CN113919938A - Domestic buyer's warranty financing method, device, equipment and medium based on block chain - Google Patents
Domestic buyer's warranty financing method, device, equipment and medium based on block chain Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The application discloses a domestic buyer's warranty financing method, device, equipment and medium based on block chain, the domestic buyer's warranty financing method makes full use of the distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature and the identity authentication technology in the block chain, so that the certificates of contracts, receipts and the like in each business stage of the domestic buyer's warranty financing process can be quickly and accurately verified on the chain, the authenticity and the non-falsification of the data are guaranteed, the public transparency of the data under the compliance identity management is realized, the requirement of data sharing is met, the data sharing range is controlled by a data owner, and the leakage of confidential data of enterprises is prevented, and further, the efficiency of the whole process is improved, the time is saved, the cost is reduced, the financing process is simplified, and the rapid and safe operation of the transaction can be promoted.
Description
Technical Field
The present application relates to the field of blockchain technologies, and in particular, to a method, an apparatus, a device, and a medium for domestic buyer warranty financing based on blockchain.
Background
The term "health care" is derived from English Factoring, which has a closely connected source relationship with the early commercial activities of human beings, and the appearance of modern international health care can catch the end of the 19 th century. It was originally formed by the evolution of the U.S. recent business agency activities, introduced into the continental europe in the 20 th century for 60 years, and developed rapidly in combination with the traditional banking trade financing activities in european countries. The warranty is a comprehensive financial service. In the insurance service, the seller enterprises transfer the accounts receivable generated based on the commodity sale (or) service contract with the buyer to the insurance manager at present or in the future, and the insurance manager provides four services of trade financing, sale account management, accounts receivable urging, credit risk control and bad account guarantee for the sellers.
The conventional business of the warranty service has the following problems:
there should be a receivables quality risk.
Large amount of capital is occupied by credit on strong downstream, and particularly, the turnover of liquidity capital is difficult for small and medium-sized enterprises due to unsmooth financing channels;
② difficult financial management.
The receivable account management system has the characteristics of scattered receivable accounts, high maintenance cost and no specialization;
credit risk of buyer
Specifically, the risk of credit: the receivables transfer and acceptance are the core of the warranty business, and the separation of the borrower from the payor is a significant feature that distinguishes them from loans.
Disclosure of Invention
On the one hand, the application provides a domestic buyer's warranty financing method based on a block chain, so as to solve the technical problems of difficult supervision, low efficiency and high risk of the existing warranty service.
The technical scheme adopted by the application is as follows:
a domestic buyer's warranty financing method based on block chain includes the following steps:
s1, the core supply chain enterprise node and the seller node jointly sign and confirm the authenticity and the validity of the trade contract which is drawn by the financing enterprise node and the seller node and is deployed on the blockchain;
s2, the third-party logistics node signs a transportation bill and records the chain after receiving the product produced by the seller node according to the delegation, the seller node confirms the signature, the buyer node signs the account receivable credentialing certificate and records the chain after receiving the product, and the seller node confirms the signature;
s3, after receiving a warranty application and a loan guarantee agreement submitted by a financing enterprise node and a supply chain core enterprise node respectively and signing and confirming a chain, the financing bank node draws up an account receivable debt right transfer agreement and signs the chain according to credit investigation reports of the financing enterprise node obtained by a third-party credit institution node and an Oracle node, and after the core supply chain enterprise node and the financing enterprise node carry out Hash signature and confirm a loan contract, an intelligent contract confirmed by multiple parties is formed on the block chain;
s4, the financing bank node sends financing prepayment to the financing enterprise node according to a certain proportion of the trade contract amount, and after the two parties carry out Hash signature confirmation, the transfer record is recorded on the chain; the financing enterprise node transfers accounts to the core supply chain enterprise node according to the pre-payment property, and records the account transfer record on the chain after the Hash signature confirmation is carried out by the two parties;
s5, the financing enterprise node sets a special money-returning account, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special money-returning account under the automatic execution of an intelligent contract, and the Oracle node links the transfer record of the consumer node and confirms the signature;
and S6, the intelligent contract automatically takes effect according to the repayment agreement, the financing enterprise node, the financing bank node and the core supply chain enterprise node all carry out signature confirmation collection, and the related transfer records are placed in the blocks of the block chain until the order is completed.
Further, the step S1 specifically includes the steps of:
s11, after the financing enterprise node and the seller node draw up the trade contract, the financing enterprise node starts to deploy the trade contract on the blockchain;
and S12, verifying by the aid of the public key of the financing enterprise node, determining authenticity and validity of the trade contract, and performing signature confirmation by the aid of the private key of the core supply chain enterprise node and the seller node.
Further, the step S2 specifically includes the steps of:
s21, a seller node produces a product, a third-party logistics node is entrusted to convey the product, and the third-party logistics node receives the product and signs a transportation order and records the transportation order on a chain;
s22, confirming the signature after the seller node confirms that the contents of the shipping bill are correct;
and S23, the buyer node signs the receivable account creditor certificate after receiving the product, and the seller node signs the certificate after confirming the certificate is correct.
