CN111161066B - Method for issuing fake long-term credit based on blockchain and storage medium - Google Patents
Method for issuing fake long-term credit based on blockchain and storage medium Download PDFInfo
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- CN111161066B CN111161066B CN201911289932.1A CN201911289932A CN111161066B CN 111161066 B CN111161066 B CN 111161066B CN 201911289932 A CN201911289932 A CN 201911289932A CN 111161066 B CN111161066 B CN 111161066B
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Abstract
The application discloses a method for issuing fake long-term credit based on blockchain and a computer-readable storage medium. The method for issuing the false long-term credit based on the blockchain simplifies the execution process of the transaction based on the false long-term credit by utilizing the intelligent contract technology in the blockchain, hash signatures are needed when both transaction parties perform association operation in the transaction process, the possibility of default and fraud of both import and export parties is reduced, related information in the cargo transportation process is uploaded to the blockchain network and linked to the false long-term credit, the trust and risk problems in payment and delivery are solved, the trust degree of both transaction parties is improved, the transaction safety is improved, and the faster, safe and reliable trade activities are realized.
Description
Technical Field
The application relates to the technical field of open false long-term credit in trade financing, in particular to a method for opening false long-term credit based on a blockchain and a computer readable storage medium.
Background
As shown in fig. 1, a fake long-term letter of credit, also called a buyer long-term letter of credit, means that the letter of credit prescribes that the beneficiary issue a long-term draft, but that the issuing/payment line will pay on demand, is responsible for the posting by the payment line, and prescribes that all posting fees (interest and fees) be borne by the importer. That is, the trade contract signed by the buyer and the seller is originally prescribed as the on-demand payment, but the ticket requires the exporter to issue a long-term draft, and meanwhile, the long-term draft can be issued on the ticket, the payor takes charge of the payment, and the payment expense and the delayed on-demand payment interest are paid by the letter of credit of the issuer.
Existing methods of developing false long-term credit have the following disadvantages,
1. the process of issuing, auditing and conveying the false long-term credit card requires wasting a certain amount of time, financial resources and material resources, and has low working efficiency and higher cost.
2. During the settlement of the false long-term credit card, the problems that enterprises cannot perform on time, import goods quality is disputed and the like can occur, so that the final risk is born by banks.
3. During the transaction process, the conditions of data, receipts, contract counterfeiting and the like can occur, so that the authenticity of the transaction is affected, and the transaction security is low.
Disclosure of Invention
The application provides a method for issuing a false long-term credit card based on a blockchain and a computer readable storage medium, which are used for solving the technical problems of low transaction safety, low working efficiency and high cost in the existing method for issuing the false long-term credit card.
According to one aspect of the present application, there is provided a method of issuing a fake long-term credit card based on a blockchain, comprising the steps of:
step S1: after the importer node selects the exporter node to be transacted, requesting to deploy an import trade contract for prescribing payment using a documentary credit on a blockchain, and after the importer node and the exporter node confirm that the importer node and the exporter node have no errors, carrying out hash signature confirmation on the import trade contract by the importer node and the exporter node;
step S2: the importer node deploys an issuing application form on the blockchain and carries out hash signature, after the issuing application form passes the verification, a fake long-term credit card is issued for the issuing application form and is recorded on the blockchain after the issuing application form carries out hash signature, and the importer node carries out hash signature confirmation on the content of the fake long-term credit card;
step S3: after hash signature confirmation is carried out on the content of the false long-term credit card, the export business node starts to transport goods, and data related to goods transportation are recorded on a blockchain and are linked to the false long-term credit card;
step S4: the payment-replacing line node checks the data related to the transaction, pays the payment to the export business node, performs hash signature on the payment information, records the payment information on a blockchain and links the payment information to the false long-term credit card, and performs hash signature confirmation on the payment information after the export business node confirms the payment information;
step S5: carrying out goods picking up activities based on requests of importer nodes;
step S6: after the long-term draft expires, the issuing bank node pays to the substitute bank node according to the contract, the importer node pays according to the contract-oriented issuing bank node, and the payback information are recorded on the blockchain and are linked to the fake long-term credit card.
Further, the step S1 specifically includes the following steps:
step S11: after the importer node selects the exporter node to be transacted, an importer trade contract request for prescribing payment by using a documentary credit is deployed on a blockchain, and a hash signature is carried out by using a private key of the importer node;
step S12: after receiving import trade contract, the exporter node verifies the abstract, determines that the contract is drawn by the exporter node, sends a request for acquiring basic information and future default probability of the importer node to Oracle, and uses own private key to hash the request and record the request on a blockchain;
step S13: after Oracle receives the request of the export node, firstly, the abstract is verified, after the request is determined to be sent by the export node, the basic information and the future default probability information of the import node are subjected to hash signature by using the private key of the original importer node, and then the hash signature is recorded on the blockchain;
step S14: after receiving the information, the exporter node firstly verifies the abstract of the information, determines that the information is sent by Oracle, and then determines whether to accept import trade contracts according to the information; if the import trade contract of the importer node is refused by the exporter node, a refusal notice of the importer node is generated and recorded on the blockchain, and if the import trade contract is accepted, the import trade contract is subjected to hash signature by using a private key of the exporter node.
