CN112258100A - Method and storage medium for alternative purchase logistics financing based on block chain - Google Patents
Method and storage medium for alternative purchase logistics financing based on block chain Download PDFInfo
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Abstract
The invention discloses a method for financing alternative procurement logistics based on a block chain and a computer readable storage medium. The invention firstly makes a chain by using a block chain technology, then chains each party node, and finally carries out transaction record and historical inquiry on the whole trading process by using the chain, so that the whole trading process is transparent, the safety and efficiency of the trading are improved, the trust degree between participating bodies is deepened, and the trust mechanism in the trading is reshaped. And by applying the technology of combining the block chain and the intelligent contract, the process of transmitting and checking the document is simplified, the labor, material resources, financial resources and time cost are saved, the possibility of default and fraud of both purchasing and selling parties is reduced, the trust and risk problems in payment and delivery are solved, the trust degree of both trading parties is improved, the risk born by the logistics company is reduced, the credit of the logistics company is protected, the fund occupation is reduced, the cash flow is improved, and the whole financing process is quicker, safer and more intelligent.
Description
Technical Field
The present invention relates to the field of logistics financing technologies, and in particular, to a method for instead-purchasing logistics financing based on a block chain and a computer-readable storage medium.
Background
The alternative purchase is that the logistics company (third party) signs a purchase and sale contract and a logistics service contract with the supplier according to the requirements and instructions of the buyer (borrowing enterprise) (the supplier in the contract should unconditionally undertake the obligation of buyback), and issues a commercial acceptance bill to the supplier, and the logistics company is simultaneously responsible for goods transportation, storage and auction change and assists the buyer to carry out goods circulation and sale. As shown in fig. 1, the logistics company generally performs alternative purchasing for the purchasing side in the following mode: the logistics company purchases goods according to the demand of the borrowing enterprise, obtains commodity ownership and pays partial or all of the goods money deducting logistics cost; the borrowing enterprise submits a deposit to the logistics company, and the logistics company releases goods according to the deposit proportion; the logistics company and the supplier settle the payment.
However, the current alternative procurement method has the following problems:
1. credit risk of both buying and selling parties: in the traditional alternative purchasing activity, credit risk and operation risk can exist between two parties respectively or the two parties of purchase and sale are in combined fraud, trust and risk problems exist in payment and delivery, and the risk of trade is increased.
2. Logistics company credit risk: the traditional logistics financing method uses the credit of the logistics company, and once the two parties of purchase and sale do not perform or are in joint fraud and the like, the logistics company is in a weak position and losses are brought to the capital and the credit of the logistics company.
3. The purchase and sale contract involves the opening and verification of a large number of paper documents, so that the counterfeiting and tampering conditions are easy to happen; and the paper document is usually sent by mail in the transmission process, so that resources are wasted and the purchasing activity efficiency is greatly reduced.
Disclosure of Invention
The invention provides a method for carrying out alternative procurement logistics financing based on a block chain and a computer readable storage medium, which aim to solve the technical problems of high credit risk of purchasing and selling parties, high credit risk of logistics companies and low procurement efficiency in the conventional alternative procurement mode.
According to one aspect of the present invention, there is provided a method for financing alternative procurement logistics based on a blockchain, comprising the steps of:
step S1: the buyer node and the supplier node sign trade contract on the block chain after confirming the credit worthiness of both parties;
step S2: the purchasing side node initiates a substitute purchasing application on the block chain, and the logistics financing node signs a substitute purchasing contract on the block chain with the purchasing side node and the material supply side node after the audit is passed;
step S3: the supplier node carries out delivery and transportation activities, and relevant information in the process of cargo transportation is uploaded to the block chain after being confirmed by the Hash signature of the associated node;
step S4: after the goods are transported out, the goods supplier node sends out a solicitation notice to the payment meeting line node, and the payment meeting line node pays partial goods money to the goods supplier node after related information in the goods transportation process on the audit block chain is correct;
step S5: the payment company node sends a compensation notice to the payment company node, the payment company node transfers remittance to the payment company node after confirming that the remittance is correct, the logistics financing node deploys a bill of lading on the block chain and confirms the Hash signature, and the supplier node verifies that the bill of lading is correct and then confirms the Hash signature;
step S6: the purchasing side node sends a goods-drawing notice to the logistics financing node on the block chain, the payment bank node transfers the deposit submitted by the purchasing side node to the logistics financing node, and the logistics financing node releases goods according to the amount of the deposit in proportion;
step S7: the purchasing side node carries out goods taking and transporting activities, and relevant information in the goods transporting process is uploaded to the block chain after being confirmed by the Hash signature of the associated node;
step S8: and the logistics financing node receives the residual goods money, pays the residual goods money to the supplier node and sends a notice of the settled goods money to the supplier node.
Further, the step S1 specifically includes the following steps:
step S11: the buyer node sends a request to the third-party credit worthiness organization node to evaluate the operation condition and credit investigation condition of the supplier node, and the third-party credit worthiness organization node generates a credit worthiness condition table about the supplier node, records the Hash signature to the block chain after carrying out Hash signature confirmation and sends the Hash signature to the buyer node;
step S12: after confirming that the credit information condition table is correct, the buyer node deploys an intention of collaboration on the blockchain, and sends the intention of collaboration to the supplier node after Hash signature confirmation;
step S13: the third party credit worthiness organization node generates a credit worthiness table about the purchasing side node, records the Hash signature to the block chain after the Hash signature confirmation, and transmits the Hash signature to the supplier node;
step S14: after confirming that the supply side node meets the requirement, verifying the signature of the purchasing side node on the cooperation intention, and after verifying that the signature is correct, carrying out Hash signature confirmation;
step S15: the purchasing side node deploys a trade contract on the block chain, and sends the trade contract to the supplier node after Hash signature confirmation;
step S16: and the supplier node verifies the signature of the buyer node on the trade contract and confirms the Hash signature after confirming that the content of the trade contract is correct.