Further, the step S3 specifically includes:
s31, the financing enterprise node deploys a warranty application form and uploads the warranty application form to a block chain, and the financing bank node verifies a signature and records the signature on the chain after receiving the warranty application form;
s32, submitting a loan guarantee agreement to the financing bank node by the core enterprise node of the supply chain and uploading the loan guarantee agreement to the block chain, and auditing and recording a signature on the chain after the financing bank node receives the loan guarantee agreement;
s33, after the financing bank node negotiates with the third-party credit worthiness institution node, initiating a consignment contract for investigating the credit worthiness condition of the financing enterprise to the third-party credit worthiness institution node and recording the consignment contract on a chain;
s34, the third-party credit investigation organization node utilizes the public key to verify, confirms that the entrustment contract is received, utilizes the private key of the third-party credit investigation organization node to carry out signature confirmation and records the signature confirmation on the chain;
s35, the third-party credit worthiness organization node requests credit investigation data of the financing enterprise node from the Oracle node, and the Oracle node receives the application and sends the credit investigation data of the financing enterprise node to the third-party credit worthiness organization node;
s36, after receiving credit investigation data of the financing enterprise nodes, the third-party credit accreditation organization nodes arrange the credit investigation data to generate credit investigation report signatures about the financing enterprise nodes, confirm the signatures, upload the signatures to a block chain, and after receiving the credit investigation reports, the financing bank nodes confirm the signatures and chain the signatures;
and S37, the financing bank node draws up an accounts receivable and debt right transfer agreement, performs Hash signature and endorsement, uploads the agreement to a block chain, guarantees the transaction by the core supply chain enterprise node, performs Hash signature with the financing enterprise node, confirms the loan contract and forms an intelligent contract confirmed by multiple parties on the block chain.
Further, the credit investigation data of the financing enterprise node comprises principal qualification to borrowers, industry conditions, operation capacity, financial conditions, tax payment conditions, loan conditions and credit rating.
Further, the step S4 specifically includes:
s41, the financing bank node sends financing pre-payment according to a certain proportion of the amount of the trade contract and carries out Hash signature, and after the financing enterprise node collects money and carries out Hash signature to confirm account transfer, the account transfer record is recorded on a chain;
and S42, transferring accounts to a core supply chain enterprise node by the financing enterprise node according to the pre-payment property, carrying out Hash signature confirmation on the account transfer by the core supply chain enterprise node, and placing a confirmed account transfer record on the block chain.
This application on the other hand still provides a domestic buyer's insurance and financing device based on block chain, includes:
the trade contract signing module is used for the core supply chain enterprise node and the seller node to jointly sign and confirm the authenticity and the effectiveness of the trade contract which is drawn by the financing enterprise node and the seller node and is deployed on the blockchain;
the production and delivery module is used for signing the transportation bill and recording the chain after the third-party logistics node receives the product produced by the seller node according to the entrustment, confirming the signature by the seller node, signing the account receivable credentialing certificate after the buyer node receives the product and recording the chain, and confirming the signature by the seller node;
the insurance policy and financing application module is used for the financing bank node to draw up the account receivable debt right transfer protocol and sign the uplink according to the credit investigation report of the financing enterprise node obtained by the third party credit institution node and the Oracle node after receiving the insurance policy and loan guarantee protocol respectively submitted by the financing enterprise node and the supply chain core enterprise node and sign the uplink, and the core supply chain enterprise node and the financing enterprise node form an intelligent contract confirmed by multiple parties on the block chain after Hash signature confirms the loan contract;
the financing prepayment issuing module is used for issuing financing prepayment to the financing enterprise node by the financing bank node according to a certain proportion of the amount of the trade contract, and recording transfer records on the chain after Hash signature confirmation is carried out by the financing enterprise node and the financing bank node; the financing enterprise node transfers accounts to the core supply chain enterprise node according to the pre-payment property, and records the account transfer record on the chain after the Hash signature confirmation is carried out by the two parties;
the selling and refunding module is used for setting a special refunding account for the financing enterprise node, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special refunding account under the automatic execution of an intelligent contract, and the Oracle node links the transfer record of the consumer node and confirms the signature;
and the repayment module is used for automatically taking effect according to the repayment agreement by the intelligent contract, signing and confirming the collection of the money by the financing enterprise node, the financing bank node and the core supply chain enterprise node, and placing the related transfer records in the block of the block chain until the order is completed.
The application also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor executes the program to realize the domestic buyer insurance financing method based on the block chain.
The application also provides a storage medium, which comprises a stored program, and when the program runs, the device on which the storage medium is positioned is controlled to execute the domestic buyer insurance financing method based on the block chain.
Compared with the prior art, the method has the following beneficial effects:
the invention provides a domestic buyer's warranty financing method, device, equipment and medium based on a block chain, the method makes full use of the distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature, the identity authentication and other technologies in the block chain, so that the certificates of contracts, receipts and the like of each business stage of the financing mode process of difference purchase in supply chain financial prepayment can be accurately verified on the chain at high speed, thereby improving the efficiency of the whole process, saving time, reducing cost, simplifying the financing process and promoting the rapid operation of transaction. The method and the system have the advantages that the block chain technology is applied, authenticity and non-falsification of data are guaranteed, the data are disclosed and transparent, all participating main bodies in the whole trade financing process are effectively solved, particularly the problem of information asymmetry among a supplier, a distributor and a financing bank is solved, the loan risk of the bank is reduced, trust of all links of the supplier, the distributor, the financing bank and the like is solved, rights and interests of all parties are guaranteed, and by the aid of the technologies, all participating main bodies are transparent in information, so that the benefits of the participating main bodies can be effectively prevented from being damaged, and smooth cooperation is promoted. The method and the system have the advantages that the block chain technology is adopted to publish the complete information of domestic insurance and financing in the financial accounts receivable of the whole supply chain on the chain, through the consensus mechanism and repeated confirmation of all nodes, people keep accounts, the fact that the information cannot be tampered and is transparently disclosed is guaranteed, the information is complete, lossless, real and reliable, and credit risks of all parties are reduced. Each important participating node forms a chain by utilizing a block chain technology, transaction information of each node is recorded and linked, the whole process is public and transparent, the security and the efficiency of transaction are improved, the credit problem of each participating main body is solved, a trust mechanism in trade is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved. The method and the device utilize technologies such as asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature and identity authentication in the block chain, replace processes such as examination, order making, telegraph and mailing and the like of a large amount of manpower and time occupied in the traditional settlement process, improve the verification efficiency of various document certificates, simplify the financing process of the financial accounts receivable Chinese insurance policy of the supply chain, and promote the intelligent and rapid operation of the whole financing process on the premise of ensuring the safety.
