CN112258100B - Method for financing replacement purchase logistics based on blockchain and storage medium - Google Patents
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Abstract
The invention discloses a block chain-based method for financing alternative purchasing logistics and a computer-readable storage medium. The invention uses the blockchain technology to firstly make a chain, then each side node is linked up, and finally uses the chain to carry out transaction record and history inquiry on the whole trade process, so that the whole trade process is transparent, the safety and efficiency of the trade are improved, the trust degree among participating subjects is deepened, and the trust mechanism in trade is remodeled. And moreover, the technology combining the blockchain and the intelligent contract is used, so that the process of transmitting and auditing the documents is simplified, the cost of manpower, material resources, financial resources and time is saved, the probability of default and fraud of both buying 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 a logistics company is reduced, the credit of the logistics company is protected, the occupation of funds is reduced, the cash flow is improved, and the whole financing process is faster, safer and more intelligent.
Description
Technical Field
The invention relates to the technical field of logistics financing, in particular to a method for replacing purchasing logistics financing based on a blockchain and a computer-readable storage medium.
Background
The substitute purchase is that a logistics company (a third party) signs a purchase contract and a logistics service contract with a supplier (the supplier in the contract shall unconditionally bear the purchase obligation) according to the requirement and instruction of a purchasing party (borrowing enterprises), and opens a business acceptance draft to the supplier, and the logistics company is simultaneously responsible for goods transportation, storage and auction change and assists the purchasing party to carry out goods circulation sales. As shown in fig. 1, the following modes are generally adopted by the logistics company for making alternative purchases for purchasing parties: the logistics company purchases goods according to the requirements of borrowing enterprises, obtains ownership of goods and fills up part or all of goods deducted from logistics fees; the borrowing enterprises submit the deposit to the logistics company, and the goods are released according to the deposit proportion; the logistics company and the suppliers deposit and remove the money.
However, the current alternative purchasing approach has the following problems:
1. credit risk of both purchasing and selling parties: in traditional alternative purchasing activities, both parties may have credit risk and business risk or both parties in the purchase and sale combine to be fraudulent, and there are trust and risk problems in payment and delivery, increasing the risk of trade.
2. Logistic company credit risk: the traditional logistics financing uses the credit of a logistics company, once the conditions of no performance or combined fraud and the like occur on both buying and selling parties, the logistics company is in a weakness state, and the money and the credit of the logistics company are lost.
3. The purchase and sale contract involves the opening and verification of a large number of paper documents, and the situation of counterfeiting and falsification is easy to exist; and the paper bill is usually sent by mail in the transmission process, which wastes resources and greatly reduces the efficiency of purchasing activities.
Disclosure of Invention
The invention provides a block chain-based method for carrying out alternative purchasing logistics financing and a computer-readable storage medium, which are used for solving the technical problems of large credit risk of purchasing and selling parties, large credit risk of logistics companies and low purchasing efficiency in the existing alternative purchasing mode.
According to one aspect of the present invention, there is provided a method for alternative procurement logistics financing based on blockchains, comprising the steps of:
Step S1: signing trade contracts on the blockchain after the buyer node and the supplier node confirm credit worthiness of the two parties;
step S2: the purchasing party node initiates a substitute purchasing application on the blockchain, and signs a substitute purchasing contract with the purchasing party node and the supplier node on the blockchain after the logistics financing node passes the auditing;
step S3: the supplier node performs shipping transportation activities, and relevant information in the process of transporting the goods is uploaded to the blockchain after being confirmed by the Hash signature of the relevant node;
step S4: after the goods are transported out, the supplier node sends claim for reimbursement notification to the bargaining and paying node, and the bargaining and paying node pays partial goods after checking related information in the goods transportation process on the blockchain;
Step S5: the bargained line node sends out a compensation notice to the payment line node, the payment line node transmits remittance to the bargained line node after confirming no errors, the logistic financing node deploys a bill on a blockchain after receiving goods and carries out Hash signature confirmation, and the supplier node carries out Hash signature confirmation after verifying the bill;
Step S6: the purchasing side node sends out a goods taking notification to the logistics financing node on the blockchain, and the payment line node transfers the deposit submitted by the purchasing side node to the logistics financing node, and the logistics financing node releases goods in proportion according to the amount of the deposit;
Step S7: the purchasing party node carries out goods picking 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 relevant node;
Step S8: after the purchasing party node pays the surplus goods, the purchasing party node sends out a notice of the payment of the surplus goods to the logistics financing node, and the logistics financing node pays the surplus goods to the supplier node after receiving the surplus goods and sends out a notice of the payment of the surplus goods to the supplier node.
Further, the step S1 specifically includes the following steps:
Step S11: the buyer node initiates a request to a third party credit agency node to evaluate the operation condition and credit investigation condition of the supplier node, and the third party credit agency node generates a credit investigation condition table about the supplier node, performs Hash signature confirmation, records the Hash signature on a blockchain and sends the Hash signature to the buyer node;
Step S12: after confirming the credit worthiness situation list, the purchasing node deploys an intentional book on the blockchain, confirms the Hash signature and sends the Hash signature to the supplier node;
step S13: the supplier node initiates a request to a third party credit agency node to evaluate the operation condition and credit investigation condition of the buyer node, and the third party credit agency node generates a credit investigation condition table about the buyer node, performs Hash signature confirmation, records the Hash signature on a blockchain and sends the Hash signature to the supplier node;
Step S14: after confirming that the supplier node meets the requirements, verifying the signature of the buyer node on the intentional book of the collaboration, and after verifying that the signature is correct, carrying out Hash signature confirmation;
Step S15: the purchasing side node deploys trade contracts on the blockchain, and sends the trade contracts to the supplier side 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 the content of the trade contract.