Further, the step S2 includes the following steps:
step S21: the purchasing side node deploys a substitute purchasing application form on the block chain within the time specified by the contract, sends the substitute purchasing application form to the logistics financing node after Hash signature confirmation is carried out, and uploads a file which needs to be checked for substitute purchasing to the block chain;
step S22: after receiving the request, the logistics financing node verifies the purchasing qualification and repayment capacity of the purchasing party node according to the verification file uploaded by the purchasing party node;
step S23: the logistics financing node sends a request to the Oracle node to check the related information of the purchasing party node outside the chain, and the Oracle node generates a qualification condition table about the purchasing party node, sends the qualification condition table to the logistics financing node and records the qualification condition table to the block chain;
step S24: after the logistics financing node evaluates the purchasing side node, determining whether the purchasing side node transacts alternative purchasing service for the same reason, if yes, generating a refusal notice, sending the refusal notice to the purchasing side node and recording the refusal notice to the block chain, if yes, generating an agreeing notice, sending the agreeing notice to the purchasing side node and recording the agreeing notice to the block chain, and performing Hash signature confirmation on an alternative purchasing application table;
step S25: the logistics financing node deploys a substitute purchase service trust agreement on the block chain, sends the agreement to the purchasing node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the purchasing node verifies that the signature is correct;
step S26: the logistics financing node deploys the alternative purchasing contract on the block chain according to the alternative purchasing application and the trade contract, and records the alternative purchasing contract on the block chain after Hash signature confirmation is carried out;
step S27: the logistics financing node sends the alternative purchasing contract to the notification node, the notification node verifies that the signature is correct and then conducts Hash signature confirmation, the notification node sends the alternative purchasing contract to the purchasing side node, the purchasing side node verifies that the signature is correct and then conducts Hash signature confirmation, the purchasing side node sends the alternative purchasing contract to the supply side node, and the supply side node compares and checks the alternative purchasing contract and the trade contract and conducts Hash signature confirmation after confirming that the signature is correct.
Further, the step S3 specifically includes the following steps:
step S31: after goods are prepared by a goods supply side node, a shipment file is generated, Hash signature confirmation is carried out, then the shipment file is recorded on a block chain, a purchasing side node is informed, and the Hash signature confirmation is carried out after the purchasing side node checks the fact that the goods are correct;
step S32: the supplier node deploys a commodity inspection application form on the block chain, and sends the commodity inspection application form to the supplier commodity inspection office node after Hash signature confirmation and records the commodity inspection application form on the block chain;
step S33: after the supplier commodity inspection bureau node confirms that the commodity inspection is qualified, signing and confirming on the commodity inspection application table, issuing a commodity inspection qualified certificate, signing, recording the commodity inspection qualified certificate on the block chain, informing the supplier node, and signing and confirming after the supplier node checks the commodity inspection qualified certificate;
step S34: after negotiation with a supplier insurance company node, the supplier insurance company node insures the goods, generates a insurance policy according to the quantity and quality of the goods, records the insurance policy on a block chain after signature confirmation and transmits the insurance policy to the supplier node, and after the supplier node checks the insurance policy, the supplier node verifies the signature;
step S35: the supplier node deploys a consignment contract on the block chain, sends the consignment contract to the supplier logistics node after signature confirmation and records the consignment contract on the block chain, and the supplier logistics node checks the signature and then conducts Hash signature confirmation.
Further, the step S4 specifically includes the following steps:
step S41: after the goods are shipped out, the goods supplier node sends out a solicited note notification to the paying counter node, the paying counter node examines and verifies the shipment file and the insurance policy on the chain, and transfers part of the payment to the goods supplier node after the consistence of the insurance policy is determined;
step S42: and the Oracle node uploads the transfer record of remittance from the payment line negotiation node to the supplier node to the block chain, and the supplier node receives part of money and then signs the transfer record for confirmation.
Further, the step S5 includes the following steps:
step S51: the payment advising sent by the payment agency node to the payment agency node, the payment agency node transfers the remittance to the payment agency node after confirming the receipt is correct,
step S52: the Oracle node uploads a transfer record of remittance from the payment bank node to the block chain, and the payment bank node receives payment and then signs a signature on the transfer record to confirm;
step S53: after receiving the goods, the logistics financing node deploys the bill of lading on the block chain, sends the bill of lading to the supplier node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the supplier node verifies that the bill of lading is correct.
Further, the step S6 includes the following steps:
step S61: the purchasing side node sends a goods-taking notice to the logistics financing node and records the goods-taking notice on the block chain, and the payment bank node transfers the guarantee fund submitted by the purchasing side node to the logistics financing node;
step S62: the Oracle node uploads a transfer record of remittance from the payment bank node to the logistics financing node to the block chain, and the logistics financing node carries out signature confirmation after receiving the deposit;
step S63: the logistics financing node releases the goods according to the proportion of the deposit and generates a transportation order, records the goods on the block chain after Hash signature confirmation and informs the purchasing side node, and the purchasing side node verifies that the transportation order is correct and then signs and confirms.
Further, the step S7 includes the following steps:
step S71: the purchasing side node deploys a consignment contract on the block chain, sends the consignment contract to the purchasing side logistics node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the purchasing side logistics node checks that the signature is correct;
step S72: the purchasing side node deploys a commodity inspection application form on the block chain, and sends the commodity inspection application form to the purchasing side commodity inspection bureau node after signature confirmation;
step S73: after the buyer side commodity inspection bureau node confirms that the commodity is qualified, signing and confirming on the commodity inspection application table, issuing a commodity inspection qualified certificate, performing Hash signature confirmation, recording the commodity inspection qualified certificate on the block chain, informing the buyer side node, and performing signature confirmation after the buyer side node verifies that the signature on the commodity inspection qualified certificate is correct;
step S74: and the purchasing side node generates a bill of lading to perform signature confirmation, records the bill of lading on the block chain and sends the bill of lading to the logistics financing node, and the logistics financing node verifies the bill of lading without errors and then performs signature confirmation.
