TWM565353U - Credit management system based on distributed ledger - Google Patents

Abstract

In the proposed credit management system, the decentralized books of a purchase transaction stored in the blockchain database are jointly maintained by the shipping party, the open line and the bank computer nodes communicating with each other. When the shipping party receives the transactional goods, the shipping computer node adds a data block containing the digital bill of lading data to the decentralized ledger. When the computer node of the escrow bank determines that the digital bill of lading data and the obtained digital form letter of credit and the purchase transaction document data are consistent with each other, another data block containing the digital bill of lading data, the letter of credit and the purchase transaction document data is added to the distributed Account book. When the open computer node determines that the data in the other data block matches each other, the payment notification is transmitted to the importer's use end, and the open information to be sent to the importer is generated when the open line receives the payment.

Description

Credit management system based on decentralized books

This new type is about credit management of international trade, especially a block management system based on blockchain.

Since international trade behavior has become an important part of corporate business operations, in order to respond to such international trade behavior, banking institutions provide various types of trade financing products to meet the needs of corporate clients. For all types of trade finance products in international trade, credit escrow has become an important process in the credit process. Since the credit transfer is highly dependent on the transmission and verification of paper documents, such a method may cause the following problems or inconvenience to parties involved in this international trade.

For exporters, after receiving the letter of credit opened by the importer through the open bank, the exporter must prepare various relevant transaction documents such as bill of lading, insurance policy, certificate of origin, etc., in accordance with the letter of credit requirements to request the bank. Financing (mortgage). Since the letter of credit and these transaction documents are in paper form, the exporter may have to spend considerable time checking all relevant transaction documents to ensure that the letter of credit is met. In addition, these transaction documents cannot completely avoid the risk of loss and/or theft during the telecommunications transmission process.

For importers, in addition to the importer’s manpower costs similar to those of exporters’ documents and the dangers of transmitting documents on telecommunications, especially for goods with relatively short-range transport voyages, goods have arrived from time to time. However, the important transaction documents of the port of lading are still in the process of layer-by-layer transfer. This will result in the importer not being able to pick up the goods in time, and even more, the additional storage costs will be incurred, and the entire trade process will be delayed.

For the shipping company, the shipping company plays the role of the logistics service provider in the international trade, and the bill of lading issued by it is an important certificate for the importer to receive the goods. However, according to the current paper bill of lading operation, because the shipping company has a low degree of mastery of the bill of lading, if the goods are taken over, it may lead to disputes and litigation between the shipping company and the importer.

For Open/Belling Banks, the necessary paper transaction documents (audit) work are labor-intensive, which is not only time-consuming but also impossible to ensure zero errors. In addition, due to the fact that paper transaction documents are prone to fraud, the bank is threatened by improper financing due to fraudulent documents provided by unscrupulous persons.

In order to solve the above problems, a document management system as disclosed in U.S. Patent Application Publication No. 20050240483A1 is provided by a financial institution of an exporter and is required to manage the export business in a centralized manner. The operation of receiving, transmitting and storing documents and materials. However, this document management system can only rely on the exporter financial institution itself in the maintenance of the security. Therefore, if a centralized database in this document management system fails or its stored data or documents are illegally tampered with, all trade participants will suffer.

As mentioned above, there is still much room for improvement in existing credit management methods, especially on credit escrow.

Accordingly, it is an object of the present invention to provide a decentralized book based credit management system that overcomes the shortcomings of the prior art.

Accordingly, the present invention provides a decentralized book based credit management system for managing credit information relating to a purchase transaction between an importer and an exporter, and including a store corresponding to the purchase transaction a blockchain database of distributed decentralized books, and a ship-side computer node, an open-line computer node, and a bank computer node both connected to the blockchain database to jointly maintain the distributed ledger . The shipping computer node, the open computer node, and the billing computer node each include a communication module connected to a communication network, and a storage module storing a duplicate of the distributed book And a processing module electrically connected to the communication module and the storage module.

When a shipper receives a batch of goods from the exporter and corresponds to the purchase transaction, for the shipper computer node, the processing module will have a new data block containing the encrypted shipping information. Additions are written to the decentralized ledger stored in the blockchain database and a copy of the decentralized ledger stored by the storage module, and the data containing the shipping information is included via the communication network The block broadcasts to the open computer node and the billing computer node, the shipping information includes a digital bill of lading data relating to a digital bill of lading of the batch of goods, and indicates that the owner of the digital bill of lading is the exporter Ownership information.