Further, the step S2 includes the steps of:
Step S21: the purchasing side node deploys a substitute purchasing application form on the blockchain within the time specified by the contract, confirms a Hash signature, and then sends the Hash signature to the logistics financing node, and simultaneously uploads a file to be audited for substitute purchasing to the blockchain;
step S22: after receiving the request, the logistic financing node carries out auditing on the purchasing qualification and repayment capability of the purchasing node according to the auditing file uploaded by the purchasing node;
step S23: the logistics financing node initiates a request to the Oracle node to check the related information of the purchasing side node outside the chain, and the Oracle node generates a qualification list about the purchasing side node, sends the qualification list to the logistics financing node and records the qualification list on the blockchain;
Step S24: the logistics financing node evaluates the purchasing node and then decides whether to transact the alternative purchasing service for the purchasing node or not, if refused, generates refusal notification and sends the refusal notification to the purchasing node and records the refusal notification on the blockchain, if agreed, generates agreeable notification and sends the agreeable notification to the purchasing node and records the agreeable notification on the blockchain, and carries out Hash signature confirmation on the alternative purchasing application form;
Step S25: the logistics financing node deploys a substitute purchase service credit agreement on the blockchain, sends the purchase party node after the Hash signature is confirmed, and carries out the Hash signature confirmation after the purchase party node verifies that the signature is correct;
Step S26: the logistics financing node deploys the alternative purchasing contract on the blockchain according to the alternative purchasing application form and the trade contract, and records the Hash signature on the blockchain after the Hash signature is confirmed;
step S27: the logistics financing node sends the substitute purchase contract to a notification node, the notification node verifies the signature without errors and then carries out Hash signature confirmation, the notification node sends the substitute purchase contract to a purchasing side node, the purchasing side node verifies the signature without errors and then carries out Hash signature confirmation, the purchasing side node sends the substitute purchase contract to a supplier node, and the supplier node compares and checks the substitute purchase contract with the trade contract and carries out Hash signature confirmation after the verification without errors.
Further, the step S3 specifically includes the following steps:
Step S31: after the supplier node prepares the goods, a shipment file is generated, after the Hash signature is confirmed, the shipment file is recorded on the block chain, the buyer node is informed, and after the buyer node checks the shipment file, the Hash signature is confirmed;
step S32: the supplier node deploys a commodity inspection application form on the blockchain, confirms a Hash signature, sends the Hash signature to the supplier business inspection office node and records the Hash signature on the blockchain;
Step S33: after confirming that the commodity inspection is qualified, the commodity inspection bureau node of the supplier signs and confirms on the commodity inspection application form, issues a commodity inspection qualified certificate to sign and records the commodity inspection qualified certificate on the blockchain, informs the supplier node, and signs and confirms after checking the commodity inspection;
step S34: the method comprises the steps that after negotiation, a supplier node and a supplier insurance company node conduct insurance on goods, the supplier insurance company node generates an insurance policy according to the quantity and quality of the goods, signature confirmation is conducted, the insurance policy is recorded on a blockchain and is sent to the supplier node, and after verification, the supplier node conducts signature confirmation;
step S35: the supplier node deploys a shipping contract on the blockchain, sends the shipping contract to the supplier logistics node after signature confirmation, records the shipping contract on the blockchain, and carries out Hash signature confirmation after the supplier logistics node checks the signature.
Further, the step S4 specifically includes the following steps:
step S41: after the goods are transported, the supplier node sends claim for reimbursement a notice to the payment-proposal node, and the payment-proposal node examines the goods-out file and the policy on the chain, and after the identity of the policy is determined, part of the goods money is transferred to the supplier node;
step S42: the Oracle node uploads the transfer record of the money transfer from the proposal delivery node to the supplier node to the blockchain, and the supplier node signs and confirms on the transfer record after receiving part of the money.
Further, the step S5 includes the steps of:
Step S51: the bargained line node sends out a compensation notice to the payment line node, the payment line node transfers the remittance to the bargained line node after confirming that the bill is correct,
Step S52: the Oracle node uploads a transfer record of the payment from the payment line node to the bargained line node to the blockchain, and the bargained line node signs and confirms on the transfer record after receiving the payment;
Step S53: after receiving goods, the logistics financing node deploys a bill of lading on the blockchain, confirms the Hash signature, and then sends the bill of lading to the supplier node, and the supplier node confirms the Hash signature after checking the bill of lading.
Further, the step S6 includes the steps of:
Step S61: the purchasing party node sends out a goods-taking notice to the logistics financing node and records the goods-taking notice on the blockchain, and the payment line node transfers the guarantee deposit submitted by the purchasing party node to the logistics financing node;
step S62: the Oracle node uploads a transfer record of the money transfer from the payment line node to the logistics financing node to the blockchain, and the logistics financing node carries out signature confirmation after receiving the deposit;
step S63: the logistics financing node releases cargoes according to the proportion of the deposit and generates a transportation bill, records the transportation bill on a blockchain after Hash signature confirmation, informs the purchasing node, and confirms the signature after the purchasing node verifies the transportation bill.
Further, the step S7 includes the steps of:
Step S71: the purchasing side node deploys a shipping contract on the blockchain, sends the shipping contract to the purchasing Fang Wuliu node after carrying out Hash signature confirmation, and carries out Hash signature confirmation after checking the signature by the purchasing side logistics node;
step S72: the purchasing side node deploys a commodity inspection application form on the blockchain, and sends the commodity inspection application form to the purchasing side business inspection office node after signature confirmation;
Step S73: after confirming that the commodity inspection is qualified, the purchasing side business inspection office node signs and confirms on the commodity inspection application form, issues a commodity inspection qualified certificate to carry out Hash signature confirmation, records the commodity inspection qualified certificate on the blockchain, informs the purchasing side node, and verifies that the signature on the commodity inspection qualified certificate is correct and then signs and confirms;
Step S74: after generating a bill of lading, the purchasing party node carries out signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to the logistics financing node, and the logistics financing node carries out signature confirmation after verification.
