable storage medium for storing a computer program for conducting an import deposit under the deposit based on the blockchain, wherein the computer program executes the method for conducting the import deposit under the deposit based on the blockchain when the computer program runs on a computer.
The invention has the following beneficial effects:
the method for import deposit of the remittance under the remittance based on the block chain completely publishes the information on the whole industry chain on the chain through the block chain, and improves the real transparency of the information and reduces the risk of a bank caused by the credit worthiness problem through repeated confirmation of a plurality of nodes. In addition, through the combination of the block chain and the intelligent contract technology, the document transmission and verification processes are simplified, the manpower, material resources, financial resources and time cost are saved, the whole financing process is quicker, safer and more intelligent, the electronization, the non-falsification and the non-falsification of the document are realized by using the asymmetric encryption, the Hash algorithm, the digital identity and the digital signature technology, and the authenticity of various documents used in the business is ensured. In addition, the blockchain provides a billing and transaction processing system, and replaces the processes of examining, making bills, telegraph, mailing and the like which occupy a large amount of manpower and time in the traditional credit settlement process. In addition, in the traditional mode, different entities respectively store respective information, the transparency is seriously lacked, higher time cost and money cost are caused, once problems (impersonation, goods counterfeiting and the like) occur, the tracing and processing are difficult, the transaction information of all participating main bodies is linked, the whole transaction process is transparent, the supervision and the risk measurement are convenient, the trust degree between the participating main bodies is continuously deepened, and the transaction safety is greatly improved.
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 schematic diagram of a service network of an import deposit method under the existing deposit.
Fig. 2 is a block chain network deployment diagram of a method for import deposit under remittance based on a block chain according to a preferred embodiment of the present invention.
Fig. 3 is a schematic service network diagram of a method for import deposit under the deposit of money based on a blockchain according to a preferred embodiment of the present invention.
Fig. 4 is a flow chart of a method for import deposit under the fund transfer based on the blockchain according to the preferred embodiment of the invention.
Fig. 5 is a sub-flowchart of step S1 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 6 is a sub-flowchart of step S2 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 7 is a sub-flowchart of step S3 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 8 is a sub-flowchart of step S4 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 9 is a sub-flowchart of step S5 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 10 is a sub-flowchart of step S6 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 11 is a sub-flowchart of step S7 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 12 is a sub-flowchart of step S8 in fig. 4 according to the preferred embodiment of the present invention.
Detailed Description
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. 2 and 3, the following explains the multi-party nodes involved in the blockchain network in the method of performing import deposit under money transfer based on blockchains.
1. 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;
2. and (4) an export business node: refers to a foreign trade company with the right to handle export business;
3. the exit side business inspection office node: a detection mechanism for indicating that the oral party is responsible for checking whether the commodity meets the export requirement;
4. exporter insurance company node: points out companies that offer insurance services for freight transportation, etc. by the mouth;
5. export side customs node: the customs of the customs department who points out the oral prescription is responsible for auditing and checking the mechanism for issuing the pass of the goods;
6. exit side logistics node: the method indicates that the oral side is at least engaged in transportation (including transport agency and goods express) or warehousing an operation business, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of clients, has an information management system adaptive to the business of the oral side, and is an economic organization for independently accounting and independently bearing civil responsibility;
7. the convergent access node: also called as a paying bank, which is a bank accepting the consignment of remittance to pay money;
8. import side business inspection bureau node: the entrance party is a detection mechanism for auditing whether the commodities meet the import requirements;
9. import side customs node: the customs of the entrance party is responsible for auditing and checking the mechanism for issuing the pass of the goods;
10. and (3) a tandem row node: a bank for receiving the consignor and handling remittance service;
11. import merchant node: refers to a business or merchant engaged in import commerce. They purchase goods from foreign countries and then sell the goods to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly and then transferred to other countries or regions;
12. an import side logistics node: the entrance side 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 the business of the entrance side, and is an economic organization for independently accounting and independently bearing civil responsibility.