Further, the step S8 includes the following steps:
step S81: the purchasing side node sends a notice of ending the payment of the goods to the logistics financing node after the payment of the goods is completely paid;
step S82: the Oracle node uploads a transfer record of remittance from the purchasing node to the logistics financing node to the block chain, and the logistics financing node confirms that the rest of the goods are received and then signs;
step S83: the logistics financing node pays the remaining goods money to the supplier node and sends a notice of clearing the goods money to the supplier node;
step S84: and the Oracle node uploads the transfer record of remittance from the logistics financing node to the supplier node to the block chain, and the supplier node signs and confirms after receiving the residual payment.
The present invention also provides a computer readable storage medium for storing a computer program for performing alternative procurement logistics financing based on a blockchain, wherein the computer program executes the steps of the method for performing alternative procurement logistics financing based on a blockchain as described above when the computer program runs on a computer.
The invention has the following effects:
the block chain technology is utilized to completely publish all information in the whole alternative purchasing process on the chain, and through a consensus mechanism and repeated confirmation of a plurality of key nodes, the real transparency and the whole integrity of the information are improved, the information cannot be forged and tampered, and the credit risk of a logistics company caused by the credit problems of purchasing and selling parties of the logistics company is reduced. In addition, the blockchain also provides an automatic transaction processing system of the distributed accounting and intelligent contract script technology, so that the processes of examining, making, telegraph, mailing and the like of a large amount of manpower and time occupied in the traditional settlement process are replaced, and the trade efficiency is greatly improved. In addition, in the traditional mode, different entities respectively store respective information, each system has an information isolated island, and the transparency of the information is seriously insufficient, so that high time cost and money cost are caused, once problems (behaviors such as default, fraud and the like) occur in the purchasing and selling parties, the tracing and the processing are difficult, and at the moment, the logistics company faces the risk of fund and credit. The invention firstly makes a chain by using a block chain technology, namely, each important participating node forms a alliance chain; then, chaining, namely, all the transaction information of the participating main bodies are chained, so that the whole transaction process is transparent, the security and the efficiency of the transaction are improved, meanwhile, the trust degree among the participating main bodies can be deepened, and a trust mechanism in the trade is remodeled; and finally, the whole trading process is conveniently subjected to transaction recording and historical inquiry by using a chain. By applying the technology of combining the block chain and the intelligent contract, the process of transmitting and checking the document is simplified, the cost of manpower, material resources, financial resources and time is saved, and a plurality of fussy processes in the middle of trade are simplified; the default and the fraud possibility of both the purchasing and the selling parties are reduced, the trust and the risk problems on payment and delivery are solved, and the trust degree of both the transaction parties is improved; the risk born by the logistics company is reduced, and the credit of the logistics company is protected; the capital occupation is reduced; the cash flow is improved, so that the whole financing process is quicker, safer and more intelligent.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic diagram of a conventional alternative purchasing service structure.
Fig. 2 is a block chain network deployment diagram of a method for alternative purchase logistics financing based on block chains according to a preferred embodiment of the invention.
Fig. 3 is a schematic view of a service network of a method for alternative purchase logistics financing based on a block chain according to a preferred embodiment of the present invention.
Fig. 4 is a flow chart illustrating a method for alternative purchase logistics financing based on blockchain in accordance with a preferred embodiment of the present invention.
Fig. 5 is a sub-flowchart of step S1 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 6 is a sub-flowchart of step S2 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 7 is a sub-flowchart of step S3 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 8 is a sub-flowchart of step S4 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 9 is a sub-flowchart of step S5 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 10 is a sub-flowchart of step S6 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 11 is a sub-flowchart of step S7 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 12 is a sub-flowchart of step S8 in fig. 4 according to the preferred embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
As shown in fig. 2 and fig. 3, the blockchain network of the present invention is constructed based on the Kafka architecture, and for the convenience of understanding, the following explains the multi-party nodes involved in the blockchain network in the method for performing alternative purchase logistics financing based on blockchain.
1. Oracle node (prophetic machine): a platform for providing external information, which can allow the block chain to be connected to any existing API, and can import, store and export information related to network nodes on the block chain, thereby realizing dynamic acquisition of the information;
2. buyer (applicant) node: the applicant (application) refers to a party that requires the handling of alternative purchases. In the purchase logistics, the buyer is usually used to apply for alternative purchases from the logistics company according to the payment conditions established by the trade contract.
3. Logistics financing node: the logistics company (logistics company) refers to a party that should be requested by the applicant or represents the alternative purchasing itself, and is usually a partner of the purchasing party, and has a first payment responsibility in the alternative purchasing activity, so that the logistics company plays the most important role in the alternative purchasing transaction.
4. And (3) a payment bank node: it is the payment bank designated on the purchase and sale contract. The paying bank (paying bank) is usually the receiver of draft, so called the drawout bank, and is generally a bank designated by the logistics company and determined according to the provision of the terms of the buying and selling contract.
5. Supplier (beneficiary) node: the beneficiary (eficiax) refers to the party who receives the commercial draft and enjoys the benefits of the commercial draft, and is generally referred to as a beneficiary, who is mostly a seller or supplier, who has the right to use or enjoy the benefits of the commercial draft.