Further, the step S8 includes the steps of:
Step S81: after the purchasing side node pays off all the goods, the purchasing side node sends out a notice of the paid goods to the logistics financing node;
Step S82: the Oracle node uploads a transfer record of the money transfer from the purchasing party node to the logistics financing node to the blockchain, and the logistics financing node confirms that the rest of the money is received and then signs and confirms;
step S83: the logistics financing node pays the rest goods to the supplier node and sends out a notice of clearing the goods to the supplier node;
Step S84: the Oracle node uploads the transfer record of the money transfer from the logistics financing node to the supplier node to the blockchain, and the supplier node receives the remaining money and then signs and confirms.
The present invention also provides a computer readable storage medium storing a computer program for blockchain-based alternate purchasing logistics financing, which when run on a computer performs the steps of the blockchain-based alternate purchasing logistics financing method described above.
The invention has the following effects:
According to the method for carrying out logistics financing of replacement purchase based on the blockchain, disclosed by the invention, all information in the whole replacement purchase process is completely published on the chain by utilizing the blockchain technology, and through a consensus mechanism and repeated confirmation of a plurality of key nodes, the true transparency and the whole-course integrity of the information are improved, the non-falsifiability and the non-falsification of the information are ensured, and the credit risk of a logistics company due to the credit and information problems of both purchasing and selling parties is reduced. And the blockchain also provides an automatic transaction processing system of distributed accounting and intelligent contract script technology, replaces the processes of examination sheets, making sheets, telegrams, mailing and the like of a great deal of manpower and time occupied in the traditional settlement process, and greatly improves the trade efficiency. In addition, in the traditional mode, different entities respectively store respective information, each system has an information island, the transparency of the information is seriously insufficient, high time cost and money cost are caused, once problems (default, fraud and other actions) occur on both purchasing and selling parties, the problems are difficult to track and process, and at the moment, logistic companies face the risks of funds and credit. The invention uses the block chain technology to make chain first, namely, each important participation node forms a alliance chain; and then the transaction information of all participating subjects is uplink, so that the whole transaction process is transparent, the security and the efficiency of the transaction are improved, the trust degree among the participating subjects can be deepened, and the trust mechanism in trade is remodeled; finally, the transaction record and the history inquiry are conveniently carried out on the whole trade process by using a chain. By applying the technology of combining the blockchain and the intelligent contract, the document transmission and auditing process is simplified, the labor, material, financial and time costs are saved, and a plurality of complicated processes in the middle of trade are simplified; the default and fraud possibility of the purchasing and selling parties are reduced, the trust and risk problems in payment and delivery are solved, and the trust degree of the trading parties is improved; the risk born by a logistics company is reduced, and the credit of the logistics company is protected; the fund occupation is reduced; the cash flow is improved, so that the whole financing process is faster, safer and more intelligent.
In addition to the objects, features and advantages described above, the present invention has other objects, features and advantages. The present invention 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 an existing alternative purchasing business structure.
FIG. 2 is a block chain network deployment diagram of a method for alternative procurement logistics financing based on a block chain according to a preferred embodiment of the invention.
FIG. 3 is a schematic diagram of a business network of a method for alternative procurement logistics financing based on blockchains in accordance with a preferred embodiment of the present invention.
FIG. 4 is a flow chart of a method for alternative procurement logistics financing based on blockchains in accordance with a preferred embodiment of the present invention.
Fig. 5 is a schematic flow chart of step S1 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 6 is a schematic sub-flow diagram of step S2 in fig. 4 in accordance with a preferred embodiment of the present invention.
Fig. 7 is a schematic flow chart of step S3 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 8 is a schematic flow chart of step S4 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 9 is a schematic sub-flow chart of step S5 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 10 is a schematic flow chart of step S6 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 11 is a schematic flow chart of step S7 in fig. 4 according to a preferred embodiment of the present invention.
Fig. 12 is a schematic flow chart of step S8 in fig. 4 according to a preferred embodiment of the present invention.
Detailed Description
Embodiments of the invention are described in detail below with reference to the attached drawing figures, but the invention can be practiced in a number of different ways, as defined and covered below.
As shown in fig. 2 and 3, the blockchain network of the present invention is built based on the Kafka architecture, and for ease of understanding, the multi-party nodes involved in the blockchain-based alternative purchasing logistics financing method 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. Purchasing (applicant) node: applicant (applicant) refers to a party that is required to transact alternative purchases. In the purchase stream, the buyer typically applies for alternative purchases to the incoming logistics company based on payment conditions established by the purchase contract.
3. Logistics financing nodes: the logistics company (logistics company) refers to a party on demand of the applicant or on behalf of the applicant who replaces purchasing, is usually a partner of the purchasing party, has a first payment responsibility in replacement purchasing activities, and therefore, plays the most important role in replacement purchasing transactions.
4. Payment line node: it is the payment bank designated on the purchase and sale contract. The paymate (paying bank) is typically the transferee of the draft, and is also known as the transferee, and is typically a bank designated by the logistics company, and is determined by the provision of the terms of the purchase and sale contracts.
5. Supplier (beneficiary) node: the beneficiary (eneficiax) refers to a party who receives the commercial draft and enjoys its benefits, and in general, the beneficiary is mostly a seller or a provider who has the right to use or enjoy the benefits of the commercial draft, so is called a beneficiary.