As shown in fig. 4, a preferred embodiment of the present invention provides a method for import deposit under remittance based on blockchain, comprising the steps of:
step S1: the import merchant node and the export merchant node sign trade contracts and upload the trade contracts to the block chain;
step S2: the export business node and the export side logistics node sign a freight contract and upload the freight contract to the block chain;
step S3: the export business node carries out goods export transportation activities, and the information related to the goods export transportation is uploaded to the block chain after being signed by the Hash of the related node;
step S4: the exporter node applies for payment to the importer node, and the importer node and the remittance node sign a trust protocol and upload the trust protocol to the block chain;
step S5: the remittance row node remits the payment to the remittance row node, and the transfer record is extracted to the block chain;
step S6: the remittance line node instructs the remittance line node to release the payment to the exporter node through telegraph or telex, and the exporter node hands over the ownership of the money to the remittance line node after receiving the remittance;
step S7: the importer node obtains the use right of the document based on the trust agreement signed by the remittance row node, and performs the import transportation activity of the goods;
step S8: after the importer node pays the goods money to the remittance node, the remittance node informs the importer logistics node to release the quantity of the goods corresponding to the part of the goods money to the importer node, the remitter node gives the trust agreement to the importer node after the importer node completely pays the part of the goods money and interest, and the importer node obtains ownership of all the goods.
In this embodiment, the method for import deposit of money remittance based on the blockchain completely publishes information on the whole industry chain on the chain through the blockchain, and through repeated confirmation of multiple nodes, the true transparency of the information is improved, and the risk of a bank caused by credit worthiness is reduced. In addition, through the combination of the block chain and the intelligent contract technology, the document transmission and verification processes are simplified, the manpower, material resources, financial resources and time cost are saved, the whole financing process is quicker, safer and more intelligent, the electronization, the non-falsification and the non-falsification of the document are realized by using the asymmetric encryption, the Hash algorithm, the digital identity and the digital signature technology, and the authenticity of various documents used in the business is ensured. In addition, the blockchain provides a billing and transaction processing system, and replaces the processes of examining, making bills, telegraph, mailing and the like which occupy a large amount of manpower and time in the traditional credit settlement process. In addition, in the traditional mode, different entities respectively store respective information, the transparency is seriously lacked, higher time cost and money cost are caused, once problems (impersonation, goods counterfeiting and the like) occur, the tracing and processing are difficult, the transaction information of all participating main bodies is linked, the whole transaction process is transparent, the supervision and the risk measurement are convenient, the trust degree between the participating main bodies is continuously deepened, and the transaction safety is greatly improved.
It can be understood that, as shown in fig. 5, the step S1 specifically includes the following steps:
step S11: after the import merchant node and the export merchant node are negotiated, the import merchant node deploys a trade contract based on a receipt under the remittance item on the block chain, and sends the trade contract to the export merchant node after the trade contract is confirmed by using a Hash signature of a private key of the import merchant node and the export merchant node;
step S12: the export merchant node verifies the abstract of the trade contract by using the public key of the import merchant node, and after the confirmation is sent by the import merchant node, the export merchant node verifies the Hash signature on the trade contract by using the private key of the export merchant node and uploads the Hash signature to the block chain.
In the step S1, the trade contract is subjected to Hash signature by the importer node and the exporter node, and then uploaded to the block chain, so as to prevent the contract from being tampered and facilitate supervision by other nodes.
It can be understood that, as shown in fig. 6, the step S2 specifically includes the following steps:
step S21: the export business node signs a freight contract with the export side logistics node on line, rents a ship and orders a warehouse, deploys the freight contract on the block chain, carries out Hash signature and sends the freight contract to the export side logistics node;
step S22: the logistics node of the exporter verifies the abstract of the freight contract by using the public key of the exporter node, the confirmation is sent by the logistics node of the exporter, and meanwhile, the contract is confirmed to be error-free, and after the receipt is confirmed, the private key Hash signature is used for confirmation on the freight contract and the confirmation is uploaded to the block chain.