In addition to the objects, features and advantages described above, other objects, features and advantages will be apparent from the present application. The present application will now be described in further detail with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:
fig. 1 is a network deployment diagram of the preferred embodiment of the present application.
FIG. 2 is a block chain-based domestic buyer insurance financing method flow diagram in the preferred embodiment of the present application.
Fig. 3 is a service timing diagram of a domestic buyer's insurance financing method based on block chain according to another preferred embodiment of the present application.
Fig. 4 is a schematic service structure diagram of a domestic buyer's insurance financing method based on block chain according to another preferred embodiment of the present application.
FIG. 5 is a block chain based domestic buyer insurance financing facility module of the preferred embodiment of the present application.
Fig. 6 is a schematic block diagram of an electronic device entity according to a preferred embodiment of the present application.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
For the convenience of understanding, technical terms and multi-party nodes involved in the blockchain-based domestic buyer's policy financing method will be explained first.
The block chain technology, also called as distributed book technology, is an emerging technology in which a plurality of computer devices participate in 'accounting' together, and maintain a complete distributed database together. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. Broadly, the blockchain technique is a completely new distributed infrastructure and computing approach that utilizes blockchain data structures to verify and store data, utilizes distributed node consensus algorithms to generate and update data, utilizes cryptography to secure data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data.
The intelligent contract technology is essentially a program written in a certain computing programming language, which is stored in a container provided by a blockchain system and automatically runs under the trigger of a certain external or internal condition. The intelligent contract is reflected in the real world, the rules in the real world are realized by using a computer language, the machine is ensured to automatically execute the preset intelligent contract calculation under certain conditions, and the rules cannot be tampered once fixed. An intelligent contract is a special protocol that aims to provide, validate and execute contracts. In particular, smart contracts are an important reason why blockchains are referred to as "decentralized," which allows us to perform traceable, irreversible, and secure transactions without the need for third parties. The intelligent contract contains all information about the transaction, is subject to a binding digital protocol, and performs the resulting operation only after the requirements are met.
The asymmetric encryption technology is different from symmetric encryption, keys used in the encryption and decryption processes of the asymmetric encryption are different and are divided into public keys and private keys, when the public keys are used for encrypting data, only the corresponding private keys can be used for decryption, when the private keys are used for encrypting data, only the corresponding public keys can be used for decryption, two users are supposed to encrypt and exchange data, the public keys are exchanged by the two users, one party is encrypted by the public key of the other party during use, and the other party can be used for decryption by the private key of the other party. Suppose A encrypts the message by the public key of B and signs by the private key of A, B receives the message, firstly verifies the signature by the public key of A, and decrypts the message by the private key of B after confirmation. Since the public key can be made public, the user only needs to keep the own private key, so the distribution of the encryption key becomes very simple. Meanwhile, because the private key of each user is unique, other users can verify whether the source of the information is real or not through the public key of the information sender, and the sender can be ensured not to deny that the information is sent once through the digital signature. Currently, the asymmetric encryption algorithm is usually used as RSA algorithm and elliptic curve algorithm (ECSDA).
The Hash algorithm, which is a very fundamental and important computer algorithm, can map binary plaintext strings of any length into shorter binary strings (Hash values) of fixed length, and different plaintext is difficult to map into the same Hash value. An excellent Hash algorithm can implement the following functions: forward fast, reverse difficult, input sensitive, collision avoidance, and therefore, the Hash algorithm is also called fingerprint (fingerprint) or digest (digest).
The digital identity is authenticated by adopting a digital signature technology, the digital signature utilizes the principle of cryptography, has uniqueness relative to a signer during use, and is computationally infeasible to forge a digital signature, so that the real identity of the signer can be identified through the digital signature, and the identity cannot be repudiated.
Digital time-stamp (digital time-stamp) is a technology for safely confirming and efficiently maintaining the transaction or the specific time of the transaction in the network, and has legal effectiveness and no way for any organization or person to tamper with the timestamp to confirm the transaction or the time and date of the transaction. All nodes participating in transaction data recording in the block chain can guarantee the occurrence time of the written block data to be real and effective through time verification of the digital time stamps, and therefore reliable time guarantee is provided for the data input sequence and the chain storage in the block chain. The time stamp ensures that the occurrence time of the historical transaction has non-falsification and non-repudiation, and all historical data can be sequentially traced through the time stamp.
The digital certificate is an electronic document issued by a CA authentication center, is a string of numbers capable of indicating network user identity information, and provides a way of verifying the identity of a network user on a computer network, so the digital certificate is also called digital identification. The digital certificate guarantees the integrity and safety of information and data in the computer network traffic of network users in an encrypted or decrypted form.
The consensus mechanism is used for completing the verification and confirmation of the transaction in a short time through the voting of special nodes; for a transaction, if several nodes with irrelevant benefits can achieve consensus, we can consider that the whole network can achieve consensus for the node.
Aiming at the defects in the prior art, the technical scheme adopted by the application is divided into four parts, namely a block chain subsystem, an identity authentication subsystem and an intelligent contract subsystem.
Block chain subsystem: the system is used for storing transaction data of a transaction process, ensuring that the data cannot be tampered, providing trustable data and being capable of inquiring and tracing the transaction data.