6. The notification row node: the advising bank refers to the bank which can inform the supplier node of the commercial draft according to the requirement of the payer node, the commercial draft can be mailed to the supplier node directly by the payer node, but the bank verifies the authenticity of the commercial draft to protect the rights and interests of the supplier node. Therefore, most commercial drafts are notified by the notification bank node.
7. And (3) a pay line node: a payment agreement refers to the act of a payment party (negotiating bank) to prepay or agree to prepay on or before the day of work on which payment should be made to purchase money orders and/or documents under a consistent delivery order. Additionally, the money order payor must be a bank, but cannot be made to act as a payer in an agreed upon manner.
8. A third party credit worthiness institution node: the system refers to a mediation legal person unit which is approved and established according to related laws and regulations, collects enterprise and personal credit information, provides enterprise and personal credit information inquiry, rating and inquiry services for enterprise and personal credit information users and operates independently.
9. Supplier insurance company node: refers to a company that provides insurance services for the shipper for goods, etc.
10. Supplier merchant bureau node: and the goods supplier is responsible for auditing whether the goods meet the supply requirement.
11. Supplier logistics node: the system is characterized in that a supplier at least engages in one operation business of transportation (including transport agency and goods express delivery) or storage, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of customers, has an information management system adaptive to own business, and implements economic organization for independently accounting and independently bearing civil responsibility.
12. Buyer's business inspection bureau node: the system refers to a detection mechanism for verifying whether the goods meet the purchasing requirement or not by a purchasing party.
13. Purchasing party logistics node: the system is an economic organization which is characterized in that a purchasing party at least engages in one operation business of transportation (including transport 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, has an information management system adaptive to own business, and implements independent accounting and independently undertakes civil responsibility.
As shown in fig. 4, a preferred embodiment of the present invention provides a method for alternative procurement logistics financing based on a blockchain, comprising the steps of:
step S1: the buyer node and the supplier node sign trade contract on the block chain after confirming the credit worthiness of both parties;
step S2: the purchasing side node initiates a substitute purchasing application on the block chain, and the logistics financing node signs a substitute purchasing contract on the block chain with the purchasing side node and the material supply side node after the audit is passed;
step S3: the supplier node carries out delivery and transportation activities, and relevant information in the process of cargo transportation is uploaded to the block chain after being confirmed by the Hash signature of the associated node;
step S4: after the goods are transported out, the goods supplier node sends out a solicitation notice to the payment meeting line node, and the payment meeting line node pays partial goods money to the goods supplier node after related information in the goods transportation process on the audit block chain is correct;
step S5: the payment company node sends a compensation notice to the payment company node, the payment company node transfers remittance to the payment company node after confirming that the remittance is correct, the logistics financing node deploys a bill of lading on the block chain and confirms the Hash signature, and the supplier node verifies that the bill of lading is correct and then confirms the Hash signature;
step S6: the purchasing side node sends a goods-drawing notice to the logistics financing node on the block chain, the payment bank node transfers the deposit submitted by the purchasing side node to the logistics financing node, and the logistics financing node releases goods according to the amount of the deposit in proportion;
step S7: the purchasing side node carries out goods taking and transporting activities, and relevant information in the goods transporting process is uploaded to the block chain after being confirmed by the Hash signature of the associated node;
step S8: and the logistics financing node receives the residual goods money, pays the residual goods money to the supplier node and sends a notice of the settled goods money to the supplier node.
It can be understood that, in the method for performing procurement-by-replacement logistics financing based on the blockchain according to the embodiment, the blockchain technology is utilized to completely publish all information in the whole procurement-by-replacement process on the chain, 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 information is guaranteed to be unforgeable and untrustable, and the logistics company credit risk caused by the credit question of both purchasing and selling parties is reduced. In addition, the blockchain also provides an automatic transaction processing system of the distributed accounting and intelligent contract script technology, so that the processes of examining, making, telegraph, mailing and the like of a large amount of manpower and time occupied in the traditional settlement process are replaced, and the trade efficiency is greatly improved. In addition, in the traditional mode, different entities respectively store respective information, each system has an information isolated island, and the transparency of the information is seriously insufficient, so that high time cost and money cost are caused, once problems (behaviors such as default, fraud and the like) occur in the purchasing and selling parties, the tracing and the processing are difficult, and at the moment, the logistics company faces the risk of fund and credit. The invention firstly makes a chain by using a block chain technology, namely, each important participating node forms a alliance chain; then, chaining, namely, all the transaction information of the participating main bodies are chained, so that the whole transaction process is transparent, the security and the efficiency of the transaction are improved, meanwhile, the trust degree among the participating main bodies can be deepened, and a trust mechanism in the trade is remodeled; and finally, the whole trading process is conveniently subjected to transaction recording and historical inquiry by using a chain. By applying the technology of combining the block chain and the intelligent contract, the process of transmitting and checking the document is simplified, the cost of manpower, material resources, financial resources and time is saved, and a plurality of fussy processes in the middle of trade are simplified; the default and the fraud possibility of both the purchasing and the selling parties are reduced, the trust and the risk problems on payment and delivery are solved, and the trust degree of both the transaction parties is improved; the risk born by the logistics company is reduced, and the credit of the logistics company is protected; the capital occupation is reduced; the cash flow is improved, so that the whole financing process is quicker, safer and more intelligent.
In addition, it is understood that the blockchain system of the present invention includes four major parts: the system comprises a block chain subsystem, an identity authentication subsystem, an intelligent contract subsystem and a black and white list mechanism subsystem, wherein the block chain subsystem is used for storing transaction data in a transaction process, ensuring that the data cannot be tampered, providing trustable data and being capable of inquiring and tracing the transaction data; the identity authentication subsystem is used for uniquely identifying the identity of each participating node by using technologies such as asymmetric encryption, hash algorithm and the like, verifying the participating party of each transaction, ensuring that the document cannot be counterfeited and ensuring the data security and privacy; the intelligent contract subsystem is used for realizing the automatic execution of the whole transaction process, and when a transaction triggering condition is met, the system automatically executes the next step, so that a lot of manual operations are saved, and the rule can be ensured to be executed in a determined manner; and the black-and-white list mechanism system is used for restricting default behaviors of the purchasing and selling parties, and recording the default behaviors to the chain once the default conditions occur, so that the trust degrees of the purchasing and selling parties are improved, and the credit of the logistics financing node is protected.