6. The notification line node: the notification line advising bank refers to a bank that notifies the supplier node of the commercial draft in response to the request of the payer node, and the commercial draft can be mailed directly by the payer node, but the authenticity of the commercial draft is checked by the bank to be beneficial to protecting the rights and interests of the supplier node due to the seal and mortgage relationship established between the banks. Therefore, most business draft is notified by the notification nodes.
7. The pay line node: the proposal refers to the act of the bargaining party (negotiating bank) under a conforming bill of delivery, prepaying or agreeing to prepayment to the supplier node on or before the day of the business that it should receive payment, thereby purchasing draft and/or documents. In addition, the draft payer must be a bank, but cannot be made to be a payer in a bargained act.
8. Third party credit bureau node: and the agency system is used for collecting enterprise and personal information and providing enterprise and personal information inquiry, rating and inquiry services for enterprise and personal information users and independently operating agency persons according to the approval of related laws and regulations.
9. Supplier insurance company node: refer to a company where a supplier provides insurance services for goods transportation, etc.
10. Supplier business inspection bureau node: the commodity supplier is responsible for checking whether the commodity meets the detection mechanism of the commodity supply requirement.
11. Supplier logistics node: the commodity supplier is at least engaged in transportation (including transportation agency and express delivery of cargoes) 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-service, and an economic organization which carries out independent accounting and independent burden of civil responsibility is realized.
12. Purchasing side business check office node: the detecting mechanism is responsible for checking whether the commodity meets the purchasing requirement or not by the purchasing party.
13. Purchasing party logistics node: the purchasing party is at least engaged in transportation (including transportation agency and goods express) or storage, and 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.
As shown in FIG. 4, a preferred embodiment of the present invention provides a method for alternative procurement logistics financing based on blockchains, comprising the steps of:
Step S1: signing trade contracts on the blockchain after the buyer node and the supplier node confirm credit worthiness of the two parties;
step S2: the purchasing party node initiates a substitute purchasing application on the blockchain, and signs a substitute purchasing contract with the purchasing party node and the supplier node on the blockchain after the logistics financing node passes the auditing;
step S3: the supplier node performs shipping transportation activities, and relevant information in the process of transporting the goods is uploaded to the blockchain after being confirmed by the Hash signature of the relevant node;
step S4: after the goods are transported out, the supplier node sends claim for reimbursement notification to the bargaining and paying node, and the bargaining and paying node pays partial goods after checking related information in the goods transportation process on the blockchain;
Step S5: the bargained line node sends out a compensation notice to the payment line node, the payment line node transmits remittance to the bargained line node after confirming no errors, the logistic financing node deploys a bill on a blockchain after receiving goods and carries out Hash signature confirmation, and the supplier node carries out Hash signature confirmation after verifying the bill;
Step S6: the purchasing side node sends out a goods taking notification to the logistics financing node on the blockchain, and the payment line node transfers the deposit submitted by the purchasing side node to the logistics financing node, and the logistics financing node releases goods in proportion according to the amount of the deposit;
Step S7: the purchasing party node carries out goods picking 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 relevant node;
Step S8: after the purchasing party node pays the surplus goods, the purchasing party node sends out a notice of the payment of the surplus goods to the logistics financing node, and the logistics financing node pays the surplus goods to the supplier node after receiving the surplus goods and sends out a notice of the payment of the surplus goods to the supplier node.
It can be understood that the method for carrying out alternative purchasing logistics financing based on the blockchain in the embodiment utilizes the blockchain technology to fully publish all information in the whole alternative purchasing process on the chain, improves the true transparency and the whole-course integrity of the information through the consensus mechanism and repeated confirmation of a plurality of key nodes, ensures the non-forgery and non-falsification of the information, and reduces the credit risk of logistics companies caused by the credit problems of purchasing parties. And the blockchain also provides an automatic transaction processing system of distributed accounting and intelligent contract script technology, replaces the processes of examination sheets, making sheets, telegrams, mailing and the like of a great deal of manpower and time occupied in the traditional settlement process, and greatly improves the trade efficiency. In addition, in the traditional mode, different entities respectively store respective information, each system has an information island, the transparency of the information is seriously insufficient, high time cost and money cost are caused, once problems (default, fraud and other actions) occur on both purchasing and selling parties, the problems are difficult to track and process, and at the moment, logistic companies face the risks of funds and credit. The invention uses the block chain technology to make chain first, namely, each important participation node forms a alliance chain; and then the transaction information of all participating subjects is uplink, so that the whole transaction process is transparent, the security and the efficiency of the transaction are improved, the trust degree among the participating subjects can be deepened, and the trust mechanism in trade is remodeled; finally, the transaction record and the history inquiry are conveniently carried out on the whole trade process by using a chain. By applying the technology of combining the blockchain and the intelligent contract, the document transmission and auditing process is simplified, the labor, material, financial and time costs are saved, and a plurality of complicated processes in the middle of trade are simplified; the default and fraud possibility of the purchasing and selling parties are reduced, the trust and risk problems in payment and delivery are solved, and the trust degree of the trading parties is improved; the risk born by a logistics company is reduced, and the credit of the logistics company is protected; the fund occupation is reduced; the cash flow is improved, so that the whole financing process is faster, safer and more intelligent.
