CN111199479B

CN111199479B - Block chain-based method for carrying out import overseas payment and storage medium

Info

Publication number: CN111199479B
Application number: CN201911370880.0A
Authority: CN
Inventors: 李信儒; 吴佳滢; 周中定; 马超群; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2019-12-27
Filing date: 2019-12-27
Publication date: 2023-09-26
Anticipated expiration: 2039-12-27
Also published as: CN111199479A

Abstract

The application discloses a block chain-based method for carrying out import overseas payment and a computer-readable storage medium. According to the method, the information on the whole industrial chain is completely published on the chain through the blockchain, the true transparency of the information is improved through repeated confirmation of the multi-party nodes, the risk of banks due to credit worthiness is reduced, meanwhile, the risk of external debt is conveniently and systematically measured, the trust degree among participating subjects is deepened, and the transaction security is high. In addition, through the combination of the blockchain and the intelligent contract technology, the transmission and auditing processes of the credit card and the bill are simplified, and the manpower, material resources, financial resources and time cost are saved, so that the whole financing process is quicker, safer and more intelligent, and the problem of bill counterfeiting and loss can be prevented. In addition, the related information in the goods circulation process is uploaded to the blockchain after being signed by the related nodes, so that the circulation process of the goods is effectively monitored by each party node, and the situation that the goods carried by importer is privately escaped is avoided.

Description

Block chain-based method for carrying out import overseas payment and storage medium

Technical Field

The application relates to the technical field of import overseas payment in international trade, in particular to a method for carrying out import overseas payment based on blockchain and a computer readable storage medium.

Background

As shown in figure 1, import overseas payment refers to the fact that under import credit, T/T exhalant remittance or import and consignment, a domestic importer submits a financing application under import to a domestic financing bank, the financing bank signs an agreement with an overseas agent bank, the overseas agent bank is authorized to pay the exporter first and agrees with the repayment date, the import yarn returns the financing principal and interest to the domestic bank on the due date, and the domestic bank reimburses the principal and interest of the overseas agent bank after deducting the interest difference. The payment can be classified into credit card payment, T/T payment or import payment according to the settlement mode. The collection means that in import and export trade, the exporter opens a draft with the importer as a payer, and entrusts the exporter bank to collect the payment to the importer through the branch or proxy of the exporter, and the settlement means comprises D/P (payment delivery order) and D/A (acceptance delivery order).

However, the conventional method for performing import overseas payment has the following problems:

1. the bill transmission process often adopts the mode of postal delivery, greatly reduced trade activity's efficiency, has the problem of making a false, losing etc., and the flow direction of goods can't be actually mastered to the bank, can't monitor the circulation process of goods, has importer's carrying goods to escape the risk of losing credit and violating the regulations.

2. The overseas payment service supervision is not applicable, the management policy and regulation of the imported overseas payment are less in the current stage, the fair, public and transparent performance of the service is not facilitated, and in the traditional trade financing activities, banks lack historical transaction information of loan enterprises, and the financing of small and medium enterprises is not facilitated.

3. The overseas payment service is trade credit registration, the data is not disclosed and transparent, the statistics of the external debt data is incomplete, according to the current regulations, the overseas payment of enterprises under 90 days does not occupy the short debt index of commercial banks, the financing cost of the overseas payment is reduced, but meanwhile, if the financial cost is infinitely enlarged, the short-term external debt scale of China is greatly increased, the international warning line is easily exceeded, the international balance is not facilitated, and the risk of exceeding the standard of the short-term external debt is increased.

Disclosure of Invention

The application provides a block chain-based method for carrying out import overseas payment and a computer-readable storage medium, which are used for solving the technical problem of high transaction risk caused by the fact that trade information in an import collection mode in the existing import overseas payment is not disclosed and transparent.

