CN113222603A - International trade credit settlement authentication method and system - Google Patents
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Abstract
The invention discloses an international trade credit settlement authentication method and system, wherein the method comprises the following steps that an identity authentication block, a product authentication block, a contract record authentication block, a logistics authentication block, a credit settlement block and a national supervision bank are arranged on a cone block chain, and the method is applied to a first node and a second node in the cone block chain to generate credit values through transactions and perform credit settlement, all transaction parties achieve consensus, and credit settlement information is shared in real time. The invention not only ensures the transaction transparency and fairness, but also solves the problem that foreign exchange reserves restrict international trade.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to an international trade credit settlement authentication method and system.
Background
Electronic commerce has gradually progressed from localized to global, and global funds transfers have also become more frequent as globalization progresses. In this situation, cross-bank payment in cross-border situations becomes more important, and at present, most of the banks in most countries use the settlement system as SWIFT system, but there are some problems in practical application of SWIFT system, such as: the problems of time delay of currency matching, incapability of supervising transactions in a whole process of a country, influence on other countries by global currency expansion, intrusion of hackers into system information change and the like exist.
The system can help users and merchants to directly conduct transactions, shopping and consumption are convenient to conduct globally, and compared with the method of mediating through a local third party, direct transaction can improve shopping categories, commodity quality can be guaranteed, and after-sale service is convenient.
Disclosure of Invention
In order to solve the technical problem, the invention provides an international trade credit settlement authentication system of a cone block chain. In the system and the method, the problems that the international trade credit settlement authentication is safe in real time, cannot be tampered, can be traced, the currency matching delay in the prior art is delayed, the state cannot supervise the transaction and the corresponding logistics information in the whole process and the like can be solved.
In order to achieve the purpose, the technical scheme of the invention is as follows:
an international trade credit settlement authentication method comprises the following steps:
the identity of a login request sent by a first node is authenticated through an identity authentication block, the login request can log in a trading platform in a cone block chain network after the authentication is qualified, and a product to be purchased is selected from the trading platform;
the product authentication block authenticates the to-be-purchased product and sends a product authentication result to the first node;
the first node receives the authentication result, confirms the to-be-purchased article according to the result, sends the relevant information of the confirmed to-be-purchased article to the corresponding payment bank, and simultaneously requests credit authentication to the product authentication block, and the product authentication block performs credit authentication on the confirmed to-be-purchased article and sends a credit authentication report to the first node;
the first node and the second node send out contract filing requests to the contract filing block, the requests are identified in common and fill in purchase and sale contracts respectively, and the national supervision bank authorizes the amount of a credit contract according to the trade relation between the countries of the first node and the second node, the credit value and the purchase and sale contract and sends an authorization notice to the second node;
the second node receives the authorization notice, organizes delivery and uploads delivery information to the logistics authentication block;
after the first node confirms the receipt, the logistics authentication block and the first node respectively send the receipt information and the goods inspection confirmation information to the second node, the second node receives the receipt information and the goods inspection confirmation information and sends the receipt information and the goods inspection confirmation information to the credit settlement block, and the credit settlement block updates the credit value corresponding to the first node and the second node on the credit settlement block according to the transaction information between the first node and the second node.
Preferably, the method further comprises the following steps: the credit settlement block sends the sending information and the receiving information to the first node and the second node respectively.
Preferably, periodic settlement is adopted between the first node and the second node.
Preferably, the authenticating the identity by the identity authentication block includes the following steps:
collecting the living organism information and the identity information of a login user, and generating a private key in real time;
generating a public key through the private key, and starting a distributed key management protocol;
updating the key, broadcasting and verifying in the pyramidal block chain network;
encrypting and decrypting the transaction information by using the secret key and the digital signature;
the administrator verifies the information;
and after the authentication is successful, uploading the authentication information to the cone block chain.
Preferably, the credit settlement block has a ratio of the credit value to the international trade maximum national currency of 1: 1.
Preferably, the trade relationship between the countries of the first node and the second node comprises trade sequential difference and trade inverse difference.
Preferably, the total balance of the account of the national supervision bank of the country of the first node is set as b, the exchange rate of credit value of the country of the first node is set as r, the total balance of the account of the national credit settlement block is set as c, the periodic credit settlement rate is set as s,
if c is larger than or equal to b multiplied by r and is trade sequential error relative to the country of the first node, the first node adopts periodic settlement corresponding to the account of the credit settlement block, and the periodic settlement amount is the total amount of the purchased articles in a period;
if c < b × r is the trade difference relative to the country of the first node, the periodic settlement amount is S1 when the first node adopts periodic settlement corresponding to the credit settlement block account, and the calculation formula is: s1 ═ c1 × S × r, where c1 is the credit amount of the credit settlement account.