Further, the step S2 includes the steps of:
step S21: the importer node selects an issuing bank node, requests to deploy an issuing application form on the blockchain, carries out hash signature by using a private key of the importer node, stores a guarantee deposit on an account of the issuing bank node, and then stores the guarantee deposit into data to be recorded on the blockchain;
step S22: the issuing bank node firstly verifies the abstract of the issuing application form, determines that the form is requested to be deployed by the importer node, then requests to the credit investigation organization node to deploy the credit investigation evaluation application form of the importer node, carries out hash signature by using the private key of the issuing bank node and records the hash signature on the blockchain;
step S23: the credit investigation node firstly verifies the abstract of the credit investigation and evaluation application form, determines that the credit investigation request is sent by the issuing bank node, then judges the authenticity of the data uploaded by the importer node, and after evaluating the comprehensive strength and credit condition, hash signs the data and the enterprise credit evaluation result by using own private key and records the hash signature on the blockchain, and the blockchain automatically generates the enterprise credit evaluation form of the importer node;
step S24: the issuing bank node verifies the abstract of the enterprise credit evaluation table, determines that the enterprise credit evaluation table is sent by the credit investigation node, determines whether to accept the issuing application or not based on the credit guarantee limit and the credit investigation condition of the importer node, and if the issuing application is refused, generates refused notification for the importer node on the blockchain; if the protocol is accepted, deploying the protocol with the substitute payment node, carrying out hash signature by using a private key of the protocol, and then storing the protocol on the blockchain;
step S25: the issuing bank node issues a fake long-term credit card and uses a private key of the issuing bank node to carry out hash signature and then stores the hash signature on a blockchain;
step S26: the importer node firstly verifies the abstract of the false remote credit, determines that the false remote credit is sent by the issuing party node, and after verification, the importer node uses a private key to carry out hash signature to confirm the content of the false remote credit, so that the false remote credit takes effect.
Further, the step S3 includes the following:
step S31: after receiving the false long-term credit, the exporter node firstly verifies the abstract of the false long-term credit, determines that the false long-term credit is sent by an issuing party, ensures that a substitute party node can fulfill the conditions specified by the false long-term credit, performs hash signature on bill information of goods transportation by using a private key of the substitute party node, stores the bill information on a blockchain and links the bill information to the false long-term credit, informs a third party detection node to detect the quality and specification of the goods, loads the goods by a logistics storage node and declares the goods to an exporter customs node;
step S32: after detecting that the goods are qualified, the third party detection node generates a detection report, and uses a private key of the third party detection node to carry out hash signature, store the hash signature on a blockchain and link the hash signature to the false long-term credit;
step S33: the logistics storage node performs hash signature on logistics information by using a private key of the logistics storage node, records the logistics information on a blockchain and links the logistics information to the false long-term credit card;
step S34: after checking and tax refunding the goods, the customs node of the exporter generates a checking record list and tax data, and uses the private key of the exporter to carry out hash signature, store the hash signature on the blockchain and link the hash signature to the false long-term credit.
Further, the step S4 specifically includes the following steps:
step S41: the payment-substitute line node respectively verifies the checking bill of the false long-term credit, the goods checking report, the logistics information, the checking record list and the abstract of tax data, and after confirming that the source and the information are correct, the payment-substitute line node pays, accepts or negotiates according to the stipulation of the false long-term credit, and the payment, acceptance or bargained information is signed by a private key of the node by hash, recorded on a blockchain and linked to the false long-term credit;
step S42: after receiving payment, acceptance or bargained money, the exporter node verifies the abstract of the information, determines that the information is sent by the substitute payment node, and then uses the private key of the exporter node to carry out hash signature confirmation on the payment, acceptance or bargained money, and records the hash signature confirmation on the blockchain and links the hash signature to the pseudo-long-term credit card.
Further, the step S5 specifically includes the following steps:
step S51: checking the goods by the customs node of the importer, comparing the goods with a checking record list of the customs node of the exporter, generating a checking record list after the checking is consistent, carrying out hash signature by using a private key of the checking record list, storing the checking record list on a blockchain and linking the checking record list to the false long-term credit, if the goods need to collect import tax, carrying out tax collection on the goods by the customs node of the importer, carrying out hash signature on an import value-added tax invoice by using a private key of the importer, storing the checking record list on the blockchain and linking the checking record list to the false long-term credit;
step S52: when goods are transported to a warehouse in a goods selling area, the logistics storage node generates goods arrival information, performs hash signature by using a private key of the logistics storage node, records the goods arrival information on a blockchain and links the goods arrival information to the fake long-term credit card;
step S53: the importer node requests to deploy goods picking information on the blockchain, carries out hash signature by using a private key of the importer node and links to the false long-term credit card;
step S54: after receiving the information of the extracted goods, the logistics storage node verifies the abstract of the goods, determines that the information is sent by an importer node, generates product delivery information after the goods are extracted by the importer node, performs hash signature by using a private key of the importer node, and records the product delivery information on a blockchain and links to the false long-term credit.
