CN111161081A

CN111161081A - Method and storage medium for third party guaranteed fugitin based on blockchain

Info

Publication number: CN111161081A
Application number: CN201911325382.4A
Authority: CN
Inventors: 马超群; 黄澳宇; 周中定; 李信儒; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2019-12-20
Filing date: 2019-12-20
Publication date: 2020-05-15
Anticipated expiration: 2039-12-20
Also published as: CN111161081B

Abstract

The invention discloses a method for carrying out third-party guarantee on Foetidinine based on a block chain and a computer-readable storage medium. The Foetidinia method for third-party guarantee based on the block chain realizes electronization of the document by using the block chain technology, accelerates the transfer speed of the document in the business flow, prevents the document from being lost, and ensures the authenticity of the document in the business flow by using the asymmetric encryption, Hash algorithm, digital identity and digital signature technology of the block chain. In addition, the probability of each party default is reduced by utilizing a consensus mechanism and multi-party supervision of the block chain, and meanwhile, an Oracle node is introduced, so that the information transparency is increased, and the financing risk caused by information loss is reduced. And moreover, the distributed account book and the consensus mechanism of the block chain are utilized to realize the non-tampering property and the multi-party identity of the certificate and the protocol, so that the authenticity and the validity of the certificate and the protocol are ensured.

Description

Method and storage medium for third party guaranteed fugitin based on blockchain

Technical Field

The present invention relates to the field of fugitin financing in trade financing, and more particularly, to a fugitin method and a computer-readable storage medium for third-party guarantee based on a block chain.

Background

Fosident, also called a bought or a buy-out of a bill bundle, refers to an export financing method that an export bank or a financial institution posts no recourse to the export long-term debt right (long-term/postponed payment credit, long-term business bill, long-term bank bill, long-term draft) of an exporter, so that the exporter can obtain cash in advance. Mainly aiming at the medium and long-term trade financing of 6 months to 5 years or even longer, the method is a high-risk and high-income business.

However, the existing fufiting method has the following problems:

1. the bill transfer among exporters, bag purchasers and security guards has the risks of bill loss and counterfeit, and the transfer of paper bills has the defects of time and labor waste and low efficiency.

2. The package buyer may not have sufficient knowledge of the vouchers crediting conditions to increase the risk they are exposed to.

3. The exporter may have great difficulty or be unable to ensure in ensuring the validity of the creditor voucher and the validity of the vouchers, resulting in an inability to exempt the package buyer from recourse to the exporter.

Disclosure of Invention

The invention provides a method for carrying out third-party guarantee on the basis of a block chain and a computer readable storage medium, which aim to solve the technical problems that the existing method for financing on the basis of the fofiting is time-consuming, labor-consuming and low in efficiency, a bag buyer node bears high risk, and an exporter node is difficult to prove the validity of a creditor certificate and the validity of guarantee.

According to one aspect of the present invention, there is provided a method of blessing for third party guaranty based on a blockchain, comprising the steps of:

step S1: the import merchant node deploys the trade contract on the block chain, uploads the trade contract to the block chain after Hash signature is carried out on the trade contract, and the export merchant node confirms the trade contract to be correct and then carries out Hash signature confirmation;

step S2: the importer node and the guarantor node sign the guaranty agreement and upload it to the blockchain;

step S3: the export merchant node and the packet buyer node sign the Fofiting protocol and upload the Fofiting protocol to the block chain;

step S4: the exporter node and the carrier node sign a freight contract and upload the contract to the block chain;

step S5: the export business node carries out goods export transportation activities, and the related information of the goods export transportation is uploaded to the block chain;

step S6: based on the request of the exporter node, the package buyer node posts payment to the exporter node and uploads the transfer record Hash signature to the block chain;

step S7: the import business node performs goods extraction activities, and information related to goods extraction is uploaded to the block chain;

step S8: and after the acceptance date is reached, the importer node pays the goods and uploads the goods to the block chain after carrying out Hash signature on the account transfer voucher.