The identity authentication subsystem: the identity of each participating node is uniquely identified by technologies such as asymmetric encryption, a hash algorithm and the like, and the participating party of each transaction is verified, so that the bill cannot be counterfeited, and the data safety and privacy are ensured.
The intelligent contract subsystem: the method is used for realizing the automatic execution of the whole transaction process, and the system automatically executes the next step when the transaction triggering condition is reached, so that a lot of manual operations are saved, and the rule can be ensured to be executed in a determined manner.
As shown in the network deployment diagram of fig. 1, the network node for domestic buyer financing service based on block chain includes:
(ii) Oracle node (prophetic machine): a platform for providing external information, which can allow the block chain to be connected to any existing API, and can import, store and export information related to network nodes on the block chain, thereby realizing dynamic acquisition of the information;
seller nodes: the creditor should be billed.
Third, financing enterprise node: an enterprise initiating a financing application to a bank. After a financing enterprise initiates a financing application to a bank, the financing enterprise acquires the loan of the bank, carries out trade activities, and returns the financing information of the bank after goods are returned;
fourthly, enterprise nodes of the core supply chain: the core supply chain enterprise is a core enterprise in the industry, such as a production manufacturing enterprise, a distribution service provider or a competitive third party and fourth party logistics enterprise in the industry supply chain;
fifthly, financing bank node: a bank providing trade financing for financing enterprises;
sixthly, the buyer node: the receivables debtors.
Seventh, third-party logistics nodes: providing transportation and warehousing services for goods.
B, the consumer nodes: a business that purchases a product from a buyer.
Ninthly, third-party credit establishment node: the system refers to a mediation legal person unit which is approved and established according to related laws and regulations, collects enterprise and personal credit information, provides enterprise and personal credit information inquiry, rating and inquiry services for enterprise and personal credit information users and operates independently.
As shown in fig. 2, a preferred embodiment of the present application provides a block chain-based domestic buyer warranty financing method, which includes the steps of:
s1, the core supply chain enterprise node and the seller node jointly sign and confirm the authenticity and the validity of the trade contract which is drawn by the financing enterprise node and the seller node and is deployed on the blockchain;
s2, the third-party logistics node signs a transportation bill and records the chain after receiving the product produced by the seller node according to the delegation, the seller node confirms the signature, the buyer node signs the account receivable credentialing certificate and records the chain after receiving the product, and the seller node confirms the signature;
s3, after receiving a warranty application and a loan guarantee agreement submitted by a financing enterprise node and a supply chain core enterprise node respectively and signing and confirming a chain, the financing bank node draws up an account receivable debt right transfer agreement and signs the chain according to credit investigation reports of the financing enterprise node obtained by a third-party credit institution node and an Oracle node, and after the core supply chain enterprise node and the financing enterprise node carry out Hash signature and confirm a loan contract, an intelligent contract confirmed by multiple parties is formed on the block chain;
s4, the financing bank node sends financing prepayment to the financing enterprise node according to a certain proportion of the trade contract amount, and after the two parties carry out Hash signature confirmation, the transfer record is recorded on the chain; the financing enterprise node transfers accounts to the core supply chain enterprise node according to the pre-payment property, and records the account transfer record on the chain after the Hash signature confirmation is carried out by the two parties;
s5, the financing enterprise node sets a special money-returning account, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special money-returning account under the automatic execution of an intelligent contract, and the Oracle node links the transfer record of the consumer node and confirms the signature;
and S6, the intelligent contract automatically takes effect according to the repayment agreement, the financing enterprise node, the financing bank node and the core supply chain enterprise node all carry out signature confirmation collection, and the related transfer records are placed in the blocks of the block chain until the order is completed.
The invention provides a domestic buyer's warranty financing method, device, equipment and medium based on a block chain, and the method makes full use of the distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the hash algorithm, the digital signature, the identity authentication and other technologies in the block chain, so that the certificates of contracts, receipts and the like of each business stage of the financing mode process of differential repurchase in the financial prepayment of a supply chain can be verified accurately and quickly on the chain, thereby improving the efficiency of the whole process, saving time, reducing cost, simplifying the financing process and promoting the rapid operation of transaction. The embodiment applies the block chain technology, guarantees authenticity and non-falsification of data, realizes public and transparent data, effectively solves the problem of information asymmetry among all participating main bodies in the whole trade financing process, particularly between a supplier, a distributor and a financing bank, reduces loan risk of the bank, solves the trust of all links of the supplier, the distributor, the financing bank and the like, ensures rights and interests of all parties, and effectively prevents own interests from being damaged and promotes smooth cooperation by the aid of the technology and the transparent information of all participating main bodies. In the embodiment, the complete information of domestic insurance and financing in the financial accounts receivable of the whole supply chain is published on the chain through a block chain technology, through the consensus mechanism and repeated confirmation of all nodes, people keep accounts, the information is guaranteed to be not falsified and transparently disclosed, the information is guaranteed to be complete, lossless, real and reliable, and the credit risk of all parties is reduced. In the embodiment, each important participating node forms a chain by using a block chain technology, and the transaction information of each node is recorded and linked up, so that the whole process is public and transparent, the security and efficiency of the transaction are improved, the credit problem of each participating main body is solved, a trust mechanism in the trade is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved. According to the embodiment, technologies such as an asymmetric encryption technology, an intelligent contract technology, a Hash algorithm, a digital signature and identity authentication in a block chain are utilized, processes such as examination, order making, telegraph and mailing and the like of a large amount of manpower and time occupied in the traditional settlement process are replaced, the verification efficiency of various document certificates is improved, the financing process of the financial accounts receivable Chinese inner insurance in a supply chain is simplified, and the intelligent and rapid operation of the whole financing process on the premise of ensuring the safety can be promoted.