For the billing bank computer node, when the obtaining includes a letter of credit issued by the open line to the importer according to the purchase transaction and having a digital form, the purchase transaction document related to the letter of credit, and indicating the When the owner of the digital bill of lading is the exporter information of the ownership information of the bank, the processing module determines that the data block containing the shipping information in the duplicate of the distributed book stored in the storage module is included And the decrypted digital bill of lading data and the obtained credit information contained in the exporter data and the purchase transaction document data are consistent with each other.

For the computer node of the bank, the processing module newly writes another data block containing the billing data to the data block when the digital bill of lading data, the letter of credit and the purchase transaction document data are consistent with each other. The decentralized book stored in the blockchain database and the duplicate of the decentralized book stored by the storage module, and utilizing the communication module and containing the billing data via the communication network The data block is broadcasted to the open computer node and the shipping computer node, and the billing information includes the digital bill of lading data, the letter of credit, the purchase transaction document data, and the owner of the digital bill of lading is indicated Ownership information for the line.

For the open computer node, the processing module determines that the duplicated book stored in the storage module contains the digital bill of lading data included in the data block of the billing data and is decrypted When the letter of credit and the purchase transaction document data are consistent with each other, the communication module transmits, via the communication network, an acceptance notice indicating that the bank is promised to pay the letter of credit to the bank node of the bank, and transmits A payment notice related to the purchase transaction to an importer used by the importer.

When the open line receives the payment from the importer for the purchase transaction, the processing module generates an open document to be provided to the importer for the open computer node, the open data including the purchase The transaction documents and the owner of the digital bill of lading are the ownership information of the importer.

The effect of the novel is that the credit management system can actually maintain the decentralized book corresponding to the purchase transaction by performing the above-mentioned credit management method, and only needs the relevant party in the crediting process (the shipper, the exporter) The billing bank, the open bank and the importer) monitor the copy of the decentralized book stored in the computer node provided by the bank, and can grasp the credit progress related to the purchase transaction, thereby reducing the opening The risk of betting on the bank and the bank, greatly reducing the labor costs in the credit process, and accelerating the completion of the credit process. In addition, since all the newly added data blocks stored in the decentralized book in the blockchain database have been encrypted by the effective encryption method, it is indeed effective to prevent the decentralized book from being tampered with.

Referring to FIG. 1, a first embodiment of a new distributed management system based on a distributed Ledger can be used to manage credit information related to a purchase transaction between an importer and an exporter, but not This limit, and in the actual implementation, the credit management system 100 can also be applied to manage credit information for multiple purchase transactions between multiple importers and multiple exporters.

Hereinafter, for the sake of clarity, only the credit management of the credit information of the purchase transaction between the importer and the exporter will be described in detail. In the first embodiment, the credit management system 100 can be regarded as a blockchain computer system and can include a blockchain database 1 and a shipping computer associated with the purchase transaction. Node 2, a bank computer node 3 and an open computer node 4. It should be noted that the credit management system 100 may also include a plurality of other computer nodes (not shown). Since these computer nodes are not related to the purchase transaction, they are omitted here.

The blockchain database 1 can be connected to a communication network 200, such as the Internet, and can store a decentralized ledger L corresponding to the purchase transaction.

In this embodiment, the shipping computer node 2, the billing computer node 3, and the open computer node 4 may be respectively a shipping party (ie, a shipping company) and a billing (silver) line. And an open (silver) line provided, and the bank and the open line belong to different banking institutions or belong to the same banking institution. The ship computer node 2, the bank computer node 3, and the open computer node 4 can each be implemented as a computer device such as a desktop computer, a notebook computer, a tablet computer or a smart phone. And a storage module 21/31/41 storing a duplicate Lcopy (hereinafter referred to as a book copy Lcopy) storing a distributed book L, and a communication module 22/32/ connected to the communication network 200 42 and an electrical connection between the storage module 21/31/41 and the processing module 23/33/43 of the communication module 22/32/42. Thus, the shipping computer node 2, the billing computer node 3, and the open computer node 4 can access the block database 1 to jointly maintain the distributed ledger L.