In step S2, the freight contract is subjected to Hash signature by the exporter node and the exporter logistics node, and then uploaded to the block chain, so as to prevent the contract from being tampered and facilitate supervision by other nodes.
It can be understood that, as shown in fig. 7, the step S3 specifically includes the following steps:
step S31: the export business node prepares goods, applies for business inspection to the export side business inspection office node, and uploads the relevant documents and data to the block chain;
step S32: issuing a qualified certificate after the node of the business inspection bureau of the exporter is qualified, uploading the qualified certificate to a block chain after the node of the business inspection bureau of the exporter is subjected to Hash signature confirmation, and informing the exporter node;
step S33: the exporter node uploads a complete set of customs declaration documents (including commercial invoices, packing documents and the like) to the block chain and applies for customs declaration to the exporter customs;
step S34: after the export merchant-sea joint is successfully checked and examined on the spot, the export merchant-sea joint opens a release notice and carries out Hash signature and then uploads the notice to the block chain;
step S35: after receiving the goods, the logistics node of the export party generates a bill of lading and sends the bill of lading to the export business node after Hash signature confirmation;
step S36: and the export business node carries out Hash signature on the bill of lading and uploads the bill of lading to the block chain.
In step S3, the information related to the export of the goods is signed by the relevant node and recorded on the block chain, so that other parties can effectively supervise the export circulation process of the goods.
It is understood that the step S3 further includes the following steps between the step S32 and the step S33:
step S32 a: the export business node and the export side insurance company node conduct insurance application on goods after negotiation, the export side insurance company node generates a insurance policy and sends the insurance policy to the export business node after Hash signature confirmation, and the export business node conducts Hash signature confirmation on the insurance policy after ensuring insurance application and uploads the insurance policy to the block chain.
It can be understood that, as shown in fig. 8, the step S4 specifically includes the following steps:
step S41: the exporter node uploads a complete set of documents under remittance items such as invoices and the like to the block chain, and applies for acceptance payment to the importer node;
step S42: the importer node checks the documents submitted by the exporter node, and because the importer node has difficulty in fund turnover, the importer node submits an application for handling financing service under the remitted money to the remitted line node after confirming that the documents meet the requirements, and deploys a financing application under the remitted money on the block chain and carries out Hash signature;
step S43: the method comprises the steps that after receiving an application, a tandem node acquires basic information of an importer node through an Oracle node, the tandem node audits credit conditions, operation conditions, financial conditions, second repayment source conditions and market conditions of traded goods of the importer node, if the application of the importer node is refused, a refusal notice is generated and uploaded to a block chain after Hash signature is carried out by using a private key, and if the application of the importer node is refused, a trust protocol is deployed on the block chain, Hash signature is carried out, and then the trust protocol is sent to the importer node;
step S44: the import merchant node verifies the abstract of the trust protocol by using the public key of the tandem node, determines that the abstract is sent by the tandem node, confirms that the content of the trust protocol is correct, signs by using a Hash of a private key, and uploads the signature to the block chain.
In step S4, the remittance node learns the basic information of the importer node in detail through the Oracle node, and determines whether to agree with the financing application of the importer node after accurately evaluating the credit condition, the business condition, the financial condition, the second repayment source condition and the market condition of the trade goods of the remittance node, thereby greatly reducing the financing risk of the remittance node.
It can be understood that, as shown in fig. 9, the step S5 specifically includes the following steps:
step S51: the remittance row node remits payment to the remittance row node according to the receipt required by the foreign exchange management office and submitted by the importer node and broadcasts the payment to the whole network;
step S52: the Oracle node extracts the transfer record onto the blockchain.