Preferably, the method further comprises the following steps: and if the country corresponding to the first node is the trade reversed difference, adding two ways of service fee adjustment and/or national tax through the reversed difference for adjustment.
Preferably, the method further comprises the following steps: receiving an invoicing application of the first node, extracting transaction information between the first node and the second node to generate corresponding tax information, generating an electronic tax invoice according to the tax information, and sending the electronic tax invoice to the first node.
The authentication system applying the international trade credit settlement authentication method comprises a first node and a second node which are applied to a cone block chain, wherein an identity authentication block, a product authentication block, a contract filing authentication block, a logistics authentication block, a credit settlement block and a national supervision bank are arranged on the cone block chain; wherein the content of the first and second substances,
the identity authentication block comprises a human-computer-integrated authentication block, a personal identity authentication block and a legal identity authentication block;
the first node and the second node are respectively connected with a human-computer integrated authentication block, a personal identity authentication block and a legal identity authentication block, and are also respectively connected with a product authentication block, a contract filing authentication block, a logistics authentication block, a credit settlement block and a national supervision bank;
the product authentication block is respectively connected with the contract filing authentication block and the logistics authentication block;
the credit settlement block is connected with a national supervision bank.
Based on the technical scheme, the invention has the beneficial effects that:
1. all nodes on the cone block chain achieve consistency consensus through a credit transaction intelligent contract, the credibility of credit values is guaranteed through the establishment of a cone block chain platform and the consensus mechanism and the non-falsification of the cone block chain, the calculation offset operation is carried out on the related credit values through the national supervision bank account, meanwhile, the real-time authentication of credit settlement in the supply chain and the participation of multiple parties of each node, product, logistics, service and bank on the chain and the credit settlement in the supply chain are realized in the platform established by an application layer, and the security, the non-falsification and the traceability of international trade credit settlement authentication can be realized;
2. the invention adopts the cone block chain technology, is beneficial to the transition from the global trade acceleration to the paperless direction, and is beneficial to the acceleration of the establishment of a global payment credit system, thereby reducing the cost, improving the convenience level of the trade and further increasing the transparency of the global supply chain;
3. the invention adopts a cone block chain technical architecture, namely a three-dimensional network stereoscopic architecture formed by chaining government codes and a government-dominated cone block chain, and solves the problem that trade is not supervised in the whole process, is not influenced by exchange rate fluctuation and currency expansion, and the like.
Drawings
The following describes embodiments of the present invention in further detail with reference to the accompanying drawings.
Fig. 1 is a block diagram of a block link point according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating an international trade credit settlement authentication method according to the present invention;
fig. 3 is a block diagram of an international trade credit settlement authentication system according to the present invention.
Detailed Description
The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.
The invention refers to the ordinal numbers "first" and "second" for distinguishing a plurality of objects, and does not limit the sequence, time sequence, priority or importance of the plurality of objects. For example, the first node and the second node are only for distinguishing different blockchain nodes, and do not indicate the difference of the priorities, transmission orders, importance degrees, and the like of the two nodes.
As shown in fig. 1, the block link point is a witness-machine-integrated terminal, which may be, but not limited to, various mobile phones, tablet computers, notebook computers, palm computers, PDAs, big data terminals, sensors, AI terminals, wearable devices, and the like, and includes: at least one processor 110, such as a CPU, at least one communication interface 120, at least one memory 130, and at least one communication bus 140. Wherein the communication bus 140 is used for realizing direct connection communication of these components. The communication interface 120 of the device in the embodiment of the present invention is used for performing signaling or data communication with other node devices. Memory 130 may be a high speed RAM memory or a non-volatile memory such as at least one disk memory. Memory 130 may optionally be at least one memory device located remotely from the aforementioned processor. The memory 130 stores computer readable instructions that, when executed by the processor 110, cause the block link points to perform the method process described below with respect to fig. 2.