In a preferred embodiment of the present application, the step S1 specifically includes the steps of:
s11, after the financing enterprise node and the seller node draw up the trade contract, the financing enterprise node starts to deploy the trade contract on the blockchain;
and S12, verifying by the aid of the public key of the financing enterprise node, determining authenticity and validity of the trade contract, and performing signature confirmation by the aid of the private key of the core supply chain enterprise node and the seller node.
In the process of signing a trade contract, firstly, after a financing enterprise node and a seller node draw up the trade contract, the financing enterprise node starts to deploy the trade contract on a block chain; and then, the core supply chain enterprise node and the seller node verify by using the public key of the financing enterprise node, determine the authenticity and validity of the trade contract and verify by using the private key of the seller node. Related document information is published on a chain after being digitally signed by each related node in a collaborative process by a financing enterprise node, a seller node and a core supply chain enterprise node, and through a consensus mechanism and repeated confirmation of each node, the person accounts, the information is guaranteed to be untrustable and transparently published, the transport information is guaranteed to be complete, lossless, real, reliable, real-time and controllable, and financing risk is reduced.
In a preferred embodiment of the present application, the step S2 specifically includes the steps of:
s21, a seller node produces a product, a third-party logistics node is entrusted to convey the product, and the third-party logistics node receives the product and signs a transportation order and records the transportation order on a chain;
s22, confirming the signature after the seller node confirms that the contents of the shipping bill are correct;
and S23, the buyer node signs the receivable account creditor certificate after receiving the product, and the seller node signs the certificate after confirming the certificate is correct.
In the production and delivery process, a seller node produces a product, a third-party logistics node is entrusted to deliver the product, and the third-party logistics node receives a product post-signing transportation order and records the product post-signing transportation order on a chain; then the seller node confirms the signature after confirming that the contents of the shipping bill are correct; and finally, the buyer node receives the product and then issues an accounts receivable and creditable certificate, and the seller node confirms that the product is signed without errors. Related document information is digitally signed by each related node and then published on a chain in the cooperation process of the seller node, the third-party logistics node and the buyer node, and through the consensus mechanism and repeated confirmation of each node, the person accounts, the information is guaranteed to be untrustable and transparently disclosed, the integrity, the non-damage, the trueness, the reliability, the real-time controllability and the financing risk are guaranteed, and the transportation information is guaranteed to be complete, real, reliable and controllable.
In a preferred embodiment of the present application, the step S3 specifically includes the steps of:
s31, the financing enterprise node deploys a warranty application form and uploads the warranty application form to a block chain, and the financing bank node verifies a signature and records the signature on the chain after receiving the warranty application form;
s32, submitting a loan guarantee agreement to the financing bank node by the core enterprise node of the supply chain and uploading the loan guarantee agreement to the block chain, and auditing and recording a signature on the chain after the financing bank node receives the loan guarantee agreement;
s33, after the financing bank node negotiates with the third-party credit worthiness institution node, initiating a consignment contract for investigating the credit worthiness condition of the financing enterprise to the third-party credit worthiness institution node and recording the consignment contract on a chain;
s34, the third-party credit investigation organization node utilizes the public key to verify, confirms that the entrustment contract is received, utilizes the private key of the third-party credit investigation organization node to carry out signature confirmation and records the signature confirmation on the chain;
s35, the third-party credit worthiness organization node requests credit investigation data of the financing enterprise node from the Oracle node, and the Oracle node receives the application and sends the credit investigation data of the financing enterprise node to the third-party credit worthiness organization node;
s36, after receiving credit investigation data of the financing enterprise nodes, the third-party credit accreditation organization nodes arrange the credit investigation data to generate credit investigation report signatures about the financing enterprise nodes, confirm the signatures, upload the signatures to a block chain, and after receiving the credit investigation reports, the financing bank nodes confirm the signatures and chain the signatures;
and S37, the financing bank node draws up an accounts receivable and debt right transfer agreement, performs Hash signature and endorsement, uploads the agreement to a block chain, guarantees the transaction by the core supply chain enterprise node, performs Hash signature with the financing enterprise node, confirms the loan contract and forms an intelligent contract confirmed by multiple parties on the block chain.
In this embodiment, the credit investigation data of the financing enterprise node includes principal qualification to the borrower, industry status, operation capability, financial status, tax payment status, loan status, and credit rating.
When receiving a warranty financing application of a financing enterprise node, the embodiment first applies for a warranty financing application service from the financing enterprise node to an Oracle node through a third-party credit-accreditation organization node after the financing bank node accepts, requests credit data of the financing enterprise node from the Oracle node to obtain a credit investigation report of the financing enterprise node and signs a chain, then the financing bank node draws up an account receivable debt right transfer agreement, Hash signature and endorsement and uploads the agreement to a block chain, a core supply chain enterprise node guarantees the transaction, carries out Hash signature together with the financing enterprise node, confirms the loan contract and forms an intelligent contract confirmed by multiple parties on the block chain, the embodiment calls the credit data of the financing enterprise node and the like through the intervention of the third-party credit-accreditation organization node and the Oracle node, ensures the authenticity and reliability of the financing enterprise node information and prevents the creation of fake, thereby reducing the loan risk of the financing bank node.
In a preferred embodiment of the present application, the step S4 specifically includes the steps of:
s41, the financing bank node sends financing pre-payment according to a certain proportion of the amount of the trade contract and carries out Hash signature, and after the financing enterprise node collects money and carries out Hash signature to confirm account transfer, the account transfer record is recorded on a chain;
and S42, transferring accounts to a core supply chain enterprise node by the financing enterprise node according to the pre-payment property, carrying out Hash signature confirmation on the account transfer by the core supply chain enterprise node, and placing a confirmed account transfer record on the block chain.