Before describing in detail the operation of the credit management system 100, the following necessary pre-processes relating to the purchase transaction will be generally described. For example, the purchase transaction corresponds to a purchase order (PO) issued by the importer to the exporter, and then the importer proposes to develop a letter of credit according to the purchase. Application. Thereafter, the open line transmits, by means of the open computer node 4 (but not limited thereto), a letter of credit in the form of a SWIFT (Society for Worldwide Interbank Financial Telecommunication) message to the bank as provided by the bank The bank of the bank is 3 (but not limited to this). Next, the bank computer node 3 transmits a credit notification via the communication network 200 to, for example, an exporter terminal 5 provided by the exporter (but not limited thereto). For example, the letter of credit notification may include a letter of credit issued by the open line to the importer according to the purchase transaction and having a digital form, and the letter of credit may contain an importer, the exporter, Except for the contents of the open line, the goods in the purchase transaction, and the necessary transaction documents for the purchase transaction. Therefore, after receiving the letter of credit from the bank, the exporter can deliver a batch of goods corresponding to the purchase transaction to the ship for subsequent shipping.

Hereinafter, in the first embodiment, how will the credit management system 100 be received when the shipper receives the shipment from the exporter and corresponds to the purchase transaction, with reference to FIGS. 1 through 3. The credit information related to the purchase transaction is managed by executing a first credit management program. The first credit management program includes the following steps S21 to S31.

In step S21, for the shipper computer node 1, the processing module 13 generates shipping data D1 (see Fig. 3) and can utilize existing encryption techniques, such as a hash algorithm, a PKI public private key. Encryption technology, UTXO (Unspent Transaction Outputs) mechanism, etc., encrypt the shipping data D1. In this embodiment, the shipping information D1 may include DBL information related to a digital bill of lading (DBL) of the batch of goods, and the ownership information indicating that the owner of the DBL is the exporter. (See Figure 3). For example, the DBL data D1 may include a Shipper, a bill of lading number, a Consignee, a Place of Receipt, a Port of Loading, and a Port of Discharge (Port). Of Discharge), Place of Delivery, On Board Date, DBL Ownership, Carrier, etc., but not limited to this. The processing module 13 also newly writes a data block B1 containing the encrypted shipping data D1 to the distributed ledger L stored in the blockchain database 1 and the storage module 21 The stored copy of the book Lcopy (see FIG. 4), and broadcast the data block B1 to the open computer node 4 and the bank computer node 3 via the communication network 200 to make the open line The computer node 4 and the billing computer node 3 can update the bill copy Lcopy stored in the storage module 41, 31 by the data block B1. Thus, the ship computer node 2, the bank computer node 3, and the open book computer node 4 have the book copy Lcopy and the distributed account stored in the block chain database 1. This L synchronization update.

Next, in step S22, for the shipping computer node 1, the processing module 13 uses the communication module 12 to transmit a notification indicating that the DBL has been sent to the exporter via the communication network 200. End 5, such that when the exporter terminal 5 receives the notification from the shipping computer node, the exporter profile D2 (see FIG. 3) can be generated in response to the notification and via the communication network 200 The exporter information D2 is transmitted to the bank computer node 3. In this embodiment, the exporter information D2 may include the credit, the purchase transaction document information related to the credit, and the owner of the DBL as the billing bank. Ownership data (see Figure 3). For example, the purchase transaction document data may include a digital form of Invoice, a Packing List, a Bill of Lading (BL), a Certificate of Origin, etc., but is not limited thereto.

When the exporter uses the terminal 5 to transfer the exporter data D2 to the bank computer node 3, the bank computer node 3 receives the exporter data D2 from the exporter's use terminal 5 (step S23).

Then, in step S24, the processing module 33 determines the distributed ledger L stored in the blockchain database 1 (or is stored by the storage module 31) for the billing computer node 3. The LDL and the decrypted DBL data D1 and the credit information and the purchase transaction file included in the exporter data D2 received from the exporter 5 of the account copy Lcopy) Whether the data matches each other to determine whether the "trial order" is successful. More specifically, if the processing module 33 determines that the DBL data, the credit, and the purchase transaction file data match each other, indicating that the trial is passed (ie, the trial is successful), the process proceeds to step S25; otherwise, The processing module 33 can use the communication module 32 to transmit a trial failure notification to the exporter terminal 5 (step S26), so that the exporter terminal 5 can further provide in response to the trial failure notification ( The correct) exporter information, but not limited to this.