Further, the step S2 specifically includes the following steps:

step S21: the import merchant node deploys a guarantee agreement application form on the block chain based on the trade contract, and uploads the guarantee agreement application form to the block chain after being signed by the Hash of the private key of the import merchant node;

step S22: after receiving the warranty agreement application on the block chain, the guarantor node applies to the Oracle node for checking the credit worthiness of the importer node and verifying the authenticity of the warranty agreement application information;

step S23: after receiving the application, the Oracle node extracts the credit worthiness of the importer node and verifies the authenticity of the information of the application form of the security agreement, generates a report, confirms the report by using a Hash signature of a private key, sends the report to the security holder node, and uploads the report to a block chain;

step S24: the guarantor node verifies the abstract of the report by using a public key of the Oracle node, determines that the abstract is sent by the Oracle node, determines whether to guarantee the import business node or not based on the report content, generates a rejection notice if the abstract is rejected, signs by using a Hash of a private key, sends the rejection notice to the import business node, and uploads the rejection notice to a block chain; and if the request is approved, the private key Hash signature is used for confirmation on the guarantee protocol application deployed by the importer node.

Further, the step S3 specifically includes the following steps:

step S31: the export business node deploys the Fofiting protocol on the block chain and signs with the Hash of the private key;

step S32: after receiving the Foetidinine protocol on the block chain, the package buyer node applies to the Oracle node for checking the credit information condition of the guarantor node;

step S33: the Oracle node extracts the credit worthiness of the guarantor node after receiving the application, generates a report, signs by using a Hash private key, sends the report to a bag buyer node, and uploads the report to a block chain;

step S34: the package buyer node verifies the abstract of the report by using a public key of the Oracle node, determines that the abstract is sent by the Oracle node, then determines whether to perform cooperation with the export business node, if the abstract is rejected, generates a rejection notice, sends the export business node after being signed by using a Hash of a private key, and uploads the rejection notice to the block chain; if agreed, a private key Hash signature validation is used on the Fofiting protocol deployed by the exporter node.

Further, the step S4 specifically includes the following steps:

step S41: the export business node prepares and delivers the goods, deploys the freight contract on the block chain and sends the goods to the carrier node after Hash signature;

step S42: the carrier node confirms that the contract is error-free and confirms the order receipt and then confirms the shipment contract with the private key signature.

Further, the step S5 specifically includes the following steps:

step S51: the export business node applies for business inspection to the export side business inspection bureau node after preparing the goods, delivers an export inspection application book and uploads the export inspection application book to the block chain after the private key Hash signature;

step S52: after the commodity inspection office node is qualified in commodity inspection, a commodity inspection certificate is issued, signed by a Hash private key and uploaded to a block chain, and an export merchant node is informed;

step S53: the export merchant node uploads the export goods customs clearance list to the block chain after being signed by a private key Hash, and applies for customs clearance to the export party customs node;

step S54: after the field examination and verification of the export square sea joint point are successful, a release notice is issued, and the export square sea joint point is uploaded to a block chain after Hash signature;

step S55: the export business node transfers goods and related documents to the carrier node, generates a transfer notice, uses a private key Hash signature and uploads the transfer notice to the block chain;

step S56: after the carrier node receives the goods and the related documents and confirms that the goods and the related documents are correct, the Hash signature is confirmed on the transfer notice, meanwhile, the carrier node generates a bill of lading, sends the bill of lading to the carrier node after the Hash signature is carried out by using a private key, and uploads the bill of lading to the block chain.

Further, the step S6 specifically includes the following steps:

step S61: the export business node signs the related bills and the bill transfer protocol by using a private key, transfers the bills and the bill transfer protocol to the package buyer node, and uploads the bills and the bill transfer protocol to the block chain;

step S62: the package buyer node verifies the bill submitted by the export merchant node, and after the bill is confirmed to be correct, the Hash signature confirmation is carried out on the bill transfer protocol and the guarantor node is informed to add a guarantee typeface on the bill;

step S63: after the corresponding bill is checked by the guarantor node and is determined to meet the requirements, a guarantee typeface is added to the bill and signed, and the bill is signed by a private key Hash and then sent to the package buyer node and recorded on the block chain;

step S64: and after receiving the bill signed by the guarantor node, the buying and buying node posts payment to the export merchant node without recourse, and uploads the signed private key Hash for transfer record to the block chain.