According to one aspect of the present application, there is provided a method for import overseas payment based on blockchain, comprising the steps of:

step S1: the importer node and the exporter node sign trade contracts on the blockchain;

step S2: the exporter node uploads the collected acceptance draft Hash signature to the blockchain and applies for repayment;

step S3: the banking node of the importer places transacts overseas payment for the importer based on the request of the importer node;

step S4: the overseas payment-substitute node pays the payment to the export node according to the agreement clause, and uploads the payment certificate after Hash signature to the blockchain;

step S5: after signing a freight contract on a blockchain, the export business node carries out freight export transportation activities, and information related to freight export transportation is uploaded to the blockchain after being signed by relevant nodes through Hash;

step S6: the importer nodes carry out cargo import transportation activities, and information related to cargo import transportation is uploaded to the blockchain after being signed by relevant node Hash;

step S7: and carrying out financing settlement activities based on requests of importer nodes, and uploading payment records of the goods to the blockchain after Hash signatures of related nodes.

Further, the step S1 includes the steps of:

step S11: after the importer node pays good trade details with the exporter node on line, the importer node deploys trade contracts on the blockchain, encrypts summaries of the trade contracts by using own private keys and sends the summaries to the exporter node;

step S12: the exporter node verifies the abstract of the trade contract by using the public key of the importer node, and after determining that the trade contract is drawn by the importer node and the content of the trade contract is correct, the Hash signature is confirmed.

Further, the step S2 includes the steps of:

step S21: the exporter node carries out Hash signature on the collection draft by using the private key of the exporter node, and then uploads the collection draft to the blockchain, and notifies the banking node of the place where the importer is located;

step S22: and after receiving the acceptance draft, the bank node of the importer location verifies the signature by using the public key of the exporter node, and after the acceptance draft is confirmed to be correct by uploading the public key of the exporter node, the bank node of the importer location carries out Hash signature confirmation on the acceptance draft by using the private key of the importer and notifies the importer node of payment.

Further, the step S3 includes the steps of:

step S31: the importer node applies overseas payment to the importer's local bank node, uploads the overseas payment application form on the blockchain and uses the private key to carry out Hash signature confirmation;

step S32: the bank node of the importer location verifies the signature of the importer node by using the public key of the importer node, and after confirming that the overseas payment application is submitted by the importer node and the content is correct, the bank node of the importer location evaluates the credit worthiness of the importer node, if the credit worthiness level of the importer node is evaluated to be good, the importer bank node submits the overseas payment application to the exporter instead of the importer, and utilizes the private key of the importer to carry out Hash signature confirmation, and if the credit worthiness level difference of the importer node is evaluated, a refusal notice is generated on a block chain;

step S33: the exporter node verifies the signature of the importer node by using the public key of the importer local bank node, confirms that the overseas payment application is submitted by the importer local bank node and the content is correct, uses the private key to carry out Hash signature verification and feeds back to the importer local bank node;

step S34: the banking node of the place where the importer is located submits an overseas payment application form to the overseas payment-making node which cooperates with the importer, and a private key of the importer is used for carrying out Hash signature;

step S35: the overseas payment service node verifies the signature by using the public key of the banking node of the importer, confirms that the overseas payment application is submitted by the banking node of the importer and the content is correct, uses the private key to carry out Hash signature verification and feeds back to the banking node of the importer.

Further, in the step S32, the banking node of the importer' S place evaluates the credit worthiness of the importer node by the following steps:

step S321: the banking node of the importer location submits a credit investigation situation investigation application form to the Oracle node on the blockchain, and carries out Hash signature by using a private key of the importer, so as to apply for investigation on the credit investigation situation of the importer node;

step S322: after verifying the signature by the Oracle node by using the public key of the banking node where the importer is located, the Oracle node invokes the credit condition of the importer node through the third party credit agency node, and uploads the Hash signature of the credit condition report of the importer node by using the private key of the importer node to the blockchain, and notifies the banking node where the importer is located.

Further, the step S4 includes the steps of:

step S41: the overseas payment-making node pays the payment to the export node in a specified time according to the agreement clause, and uploads the payment certificate to the blockchain after being signed by a private key Hash of the payment certificate and performs whole network broadcasting;

step S42: after receiving the payment, the exporter node verifies the signature by using the public key of the overseas payment-substituting node, and after confirming that the payment is paid by the overseas payment-substituting node and the payment is accurate, the exporter node uses the private key to carry out Hash signature confirmation.