Further, the step S6 specifically includes the following steps:
step S61: when the long-term draft expires, the issuing bank node pays the draft money to the substitute bank node together with interest calculated according to the agreed interest rate, and the substitute information is recorded on a blockchain and linked to the fake long-term credit card after being subjected to hash signature by using a private key of the substitute bank node;
step S62: after receiving the payment information, the payment-substituting line node firstly verifies the abstract of the payment information, determines that the information is sent by the issuing line node, and then uses the private key of the payment-substituting line node to carry out hash signature confirmation and record the hash signature on the blockchain and link the hash signature to the pseudo-long-term credit card;
step S63: the importer node pays the issuing bank node according to the stipulation, and records the repayment information on the blockchain after carrying out hash signature by using the private key of the importer node and links to the fake long-term credit card;
step S64: after receiving the repayment of the importer node, the issuing bank node firstly verifies the abstract of the repayment information, determines that the information is sent by the importer node, then carries out hash signature by using a private key of the issuing bank node, records the hash signature on a blockchain and links to the false long-term credit card.
Further, the step S6 further includes the following steps:
after repayment of the importer node, if goods are stored in the logistics storage node, the importer node can be taken out at one time, and the logistics storage node records the information of the cleared goods on the blockchain after hash signing by using the private key of the importer node and links the information to the fake long-term credit card.
Further, the step S6 further includes the following steps:
if the importer node pays according to the schedule, the issuing bank node freezes the deposit of the issuing bank node on the bank and/or notifies the logistics storage node to withhold the goods, and the situation of freezing the deposit and/or withholding the goods is recorded on the blockchain and linked to the false long-term credit after hash signature is carried out by using the private key of the issuing bank node.
The present application also provides a computer readable storage medium storing a computer program for blockchain-based opening of a false long term credit, which when run on a computer performs the steps of the blockchain-based opening of a false long term credit method as described above.
The application has the following beneficial effects:
the method for issuing the false long-term credit based on the blockchain simplifies the execution process of the transaction based on the false long-term credit by utilizing the intelligent contract technology in the blockchain, hash signatures are needed when both transaction parties perform association operation in the transaction process, the possibility of default and fraud of both import and export parties is reduced, related information in the cargo transportation process is uploaded to the blockchain network and linked to the false long-term credit, the trust and risk problems in payment and delivery are solved, the trust degree of both transaction parties is improved, the transaction safety is improved, and the faster, safe and reliable trade activities are realized.
In addition to the objects, features and advantages described above, the present application has other objects, features and advantages. The present application will be described in further detail with reference to the drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:
fig. 1 is a business structure diagram of a open false long-term letter of credit in a conventional international trade mode.
Fig. 2 is a business network diagram of a blockchain-based method of developing false long term credit in accordance with a preferred embodiment of the present application.
Fig. 3 is a network architecture diagram of a blockchain-based method of developing fake long-term credit in accordance with a preferred embodiment of the present application.
FIG. 4 is a flow chart of a method for issuing a fake long term credit based on blockchain in accordance with a preferred embodiment of the application.
Fig. 5 is a schematic flow chart of step S1 in fig. 1 according to a preferred embodiment of the present application.
Fig. 6 is a schematic flow chart of step S2 in fig. 1 according to a preferred embodiment of the present application.
Fig. 7 is a schematic flow chart of step S3 in fig. 1 according to a preferred embodiment of the present application.
Fig. 8 is a schematic flow chart of step S4 in fig. 1 according to a preferred embodiment of the present application.
Fig. 9 is a schematic sub-flow chart of step S5 in fig. 1 according to a preferred embodiment of the present application.
Fig. 10 is a schematic flow chart of step S6 in fig. 1 according to a preferred embodiment of the present application.
Detailed Description
Embodiments of the application are described in detail below with reference to the attached drawing figures, but the application can be practiced in a number of different ways, as defined and covered below.
For ease of understanding, the multi-party nodes involved in a blockchain-based method of developing false long-term credit are explained below as shown in fig. 2 and 3.