Further, the step S7 specifically includes the following steps:

step S71: after the export business node determines that the account transfer of the buyer node is sent to an account, Hash signature confirmation is carried out on the account transfer record, the information of the goods deliverer is deployed on the goods delivery bill, and the information is uploaded to the block chain after the Hash signature confirmation by using a private key;

step S72: the import merchant node obtains the delivery bill signed by the export merchant node, the Hash signature is applied to the delivery bill after the goods are extracted, and an import inspection application is submitted to the import side merchant inspection bureau node;

step S73: after the import side commodity inspection bureau node inspects that the goods are qualified, the import side commodity inspection bureau node issues a commodity inspection certificate, uses a private key Hash to sign the commodity inspection certificate and uploads the commodity inspection certificate to the block chain;

step S74: the import business node submits an import goods customs declaration form to the import square sea joint node, signs with a Hash private key and uploads the customs declaration form to the block chain;

step S75: after the imported square sea joint points pass the verification and verification, issuing a release notice sheet and a tax payment sheet, performing Hash signature, and uploading to a block chain;

step S76: and the importer node receives the goods smoothly.

Further, the step S8 specifically includes the following steps:

step S81: after the acceptance date is reached, the importer node pays all the goods money to the guarantor node, and uploads the transfer voucher to the block chain after being signed by the private key Hash;

step S82: after confirming that the importer node pays all the money, the guarantor node uses a private key Hash to sign and confirm on the transfer voucher;

step S83: the guarantor node pays due to the package buyer node, signs the transfer certificate with a private key Hash and uploads the transfer certificate to the block chain;

step S84: and after confirming that payment is received, the package buyer node verifies the Hash signature on the transfer certificate.

The present invention also provides a computer readable storage medium for storing a computer program for blockchain-based third party guaranteed forbidding, which when run on a computer performs the method for blockchain-based third party guaranteed forbidding as described above.

The invention has the following beneficial effects:

the Foetidinia method for third-party guarantee based on the block chain realizes electronization of the document by using the block chain technology, accelerates the transfer speed of the document in the business flow, prevents the document from being lost, and ensures the authenticity of the document in the business flow by using the asymmetric encryption, Hash algorithm, digital identity and digital signature technology of the block chain. In addition, the probability of each party default is reduced by utilizing a consensus mechanism and multi-party supervision of the block chain, and meanwhile, an Oracle node is introduced, so that the information transparency is increased, and the financing risk caused by information loss is reduced. And moreover, the distributed account book and the consensus mechanism of the block chain are utilized to realize the non-tampering property and the multi-party identity of the certificate and the protocol, so that the authenticity and the validity of the certificate and the protocol are ensured.

In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:

fig. 1 is a block chain network deployment diagram of a method for third party guaranteed fofiting based on block chains in accordance with a preferred embodiment of the present invention.

Fig. 2 is a business network diagram of a method for third party guaranteed fofiting based on blockchains in accordance with a preferred embodiment of the present invention.

Fig. 3 is a flow diagram of a method for third party guaranteed fofiting based on blockchains in accordance with a preferred embodiment of the present invention.

Fig. 4 is a sub-flowchart of step S2 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 5 is a sub-flowchart of step S3 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 6 is a sub-flowchart of step S4 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 7 is a sub-flowchart of step S5 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 8 is a sub-flowchart of step S6 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 9 is a sub-flowchart of step S7 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 10 is a sub-flowchart of step S8 in fig. 3 according to the preferred embodiment of the present invention.

Detailed Description

The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.

For ease of understanding, as shown in fig. 1 and 2, the following explains the multi-party nodes involved in the blockchain network in the method of fofiting for third party guarantee based on blockchains.

1. Oracle (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. package buyer node: a bank or other financial institution that brokers the fugitin business and pays;

4. a guarantor node: the bank at the position of the importer is responsible for the compensation payment which cannot be paid when the importer expires;

5. import side business inspection bureau node: the entrance party is a detection mechanism for auditing whether the commodities meet the import requirements;

6. 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;

7. 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;

8. 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;

9. 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;

10. the carrier node: the system indicates that the oral 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 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.