In step S25, for the billing computer node 3, the processing module 33 generates the DBL data, the credit, the purchase transaction file data, and the owner indicating the DBL as the open line. The billing data D3 of the ownership data, and the billing data D3 can be encrypted by using the existing encryption technology, and a data block B2 containing the encrypted billing data D3 is connected, for example, to the data block B1. The method is newly written to the decentralized book L stored in the blockchain database 1 and the book copy Lcopy (see FIG. 4) stored by the storage module 31, and via the communication network 200. Broadcasting the data block B2 to the open computer node 4 and the shipping computer node 2 so that the open computer node 4 and the shipping computer node 2 can update the data block B2 respectively. The copies of the books Lcopy stored by the storage modules 41, 21. Thus, the ship computer node 2, the bank computer node 3, and the open book computer node 4 have the book copy Lcopy and the distributed account stored in the block chain database 1. This L synchronization update.

Following the step S27 after the step S25, for the open computer node 4, the processing module 43 determines the distributed ledger L stored by the blockchain database 1 (or the storage module) The stored DBL data, the credit and the purchase transaction document data included in the data block B2 stored in the book copy Lcopy are matched to determine whether the "trial order" is successful. More specifically, if the processing module 43 determines that the DBL data, the credit, and the purchase transaction file data match each other, indicating that the trial is passed (ie, the trial is successful), the process proceeds to step S28; otherwise, The processing module 43 can use the communication module 42 to transmit a trial failure notification to the bank computer node 3, so that the bank computer node 3 can further notify the exporter in response to the trial failure notification. Use terminal 5 to provide (correct) exporter information (step S29), but no longer

In step S28, for the open computer node 4, the processing module 43 uses the communication module 42 to transmit, via the communication network 200, an acceptance notice indicating that the billing bank promises to pay the letter of credit to The billing bank computer node 3 transmits a payment notice associated with the purchase transaction to an importer use terminal 6 provided by the importer (see Fig. 1).

Therefore, the billing bank may pay the bill of exchange to the exporter according to the acceptance notice received by the billing bank computer node 3 from the open computer node 4. In addition, the importer may also pay the payment for the purchase transaction to the open line (the so-called redemption order) according to the payment notice received from the open computer node 4 by the importer terminal 6.

Thereafter, when the open line does receive the payment from the importer, for the open computer node 4, the processing module 43 generates the information including the purchase transaction file, and indicates the DBL. The owner of the ownership information of the importer is the open data D4 (see FIG. 3) (step S30), and the communication module 42 is used to transmit the open data D4 to the importer terminal 6 via the communication network 200 ( Step S31). At this point, the first credit management program is completed, and the decentralized ledger L stored in the blockchain database 1 and the copy of the ledger stored by each of the storage modules 21, 31, 41 are completed. Lcopy is updated as shown in Figure 4.

Finally, the importer may perform a subsequent pick-up procedure to an agent assigned by the ship operator based on the open data D4 received by the importer using the terminal 6. On the other hand, after the agent has placed the batch of the goods on the importer, the open bank pays the payment to the bank, and the purchase transaction is completed.

FIG. 5 illustrates a second embodiment of the new decentralized book based credit management system 100', which is a variation of the first embodiment (FIG. 1). The second embodiment is substantially similar to the first embodiment, and differs from the first embodiment in that the credit management system 100' further includes the exporter 5 and the importer of FIG. 6. It should be noted that in the second embodiment, the exporter use terminal 5 can serve as an exporter computer node, and the importer uses the terminal 6 as an importer computer node.

The exporter computer node 5 connects the blockchain database 1 via the communication network 200 to maintain the distributed ledger L stored in the blockchain database 1, and may include a copy of the book copy Lcopy' The storage module 51, a communication module 52 connected to the communication network 200, and a processing module 53 electrically connected to the communication module 52 and the storage module 51. Similarly, the exporter computer node 5 connects the blockchain database 1 via the communication network 200 to maintain the distributed ledger L' stored in the blockchain database 1, and may include a stored account The storage module 61 of the replica Lcopy', a communication module 62 connected to the communication network 200, and a processing module 63 electrically connected to the communication module 62 and the storage module 61.