In the process of issuing the financing pre-payment, firstly, financing bank nodes issue the financing pre-payment according to a certain proportion of the amount of a trade contract and carry out Hash signature, financing enterprise nodes collect money and carry out Hash signature to confirm account transfer, then account transfer records are recorded on a chain, then the financing enterprise nodes transfer the money to core supply chain enterprise nodes according to the property of the pre-payment, the core supply chain enterprise nodes carry out Hash signature confirmation on the account transfer and place the confirmed account transfer records on a block chain, and because relevant information involved in the process is published on the chain after being digitally signed by the relevant nodes, the information is identified and repeatedly confirmed by a consensus mechanism and repeated confirmation of the nodes, human accounting is carried out, the information can be guaranteed to be not tampered and transparently disclosed, the integrity, the authenticity, the reliability and the real-time controllability of the information are guaranteed, and the bank loan risk is reduced.
As shown in fig. 3 and 4, a preferred embodiment of the present application further provides a block chain-based domestic buyer insurance financing method, which includes the steps of:
s1, after the financing enterprise node and the seller node draw up a trade contract, the financing enterprise node starts to deploy the trade contract on the block chain.
S2, verifying by using a public key of the financing enterprise node by using a core supply chain enterprise node and a seller node, determining the authenticity and validity of the trade contract, and performing signature confirmation by using a private key of the core supply chain enterprise node and the seller node;
s3, the seller node produces the product, and entrusts a third-party logistics node to convey the product, and the third-party logistics node receives the product and signs a transportation order and records the transportation order on a chain;
s4, confirming the signature after the seller node confirms that the contents of the shipping bill are correct;
s5, the buyer node signs the receivable account creditor certificate after receiving the product, and the seller node signs the account after confirming the account is correct;
s6, the financing enterprise node deploys the warranty application form and uploads the warranty application form to the block chain, and the financing bank node verifies the signature and records the signature on the chain after receiving the warranty application form;
s7, submitting a loan guarantee agreement to the financing bank node by the core enterprise node of the supply chain and uploading the loan guarantee agreement to the block chain, and auditing and recording a signature on the chain after the financing bank node receives the loan guarantee agreement;
s8, after the financing bank node negotiates with a third-party credit worthiness institution node, initiating a consignment contract for investigating the credit worthiness condition of the financing enterprise to the third-party credit worthiness institution node and recording the consignment contract on a chain;
s9, the third-party credit investigation organization node utilizes the public key to verify, confirms that the entrustment contract is received, and utilizes the private key of the third-party credit investigation organization node to carry out signature confirmation and record the signature confirmation to the chain;
s10, the third-party credit worthiness organization node requests credit investigation data of the financing enterprise node from the Oracle node, and the Oracle node receives the application and sends the credit investigation data of the financing enterprise node to the third-party credit worthiness organization node;
s11, after receiving credit investigation data of the financing enterprise nodes, the third-party credit accreditation organization nodes arrange the credit investigation data to generate credit investigation report signatures about the financing enterprise nodes, confirm the signatures, upload the signatures to a block chain, and after receiving the credit investigation reports, the financing bank nodes confirm the signatures and chain the signatures;
and S12, the financing bank node draws up an accounts receivable and debt right transfer agreement, carries out Hash signature and endorsement and uploads the agreement to a block chain, the core supply chain enterprise node guarantees the transaction, carries out the Hash signature with the financing enterprise node, confirms the loan contract and forms an intelligent contract confirmed by multiple parties on the block chain.
S13, the financing bank node sends financing pre-payment according to a certain proportion of the amount of the trade contract and carries out Hash signature, and after the financing enterprise node collects money and carries out Hash signature to confirm account transfer, the account transfer record is recorded on a chain;
s14, transferring accounts to a core supply chain enterprise node by the financing enterprise node according to the pre-payment property, carrying out Hash signature confirmation on the account transfer by the core supply chain enterprise node, and placing a confirmed account transfer record on a block chain;
s15, the financing enterprise node sets a special money return account, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special money return account under the automatic execution of an intelligent contract, the Oracle node chains the transfer record of the consumer node, and the signature is confirmed;
and S16, the intelligent contract automatically takes effect according to the repayment agreement, the financing enterprise node, the financing bank node and the core supply chain enterprise node all carry out signature confirmation collection, and relevant transfer records are placed in blocks of the block chain until the order is completed.
As shown in fig. 5, a preferred embodiment of the present application further provides a domestic buyer's insurance financing device based on block chain, comprising:
the trade contract signing module is used for the core supply chain enterprise node and the seller node to jointly sign and confirm the authenticity and the effectiveness of the trade contract which is drawn by the financing enterprise node and the seller node and is deployed on the blockchain;
the production and delivery module is used for signing the transportation bill and recording the chain after the third-party logistics node receives the product produced by the seller node according to the entrustment, confirming the signature by the seller node, signing the account receivable credentialing certificate after the buyer node receives the product and recording the chain, and confirming the signature by the seller node;
the insurance policy and financing application module is used for the financing bank node to draw up the account receivable debt right transfer protocol and sign the uplink according to the credit investigation report of the financing enterprise node obtained by the third party credit institution node and the Oracle node after receiving the insurance policy and loan guarantee protocol respectively submitted by the financing enterprise node and the supply chain core enterprise node and sign the uplink, and the core supply chain enterprise node and the financing enterprise node form an intelligent contract confirmed by multiple parties on the block chain after Hash signature confirms the loan contract;
the financing prepayment issuing module is used for issuing financing prepayment to the financing enterprise node by the financing bank node according to a certain proportion of the amount of the trade contract, and recording transfer records on the chain after Hash signature confirmation is carried out by the financing enterprise node and the financing bank node; the financing enterprise node transfers accounts to the core supply chain enterprise node according to the pre-payment property, and records the account transfer record on the chain after the Hash signature confirmation is carried out by the two parties;
the selling and refunding module is used for setting a special refunding account for the financing enterprise node, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special refunding account under the automatic execution of an intelligent contract, and the Oracle node links the transfer record of the consumer node and confirms the signature;
and the repayment module is used for automatically taking effect according to the repayment agreement by the intelligent contract, signing and confirming the collection of the money by the financing enterprise node, the financing bank node and the core supply chain enterprise node, and placing the related transfer records in the block of the block chain until the order is completed.