It can be understood that, as shown in fig. 5, the step S1 specifically includes the following steps:
step S11: the buyer node sends a request to the third-party credit worthiness organization node to evaluate the operation condition and credit investigation condition of the supplier node, and the third-party credit worthiness organization node generates a credit worthiness condition table about the supplier node, records the Hash signature to the block chain after carrying out Hash signature confirmation and sends the Hash signature to the buyer node;
step S12: after confirming that the credit information condition table is correct, the buyer node deploys an intention of collaboration on the blockchain, and sends the intention of collaboration to the supplier node after Hash signature confirmation;
step S13: the third party credit worthiness organization node generates a credit worthiness table about the purchasing side node, records the Hash signature to the block chain after the Hash signature confirmation, and transmits the Hash signature to the supplier node;
step S14: after confirming that the supply side node meets the requirement, verifying the signature of the purchasing side node on the cooperation intention, and after verifying that the signature is correct, carrying out Hash signature confirmation;
step S15: the purchasing side node deploys a trade contract on the block chain, and sends the trade contract to the supplier node after Hash signature confirmation;
step S16: and the supplier node verifies the signature of the buyer node on the trade contract and confirms the Hash signature after confirming that the content of the trade contract is correct.
It can be understood that, in the step S1, the purchasing node and the supplier node may obtain the operation condition and the credit investigation condition of the other party from the third party credit worthiness institution node based on the block chain, so that the respective credit worthiness conditions of the two parties can be accurately evaluated, the credit risk of the purchasing and selling parties is reduced, and all relevant data in the stage of signing a trade contract are recorded on the chain after being digitally signed by the associated node, so that the authenticity and the reliability are good, and the later-stage tracing is facilitated.
It is understood that, as shown in fig. 6, the step S2 includes the following steps:
step S21: the method comprises the steps that a buyer node deploys a substitute purchase application form on a block chain within the time specified by a contract, sends the substitute purchase application form to a logistics financing node after Hash signature confirmation is carried out, and simultaneously uploads a file to be checked for substitute purchase to the block chain, wherein the file to be checked comprises a company chapter, a financial statement and the same trade contract;
step S22: after receiving the request, the logistics financing node verifies the purchasing qualification and repayment capacity of the purchasing party node according to the verification file uploaded by the purchasing party node;
step S23: the logistics financing node sends a request to the Oracle node to check the related information of the purchasing node outside the chain, such as tax payment, loan condition, credit level and the like, and the Oracle node generates a qualification condition table about the purchasing node, sends the qualification condition table to the logistics financing node and records the qualification condition table to the block chain;
step S24: after the logistics financing node evaluates the purchasing side node, determining whether the purchasing side node transacts alternative purchasing service for the same reason, if yes, generating a refusal notice, sending the refusal notice to the purchasing side node and recording the refusal notice to the block chain, if yes, generating an agreeing notice, sending the agreeing notice to the purchasing side node and recording the agreeing notice to the block chain, and performing Hash signature confirmation on an alternative purchasing application table;
step S25: the logistics financing node deploys a substitute purchase service trust agreement on the block chain, sends the agreement to the purchasing node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the purchasing node verifies that the signature is correct;
step S26: the logistics financing node deploys the alternative purchasing contract on the block chain according to the alternative purchasing application and the trade contract, and records the alternative purchasing contract on the block chain after Hash signature confirmation is carried out;
step S27: the logistics financing node sends the alternative purchasing contract to the notification node, the notification node verifies that the signature is correct and then conducts Hash signature confirmation, the notification node sends the alternative purchasing contract to the purchasing side node, the purchasing side node verifies that the signature is correct and then conducts Hash signature confirmation, the purchasing side node sends the alternative purchasing contract to the supply side node, and the supply side node compares and checks the alternative purchasing contract and the trade contract and conducts Hash signature confirmation after confirming that the signature is correct.
It can be understood that in step S2, the logistics financing node can accurately evaluate the purchasing qualification and repayment capability of the purchasing node based on the material submitted by the purchasing node and other information outside the chain of the purchasing node uploaded by the Oracle node, further reducing the financing risk of the logistics financing node, and uploading to the block chain after signature confirmation by the associated node instead of the related information in the purchasing contract signing process, which is convenient for later-stage tracing.
It can be understood that, as shown in fig. 7, the step S3 specifically includes the following steps:
step S31: the goods supplier node generates a shipment file after preparing goods, records the shipment file on a block chain after Hash signature confirmation and informs a buyer node, and the buyer node checks the shipment file without errors and then performs Hash signature confirmation, wherein the shipment file comprises a shipment contract, a shipment commercial invoice, a packing bill and the like;
step S32: the supplier node deploys a commodity inspection application form on the block chain, and sends the commodity inspection application form to the supplier commodity inspection office node after Hash signature confirmation and records the commodity inspection application form on the block chain;
step S33: after the supplier commodity inspection bureau node confirms that the commodity inspection is qualified, signing and confirming on the commodity inspection application table, issuing a commodity inspection qualified certificate, signing, recording the commodity inspection qualified certificate on the block chain, informing the supplier node, and signing and confirming after the supplier node checks the commodity inspection qualified certificate;
step S34: after negotiation with a supplier insurance company node, the supplier insurance company node insures the goods, generates a insurance policy according to the quantity and quality of the goods, records the insurance policy on a block chain after signature confirmation and transmits the insurance policy to the supplier node, and after the supplier node checks the insurance policy, the supplier node verifies the signature;
step S35: the supplier node deploys a consignment contract on the block chain, sends the consignment contract to the supplier logistics node after signature confirmation and records the consignment contract on the block chain, and the supplier logistics node checks the signature and then conducts Hash signature confirmation.