In addition, it will be appreciated that the blockchain system of the present invention includes four major components: the system comprises a blockchain subsystem, an identity authentication subsystem, an intelligent contract subsystem and a black-and-white list mechanism subsystem, wherein the blockchain subsystem is used for storing transaction data in a transaction process, guaranteeing that the data cannot be tampered, providing trusted data and inquiring and tracing the transaction data; the identity authentication subsystem is used for uniquely identifying the identity of each participating node by utilizing the technologies such as asymmetric encryption, a hash algorithm and the like, verifying the participants of each transaction, ensuring that the bill cannot be counterfeited, and ensuring the safety and privacy of data; the intelligent contract subsystem is used for realizing the automatic execution of the whole transaction process, and when the transaction triggering condition is reached, the system automatically executes the next step, so that the operation of a lot of manpower is saved, and the rule can be ensured to be executed; the black-and-white list mechanism system is used for restraining the illegal behaviors of the purchasing and selling parties, and recording the illegal conditions on a chain once the illegal conditions occur, so that the trust degree of the purchasing and selling parties is improved, and the credit of the logistics financing node is protected.
It will be appreciated that, as shown in fig. 5, the step S1 specifically includes the following steps:
Step S11: the buyer node initiates a request to a third party credit agency node to evaluate the operation condition and credit investigation condition of the supplier node, and the third party credit agency node generates a credit investigation condition table about the supplier node, performs Hash signature confirmation, records the Hash signature on a blockchain and sends the Hash signature to the buyer node;
Step S12: after confirming the credit worthiness situation list, the purchasing node deploys an intentional book on the blockchain, confirms the Hash signature and sends the Hash signature to the supplier node;
step S13: the supplier node initiates a request to a third party credit agency node to evaluate the operation condition and credit investigation condition of the buyer node, and the third party credit agency node generates a credit investigation condition table about the buyer node, performs Hash signature confirmation, records the Hash signature on a blockchain and sends the Hash signature to the supplier node;
Step S14: after confirming that the supplier node meets the requirements, verifying the signature of the buyer node on the intentional book of the collaboration, and after verifying that the signature is correct, carrying out Hash signature confirmation;
Step S15: the purchasing side node deploys trade contracts on the blockchain, and sends the trade contracts to the supplier side 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 the content of the trade contract.
It can be understood that in the step S1, the buyer node and the supplier node can acquire the operation condition and credit investigation condition of the other party from the third party credit investigation mechanism node based on the blockchain, so that the respective credit investigation conditions of the two parties can be accurately evaluated, the credit risk of the two parties for purchase and sale is reduced, and all relevant data in the trade contract signing stage are recorded on the chain after being digitally signed by the relevant node, so that the authenticity and reliability are better, and the later tracing is facilitated.
It will be appreciated that, as shown in fig. 6, the step S2 includes the steps of:
Step S21: the purchasing side node deploys a substitute purchasing application form on the blockchain within the time specified by the contract, sends the substitute purchasing application form to the logistics financing node after Hash signature confirmation, and uploads a file to be audited for substitute purchasing to the blockchain, wherein the file to be audited comprises company laws, financial reports, trade agreements and the like;
step S22: after receiving the request, the logistic financing node carries out auditing on the purchasing qualification and repayment capability of the purchasing node according to the auditing file uploaded by the purchasing node;
Step S23: the logistics financing node initiates a request to the Oracle node to check the related information of the purchasing side node outside the chain, such as tax, borrowing situation, credit level and the like, and the Oracle node generates a qualification situation table about the purchasing side node, sends the qualification situation table to the logistics financing node and records the qualification situation table on the blockchain;
Step S24: the logistics financing node evaluates the purchasing node and then decides whether to transact the alternative purchasing service for the purchasing node or not, if refused, generates refusal notification and sends the refusal notification to the purchasing node and records the refusal notification on the blockchain, if agreed, generates agreeable notification and sends the agreeable notification to the purchasing node and records the agreeable notification on the blockchain, and carries out Hash signature confirmation on the alternative purchasing application form;
Step S25: the logistics financing node deploys a substitute purchase service credit agreement on the blockchain, sends the purchase party node after the Hash signature is confirmed, and carries out the Hash signature confirmation after the purchase party node verifies that the signature is correct;
Step S26: the logistics financing node deploys the alternative purchasing contract on the blockchain according to the alternative purchasing application form and the trade contract, and records the Hash signature on the blockchain after the Hash signature is confirmed;
step S27: the logistics financing node sends the substitute purchase contract to a notification node, the notification node verifies the signature without errors and then carries out Hash signature confirmation, the notification node sends the substitute purchase contract to a purchasing side node, the purchasing side node verifies the signature without errors and then carries out Hash signature confirmation, the purchasing side node sends the substitute purchase contract to a supplier node, and the supplier node compares and checks the substitute purchase contract with the trade contract and carries out Hash signature confirmation after the verification without errors.
It can be understood that in the step S2, the logistics financing node can accurately evaluate the purchasing qualification and repayment capability of the purchasing node based on the materials submitted by the purchasing node and other information outside the chain of the purchasing node uploaded by the Oracle node, so that the financing risk of the logistics financing node is further reduced, and related information related to the process of signing instead of purchasing contracts needs to be uploaded to the blockchain after signature confirmation by the related nodes, thereby facilitating later tracing.
It will be appreciated that, as shown in fig. 7, the step S3 specifically includes the following steps:
Step S31: after preparing goods, the supplier node generates a shipment file, records the shipment file on a blockchain after carrying out Hash signature confirmation, informs the buyer node, and carries out Hash signature confirmation after checking the buyer node, wherein the shipment file comprises shipment contracts, shipment business invoices, boxing bills and the like;
step S32: the supplier node deploys a commodity inspection application form on the blockchain, confirms a Hash signature, sends the Hash signature to the supplier business inspection office node and records the Hash signature on the blockchain;
Step S33: after confirming that the commodity inspection is qualified, the commodity inspection bureau node of the supplier signs and confirms on the commodity inspection application form, issues a commodity inspection qualified certificate to sign and records the commodity inspection qualified certificate on the blockchain, informs the supplier node, and signs and confirms after checking the commodity inspection;
step S34: the method comprises the steps that after negotiation, a supplier node and a supplier insurance company node conduct insurance on goods, the supplier insurance company node generates an insurance policy according to the quantity and quality of the goods, signature confirmation is conducted, the insurance policy is recorded on a blockchain and is sent to the supplier node, and after verification, the supplier node conducts signature confirmation;
step S35: the supplier node deploys a shipping contract on the blockchain, sends the shipping contract to the supplier logistics node after signature confirmation, records the shipping contract on the blockchain, and carries out Hash signature confirmation after the supplier logistics node checks the signature.