(1) Oracle (prophetic): a platform for providing external information, which can allow the blockchain to be connected to any existing API (Application Programming Interface application program interface), and can import, store and export information about network main bodies on the blockchain, so as to realize dynamic acquisition of the information;
(2) importer node: it refers to enterprises or merchants engaged in import trade, which purchase goods from abroad and then sell to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly, and then transferred to other countries or regions for sale;
(3) exporter node: a foreign trade company having authority to transact export business;
(4) issuing bank node: refers to a bank that accepts requests and instructions from the issuing applicant (typically the buyer of a trade contract, the importer of goods) or issues a credit card according to its own needs. The issuing bank is a bank where the importer is located and is responsible for obligations under the credit card on behalf of the importer;
(5) substitution line node: the bank for proxy debtor payment is also called payment bank, i.e. the bank on the credit card designated by the issuer as the payer of the draft under the credit card item, which is the proxy for issuer payment or bill payment.
(6) Credit investigation node: the credit information collection system is a mechanism which is specially used for collecting, arranging, processing and analyzing enterprise and personal credit information data, giving credit reports, providing diversified credit investigation services and legally setting up a third party main operation credit investigation business independent of credit transaction parties;
(7) third party detection node: also known as fairness verification, which refers to a commodity verification activity by a third party outside the interests of buying and selling, in the form of a fair, authoritative, non-party identity, according to a related law, standard or contract;
(8) logistics storage node: the system is an operation business of at least carrying out transportation (including transportation agency and goods express) 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 clients, and has an information management system which is suitable for the business of the system and is an economic organization for independently accounting and independently bearing civil responsibility.
(9) Export customs node: the customs of the importer is pointed out to exercise the national administrative authorities of import and export supervision and management authority according to the laws and regulations of the country (or region). The system is used for verifying the authenticity of the goods, including types, quantity, tax and the like, and is responsible for checking and checking the issuing pass of the goods;
importer customs node: and the customs of the importer receives the importer tax and is responsible for checking and checking the mechanism of issuing passes of the goods.
As shown in FIG. 4, the preferred embodiment of the present application provides a method for developing a false long term LC based on a blockchain, comprising the steps of:
step S1: after the importer node selects the exporter node to be transacted, requesting to deploy an import trade contract for prescribing payment using a documentary credit on a blockchain, and after the importer node and the exporter node confirm that the importer node and the exporter node have no errors, carrying out hash signature confirmation on the import trade contract by the importer node and the exporter node;
step S2: the importer node deploys an issuing application form on the blockchain and carries out hash signature, after the issuing application form passes the verification, a fake long-term credit card is issued for the issuing application form and is recorded on the blockchain after the issuing application form carries out hash signature, and the importer node carries out hash signature confirmation on the content of the fake long-term credit card;
step S3: after hash signature confirmation is carried out on the content of the false long-term credit card, the export business node starts to transport goods, and data related to goods transportation are recorded on a blockchain and are linked to the false long-term credit card;
step S4: the payment-replacing line node checks the data related to the transaction, pays the payment to the export business node, performs hash signature on the payment information, records the payment information on a blockchain and links the payment information to the false long-term credit card, and performs hash signature confirmation on the payment information after the export business node confirms the payment information;
step S5: carrying out goods picking up activities based on requests of importer nodes;
step S6: after the long-term draft expires, the issuing bank node pays to the substitute bank node according to the contract, the importer node pays according to the contract-oriented issuing bank node, and the payback information are recorded on the blockchain and are linked to the fake long-term credit card.
In this embodiment, the method for issuing the false long-term credit based on the blockchain simplifies the execution process of the transaction based on the false long-term credit by using the intelligent contract technology in the blockchain, hash signatures are needed when both transaction parties perform association operation in the transaction process, the possibility of default and fraud of both import and export parties is reduced, relevant information during the cargo transportation is uploaded to the blockchain network and linked to the false long-term credit, the trust and risk problems in payment and delivery are solved, the trust degree of both transaction parties is improved, the safety of the transaction is improved, and the faster, safer and more reliable trade activities are realized.
It will be appreciated that, as shown in fig. 5, the step S1 specifically includes the following:
step S11: after the importer node selects the exporter node to be transacted, an importer trade contract request for prescribing payment by using a documentary credit is deployed on a blockchain, and a hash signature is carried out by using a private key of the importer node;
step S12: after receiving import trade contract, the export node verifies the abstract, determines that the contract is formulated by the export node, sends a request for acquiring basic information and future default probability of the import node to Oracle, and carries out hash signature on the request by using own private key;
step S13: after Oracle receives the request of the export node, firstly, the abstract is verified, after the request is determined to be sent by the export node, the basic information of the import node and the information such as the future default probability are subjected to hash signature by using the private key, and then the hash signature is recorded on the blockchain;
step S14: after receiving the information of the importer node, the exporter node firstly verifies the abstract of the importer node, determines that the information is sent by Oracle, and then determines whether the importer node accepts import trade contracts according to the information; if the exporter node refuses the issuing application of the importer node, a refusal notice of the importer node is generated on the blockchain, if the contract is accepted, a hash signature is carried out on the imported trade contract by using a private key of the exporter node, and the contract is stored on the blockchain. To this end, trade contracts are concluded for importer and importer nodes.