As shown in fig. 6, another embodiment of the present application further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the block chain-based domestic buyer insurance financing method.
Another embodiment of the present application further provides a storage medium, where the storage medium includes a stored program, and when the program runs, the apparatus on which the storage medium is located is controlled to execute the block chain-based domestic buyer insurance financing method.
The method adopts a calculation programming language to preset a program, automatically runs when triggered by certain external or internal conditions, and executes the next operation only when the preset conditions are met, so that the machine automatically executes the preset intelligent contract calculation under certain conditions, and once the rules are fixed, the rules cannot be tampered, thereby ensuring the normalization of the business files and the correctness of the application operation. The block chain technology can improve the verification efficiency of banks, reduce bank risks, standardize the operation flow of nodes of manufacturing enterprises, improve the efficiency of financing business and standardize business flow.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
The functions of the method of the present embodiment, if implemented in the form of software functional units and sold or used as independent products, may be stored in one or more storage media readable by a computing device. Based on such understanding, part of the contribution to the prior art of the embodiments of the present application or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device) to execute all or part of the steps of the method described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (9)
1. A domestic buyer's warranty financing method based on block chain is characterized by comprising the following steps:
s1, the core supply chain enterprise node and the seller node jointly sign and confirm the authenticity and the validity of the trade contract which is drawn by the financing enterprise node and the seller node and is deployed on the blockchain;
s2, the third-party logistics node signs a transportation bill and records the chain after receiving the product produced by the seller node according to the delegation, the seller node confirms the signature, the buyer node signs the account receivable credentialing certificate and records the chain after receiving the product, and the seller node confirms the signature;
s3, after receiving a warranty application and a loan guarantee agreement submitted by a financing enterprise node and a supply chain core enterprise node respectively and signing and confirming a chain, the financing bank node draws up an account receivable debt right transfer agreement and signs the chain according to credit investigation reports of the financing enterprise node obtained by a third-party credit institution node and an Oracle node, and after the core supply chain enterprise node and the financing enterprise node carry out Hash signature and confirm a loan contract, an intelligent contract confirmed by multiple parties is formed on the block chain;
s4, the financing bank node sends financing prepayment to the financing enterprise node according to a certain proportion of the trade contract amount, and after the two parties carry out Hash signature confirmation, the transfer record is recorded on the chain; the financing enterprise node transfers accounts to the core supply chain enterprise node according to the pre-payment property, and records the account transfer record on the chain after the Hash signature confirmation is carried out by the two parties;
s5, the financing enterprise node sets a special money-returning account, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special money-returning account under the automatic execution of an intelligent contract, and the Oracle node links the transfer record of the consumer node and confirms the signature;
and S6, the intelligent contract automatically takes effect according to the repayment agreement, the financing enterprise node, the financing bank node and the core supply chain enterprise node all carry out signature confirmation collection, and the related transfer records are placed in the blocks of the block chain until the order is completed.
2. The block chain-based domestic buyer warranty financing method according to claim 1, wherein the step S1 specifically comprises the steps of:
s11, after the financing enterprise node and the seller node draw up the trade contract, the financing enterprise node starts to deploy the trade contract on the blockchain;
and S12, verifying by the aid of the public key of the financing enterprise node, determining authenticity and validity of the trade contract, and performing signature confirmation by the aid of the private key of the core supply chain enterprise node and the seller node.
3. The block chain-based domestic buyer warranty financing method according to claim 1, wherein the step S2 specifically comprises the steps of:
s21, a seller node produces a product, a third-party logistics node is entrusted to convey the product, and the third-party logistics node receives the product and signs a transportation order and records the transportation order on a chain;
s22, confirming the signature after the seller node confirms that the contents of the shipping bill are correct;
and S23, the buyer node signs the receivable account creditor certificate after receiving the product, and the seller node signs the certificate after confirming the certificate is correct.
4. The block chain-based domestic buyer warranty financing method according to claim 1, wherein the step S3 specifically comprises:
s31, the financing enterprise node deploys a warranty application form and uploads the warranty application form to a block chain, and the financing bank node verifies a signature and records the signature on the chain after receiving the warranty application form;
s32, submitting a loan guarantee agreement to the financing bank node by the core enterprise node of the supply chain and uploading the loan guarantee agreement to the block chain, and auditing and recording a signature on the chain after the financing bank node receives the loan guarantee agreement;
s33, after the financing bank node negotiates with the third-party credit worthiness institution node, initiating a consignment contract for investigating the credit worthiness condition of the financing enterprise to the third-party credit worthiness institution node and recording the consignment contract on a chain;
s34, the third-party credit investigation organization node utilizes the public key to verify, confirms that the entrustment contract is received, utilizes the private key of the third-party credit investigation organization node to carry out signature confirmation and records the signature confirmation on the chain;
s35, the third-party credit worthiness organization node requests credit investigation data of the financing enterprise node from the Oracle node, and the Oracle node receives the application and sends the credit investigation data of the financing enterprise node to the third-party credit worthiness organization node;
s36, after receiving credit investigation data of the financing enterprise nodes, the third-party credit accreditation organization nodes arrange the credit investigation data to generate credit investigation report signatures about the financing enterprise nodes, confirm the signatures, upload the signatures to a block chain, and after receiving the credit investigation reports, the financing bank nodes confirm the signatures and chain the signatures;
and S37, the financing bank node draws up an accounts receivable and debt right transfer agreement, performs Hash signature and endorsement, uploads the agreement to a block chain, guarantees the transaction by the core supply chain enterprise node, performs Hash signature with the financing enterprise node, confirms the loan contract and forms an intelligent contract confirmed by multiple parties on the block chain.