It can be understood that in the step S3, relevant information related to the whole delivery transportation process of the supplier node is uploaded to the blockchain through the relevant node, the whole delivery transportation process is transparent and open on the blockchain, so that each party node, especially the logistics financing node, can conveniently and effectively monitor the delivery transportation process, the traceability of the information is ensured, the condition of faking of the delivery information is prevented, and the risk of the logistics financing node is further reduced.
It will be appreciated that, as shown in fig. 8, the step S4 specifically includes the following steps:
step S41: after the goods are transported, the supplier node sends claim for reimbursement notification to the consultation payment node, the consultation payment node reviews the goods output file and the policy on the chain, and after the consistence of the policy is determined, part of the goods are transferred to the supplier node, wherein 50% of the goods are paid in the claim for reimbursement stage;
step S42: the Oracle node uploads the transfer record of the money transfer from the proposal delivery node to the supplier node to the blockchain, and the supplier node signs and confirms on the transfer record after receiving part of the money.
It can be understood that in the step S4, the claim for reimbursement process is disclosed as transparent on the blockchain, so that each party node, especially the logistic financing node, can effectively monitor the payment process to the supplier node, and the associated nodes need to sign and confirm the transfer records, thereby ensuring the traceability of the payment process.
It will be appreciated that, as shown in fig. 9, the step S5 includes the steps of:
step S51: the bargained line node sends out a compensation notice to the payment line node, and the payment line node transfers remittance to the bargained line node after confirming that the bill is correct;
step S52: the Oracle node uploads a transfer record of the payment from the payment line node to the bargained line node to the blockchain, and the bargained line node signs and confirms on the transfer record after receiving the payment;
Step S53: after receiving goods, the logistics financing node deploys a bill of lading on the blockchain, confirms the Hash signature, and then sends the bill of lading to the supplier node, and the supplier node confirms the Hash signature after checking the bill of lading.
It can be understood that in the step S5, the claim for reimbursement process is disclosed as transparent on the blockchain, so that the process of paying to the bargained line node is effectively supervised by each party node, especially by the logistic financing node, and the associated nodes all need to carry out signature confirmation on the transfer record and the bill of lading, thereby ensuring the traceability of the payment process.
It will be appreciated that as shown in fig. 10, the step S6 includes the steps of:
Step S61: the purchasing party node sends out a goods-taking notice to the logistics financing node and records the goods-taking notice on the blockchain, and the payment line node transfers the guarantee deposit submitted by the purchasing party node to the logistics financing node;
step S62: the Oracle node uploads a transfer record of the money transfer from the payment line node to the logistics financing node to the blockchain, and the logistics financing node carries out signature confirmation after receiving the deposit;
step S63: the logistics financing node releases cargoes according to the proportion of the deposit and generates a transportation bill, records the transportation bill on a blockchain after Hash signature confirmation, informs the purchasing node, and confirms the signature after the purchasing node verifies the transportation bill.
It can be understood that in the step S6, the payment redeem or retire a note or bill is disclosed in a transparent manner on the blockchain, so that traceability of the transaction process is ensured, and before the payment of the purchasing node, the deposit is stored at the payment line node, so that the credit risk of both the purchasing node and the logistics financing node is reduced, a new trust mechanism is established, and after the payment of the purchasing node, the logistics financing node releases goods in proportion to the deposit amount of the money transfer of the payment line node, so that the benefit of the logistics financing node is ensured, and the financing risk of the logistics financing node is further reduced.
It will be appreciated that, as shown in fig. 11, the step S7 includes the steps of:
Step S71: the purchasing side node deploys a shipping contract on the blockchain, sends the shipping contract to the purchasing Fang Wuliu node after carrying out Hash signature confirmation, and carries out Hash signature confirmation after checking the signature by the purchasing side logistics node;
step S72: the purchasing side node deploys a commodity inspection application form on the blockchain, and sends the commodity inspection application form to the purchasing side business inspection office node after signature confirmation;
Step S73: after confirming that the commodity inspection is qualified, the purchasing side business inspection office node signs and confirms on the commodity inspection application form, issues a commodity inspection qualified certificate to carry out Hash signature confirmation, records the commodity inspection qualified certificate on the blockchain, informs the purchasing side node, and verifies that the signature on the commodity inspection qualified certificate is correct and then signs and confirms;
Step S74: after generating a bill of lading, the purchasing party node carries out signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to the logistics financing node, and the logistics financing node carries out signature confirmation after verification.
It can be understood that in the step S7, the relevant information related to the whole delivery transportation process of the purchasing node is uploaded to the blockchain through the relevant node, the whole delivery transportation process is transparent and open on the blockchain, so that the delivery transportation process of each party node, especially the logistics financing node, is effectively monitored, the traceability of the information is ensured, and the financing risk of the logistics financing node is further reduced.
It will be appreciated that, as shown in fig. 12, the step S8 includes the steps of:
Step S81: after the purchasing side node pays off all the goods, the purchasing side node sends out a notice of the paid goods to the logistics financing node;
Step S82: the Oracle node uploads a transfer record of the money transfer from the purchasing party node to the logistics financing node to the blockchain, and the logistics financing node confirms that the rest of the money is received and then signs and confirms;
step S83: the logistics financing node pays the rest goods to the supplier node and sends out a notice of clearing the goods to the supplier node;
Step S84: the Oracle node uploads the transfer record of the money transfer from the logistics financing node to the supplier node to the blockchain, and the supplier node receives the remaining money and then signs and confirms.