As shown in fig. 2, in one embodiment, an international trade credit settlement authentication method is provided, which is applied to a first node and a second node in a vertebral block chain, the first node and the second node generate an intelligent contract according to a transaction rule, and send the intelligent contract to a vertebral block chain network for consensus, and an identity authentication block, a product authentication block, a contract filing authentication block, a logistics authentication block, a credit settlement block, a payment bank and a national supervision bank are deployed on the vertebral block chain, and includes the following steps:
s201, the identity of a login request sent by a first node is authenticated through an identity authentication block, the login request can log in a trading platform in a cone block chain network after the authentication is qualified, and a to-be-purchased product is selected from the trading platform;
in this embodiment, identity information, account information, credit information, and the like of a shopper (individual or legal) are encrypted by a cone block chain dynamic key system, and the private key is stored in the cone block chain human-machine-integrated terminal. A shopper (individual or legal) sends out individual identity authentication requests to a cone block chain and human-machine authentication block and an individual identity authentication block of the country through a cone block chain and human-machine integrated terminal, only if the human-machine integrated dynamic key is decrypted in real time, the individual or legal account information and credit information can be obtained for authentication, the authentication is logged in a transaction platform in the cone block chain after passing, an article on a second node is selected and placed on the cone block chain, and the first node and the second node generate an intelligent contract according to transaction rules and upload the intelligent contract to the cone block chain to achieve consensus.
A key generation method, an authentication method, and a system for pyramidal blockchains are described in detail in patent application No. 202011021073.0. The encryption and decryption in the embodiment of the patent can be realized by a cone block chain key generation method and can also be realized by the existing cryptographic algorithm.
S202, the product authentication block authenticates the to-be-purchased product and sends a product authentication result to the first node;
s203, the first node receives the authentication result, confirms the to-be-purchased article according to the result, sends the relevant information of the confirmed to-be-purchased article to the corresponding payment bank, and simultaneously requests credit authentication to the product authentication block, and the product authentication block performs credit authentication on the confirmed to-be-purchased article and sends a credit authentication report to the first node;
s204, the first node and the second node send out a contract filing request to a contract filing block, the request is identified in agreement and fills in a purchase and sale contract respectively, and a national supervision bank authorizes the amount of a credit contract according to the trade relationship between the countries of the first node and the second node, the credit value and the purchase and sale contract and sends an authorization notice to the second node;
in this embodiment, the national regulation bank account can only be used for periodic settlement, and the total balance of the account is presented in currency. The total balance of the account of the domestic credit settlement block stores credit value.
S205, the second node receives the authorization notice, organizes delivery and uploads delivery information to the logistics authentication block;
s206, after the first node confirms receipt, the logistics authentication block and the first node respectively send the receipt information and the goods inspection confirmation information to the second node, the second node receives the receipt information and the goods inspection confirmation information and sends the receipt information and the goods inspection confirmation information to the credit settlement block, and the credit settlement block updates the credit value corresponding to the first node and the second node on the credit settlement block according to the transaction information between the first node and the second node.
In this embodiment, a credit settlement block is provided with a personal and legal settlement account, the personal or legal transaction obtains a credit value and stores the credit value in the credit settlement block account, the credit settlement transaction of a national supervision bank account and the settlement with the personal or legal credit account are automatically executed through a cone zone block chain international trade credit settlement intelligent contract, the credit value reliability is ensured through constructing a cone zone block chain platform and through a consensus mechanism and non-falsification of the cone zone block chain, the calculation offset operation is performed on the related credit value through the national supervision bank account, and meanwhile, the real-time authentication of the credit settlement in the supply chain and the participation of multiple nodes, products, logistics, services and banks on the chain is realized in the platform constructed on an application layer.
In one embodiment, an international trade credit settlement authentication method is provided, further comprising a step in which a credit settlement block transmits charge sending information and charge receiving information to a first node and a second node, respectively.
In one embodiment, an international trade credit settlement authentication method is provided, which further comprises the following step, and periodic settlement is adopted between the first node and the second node.
In this embodiment, in a settlement period agreed by the first node and the second node, for example, a month end, the national supervision bank transfers the settlement amount provided by the settlement period block corresponding to the first node and the second node in the period to the bank account corresponding to the first node and the second node, and performs broadcast consensus.
In one embodiment, an international trade credit settlement authentication method is provided, which includes the specific steps of authenticating identity through an identity authentication block: collecting the living organism information and the identity information of a login user, and generating a private key in real time; generating a public key through the private key, and starting a distributed key management protocol; updating the key, broadcasting and verifying in the pyramidal block chain network; encrypting and decrypting the transaction information by using the secret key and the digital signature; the administrator verifies the information; and after the authentication is successful, uploading the authentication information to the cone block chain.
In one embodiment, an international trade credit settlement authentication method is provided, wherein the credit value of the credit settlement block and the international trade maximum national currency ratio are 1: 1.