Further, the step S5 includes the steps of:

step S51: the export node deploys a freight contract on the blockchain, carries out Hash signature by using a private key of the export node, and then sends the freight contract to a third party logistics node, and after the third party logistics node verifies the signature of the export node and confirms that the contract content is correct, carries out Hash signature confirmation by using the private key of the export node;

step S52: the export business node applies for checking goods to the export business check office node, and the export business check office node checks the goods to be qualified, then issues a qualified certificate, carries out Hash signature and uploads the certificate to the blockchain;

step S53: after the exporter node negotiates with the exporter insurance company node under the line to determine specific insurance matters, the exporter insurance company node generates an insurance policy and carries out Hash signature and then uploads the insurance policy to the blockchain, and the exporter node verifies the signature and confirms that the content is correct and then carries out Hash signature confirmation on the insurance policy;

step S54: the exporter node uploads the complete customs clearance bill to the blockchain and applies for clearance to the exporter customs node, and the exporter customs node issues a release notice and uploads the release notice to the blockchain after the export customs node performs field audit and verification success;

step S55: the export commodity circulation node transfers the goods to a third party commodity circulation node, and the third party commodity circulation node generates a bill of lading after receiving the goods and uploads the bill of lading to the blockchain after carrying out Hash signature;

step S56: and the third party logistics node conveys the goods to a gateway designated by the importer node, generates the goods arrival information, carries out Hash signature, uploads the goods to the blockchain, and notifies the importer node.

Further, the step S6 includes the steps of:

step S61: the importer node obtains the use right of the bill, extracts the goods, applies for inspection to the importer business inspection office node, and after the importer business inspection office node inspects that the goods are qualified, issues a qualified certificate and carries out Hash signature, and then uploads the certificate to the blockchain;

step S62: the importer node uploads the complete set of customs clearance documents to the blockchain, applies clearance to the importer customs clearance node, opens a release notice and performs Hash signature after the importer customs clearance node is subjected to field verification and inspection;

step S63: and the third party logistics node conveys the goods to the importer node, and the importer node uploads the logistics bill to the blockchain after carrying out Hash signature on the logistics bill after confirming that the goods are correct.

Further, the step S7 includes the steps of:

step S71: the importer node pays the payment to the banking node where the importer is located in the appointed time according to the agreement clause, and uploads the payment certificate to the blockchain after carrying out Hash signature on the payment certificate, and the importer node obtains ownership of all commodities;

step S72: and the bank node at the place of the importer pays the payment to the overseas payment node in a specified time according to the agreement clause, and uploads the payment certificate to the blockchain after carrying out Hash signature.

The present application also provides a computer readable storage medium storing a computer program for blockchain-based overseas payment, which when run on a computer performs the blockchain-based method of import overseas payment as described above.

The application has the following beneficial effects:

according to the method for carrying out import overseas payment based on the blockchain, the blockchain is used for completely publishing the information on the whole industrial chain on the chain, and repeated confirmation of the nodes in multiple directions is carried out, so that the true transparency of the information is improved, the risk of banks due to credit and debit problems is reduced, meanwhile, the risk of foreign liabilities is conveniently and systematically measured, the trust degree among participating subjects is deepened, and the transaction security is high. In addition, through the combination of the blockchain and the intelligent contract technology, the transmission and auditing processes of the credit card and the bill are simplified, and the manpower, material resources, financial resources and time cost are saved, so that the whole financing process is quicker, safer and more intelligent, and the problem of bill counterfeiting and loss can be prevented. In addition, the related information in the goods circulation process is uploaded to the blockchain after being signed by the related nodes, so that the circulation process of the goods is effectively monitored by each party node, and the situation that the goods carried by importer is privately escaped is avoided.

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 schematic diagram of a service structure of an import collection mode in an existing import overseas payment.

FIG. 2 is a block chain network deployment diagram of a method for import overseas payment based on a block chain in accordance with a preferred embodiment of the present application.

Fig. 3 is a schematic diagram of a business network of a method for import overseas payment based on blockchain in accordance with a preferred embodiment of the present application.

FIG. 4 is a flow chart of a method for import overseas payment based on blockchain in accordance with a preferred embodiment of the application.

Fig. 5 is a schematic flow chart of step S1 in fig. 4 according to a preferred embodiment of the present application.

Fig. 6 is a schematic sub-flow diagram of step S2 in fig. 4 in accordance with a preferred embodiment of the present application.

Fig. 7 is a schematic flow chart of step S3 in fig. 4 according to a preferred embodiment of the present application.