5. The block chain-based domestic buyer insurance financing method according to claim 4, characterized in that the credit investigation data of the financing enterprise node comprises the principal qualification to borrower, the condition of the industry, the operation ability, the financial condition, the tax payment condition, the loan condition and the credit rating.
6. The block chain-based domestic buyer warranty financing method according to claim 1, wherein the step S4 specifically comprises:
s41, the financing bank node sends financing pre-payment according to a certain proportion of the amount of the trade contract and carries out Hash signature, and after the financing enterprise node collects money and carries out Hash signature to confirm account transfer, the account transfer record is recorded on a chain;
and S42, transferring accounts to a core supply chain enterprise node by the financing enterprise node according to the pre-payment property, carrying out Hash signature confirmation on the account transfer by the core supply chain enterprise node, and placing a confirmed account transfer record on the block chain.
7. A domestic buyer's warranty financing device based on block chain, comprising:
the trade contract signing module is used for the core supply chain enterprise node and the seller node to jointly sign and confirm the authenticity and the effectiveness of the trade contract which is drawn by the financing enterprise node and the seller node and is deployed on the blockchain;
the production and delivery module is used for signing the transportation bill and recording the chain after the third-party logistics node receives the product produced by the seller node according to the entrustment, confirming the signature by the seller node, signing the account receivable credentialing certificate after the buyer node receives the product and recording the chain, and confirming the signature by the seller node;
the insurance policy and financing application module is used for the financing bank node to draw up the account receivable debt right transfer protocol and sign the uplink according to the credit investigation report of the financing enterprise node obtained by the third party credit institution node and the Oracle node after receiving the insurance policy and loan guarantee protocol respectively submitted by the financing enterprise node and the supply chain core enterprise node and sign the uplink, and the core supply chain enterprise node and the financing enterprise node form an intelligent contract confirmed by multiple parties on the block chain after Hash signature confirms the loan contract;
the financing prepayment issuing module is used for issuing financing prepayment to the financing enterprise node by the financing bank node according to a certain proportion of the amount of the trade contract, and recording transfer records on the chain after Hash signature confirmation is carried out by the financing enterprise node and the financing bank node; the financing enterprise node transfers accounts to the core supply chain enterprise node according to the pre-payment property, and records the account transfer record on the chain after the Hash signature confirmation is carried out by the two parties;
the selling and refunding module is used for setting a special refunding account for the financing enterprise node, after a consumer node purchases a product from a buyer node, the corresponding payment is directly paid to the special refunding account under the automatic execution of an intelligent contract, and the Oracle node links the transfer record of the consumer node and confirms the signature;
and the repayment module is used for automatically taking effect according to the repayment agreement by the intelligent contract, signing and confirming the collection of the money by the financing enterprise node, the financing bank node and the core supply chain enterprise node, and placing the related transfer records in the block of the block chain until the order is completed.
8. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the blockchain-based domestic buyer insurance financing method according to any one of claims 1 to 6.
9. A storage medium comprising a stored program, characterized in that, when the program is run, it controls a device on which the storage medium is located to execute the block chain-based domestic buyer insurance financing method according to any one of claims 1 to 6.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114897527A (en) * | 2022-05-20 | 2022-08-12 | 西南交通大学 | Authentication method for realizing commercial warranty claim value based on workload certification |
| CN115293918A (en) * | 2022-09-29 | 2022-11-04 | 中企云链（北京）金融信息服务有限公司 | Cloud communication asset inter-row re-insurance method and system based on block chain |
| CN115619404A (en) * | 2022-12-06 | 2023-01-17 | 国网信息通信产业集团有限公司 | Block chain-based enterprise associated transaction business cooperative processing method |
| CN117036073A (en) * | 2023-10-08 | 2023-11-10 | 深圳市环阳通信息技术有限公司 | Invoice auditing and automatic reimbursement system based on Internet |
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2021
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114897527A (en) * | 2022-05-20 | 2022-08-12 | 西南交通大学 | Authentication method for realizing commercial warranty claim value based on workload certification |
| CN114897527B (en) * | 2022-05-20 | 2023-03-14 | 西南交通大学 | Authentication method for realizing commercial warranty claim value based on workload certification |
| CN115293918A (en) * | 2022-09-29 | 2022-11-04 | 中企云链（北京）金融信息服务有限公司 | Cloud communication asset inter-row re-insurance method and system based on block chain |
| CN115619404A (en) * | 2022-12-06 | 2023-01-17 | 国网信息通信产业集团有限公司 | Block chain-based enterprise associated transaction business cooperative processing method |
| CN115619404B (en) * | 2022-12-06 | 2023-04-07 | 国网信息通信产业集团有限公司 | Block chain-based enterprise associated transaction business cooperative processing method |
| CN117036073A (en) * | 2023-10-08 | 2023-11-10 | 深圳市环阳通信息技术有限公司 | Invoice auditing and automatic reimbursement system based on Internet |
| CN117036073B (en) * | 2023-10-08 | 2024-01-30 | 深圳市环阳通信息技术有限公司 | Invoice auditing and automatic reimbursement system based on Internet |
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