It will be appreciated that in step S8, after the purchasing node pays off the remaining goods, the logistic financing node should also issue the remaining goods to the purchasing node, and the process of picking up the remaining goods is identical as in step S7 described above. All payment activities need to be signed and confirmed by the associated nodes, so that the authenticity and the reliability of the transaction activities are ensured, and a technical basis is provided for later tracing.
Additionally, it is to be appreciated that in other embodiments of the present invention, the blockchain-based method of alternative procurement logistics financing further includes:
and pulling the party with the default condition in the trade process into a blacklist and recording the blacklist on a blockchain, wherein when the alternative purchasing activity is carried out subsequently, each party node can acquire the related information of the default party on the blockchain, and the default behaviors of the two parties can be effectively restrained by setting a blacklist mechanism and a whitelist mechanism, so that the trust degree of the purchasing and selling parties 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 storing a computer program for performing alternative purchasing stream financing based on a blockchain, which when run on a computer performs the steps of the method for performing alternative purchasing stream financing based on a blockchain as described in the preferred embodiment above.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (2)
1. A block chain-based method for financing alternative purchasing logistics is characterized in that,
The method comprises the following steps:
Step S1: signing trade contracts on the blockchain after the buyer node and the supplier node confirm credit worthiness of the two parties;
step S2: the purchasing party node initiates a substitute purchasing application on the blockchain, and signs a substitute purchasing contract with the purchasing party node and the supplier node on the blockchain after the logistics financing node passes the auditing;
step S3: the supplier node performs shipping transportation activities, and relevant information in the process of transporting the goods is uploaded to the blockchain after being confirmed by the Hash signature of the relevant node;
step S4: after the goods are transported out, the supplier node sends claim for reimbursement notification to the bargaining and paying node, and the bargaining and paying node pays partial goods after checking related information in the goods transportation process on the blockchain;
Step S5: the bargained line node sends out a compensation notice to the payment line node, the payment line node transmits remittance to the bargained line node after confirming no errors, the logistic financing node deploys a bill on a blockchain after receiving goods and carries out Hash signature confirmation, and the supplier node carries out Hash signature confirmation after verifying the bill;
Step S6: the purchasing side node sends out a goods taking notification to the logistics financing node on the blockchain, and the payment line node transfers the deposit submitted by the purchasing side node to the logistics financing node, and the logistics financing node releases goods in proportion according to the amount of the deposit;
Step S7: the purchasing party node carries out goods picking 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 relevant node;
Step S8: after the purchasing party node pays the residual goods, the purchasing party node sends out a notice of the clearing goods to the logistics financing node, and the logistics financing node pays the residual goods to the supplier node and sends out a notice of the clearing goods to the supplier node after receiving the residual goods;
The step S1 specifically comprises the following steps:
Step S11: the buyer node initiates a request to a third party credit agency node to evaluate the operation condition and credit investigation condition of the supplier node, and the third party credit agency node generates a credit investigation condition table about the supplier node, performs Hash signature confirmation, records the Hash signature on a blockchain and sends the Hash signature to the buyer node;
Step S12: after confirming the credit worthiness situation list, the purchasing node deploys an intentional book on the blockchain, confirms the Hash signature and sends the Hash signature to the supplier node;
step S13: the supplier node initiates a request to a third party credit agency node to evaluate the operation condition and credit investigation condition of the buyer node, and the third party credit agency node generates a credit investigation condition table about the buyer node, performs Hash signature confirmation, records the Hash signature on a blockchain and sends the Hash signature to the supplier node;
Step S14: after confirming that the supplier node meets the requirements, verifying the signature of the buyer node on the intentional book of the collaboration, and after verifying that the signature is correct, carrying out Hash signature confirmation;
Step S15: the purchasing side node deploys trade contracts on the blockchain, and sends the trade contracts to the supplier side node after Hash signature confirmation;
step S16: the supplier node verifies the signature of the buyer node on the trade contract, and after confirming that the content of the trade contract is correct, hash signature confirmation is carried out;
the step S2 includes the steps of:
Step S21: the purchasing side node deploys a substitute purchasing application form on the blockchain within the time specified by the contract, confirms a Hash signature, and then sends the Hash signature to the logistics financing node, and simultaneously uploads a file to be audited for substitute purchasing to the blockchain;
step S22: after receiving the request, the logistic financing node carries out auditing on the purchasing qualification and repayment capability of the purchasing node according to the auditing file uploaded by the purchasing node;
step S23: the logistics financing node initiates a request to the Oracle node to check the related information of the purchasing side node outside the chain, and the Oracle node generates a qualification list about the purchasing side node, sends the qualification list to the logistics financing node and records the qualification list on the blockchain;
Step S24: the logistics financing node evaluates the purchasing node and then decides whether to transact the alternative purchasing service for the purchasing node or not, if refused, generates refusal notification and sends the refusal notification to the purchasing node and records the refusal notification on the blockchain, if agreed, generates agreeable notification and sends the agreeable notification to the purchasing node and records the agreeable notification on the blockchain, and carries out Hash signature confirmation on the alternative purchasing application form;
Step S25: the logistics financing node deploys a substitute purchase service credit agreement on the blockchain, sends the purchase party node after the Hash signature is confirmed, and carries out the Hash signature confirmation after the purchase party node verifies that the signature is correct;
Step S26: the logistics financing node deploys the alternative purchasing contract on the blockchain according to the alternative purchasing application form and the trade contract, and records the Hash signature on the blockchain after the Hash signature is confirmed;