It may be appreciated that in the step S12, the exporter node uses the public key of the importer node to verify the abstract of the imported trade contract, the Oracle uses the public key of the exporter node to verify the abstract of the importer node information uploaded by the Oracle, and the exporter node uses the public key of the Oracle to verify the abstract of the importer node information uploaded by the Oracle.
It will be appreciated that, as shown in fig. 6, the step S2 specifically includes the following:
step S21: the importer node selects an issuing bank node, then an issuing application form is deployed on the blockchain, a private key of the importer node is used for carrying out hash signature, a certain amount of security deposit is stored on an account of the issuing bank node, and then the security deposit is stored in data and recorded on the blockchain;
step S22: the issuing bank node firstly verifies the abstract of the issuing application form, determines that the form is sent by the importer node, then deploys the credit investigation evaluation application form of the importer node to the credit investigation organization node, carries out hash signature by using the private key of the issuing bank node and records the hash signature on the blockchain;
step S23: after receiving the credit investigation and evaluation application form, the credit investigation node firstly verifies the abstract, determines that the credit investigation request is sent by the issuing party, signs a contract with the issuing party and carries out hash signature on the contract by using the private key of the issuing party, then judges the authenticity of the uploaded data of the importer node again, and carries out hash signature on the data and the enterprise credit evaluation result by using the private key of the importer node after evaluating the comprehensive strength and the credit condition of the importer node, and finally records the information on a block chain. The block chain automatically generates an enterprise credit worthiness assessment list with automatic hash endorsement signatures of all nodes participating in the assessment process after the enterprise credit worthiness assessment is finished;
step S24: after receiving the enterprise credit evaluation list, the issuing bank node firstly verifies the abstract to determine whether the enterprise credit evaluation list is issued by the credit investigation node, and then determines whether the issuing bank node accepts issuing applications or not based on the credit guarantee limit and the credit investigation condition of the issuing bank node: if the issuing bank node refuses the issuing application of the importer node, generating refusal notification for the importer node on the blockchain; if the agreement is accepted, a partner bank is deployed with the agreement and carries out hash signature by using a private key of the partner bank, a substitute payment node in the partner bank behavior fake long-term credit card service is appointed, financing interest rate and other conditions are determined, and finally the agreement is stored on a blockchain;
step S25: the issuing bank issues a fake long-term credit card, carries out hash signature by using a private key of the issuing bank, and then stores the fake long-term credit card on a blockchain;
step S26: after receiving the false long-term credit card, the importer node firstly verifies the abstract of the false long-term credit card, determines that the credit card is sent by the issuing party node, and after verification, the importer node uses a private key to carry out hash signature to confirm the content of the false long-term credit card, so that the false long-term credit card takes effect.
It will be appreciated that, as shown in fig. 7, the step S3 specifically includes the following:
step S31: after receiving the false long-term credit card, the exporter node firstly verifies the abstract of the false long-term credit card, determines that the credit card is sent by an issuing node, ensures that a substitute-line node can fulfill the conditions specified by the credit card, performs hash signature on bill information of goods transportation by using a private key of the substitute-line node, then stores the bill information on a blockchain, links the bill information to the false long-term credit card, informs a third party detection node to detect the quality and specification of the goods, loads the goods by a logistics storage node, and declares the goods to a sea;
step S32: after the third party detection node detects that the goods are qualified, a detection report is generated, a private key of the third party detection node is used for carrying out hash signature, and then the verification is stored on a blockchain and linked to the false long-term credit card so as to prove the authenticity and the effectiveness of the goods in the batch;
step S33: the logistics storage node performs hash signature on logistics information by using a private key of the logistics storage node, records the logistics information on a blockchain and links the logistics information to the false long-term credit card;
step S34: after checking and tax refunding the goods, the customs node of the exporter generates a checking record list and tax data, and uses a private key of the customs node to carry out hash signature, store the checking record list and tax data on a blockchain and link the checking record list to the false long-term credit card, wherein the checking record list comprises information such as the type, the quantity and the like of the goods.
It will be appreciated that, as shown in fig. 8, the step S4 specifically includes the following steps:
step S41: the payment-substitute line node respectively verifies the checking bill of the false long-term credit, the goods checking report, the logistics information, the checking record list and the abstract of tax data, and after confirming that the source and the information are correct, the payment-substitute line node pays, accepts or negotiates according to the stipulation of the false long-term credit, and the payment, acceptance or bargained information is signed by a private key of the node by hash, recorded on a blockchain and linked to the false long-term credit;
step S42: after receiving payment, acceptance or bargained money, the exporter node verifies the abstract of the information, determines that the information is sent by the substitute payment node, and then uses the private key of the exporter node to carry out hash signature confirmation on the payment, acceptance or bargained money, and records the hash signature confirmation on the blockchain and links the hash signature to the pseudo-long-term credit card.