As shown in fig. 3, a preferred embodiment of the present invention provides a method for third party guaranteed fofiting based on blockchain, comprising the steps of:

In this embodiment, the method for performing third-party guarantee on fofiting based on the block chain realizes electronization of the document by using the block chain technology, accelerates the transfer speed of the document in the business process, prevents the document from being lost, and ensures the authenticity of the document in the business process by using the asymmetric encryption, the Hash algorithm, the digital identity and the digital signature technology of the block chain. In addition, the probability of each party default is reduced by utilizing a consensus mechanism and multi-party supervision of the block chain, and meanwhile, an Oracle node is introduced, so that the information transparency is increased, and the financing risk caused by information loss is reduced. And moreover, the distributed account book and the consensus mechanism of the block chain are utilized to realize the non-tampering property and the multi-party identity of the certificate and the protocol, so that the authenticity and the validity of the certificate and the protocol are ensured.

It can be understood that, as shown in fig. 4, the step S2 specifically includes the following steps:

In step S2, after the importer node applies for the guarantee, the guarantor node extracts the credit worthiness of the importer node and verifies the authenticity of the information in the application form of the guarantee agreement through the oracle node, which is helpful for the guarantor node to perform the evaluation quickly and accurately, and then determines whether to provide the guarantee service for the importer node according to the evaluation result, thereby reducing the risk of the guarantor node.

It can be understood that, as shown in fig. 5, the step S3 specifically includes the following steps:

In step S3, after the exporter node requests to handle the fuftian service, the package buyer node quickly and accurately evaluates the credit worthiness of the guarantor node through the Oracle node, and the package buyer node determines whether to provide fuftian service to the exporter node according to the evaluation result, thereby effectively reducing the financing risk of the package buyer node.

It can be understood that, as shown in fig. 6, the step S4 specifically includes the following steps:

In step S4, the exporter node and the carrier node both need to perform Hash signature on the shipping contract and upload the Hash signature to the block link, which is non-tamper-proof and non-repudiation.

It can be understood that, as shown in fig. 7, the step S5 specifically includes the following steps:

In the step S5, circulation information of the goods at the exit side is signed by the relevant processing node and then uploaded to the block chain, and the circulation process of the goods is clear and transparent, so that the goods can be effectively supervised by each side node, and particularly, the risk of the points of the bag buyer is reduced.

It can be understood that, as shown in fig. 8, the step S6 specifically includes the following steps:

In step S6, after the export merchant node requests to cash out, the package buyer node requests the guarantor node to sign and seal after the ticket submitted by the export merchant node is checked, and then pays the export merchant node, thereby reducing the financing risk of the package buyer node, and the whole process is transparent in the block chain, which is convenient for other nodes to monitor.

It can be understood that, as shown in fig. 9, the step S7 specifically includes the following steps:

step S76: and the importer node receives the goods smoothly.

It can be understood that, as shown in fig. 10, the step S8 specifically includes the following steps:

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 blockchain-based third party guaranteed forvina, which when run on a computer performs the method for blockchain-based third party guaranteed forvina 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

1. A method for third party guaranty for Foetian based on block chain,

the method comprises the following steps:

2. The method of blockchain-based third party guaranteed fofiting of claim 1,

the step S2 specifically includes the following steps:

3. The method of block-chaining based third-party guaranteed fowidely of claim 2,

the step S3 specifically includes the following steps:

4. The method of block-chaining based third-party guaranteed fowidely of claim 3,

the step S4 specifically includes the following steps:

5. The method of blockchain-based third party guaranteed fofiting of claim 4,

the step S5 specifically includes the following steps:

6. The method of blockchain-based third party guaranteed fofiting of claim 5,

the step S6 specifically includes the following steps:

7. The method of blockchain-based third party guaranteed fofiting of claim 6,

the step S7 specifically includes the following steps:

step S76: and the importer node receives the goods smoothly.

8. The method of block-chaining based third-party guaranteed fowidely of claim 7,

the step S8 specifically includes the following steps:

9. A computer-readable storage medium storing a computer program for blockchain-based third party guaranteed forbidding, wherein the computer program when executed on a computer performs the method of blockchain-based third party guaranteed forbidding according to any one of claims 1 to 8.