step S27: the logistics financing node sends the substitute purchase contract to a notification line node, the notification line node verifies that the signature is correct and then carries out Hash signature confirmation, the notification line node sends the substitute purchase contract to a purchasing side node, the purchasing side node verifies that the signature is correct and then carries out Hash signature confirmation, the purchasing side node sends the substitute purchase contract to a supplier node, and the supplier node compares and checks the substitute purchase contract with the trade contract and carries out Hash signature confirmation after the confirmation is correct;
the step S3 specifically comprises the following steps:
Step S31: after the supplier node prepares the goods, a shipment file is generated, after the Hash signature is confirmed, the shipment file is recorded on the block chain, the buyer node is informed, and after the buyer node checks the shipment file, the Hash signature is confirmed;
step S32: the supplier node deploys a commodity inspection application form on the blockchain, confirms a Hash signature, sends the Hash signature to the supplier business inspection office node and records the Hash signature on the blockchain;
Step S33: after confirming that the commodity inspection is qualified, the commodity inspection bureau node of the supplier signs and confirms on the commodity inspection application form, issues a commodity inspection qualified certificate to sign and records the commodity inspection qualified certificate on the blockchain, informs the supplier node, and signs and confirms after checking the commodity inspection;
step S34: the method comprises the steps that after negotiation, a supplier node and a supplier insurance company node conduct insurance on goods, the supplier insurance company node generates an insurance policy according to the quantity and quality of the goods, signature confirmation is conducted, the insurance policy is recorded on a blockchain and is sent to the supplier node, and after verification, the supplier node conducts signature confirmation;
Step S35: the supplier node deploys a shipping contract on the blockchain, sends the shipping contract to the supplier logistics node after signature confirmation, records the shipping contract on the blockchain, and carries out Hash signature confirmation after checking the signature by the supplier logistics node;
the step S4 specifically includes the following steps:
step S41: after the goods are transported, the supplier node sends claim for reimbursement a notice to the payment-proposal node, and the payment-proposal node examines the goods-out file and the policy on the chain, and after the identity of the policy is determined, part of the goods money is transferred to the supplier node;
Step S42: the Oracle node uploads the transfer record of the money transfer from the proposal delivery node to the supplier node to the blockchain, and the supplier node signs and confirms on the transfer record after receiving part of the money;
the step S5 includes the steps of:
Step S51: the bargained line node sends out a compensation notice to the payment line node, the payment line node transfers the remittance to the bargained line node after confirming that the bill is correct,
Step S52: the Oracle node uploads a transfer record of the payment from the payment line node to the bargained line node to the blockchain, and the bargained line node signs and confirms on the transfer record after receiving the payment;
Step S53: after receiving goods, the logistics financing node deploys a bill of lading on the blockchain, and sends the bill of lading to the supplier node after carrying out Hash signature confirmation, and the supplier node carries out Hash signature confirmation after checking the bill of lading;
the step S6 includes the steps of:
Step S61: the purchasing party node sends out a goods-taking notice to the logistics financing node and records the goods-taking notice on the blockchain, and the payment line node transfers the guarantee deposit submitted by the purchasing party node to the logistics financing node;
step S62: the Oracle node uploads a transfer record of the money transfer from the payment line node to the logistics financing node to the blockchain, and the logistics financing node carries out signature confirmation after receiving the deposit;
Step S63: the logistics financing node releases cargoes according to the proportion of the deposit, generates a transportation bill, records the transportation bill on a blockchain after Hash signature confirmation, informs a purchasing node, and confirms the signature after the purchasing node verifies the transportation bill;
the step S7 includes the steps of:
Step S71: the purchasing side node deploys a shipping contract on the blockchain, sends the shipping contract to the purchasing Fang Wuliu node after carrying out Hash signature confirmation, and carries out Hash signature confirmation after checking the signature by the purchasing side logistics node;
step S72: the purchasing side node deploys a commodity inspection application form on the blockchain, and sends the commodity inspection application form to the purchasing side business inspection office node after signature confirmation;
Step S73: after confirming that the commodity inspection is qualified, the purchasing side business inspection office node signs and confirms on the commodity inspection application form, issues a commodity inspection qualified certificate to carry out Hash signature confirmation, records the commodity inspection qualified certificate on the blockchain, informs the purchasing side node, and verifies that the signature on the commodity inspection qualified certificate is correct and then signs and confirms;
Step S74: after generating a bill of lading, the purchasing party node carries out signature confirmation, records the bill of lading on a blockchain and sends the bill of lading to the logistics financing node, and the logistics financing node carries out signature confirmation after checking;
The step S8 includes the steps of:
Step S81: after the purchasing side node pays off all the goods, the purchasing side node sends out a notice of the paid goods to the logistics financing node;
Step S82: the Oracle node uploads a transfer record of the money transfer from the purchasing party node to the logistics financing node to the blockchain, and the logistics financing node confirms that the rest of the money is received and then signs and confirms;
step S83: the logistics financing node pays the rest goods to the supplier node and sends out a notice of clearing the goods to the supplier node;
Step S84: the Oracle node uploads the transfer record of the money transfer from the logistics financing node to the supplier node to the blockchain, and the supplier node receives the remaining money and then signs and confirms.
2. A computer readable storage medium storing a computer program for performing alternative purchasing logistics financing based on a blockchain, the computer program when run on a computer performing the steps of the method for performing alternative purchasing logistics financing based on a blockchain as in claim 1.
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| CN113674080A (en) * | 2021-07-30 | 2021-11-19 | 湖南大学 | Block chain-based dynamic movable property pledge financing method, equipment and storage medium |
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