It will be appreciated that, as shown in fig. 9, the step S5 specifically includes the following:
step S51: checking the goods by the customs node of the importer, comparing the goods with a checking record list of the customs node of the exporter, generating a checking record list after the checking is consistent, carrying out hash signature by using a private key of the checking record list, storing the checking record list on a blockchain and linking the checking record list to the false long-term credit, if the goods need to collect import tax, carrying out tax collection on the goods by the customs node of the importer, carrying out hash signature on an import value-added tax invoice by using a private key of the importer, storing the checking record list on the blockchain and linking the checking record list to the false long-term credit;
step S52: when goods are transported to a warehouse in a goods selling area, the logistics storage node generates goods arrival information, performs hash signature by using a private key of the logistics storage node, records the goods arrival information on a blockchain and links the goods arrival information to the fake long-term credit card;
step S53: the importer node requests to deploy goods picking information on the blockchain, carries out hash signature by using a private key of the importer node and links to the false long-term credit card;
step S54: after receiving the information of the extracted goods, the logistics storage node verifies the abstract of the goods, determines that the information is sent by an importer node, generates product delivery information after the goods are extracted by the importer node, performs hash signature by using a private key of the importer node, and records the product delivery information on a blockchain and links to the false long-term credit.
It will be appreciated that, as shown in fig. 10, the step S6 specifically includes the following steps:
step S61: when the long-term draft expires, the issuing bank node pays the draft money to the substitute bank node together with interest calculated according to the agreed interest rate, and the substitute information is recorded on a blockchain and linked to the fake long-term credit card after being subjected to hash signature by using a private key of the substitute bank node;
step S62: after receiving the payment information, the payment-substituting line node firstly verifies the abstract of the payment information, determines that the information is sent by the issuing line node, and then uses the private key of the payment-substituting line node to carry out hash signature confirmation and record the hash signature on the blockchain and link the hash signature to the pseudo-long-term credit card;
step S63: the importer node pays the issuing bank node according to the stipulation, and records the repayment information on the blockchain after carrying out hash signature by using the private key of the importer node and links to the fake long-term credit card;
step S64: after receiving the repayment of the importer node, the issuing bank node firstly verifies the abstract of the repayment information, determines that the information is sent by the importer node, then carries out hash signature by using a private key of the issuing bank node, records the hash signature on a blockchain and links to the false long-term credit card.
It will be appreciated that, as a preferred option, the step S6 further comprises the steps of:
after repayment of the importer node, if goods are stored in the logistics storage node, the importer node can be taken out at one time, and the logistics storage node records the information of the cleared goods on the blockchain after hash signing by using the private key of the importer node and links the information to the fake long-term credit card.
It will be appreciated that, as a preferred option, the step S6 further comprises the steps of:
if the importer node pays according to the schedule, the issuing bank node freezes the deposit of the issuing bank node on the bank and/or notifies the logistics storage node to withhold the goods, and the situation of freezing the deposit and/or withholding the goods is recorded on the blockchain and linked to the false long-term credit after hash signature is carried out by using the private key of the issuing bank node.
The blockchain-based method for issuing the false long-term credit has the following advantages compared with the existing method for issuing the false long-term credit:
all information on an industrial chain in the whole issuing long-term credit card issuing process is completely published on the chain by using a blockchain technology, and through a consensus mechanism and repeated confirmation of a plurality of key nodes, the true transparency and the whole integrity of the information are improved, the non-falsifiability and the non-falsification of the information are ensured, and the bank credit risk caused by the credit information problem of import and export parties of a bank is reduced.
In the traditional mode, different entities respectively store respective information, each system has information island, the transparency of the information is seriously insufficient, high time cost and money cost are caused, once problems (default, fraud and other actions) occur on import and export parties, the problems are difficult to track and process, and at the moment, banks face the risks of funds and credit. Firstly, a chain is made by using a block chain technology, namely, all important participating nodes form a alliance chain; and then the transaction information of all participating subjects is uplink, so that the whole transaction process is transparent, the security and the efficiency of the transaction are improved, the trust degree among the participating subjects can be deepened, and the trust mechanism in international trade is remodeled; finally, using a chain, the transaction record and the history inquiry are conveniently carried out in the whole trade process.
By applying the technology of combining the blockchain and the intelligent contract, the document transmission and auditing process is simplified, the labor, material, financial and time costs are saved, and a plurality of complicated processes in the middle of international trade are simplified; the default and fraud possibility of both import and export parties are reduced, the trust and risk problems in payment and delivery are solved, and the trust degree of both transaction parties is improved; the risk born by the bank is reduced, and the credit of the bank is protected; the fund occupation is reduced; the cash flow is improved, so that the whole trade financing process is faster, safer and more intelligent.
It will be appreciated that the second embodiment of the present application also provides a computer readable storage medium storing a computer program for blockchain-based opening of a false long term LC, which when run on a computer performs the steps of the blockchain-based opening of a false long term LC method as described above.