In step S51, the documents requested by the fx administration include the purchase/use application (provided by the remittance node, filled in by the importer node and sealed), the copy of import commercial invoice and the copy of bill drawing submitted by the imported machine, the import trade contract, the customs entry of goods, and other documents.
It can be understood that, as shown in fig. 10, the step S6 specifically includes the following steps:
step S61: the remittance line node makes telegraph or telefax according to the contents of the remittance application, and sends the remittance line node with a Hash signature of a private key to send a payment release instruction to the remittance line node;
step S62: the remittance node receives the telegraph or telex, utilizes the public key of the remittance node to verify, and releases the money to the account of the exporter node and broadcasts to the whole network after confirming that the telegraph or telex is from the remittance node;
step S63: the Oracle node extracts and places the transfer record on the block chain;
step S64: and the exporter node broadcasts to the whole network after receiving the remittance, provides a statement of the receipt ownership transfer remittance line node, and uploads to the block chain after Hash signature confirmation.
It can be understood that, as shown in fig. 11, the step S7 specifically includes the following steps:
step S71: the remittance line node obtains ownership of a complete set of documents after paying and sends acceptance notice to the importer node;
step S72: the import merchant node obtains the use right of the document based on the trust protocol signed with the exchange line node, extracts the goods and applies for inspection to the import side merchant inspection office node;
step S73: the import side commodity inspection office node inspects that the goods are qualified, then the export certificate is qualified, and the Hash signature is confirmed and then the certificate is uploaded to the block chain;
step S74: the import business node applies for customs clearance to the import square sea joint point, and the import square sea joint point issues a release notice after passing the verification and verification, and uploads the release notice to the block chain after Hash signature;
step S75: the import business node smoothly extracts the goods and stores the goods in a warehouse of an import side logistics node designated by the collection row node, and after receiving the goods, the import side logistics node sends the warehouse information to the import business node for confirmation after Hash signature;
step S76: and the import business node confirms the warehousing information to be correct, carries out Hash signature confirmation and uploads the information to the block chain.
It can be understood that, as shown in fig. 12, the step S8 specifically includes the following steps:
step S81: the importer node pays a certain amount of money to the remittance node;
step S82: the Oracle node uploads the transfer record Hash signature to a block chain and broadcasts the transfer record Hash signature to the whole network;
step S83: after receiving the payment, the remittance row node broadcasts the payment to the whole network and sends out a notice of the quantity of the goods corresponding to the payment to the import side logistics node and carries out Hash signature;
step S84: after receiving the notification, the import side logistics node verifies the abstract of the notification by using the public key of the tandem node, and determines that a certain amount of goods are released after being sent by the tandem node, generates a goods handover file, carries out Hash signature and sends the goods handover file to the import business node;
step S85: after confirming that the contents of the goods handover file are correct, the import business node determines the Hash signature on the goods handover file, uploads the goods handover file to a block chain and broadcasts the goods handover file to the whole network;
step S86: after the importer node pays the complete balance, the remittance node gives the trust agreement to the importer node, and the importer node obtains ownership of all commodities.
In step S8, the remittance node notifies the importer logistics node of the amount of the goods paid by the importer node to issue the corresponding quantity of the goods, so as to prevent the situation that the importer node does not pay the remaining goods after taking the goods away at one time, reduce the financing risk of the remittance node, and upload the goods delivery situation to the block chain after being signed by the importer logistics node and the importer node together.