In this embodiment, the largest international trade country is china, and the ratio of the credit value of the credit settlement center to the renminbi is set to 1: 1; if the value of the credit settlement block after periodic settlement is larger than the exchange rate of the national regulatory bank account currency sum multiplied by the RMB credit value, the international trade of the country is good, otherwise, the international trade is bad, specifically,
setting the total balance of the account of the national supervision bank of the country of the first node as b, the exchange rate of credit value of the country of the first node as r, the total balance of the account of the national credit settlement block as c, the periodic credit settlement rate as s, and c1 as the credit value amount of the credit settlement account,
if c is larger than or equal to b multiplied by r and is trade sequential error relative to the country of the first node, the first node adopts periodic settlement corresponding to the account of the credit settlement block, and the periodic settlement amount is the total amount of the purchased articles in a period;
if c < b × r is the trade difference relative to the country of the first node, when the first node adopts periodic settlement corresponding to the credit settlement block account, the periodic settlement amount S1 is: s1 ═ c1 × S × r.
In one embodiment, an international trade credit settlement authentication method is provided, if the country corresponding to the first node is a trade adversity, the trade is regulated by adding service fee regulation and/or national tax regulation to the adversity, specifically,
1. the method for adjusting the service charge added to the credit value periodic settlement contrary difference of the cone block chain international trade system comprises the following steps:
1.1 setting credit value adverse difference starting value and adverse difference collection rate, opening a home service collection account and a bank service charge account in a credit settlement block, and calculating service collection according to the credit value trading amount proportion; the eigenvalue is the result of consensus of each node of the cone alliance chain;
1.2 the adverse country transaction purchaser purchases with the native currency, and the transaction payment amount is the transaction contract amount + contract amount service ratio;
1.3 transaction settlement and periodic settlement processes are the same as above.
2. The method for adjusting the adverse difference of national tax of credit settlement of the cone block chain trading system comprises the following steps:
2.1 setting tax accounts and bank accounts corresponding to the credit settlement accounts in the credit settlement block, wherein the national adverse-difference regulation can be set with integral international trade adverse-difference regulation tax and trade adverse-difference tax between two countries;
2.2 the adverse country transaction purchaser purchases with the native currency, and the transaction payment amount is contract amount + service charge credit amount + contract amount + adverse tax collection rate;
2.3 transaction Settlement and periodic Settlement procedures are as above.
The invention applies the cone block chain structure to the international trade system, generates credit value through transaction and settles credit, each transaction party achieves consensus, and shares the credit settlement information in real time, thus ensuring transaction transparence and fairness; the invention can also realize the real-time authentication of international trade credit, including identity authentication, product authentication, contract filing authentication, logistics authentication and settlement authentication, wherein the credit authentication includes but is not limited to the above, and the credit authentication of the whole process forms an international trade credit authentication chain.
The credit certification important information is stored in a chain mode, can be traced in real time and cannot be tampered, in addition, the cone block chain technical architecture is a three-dimensional network stereoscopic architecture formed by government code chain, and a cone alliance chain dominated by the government can solve the problem that the whole trade process is not supervised. The invention can also solve the problem that foreign exchange reserves restrict international trade, and the problem that global currency expansion affects other countries and international investment.
As shown in fig. 3, in one embodiment, a system of an international trade credit settlement authentication method is provided, which includes a first node and a second node applied in a cone block chain, wherein an identity authentication block, a product authentication block, a contract filing authentication block, a logistics authentication block, a credit settlement block and a national supervision bank are deployed on the cone block chain; wherein the content of the first and second substances,
the identity authentication block comprises a human-computer-integrated authentication block, a personal identity authentication block and a legal identity authentication block;
the first node and the second node are respectively connected with a human-computer integrated authentication block, a personal identity authentication block and a legal identity authentication block, and are also respectively connected with a product authentication block, a contract filing authentication block, a logistics authentication block, a credit settlement block and a national supervision bank;
the product authentication block is respectively connected with the contract filing authentication block and the logistics authentication block;
the credit settlement block is connected with a national supervision bank.