Forms of general computer-readable media include: a floppy disk (floppy disk), a flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, a CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a Random Access Memory (RAM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), a 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 over a transmission medium. The term transmission medium may include any tangible or intangible medium that may be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communications signals or their communications with intangible medium that facilitate communication of such instructions. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting computer data signals.
The above description is only of the preferred embodiments of the present application and is not intended to limit the present application, but various modifications and variations can be made to the present application by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (2)
1. A method for developing fake long-term credit based on blockchain is characterized in that,
the method comprises the following steps:
step S1: after the importer node selects the exporter node to be transacted, requesting to deploy an import trade contract for prescribing payment using a documentary credit on a blockchain, and after the importer node and the exporter node confirm that the importer node and the exporter node have no errors, carrying out hash signature confirmation on the import trade contract by the importer node and the exporter node;
step S2: the importer node deploys an issuing application form on the blockchain and carries out hash signature, after the issuing application form passes the verification, a fake long-term credit card is issued for the issuing application form and is recorded on the blockchain after the issuing application form carries out hash signature, and the importer node carries out hash signature confirmation on the content of the fake long-term credit card;
step S3: after hash signature confirmation is carried out on the content of the false long-term credit card, the export business node starts to transport goods, and data related to goods transportation are recorded on a blockchain and are linked to the false long-term credit card;
step S4: the payment-replacing line node checks the data related to the transaction, pays the payment to the export business node, performs hash signature on the payment information, records the payment information on a blockchain and links the payment information to the false long-term credit card, and performs hash signature confirmation on the payment information after the export business node confirms the payment information;
step S5: carrying out goods picking up activities based on requests of importer nodes;
step S6: after the long-term draft expires, the issuing bank node pays to the substitute bank node according to the contract, the importer node pays according to the contract-oriented issuing bank node, and the payback information are recorded on the blockchain and are linked to the fake long-term credit card;
the step S1 specifically comprises the following steps:
step S11: after the importer node selects the exporter node to be transacted, an importer trade contract request for prescribing payment by using a documentary credit is deployed on a blockchain, and a hash signature is carried out by using a private key of the importer node;
step S12: after receiving import trade contract, the exporter node verifies the abstract, determines that the contract is drawn by the exporter node, sends a request for acquiring basic information and future default probability of the importer node to Oracle, and uses own private key to hash the request and record the request on a blockchain;
step S13: after Oracle receives the request of the export node, firstly, the abstract is verified, after the request is determined to be sent by the export node, the basic information and the future default probability information of the import node are subjected to hash signature by using the private key of the original importer node, and then the hash signature is recorded on the blockchain;
step S14: after receiving the information, the exporter node firstly verifies the abstract of the information, determines that the information is sent by Oracle, and then determines whether to accept import trade contracts according to the information; if the exporter node refuses the import trade contract of the importer node, generating refusal notice of the importer node and recording the refusal notice on the blockchain, and if the import trade contract is accepted, carrying out hash signature on the import trade contract by using a private key of the exporter node;
the step S2 includes the steps of:
step S21: the importer node selects an issuing bank node, requests to deploy an issuing application form on the blockchain, carries out hash signature by using a private key of the importer node, stores a guarantee deposit on an account of the issuing bank node, and then stores the guarantee deposit into data to be recorded on the blockchain;
step S22: the issuing bank node firstly verifies the abstract of the issuing application form, determines that the form is requested to be deployed by the importer node, then requests to the credit investigation organization node to deploy the credit investigation evaluation application form of the importer node, carries out hash signature by using the private key of the issuing bank node and records the hash signature on the blockchain;
step S23: the credit investigation node firstly verifies the abstract of the credit investigation and evaluation application form, determines that the credit investigation request is sent by the issuing bank node, then judges the authenticity of the data uploaded by the importer node, and after evaluating the comprehensive strength and credit condition, hash signs the data and the enterprise credit evaluation result by using own private key and records the hash signature on the blockchain, and the blockchain automatically generates the enterprise credit evaluation form of the importer node;
step S24: the issuing bank node verifies the abstract of the enterprise credit evaluation table, determines that the enterprise credit evaluation table is sent by the credit investigation node, determines whether to accept the issuing application or not based on the credit guarantee limit and the credit investigation condition of the importer node, and if the issuing application is refused, generates refused notification for the importer node on the blockchain; if the protocol is accepted, deploying the protocol with the substitute payment node, carrying out hash signature by using a private key of the protocol, and then storing the protocol on the blockchain;
step S25: the issuing bank node issues a fake long-term credit card and uses a private key of the issuing bank node to carry out hash signature and then stores the hash signature on a blockchain;
step S26: the importer node firstly verifies the abstract of the false long-term credit card, determines that the false long-term credit card is sent by the issuing party node, and after verification, the importer node uses a private key to carry out hash signature to confirm the content of the false long-term credit card, so that the false long-term credit card takes effect;