It can be understood that, in step S3, the related information related to the entire shipment and transportation process of the supplier node is uploaded to the block chain through the related node, and the entire shipment and transportation process is transparent and public on the block chain, so that each party node, especially the logistics financing node, can effectively supervise the shipment and transportation process, thereby ensuring traceability of information, preventing the counterfeiting of shipment information, and further reducing the risk of the logistics financing node.
It can be understood that, as shown in fig. 8, the step S4 specifically includes the following steps:
step S41: after the goods are transported, the goods supplier node sends out a solicitation notice to the bargaining and paying node, the bargaining and paying node examines and verifies the shipment file and the insurance policy on the chain, and transfers part of the goods money to the goods supplier node after determining that the policies are consistent, wherein 50% of the goods money is generally paid in the solicitation stage;
step S42: and the Oracle node uploads the transfer record of remittance from the payment line negotiation node to the supplier node to the block chain, and the supplier node receives part of money and then signs the transfer record for confirmation.
It can be understood that in the step S4, the solicitation process is transparent on the block chain, so that each party node, especially the logistics financing node, can effectively supervise the process of paying to the supplier node, and the associated nodes all need to sign and confirm the accounting records, thereby ensuring traceability of the payment process.
It is understood that, as shown in fig. 9, the step S5 includes the following steps:
step S51: the payment approving bank node sends a payment requesting notice to the payment bank node, and the payment bank node transfers remittance to the payment approving bank node after confirming that the receipt is correct;
step S52: the Oracle node uploads a transfer record of remittance from the payment bank node to the block chain, and the payment bank node receives payment and then signs a signature on the transfer record to confirm;
step S53: after receiving the goods, the logistics financing node deploys the bill of lading on the block chain, sends the bill of lading to the supplier node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the supplier node verifies that the bill of lading is correct.
It can be understood that in the step S5, the solicitation process is transparent on the block chain, so that each party node, especially the logistics financing node, can effectively supervise the process of paying to the bargaining node, and the associated nodes all need to sign and confirm the transfer records and the bills of lading, thereby ensuring the traceability of the payment process.
It is understood that, as shown in fig. 10, the step S6 includes the following steps:
step S61: the purchasing side node sends a goods-taking notice to the logistics financing node and records the goods-taking notice on the block chain, and the payment bank node transfers the guarantee fund submitted by the purchasing side node to the logistics financing node;
step S62: the Oracle node uploads a transfer record of remittance from the payment bank node to the logistics financing node to the block chain, and the logistics financing node carries out signature confirmation after receiving the deposit;
step S63: the logistics financing node releases the goods according to the proportion of the deposit and generates a transportation order, records the goods on the block chain after Hash signature confirmation and informs the purchasing side node, and the purchasing side node verifies that the transportation order is correct and then signs and confirms.
It can be understood that, in the step S6, the payment redemption process is transparently disclosed on the block chain, so as to ensure traceability of the transaction process, and before the buyer node makes a payment, the deposit is stored at the payment bank node, so that the deposit has public trust, so as to reduce credit risks of both the buyer node and the logistics financing node, and establish a new trust mechanism, and after the buyer node makes a payment, the logistics financing node releases goods in proportion according to the deposit amount remitted by the payment bank node, so as to ensure the benefit of the logistics financing node, and further reduce the financing risk of the logistics financing node.
It is understood that, as shown in fig. 11, the step S7 includes the following steps:
step S71: the purchasing side node deploys a consignment contract on the block chain, sends the consignment contract to the purchasing side logistics node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the purchasing side logistics node checks that the signature is correct;
step S72: the purchasing side node deploys a commodity inspection application form on the block chain, and sends the commodity inspection application form to the purchasing side commodity inspection bureau node after signature confirmation;
step S73: after the buyer side commodity inspection bureau node confirms that the commodity is qualified, signing and confirming on the commodity inspection application table, issuing a commodity inspection qualified certificate, performing Hash signature confirmation, recording the commodity inspection qualified certificate on the block chain, informing the buyer side node, and performing signature confirmation after the buyer side node verifies that the signature on the commodity inspection qualified certificate is correct;
step S74: and the purchasing side node generates a bill of lading to perform signature confirmation, records the bill of lading on the block chain and sends the bill of lading to the logistics financing node, and the logistics financing node verifies the bill of lading without errors and then performs signature confirmation.
It can be understood that, in step S7, the related information related to the whole goods picking and transporting process of the purchasing side node is uploaded to the block chain through the related node, and the whole goods picking and transporting process is publicly and transparently performed on the block chain, so that each side node, especially the logistics financing node, can effectively supervise the goods picking and transporting process, thereby ensuring the traceability of the information and further reducing the financing risk of the logistics financing node.
It is understood that, as shown in fig. 12, the step S8 includes the following steps:
step S81: the purchasing side node sends a notice of ending the payment of the goods to the logistics financing node after the payment of the goods is completely paid;
step S82: the Oracle node uploads a transfer record of remittance from the purchasing node to the logistics financing node to the block chain, and the logistics financing node confirms that the rest of the goods are received and then signs;
step S83: the logistics financing node pays the remaining goods money to the supplier node and sends a notice of clearing the goods money to the supplier node;
step S84: and the Oracle node uploads the transfer record of remittance from the logistics financing node to the supplier node to the block chain, and the supplier node signs and confirms after receiving the residual payment.