Fig. 8 is a schematic flow chart of step S32 in fig. 7 according to a preferred embodiment of the present application.

Fig. 9 is a schematic sub-flow chart of step S4 in fig. 4 according to a preferred embodiment of the present application.

Fig. 10 is a schematic flow chart of step S5 in fig. 4 according to a preferred embodiment of the present application.

Fig. 11 is a schematic flow chart of step S6 in fig. 4 according to a preferred embodiment of the present application.

Fig. 12 is a schematic flow chart of step S7 in fig. 4 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, as shown in fig. 2 and 3, the multi-party nodes involved in the blockchain network in the blockchain-based approach to import overseas payment are explained below.

1. Oracle node (prophetic machine): the platform for providing external information can allow the blockchain to be connected to any existing API, and can import, store and export information about network nodes on the blockchain, so that dynamic acquisition of the information is realized;

2. exporter node: a foreign trade company having authority to transact export business;

3. exporter business inspection bureau node: indicating a detecting mechanism for checking whether the commodity meets the export requirement or not;

4. exporter insurance company node: indicating the company that the consignor provides insurance service for goods transportation and the like;

5. export customs node: the customs of the mouth party is pointed out and is responsible for auditing and checking the mechanism of the goods issuing pass;

6. third party logistics node: the system is an operation business for 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 self business, so that the system can carry out independent accounting and independently bears the economic organization of civil responsibility;

7. importer business inspection bureau node: the finger inlet side is responsible for checking whether the commodity meets the detection mechanism of the import requirement;

8. importer customs node: the customs of the importer is responsible for auditing and checking the mechanism of issuing passes of the goods;

9. importer node: refers to an enterprise or business engaged in import commerce. They purchase goods from abroad and sell to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly, and transferred to other countries or regions;

10. third party credit bureau node: an intermediary legal person unit for providing enterprise and personal credit information inquiry, rating and inquiry services for enterprise and personal credit information users and independently operating according to approval of related laws and regulations and collecting enterprise and personal credit information;

11. overseas substitute payment node: instead of the domestic banking node paying the money to foreign exporter nodes, the domestic banking node can be provided with more benefits because of having more foreign currency deposit;

12. domestic banking node (importer's local banking node): the intermediate business functions to provide a communication platform for overseas payment nodes and importer nodes, and the importer nodes can obtain foreign exchange loans at more preferential prices and obtain difference profits by charging intermediate fees.

As shown in fig. 4, a preferred embodiment of the present application provides a method for overseas payment import based on blockchain, specifically, an import-collection method for overseas payment import, comprising the following steps:

In this embodiment, the method for performing import overseas payment based on the blockchain fully publishes the information on the whole industrial chain on the chain through the blockchain, improves the true transparency of the information through repeated confirmation of the multi-party nodes, reduces the risk of banks caused by credit worthiness problems, simultaneously facilitates systematic measurement of the risk of foreign bonds, deepens the trust degree between participating subjects, and has high transaction security. In addition, through the combination of the blockchain and the intelligent contract technology, the transmission and auditing processes of the credit card and the bill are simplified, and the manpower, material resources, financial resources and time cost are saved, so that the whole financing process is quicker, safer and more intelligent, and the problem of bill counterfeiting and loss can be prevented. In addition, the related information in the goods circulation process is uploaded to the blockchain after being signed by the related nodes, so that the circulation process of the goods is effectively monitored by each party node, and the situation that the goods carried by importer is privately escaped is avoided.

It will be appreciated that, as shown in fig. 5, the step S1 includes the steps of:

In the step S1, the trade contract is uploaded to the blockchain after being signed by the common Hash of the exporter node and the importer node, and the signing process of the contract is carried out on the blockchain, so that the processing process is quickened, the information is disclosed and transparent, the contract can be prevented from being tampered, and other party nodes can effectively monitor the authenticity of the trade conveniently.

It will be appreciated that, as shown in fig. 6, the step S2 includes the steps of:

In the step S2, the acceptance draft is confirmed by the common Hash signature of the node of the exporter and the node of the bank where the importer is located, so that the effectiveness and the authenticity of the acceptance draft are ensured, and the information is disclosed and transparent on the blockchain, thereby being convenient for effective supervision.