the step S3 includes the following:
step S31: after receiving the false long-term credit, the exporter node firstly verifies the abstract of the false long-term credit, determines that the false long-term credit is sent by an issuing party, ensures that a substitute party node can fulfill the conditions specified by the false long-term credit, performs hash signature on bill information of goods transportation by using a private key of the substitute party node, stores the bill information on a blockchain and links the bill information to the false long-term credit, informs a third party detection node to detect the quality and specification of the goods, loads the goods by a logistics storage node and declares the goods to an exporter customs node;
step S32: after detecting that the goods are qualified, the third party detection node generates a detection report, and uses a private key of the third party detection node to carry out hash signature, store the hash signature on a blockchain and link the hash signature to the false long-term credit;
step S33: the logistics storage node performs hash signature on logistics information by using a private key of the logistics storage node, records the logistics information on a blockchain and links the logistics information to the false long-term credit card;
step S34: after checking and tax refunding goods, the customs node of the exporter generates a checking record list and tax data, and uses a private key of the customs node to carry out hash signature, store the hash signature on a blockchain and link the hash signature to the false long-term credit;
the step S4 specifically includes the following steps:
step S41: the payment-substitute line node respectively verifies the checking bill of the false long-term credit, the goods checking report, the logistics information, the checking record list and the abstract of tax data, and after confirming that the source and the information are correct, the payment-substitute line node pays, accepts or negotiates according to the stipulation of the false long-term credit, and the payment, acceptance or bargained information is signed by a private key of the node by hash, recorded on a blockchain and linked to the false long-term credit;
step S42: after receiving payment, acceptance or bargained money, the exporter node verifies the abstract of the information, determines that the information is sent by a substitute payment node, then uses the private key of the exporter node to carry out hash signature confirmation on the payment, acceptance or bargained information, and records the information on a blockchain and links the information to the false long-term credit card;
the step S5 specifically includes the following steps:
step S51: checking the goods by the customs node of the importer, comparing the goods with a checking record list of the customs node of the exporter, generating a checking record list after the checking is consistent, carrying out hash signature by using a private key of the checking record list, storing the checking record list on a blockchain and linking the checking record list to the false long-term credit, if the goods need to collect import tax, carrying out tax collection on the goods by the customs node of the importer, carrying out hash signature on an import value-added tax invoice by using a private key of the importer, storing the checking record list on the blockchain and linking the checking record list to the false long-term credit;
step S52: when goods are transported to a warehouse in a goods selling area, the logistics storage node generates goods arrival information, performs hash signature by using a private key of the logistics storage node, records the goods arrival information on a blockchain and links the goods arrival information to the fake long-term credit card;
step S53: the importer node requests to deploy goods picking information on the blockchain, carries out hash signature by using a private key of the importer node and links to the false long-term credit card;
step S54: after receiving the information of the extracted goods, the logistics storage node verifies the abstract of the goods, determines that the information is sent by an importer node, generates product delivery information after the goods are extracted by the importer node, performs hash signature by using a private key of the importer node, and records the product delivery information on a blockchain and links to the false long-term credit;
the step S6 specifically includes the following steps:
step S61: when the long-term draft expires, the issuing bank node pays the draft money to the substitute bank node together with interest calculated according to the agreed interest rate, and the substitute information is recorded on a blockchain and linked to the fake long-term credit card after being subjected to hash signature by using a private key of the substitute bank node;
step S62: after receiving the payment information, the payment-substituting line node firstly verifies the abstract of the payment information, determines that the information is sent by the issuing line node, and then uses the private key of the payment-substituting line node to carry out hash signature confirmation and record the hash signature on the blockchain and link the hash signature to the pseudo-long-term credit card;
step S63: the importer node pays the issuing bank node according to the stipulation, and records the repayment information on the blockchain after carrying out hash signature by using the private key of the importer node and links to the fake long-term credit card;
step S64: after receiving the repayment of the importer node, the issuing bank node firstly verifies the abstract of repayment information, determines that the information is sent by the importer node, then carries out hash signature by using a private key of the issuing bank node, records the hash signature on a blockchain and links to the false long-term credit card; after repayment of the importer node, if goods are stored in the logistics storage node, the importer node can be taken out at one time, and the logistics storage node records the information of the cleared goods on a blockchain after hash signing by using a private key of the importer node and links the information to the fake long-term credit card; if the importer node pays according to the schedule, the issuing bank node freezes the deposit of the issuing bank node on the bank and/or notifies the logistics storage node to withhold the goods, and the situation of freezing the deposit and/or withholding the goods is recorded on the blockchain and linked to the false long-term credit after hash signature is carried out by using the private key of the issuing bank node.
2. A computer readable storage medium storing a computer program for blockchain-based opening of a false forward credit, the computer program when run on a computer performing the steps of the blockchain-based opening of a false forward credit method as claimed in claim 1.
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