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 conducting a import deposit under consideration based on a blockchain, which when executed on a computer performs the method for conducting an import deposit under consideration based on a blockchain 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 (10)

1. A method for import deposit of money based on block chain is characterized in that,
the method comprises the following steps:
step S1: the import merchant node and the export merchant node sign trade contracts and upload the trade contracts to the block chain;
step S2: the export business node and the export side logistics node sign a freight contract and upload the freight contract to the block chain;
step S3: the export business node carries out goods export transportation activities, and the information related to the goods export transportation is uploaded to the block chain after being signed by the Hash of the related node;
step S4: the exporter node applies for payment to the importer node, and the importer node and the remittance node sign a trust protocol and upload the trust protocol to the block chain;
step S5: the remittance row node remits the payment to the remittance row node, and the transfer record is extracted to the block chain;
step S6: the remittance line node instructs the remittance line node to release the payment to the exporter node through telegraph or telex, and the exporter node hands over the ownership of the money to the remittance line node after receiving the remittance;
step S7: the importer node obtains the use right of the document based on the trust agreement signed by the remittance row node, and performs the import transportation activity of the goods;
step S8: after the importer node pays the goods money to the remittance node, the remittance node informs the importer logistics node to release the quantity of the goods corresponding to the part of the goods money to the importer node, the remitter node gives the trust agreement to the importer node after the importer node completely pays the part of the goods money and interest, and the importer node obtains ownership of all the goods.
2. The method for import deposit under remittance based on blockchain according to claim 1,
the step S2 specifically includes the following steps:
step S21: the export business node signs a freight contract with the export side logistics node on line, rents a ship and orders a warehouse, deploys the freight contract on the block chain, carries out Hash signature and sends the freight contract to the export side logistics node;
step S22: the logistics node of the exporter verifies the abstract of the freight contract by using the public key of the exporter node, the confirmation is sent by the logistics node of the exporter, and meanwhile, the contract is confirmed to be error-free, and after the receipt is confirmed, the private key Hash signature is used for confirmation on the freight contract and the confirmation is uploaded to the block chain.
3. The method for entering a pool under a pool based on a blockchain of claim 2,
the step S3 specifically includes the following steps:
step S31: the export business node prepares goods, applies for business inspection to the export side business inspection office node, and uploads the relevant documents and data to the block chain;
step S32: issuing a qualified certificate after the node of the business inspection bureau of the exporter is qualified, uploading the qualified certificate to a block chain after the node of the business inspection bureau of the exporter is subjected to Hash signature confirmation, and informing the exporter node;
step S33: the export business node uploads a complete set of customs declaration documents to the block chain and applies for customs declaration to the customs of the export party;
step S34: after the export merchant-sea joint is successfully checked and examined on the spot, the export merchant-sea joint opens a release notice and carries out Hash signature and then uploads the notice to the block chain;
step S35: after receiving the goods, the logistics node of the export party generates a bill of lading and sends the bill of lading to the export business node after Hash signature confirmation;
step S36: and the export business node carries out Hash signature on the bill of lading and uploads the bill of lading to the block chain.
4. The method for entering a pool under a pool based on a blockchain of claim 3,
the step S3 further includes the following steps between the step S32 and the step S33:
step S32 a: the export business node and the export side insurance company node conduct insurance application on goods after negotiation, the export side insurance company node generates a insurance policy and sends the insurance policy to the export business node after Hash signature confirmation, and the export business node conducts Hash signature confirmation on the insurance policy after ensuring insurance application and uploads the insurance policy to the block chain.
5. The method for import deposit under remittance based on blockchain according to claim 4,
the step S4 specifically includes the following steps:
step S41: the exporter node uploads the complete set of documents under the remittance to the block chain and applies for payment acceptance to the importer node;
step S42: the import merchant node checks the bill submitted by the export merchant node, and after the bill is confirmed to meet the requirement, the import merchant node submits an application for handling financing service under the remitted money, and deploys a financing application under the remitted money on the block chain and carries out Hash signature;
step S43: the method comprises the steps that after receiving an application, a tandem node acquires basic information of an importer node through an Oracle node, the tandem node audits credit conditions, operation conditions, financial conditions, second repayment source conditions and market conditions of traded goods of the importer node, if the application of the importer node is refused, a refusal notice is generated and uploaded to a block chain after Hash signature is carried out by using a private key, and if the application of the importer node is refused, a trust protocol is deployed on the block chain, Hash signature is carried out, and then the trust protocol is sent to the importer node;
step S44: the import merchant node verifies the abstract of the trust protocol by using the public key of the tandem node, determines that the abstract is sent by the tandem node, confirms that the content of the trust protocol is correct, signs by using a Hash of a private key, and uploads the signature to the block chain.