It is understood that, in the step S8, after the buyer node pays the remaining goods, the logistics financing node should also release the remaining goods to the buyer node, and the goods delivering process of the remaining goods is consistent with the above step S7. All payment activities need to be signed and confirmed by the associated nodes, authenticity and reliability of transaction activities are guaranteed, and a technical basis is provided for later-stage tracing.
In addition, it is understood that in other embodiments of the present invention, the method for alternative purchase logistics financing based on blockchain further comprises the following steps:
one party with default conditions in the trade process is pulled into a blacklist and recorded on a block chain, when the follow-up alternative purchasing activity is carried out, nodes of each party can acquire related information of the default party on the block chain, and due to the fact that a blacklist mechanism and a white list mechanism are set, the default behaviors of the two parties can be effectively restrained, the trust degree of the two parties for purchasing and selling is improved, and the financing risk of the logistics financing node is reduced.
In addition, the present invention also provides a computer readable storage medium for storing a computer program for alternative procurement logistics financing based on blockchain, wherein the computer program executes the steps of the method for alternative procurement logistics financing based on blockchain as described in the above preferred embodiment when the computer program runs on a computer.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method for alternative purchase logistics financing based on block chain is characterized in that,
the method comprises the following steps:
step S1: the buyer node and the supplier node sign trade contract on the block chain after confirming the credit worthiness of both parties;
step S2: the purchasing side node initiates a substitute purchasing application on the block chain, and the logistics financing node signs a substitute purchasing contract on the block chain with the purchasing side node and the material supply side node after the audit is passed;
step S3: the supplier node carries out delivery and transportation activities, and relevant information in the process of cargo transportation is uploaded to the block chain after being confirmed by the Hash signature of the associated node;
step S4: after the goods are transported out, the goods supplier node sends out a solicitation notice to the payment meeting line node, and the payment meeting line node pays partial goods money to the goods supplier node after related information in the goods transportation process on the audit block chain is correct;
step S5: the payment company node sends a compensation notice to the payment company node, the payment company node transfers remittance to the payment company node after confirming that the remittance is correct, the logistics financing node deploys a bill of lading on the block chain and confirms the Hash signature, and the supplier node verifies that the bill of lading is correct and then confirms the Hash signature;
step S6: the purchasing side node sends a goods-drawing notice to the logistics financing node on the block chain, the payment bank node transfers the deposit submitted by the purchasing side node to the logistics financing node, and the logistics financing node releases goods according to the amount of the deposit in proportion;
step S7: the purchasing side node carries out goods taking and transporting activities, and relevant information in the goods transporting process is uploaded to the block chain after being confirmed by the Hash signature of the associated node;
step S8: and the logistics financing node receives the residual goods money, pays the residual goods money to the supplier node and sends a notice of the settled goods money to the supplier node.
2. The method for alternative procurement logistics financing based on blockchain of claim 1,
the step S1 specifically includes the following steps:
step S11: the buyer node sends a request to the third-party credit worthiness organization node to evaluate the operation condition and credit investigation condition of the supplier node, and the third-party credit worthiness organization node generates a credit worthiness condition table about the supplier node, records the Hash signature to the block chain after carrying out Hash signature confirmation and sends the Hash signature to the buyer node;
step S12: after confirming that the credit information condition table is correct, the buyer node deploys an intention of collaboration on the blockchain, and sends the intention of collaboration to the supplier node after Hash signature confirmation;
step S13: the third party credit worthiness organization node generates a credit worthiness table about the purchasing side node, records the Hash signature to the block chain after the Hash signature confirmation, and transmits the Hash signature to the supplier node;
step S14: after confirming that the supply side node meets the requirement, verifying the signature of the purchasing side node on the cooperation intention, and after verifying that the signature is correct, carrying out Hash signature confirmation;
step S15: the purchasing side node deploys a trade contract on the block chain, and sends the trade contract to the supplier node after Hash signature confirmation;
step S16: and the supplier node verifies the signature of the buyer node on the trade contract and confirms the Hash signature after confirming that the content of the trade contract is correct.
3. The method for alternative procurement logistics financing based on blockchain of claim 1,
the step S2 includes the steps of:
step S21: the purchasing side node deploys a substitute purchasing application form on the block chain within the time specified by the contract, sends the substitute purchasing application form to the logistics financing node after Hash signature confirmation is carried out, and uploads a file which needs to be checked for substitute purchasing to the block chain;
step S22: after receiving the request, the logistics financing node verifies the purchasing qualification and repayment capacity of the purchasing party node according to the verification file uploaded by the purchasing party node;
step S23: the logistics financing node sends a request to the Oracle node to check the related information of the purchasing party node outside the chain, and the Oracle node generates a qualification condition table about the purchasing party node, sends the qualification condition table to the logistics financing node and records the qualification condition table to the block chain;
step S24: after the logistics financing node evaluates the purchasing side node, determining whether the purchasing side node transacts alternative purchasing service for the same reason, if yes, generating a refusal notice, sending the refusal notice to the purchasing side node and recording the refusal notice to the block chain, if yes, generating an agreeing notice, sending the agreeing notice to the purchasing side node and recording the agreeing notice to the block chain, and performing Hash signature confirmation on an alternative purchasing application table;
step S25: the logistics financing node deploys a substitute purchase service trust agreement on the block chain, sends the agreement to the purchasing node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the purchasing node verifies that the signature is correct;
step S26: the logistics financing node deploys the alternative purchasing contract on the block chain according to the alternative purchasing application and the trade contract, and records the alternative purchasing contract on the block chain after Hash signature confirmation is carried out;
step S27: the logistics financing node sends the alternative purchasing contract to the notification node, the notification node verifies that the signature is correct and then conducts Hash signature confirmation, the notification node sends the alternative purchasing contract to the purchasing side node, the purchasing side node verifies that the signature is correct and then conducts Hash signature confirmation, the purchasing side node sends the alternative purchasing contract to the supply side node, and the supply side node compares and checks the alternative purchasing contract and the trade contract and conducts Hash signature confirmation after confirming that the signature is correct.