It will be appreciated that, as shown in fig. 7, the step S3 includes the steps of:

It may be understood that, as shown in fig. 8, preferably, the banking node of the importer' S place in step S32 evaluates the credit worthiness of the importer node by:

In the step S3, the assets and the credit conditions of the importer node are evaluated more scientifically, effectively and fairly by the big data and the artificial intelligence evaluation method of the third party credit agency node, which is favorable for comprehensively knowing the credit conditions of the importer node by the bank node, the exporter node and the overseas substitute payment node of the importer node, and leading the risk.

It will be appreciated that, as shown in fig. 9, the step S4 includes the steps of:

In the step S4, after the overseas payment-substituting node pays the payment to the exporter node in advance, the overseas payment-substituting node uploads the payment certificate Hash signature to the blockchain, and the exporter node also needs to perform Hash signature on the payment certificate after confirming that the payment is correct, so that the later supervision is facilitated.

It will be appreciated that, as shown in fig. 10, the step S5 includes the steps of:

In the step S5, information related to the export of the goods is signed by the related nodes and recorded on the blockchain, so that the export circulation process of the goods can be effectively supervised by the nodes of other parties.

It will be appreciated that, as shown in fig. 11, the step S6 includes the steps of:

In the step S6, the information related to the goods import is signed by the related nodes and recorded on the blockchain, so that the other nodes can effectively monitor the goods import process, and the condition that the importer node carries goods private escape violations can be prevented.

It will be appreciated that, as shown in fig. 12, the step S7 includes the steps of:

In the step S7, the payment settlement process is recorded on the blockchain, so as to prevent the repudiation of a certain node, and the payment settlement is convenient for performing later responsibility confirmation once a problem occurs.

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 off-shore payment import, which when run on a computer performs the blockchain-based off-shore payment import 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

1. A block chain-based method for import overseas payment is characterized in that,

the method comprises the following steps:

step S7: financing and settlement activities are carried out based on requests of importer nodes, and payment records of goods are uploaded to a blockchain after being signed by relevant node Hash;

the step S1 includes the steps of:

step S12: the exporter node verifies the abstract of the trade contract by using the public key of the importer node, and after determining that the trade contract is drawn by the importer node and the content of the trade contract is correct, the Hash signature is confirmed;

the step S2 includes the steps of:

step S22: after receiving the acceptance draft, the bank node of the importer location verifies the signature by using the public key of the exporter node, and after the acceptance draft is confirmed to be uploaded by the exporter node and the acceptance draft is confirmed to be correct, the private key of the importer is used for carrying out Hash signature confirmation on the acceptance draft and notifying the importer node of payment;

the step S3 includes the steps of:

step S35: the overseas payment service node verifies the signature by using the public key of the banking node of the importer, confirms that the overseas payment service application is submitted by the banking node of the importer and the content is correct, uses the private key to carry out Hash signature verification and feeds back to the banking node of the importer;

in the step S32, the banking node of the importer 'S place evaluates the credit worthiness of the importer' S node by the following steps:

step S322: after verifying that the signature is correct by the Oracle node by using the public key of the banking node where the importer is located, the Oracle node invokes the credit condition of the importer node through a third party credit agency node, and uploads a credit condition report of the importer node to the blockchain after Hash signing by using the private key of the importer node, and notifies the banking node where the importer is located;

the step S4 includes the steps of:

step S42: after receiving the payment, the exporter node verifies the signature by using the public key of the overseas payment-substituting node, and after confirming that the payment is paid by the overseas payment-substituting node and the payment is accurate, the exporter node uses the private key to carry out Hash signature confirmation;

the step S5 includes the steps of:

step S56: the third party logistics node conveys the goods to a gateway designated by the importer node, generates goods arrival information, carries out Hash signature, uploads the goods to the blockchain, and notifies the importer node;

the step S6 includes the steps of:

step S63: the third party logistics node conveys the goods to the importer node, and after confirming that the goods are correct, the importer node carries out Hash signature on the logistics bill and then uploads the logistics bill to the blockchain;

the step S7 includes the steps of:

2. A computer readable storage medium storing a computer program for blockchain-based overseas payment, the computer program executing the blockchain-based overseas payment method of claim 1 when run on a computer.