6. The method for import deposit under remittance based on blockchain according to claim 5,
the step S5 specifically includes the following steps:
step S51: the remittance row node remits payment to the remittance row node according to the receipt required by the foreign exchange management office and submitted by the importer node and broadcasts the payment to the whole network;
step S52: the Oracle node extracts the transfer record onto the blockchain.
7. The method for import deposit under remittance based on blockchain according to claim 6,
the step S6 specifically includes the following steps:
step S61: the remittance line node makes telegraph or telefax according to the contents of the remittance application, and sends the remittance line node with a Hash signature of a private key to send a payment release instruction to the remittance line node;
step S62: the remittance node receives the telegraph or telex, utilizes the public key of the remittance node to verify, and releases the money to the account of the exporter node and broadcasts to the whole network after confirming that the telegraph or telex is from the remittance node;
step S63: the Oracle node extracts and places the transfer record on the block chain;
step S64: and the exporter node broadcasts to the whole network after receiving the remittance, provides a statement of the receipt ownership transfer remittance line node, and uploads to the block chain after Hash signature confirmation.
8. The method for entering a pool under a pool based on a blockchain of claim 7,
the step S7 specifically includes the following steps:
step S71: the remittance line node obtains ownership of a complete set of documents after paying and sends acceptance notice to the importer node;
step S72: the import merchant node obtains the use right of the document based on the trust protocol signed with the exchange line node, extracts the goods and applies for inspection to the import side merchant inspection office node;
step S73: the import side commodity inspection office node inspects that the goods are qualified, then the export certificate is qualified, and the Hash signature is confirmed and then the certificate is uploaded to the block chain;
step S74: the import business node applies for customs clearance to the import square sea joint point, and the import square sea joint point issues a release notice after passing the verification and verification, and uploads the release notice to the block chain after Hash signature;
step S75: the import business node smoothly extracts the goods and stores the goods in a warehouse of an import side logistics node designated by the collection row node, and after receiving the goods, the import side logistics node sends the warehouse information to the import business node for confirmation after Hash signature;
step S76: and the import business node confirms the warehousing information to be correct, carries out Hash signature confirmation and uploads the information to the block chain.
9. The method for import deposit under remittance based on blockchain according to claim 8,
the step S8 specifically includes the following steps:
step S81: the importer node pays a certain amount of money to the remittance node;
step S82: the Oracle node uploads the transfer record Hash signature to a block chain and broadcasts the transfer record Hash signature to the whole network;
step S83: after receiving the payment, the remittance row node broadcasts the payment to the whole network and sends out a notice of the quantity of the goods corresponding to the payment to the import side logistics node and carries out Hash signature;
step S84: after receiving the notification, the import side logistics node verifies the abstract of the notification by using the public key of the tandem node, and determines that a certain amount of goods are released after being sent by the tandem node, generates a goods handover file, carries out Hash signature and sends the goods handover file to the import business node;
step S85: after confirming that the contents of the goods handover file are correct, the import business node determines the Hash signature on the goods handover file, uploads the goods handover file to a block chain and broadcasts the goods handover file to the whole network;
step S86: after the importer node pays the complete balance, the remittance node gives the trust agreement to the importer node, and the importer node obtains ownership of all commodities.
10. A computer-readable storage medium for storing a computer program for conducting a below-block-chain-based import deposit for money transfer, the computer program, when running on a computer, performing the method for conducting a below-block-chain-based import deposit for money transfer according to any of claims 1 to 9.
CN201911324626.7A 2019-12-20 2019-12-20 Method and storage medium for import deposit under remittance based on block chain Pending CN111160906A (en)

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