4. The method for alternative procurement logistics financing based on blockchain of claim 1,
the step S3 specifically includes the following steps:
step S31: after goods are prepared by a goods supply side node, a shipment file is generated, Hash signature confirmation is carried out, then the shipment file is recorded on a block chain, a purchasing side node is informed, and the Hash signature confirmation is carried out after the purchasing side node checks the fact that the goods are correct;
step S32: the supplier node deploys a commodity inspection application form on the block chain, and sends the commodity inspection application form to the supplier commodity inspection office node after Hash signature confirmation and records the commodity inspection application form on the block chain;
step S33: after the supplier commodity inspection bureau node confirms that the commodity inspection is qualified, signing and confirming on the commodity inspection application table, issuing a commodity inspection qualified certificate, signing, recording the commodity inspection qualified certificate on the block chain, informing the supplier node, and signing and confirming after the supplier node checks the commodity inspection qualified certificate;
step S34: after negotiation with a supplier insurance company node, the supplier insurance company node insures the goods, generates a insurance policy according to the quantity and quality of the goods, records the insurance policy on a block chain after signature confirmation and transmits the insurance policy to the supplier node, and after the supplier node checks the insurance policy, the supplier node verifies the signature;
step S35: the supplier node deploys a consignment contract on the block chain, sends the consignment contract to the supplier logistics node after signature confirmation and records the consignment contract on the block chain, and the supplier logistics node checks the signature and then conducts Hash signature confirmation.
5. The method for alternative procurement logistics financing based on blockchain of claim 4,
the step S4 specifically includes the following steps:
step S41: after the goods are shipped out, the goods supplier node sends out a solicited note notification to the paying counter node, the paying counter node examines and verifies the shipment file and the insurance policy on the chain, and transfers part of the payment to the goods supplier node after the consistence of the insurance policy is determined;
step S42: and the Oracle node uploads the transfer record of remittance from the payment line negotiation node to the supplier node to the block chain, and the supplier node receives part of money and then signs the transfer record for confirmation.
6. The method for alternative procurement logistics financing based on blockchain of claim 5,
the step S5 includes the steps of:
step S51: the payment advising sent by the payment agency node to the payment agency node, the payment agency node transfers the remittance to the payment agency node after confirming the receipt is correct,
step S52: the Oracle node uploads a transfer record of remittance from the payment bank node to the block chain, and the payment bank node receives payment and then signs a signature on the transfer record to confirm;
step S53: after receiving the goods, the logistics financing node deploys the bill of lading on the block chain, sends the bill of lading to the supplier node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the supplier node verifies that the bill of lading is correct.
7. The method for alternative procurement logistics financing based on blockchain of claim 1,
the step S6 includes the steps of:
step S61: the purchasing side node sends a goods-taking notice to the logistics financing node and records the goods-taking notice on the block chain, and the payment bank node transfers the guarantee fund submitted by the purchasing side node to the logistics financing node;
step S62: the Oracle node uploads a transfer record of remittance from the payment bank node to the logistics financing node to the block chain, and the logistics financing node carries out signature confirmation after receiving the deposit;
step S63: the logistics financing node releases the goods according to the proportion of the deposit and generates a transportation order, records the goods on the block chain after Hash signature confirmation and informs the purchasing side node, and the purchasing side node verifies that the transportation order is correct and then signs and confirms.
8. The method for alternative procurement logistics financing based on blockchain of claim 1,
the step S7 includes the steps of:
step S71: the purchasing side node deploys a consignment contract on the block chain, sends the consignment contract to the purchasing side logistics node after Hash signature confirmation is carried out, and carries out Hash signature confirmation after the purchasing side logistics node checks that the signature is correct;
step S72: the purchasing side node deploys a commodity inspection application form on the block chain, and sends the commodity inspection application form to the purchasing side commodity inspection bureau node after signature confirmation;
step S73: after the buyer side commodity inspection bureau node confirms that the commodity is qualified, signing and confirming on the commodity inspection application table, issuing a commodity inspection qualified certificate, performing Hash signature confirmation, recording the commodity inspection qualified certificate on the block chain, informing the buyer side node, and performing signature confirmation after the buyer side node verifies that the signature on the commodity inspection qualified certificate is correct;
step S74: and the purchasing side node generates a bill of lading to perform signature confirmation, records the bill of lading on the block chain and sends the bill of lading to the logistics financing node, and the logistics financing node verifies the bill of lading without errors and then performs signature confirmation.
9. The method for alternative procurement logistics financing based on blockchain of claim 1,
the step S8 includes the steps of:
step S81: the purchasing side node sends a notice of ending the payment of the goods to the logistics financing node after the payment of the goods is completely paid;
step S82: the Oracle node uploads a transfer record of remittance from the purchasing node to the logistics financing node to the block chain, and the logistics financing node confirms that the rest of the goods are received and then signs;
step S83: the logistics financing node pays the remaining goods money to the supplier node and sends a notice of clearing the goods money to the supplier node;
step S84: and the Oracle node uploads the transfer record of remittance from the logistics financing node to the supplier node to the block chain, and the supplier node signs and confirms after receiving the residual payment.
10. A computer-readable storage medium storing a computer program for alternative procurement logistics financing based on a blockchain, wherein the computer program, when executed on a computer, performs the steps of the method for alternative procurement logistics financing based on a blockchain as claimed in any one of claims 1 to 9.
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