The above description is only a preferred embodiment of the international trade credit settlement authentication method and system disclosed in the present invention, and is not intended to limit the scope of protection of the embodiments of the present specification. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the embodiments of the present disclosure should be included in the protection scope of the embodiments of the present disclosure.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The embodiments in the present specification are all described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Claims (10)
1. An international trade credit settlement authentication method is characterized by comprising the following steps:
the identity of a login request sent by a first node is authenticated through an identity authentication block, the login request can log in a trading platform in a cone block chain network after the authentication is passed, and a to-be-purchased article is selected from the trading platform;
the product authentication block authenticates the to-be-purchased product and sends a product authentication result to the first node;
the first node receives the authentication result, confirms the to-be-purchased article according to the result, sends the relevant information of the confirmed to-be-purchased article to the corresponding payment bank, and simultaneously requests credit authentication to the product authentication block, and the product authentication block performs credit authentication on the confirmed to-be-purchased article and sends a credit authentication report to the first node;
the first node and the second node send out contract filing requests to the contract filing block, the requests are identified in common and fill in purchase and sale contracts respectively, and the national supervision bank authorizes the amount of a credit contract according to the trade relation between the countries of the first node and the second node, the credit value and the purchase and sale contract and sends an authorization notice to the second node;
the second node receives the authorization notice, organizes delivery and uploads delivery information to the logistics authentication block;
after the first node confirms the receipt, the logistics authentication block and the first node respectively send the receipt information and the goods inspection confirmation information to
And the credit settlement block updates the credit values corresponding to the first node and the second node on the credit settlement block according to the transaction information between the first node and the second node.
2. The international trade credit settlement authenticating method according to claim 1, further comprising the steps of:
the credit settlement block sends the sending information and the receiving information to the first node and the second node respectively.
3. An international trade credit settlement authentication method as claimed in claim 1, wherein periodic settlement is adopted between the first node and the second node.
4. The international trade credit settlement authenticating method according to claim 1, wherein the authenticating the identity through the identity authentication block comprises the steps of:
collecting the living organism information and the identity information of a login user, and generating a private key in real time;
generating a public key through the private key, and starting a distributed key management protocol;
updating the key, broadcasting and verifying in the pyramidal block chain network;
encrypting and decrypting the transaction information by using the secret key and the digital signature;
the administrator verifies the information;
and after the authentication is successful, uploading the authentication information to the cone block chain.
5. The international trade credit settlement authentication method according to claim 1, wherein the credit value of the credit settlement block is 1:1 to the international trade maximum national currency ratio.
6. The international trade credit settlement authentication method according to claim 1, wherein the trade relationship between the countries of the first node and the second node includes trade fair and trade adverse.
7. The international trade credit settlement authentication method of claim 6, wherein the total balance of the account of the national regulatory bank in the country of the first node is set as b, the exchange rate of the credit value of the country of the first node is set as r, the total balance of the account of the local credit settlement block is set as c, the periodic credit settlement rate is set as s,
if c is larger than or equal to b multiplied by r and is trade sequential error relative to the country of the first node, the first node adopts periodic settlement corresponding to the account of the credit settlement block, and the periodic settlement amount is the total amount of the purchased articles in a period;
if c < b × r is the trade difference relative to the country of the first node, the periodic settlement amount is S1 when the first node adopts periodic settlement corresponding to the credit settlement block account, and the calculation formula is: s1 ═ c1 × S × r,
wherein c1 is the credit amount of the credit settlement account.
8. An international trade credit settlement authenticating method as recited in claim 7, further comprising the steps of:
and if the country corresponding to the first node is the trade reversed difference, adding two ways of service fee adjustment and/or national tax through the reversed difference for adjustment.
9. The international trade credit settlement authenticating method according to claim 1, further comprising the steps of:
receiving an invoicing application of the first node, extracting transaction information between the first node and the second node to generate corresponding tax information, generating an electronic tax invoice according to the tax information, and sending the electronic tax invoice to the first node.
10. The authentication system applying the international trade credit settlement authentication method of any one of claims 1 to 9, comprising a first node and a second node applied to a cone block chain, wherein an identity authentication block, a product authentication block, a contract record authentication block, a logistics authentication block, a credit settlement block and a national supervision bank are deployed on the cone block chain; wherein the content of the first and second substances,
the identity authentication block comprises a human-computer-integrated authentication block, a personal identity authentication block and a legal identity authentication block; the first node and the second node are respectively connected with a human-computer integrated authentication block, a personal identity authentication block and a legal identity authentication block, and are also respectively connected with a product authentication block, a contract filing authentication block, a logistics authentication block, a credit settlement block and a national supervision bank;
the product authentication block is respectively connected with the contract filing authentication block and the logistics authentication block;
the credit settlement block is connected with a national supervision bank.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202110571441.7A CN113222603A (en) | 2021-05-25 | 2021-05-25 | International trade credit settlement authentication method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110571441.7A CN113222603A (en) | 2021-05-25 | 2021-05-25 | International trade credit settlement authentication method and system |
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| CN114154981A (en) * | 2021-08-16 | 2022-03-08 | 北京天德科技有限公司 | Interaction method for block chain and big data platform in real-time settlement and supervision system |
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