Hereinafter, in detail, in the second embodiment, when the shipper receives the lot of goods from the exporter and corresponds to the purchase transaction, the credit management system 100' will be described in detail in the second embodiment. How to manage the credit information related to the purchase transaction by executing a second credit management program. The second credit management program includes the following steps S61 to S71.

In step S61, the shipping computer node 2, similar to step S21 of FIG. 2, newly writes the data block B1 (see FIG. 3) to the distributed storage stored in the blockchain database 1. The book L' and the copy of the book Lcopy' stored therein (see FIG. 7), and the material block B1 is not only broadcasted to the open computer node 4 and the bank via the communication network 200. The computer node 3 is also broadcasted to the exporter computer node 5 and the importer computer node 6 so that the open computer node 4, the billing computer node 3, the exporter computer node 5, and the importer computer The node 6 can update the stored copies of the book Lcopy' separately by the data block B1. Thus, the ship computer node 2, the bank computer node 3, the open computer node 4, the exporter computer node 5, and the importer computer node 6 have the copy of the book Lcopy' The distributed account L' stored in the blockchain database 1 is updated in synchronization.

When the exporter computer node 5 updates the book copy Lcopy' stored in the storage module 51 with the shipping data D1 (that is, after the shipping data D1 has been obtained), in step S62, for the exit For the business computer node 5, the processing module 53 generates the exporter data D2 (see FIG. 3), and encrypts the exporter data D2 using an existing encryption technology, and includes an encrypted exporter data D2. The data block B3 is newly added to the distributed ledger L' stored in the blockchain database 1 and stored in the storage module 51, for example, in the manner of continuing in the data block B1. a copy of the book Lcopy' (see FIG. 7), and using the communication module 52 to broadcast the data block B3 to the ship computer node 2, the bank computer node 3, and the open state via the communication network 200 The computer node 4 and the importer computer node 6 are such that the shipping computer node 2, the billing computer node 3, the open computer node 4, and the importer computer node 6 can be the data block B3. The stored copies of the books Lcopy' are updated separately. Thus, the ship computer node 2, the bank computer node 3, the open computer node 4, the exporter computer node 5, and the importer computer node 6 have the copy of the book Lcopy' The distributed account L' stored in the blockchain database 1 is updated in synchronization.

Then, when the billing computer node 3 updates the bill copy Lcopy' stored by the storage module 51 with the exporter data D2 (that is, after the exporter data D2 has been obtained), in step S63, For the billing computer node 3, similar to the step S24 (FIG. 2) of the first embodiment, the processing module 33 determines the decentralized ledger L stored by the blockchain database 1 '(or the copy of the book Lcopy stored by the storage module 31) the DBL data D1 included in the data block B1 and decrypted, and the exporter information included in the data block B3 Whether the letter of credit contained in D2 and the information of the purchase transaction document match each other to determine whether the "trial order" is successful. More specifically, if the processing module 33 determines that the DBL data, the credit, and the purchase transaction file data match each other, indicating that the trial is passed (ie, the trial is successful), the process proceeds to step S64; otherwise, The processing module 33 can use the communication module 32 to transmit a trial failure notification to the exporter terminal 5 (step S65), so that the exporter computer node 5 can further provide in response to the trial failure notification ( The correct) exporter information, but not limited to this.

In step S64, for the bank computer node 3, similar to the step S25 (FIG. 2) of the first embodiment, the processing module 33 generates the billing data D3, and can utilize existing encryption technology. The data block B2 generated after the billing data D3 is encrypted is newly written to the decentralized book L' stored in the blockchain database 1 by, for example, continuing in the data block B3. And the book copy Lcopy' stored in the storage module 31 (see FIG. 7), and broadcast the data block B2 to the open computer node 4 and the ship computer node 2 via the communication network 200. The exporter points the brain node 5 and the importer computer node 6 so that the open computer node 4, the shipping computer node 2, the exporter point brain node 5, and the importer computer node 6 can have the data. Block B2 updates the stored copy of the book Lcopy' separately. Thus, the shipping computer node 2, the billing computer node 3, the open computer node 4, the exporter point brain node 5, and the importer computer node 6 have the duplicate copies of the book Lcopy' It can be updated in synchronization with the decentralized book L' stored in the blockchain database 1.

Following step S66 following step S64, for the open computer node 4, similar to step S27 (FIG. 2) of the first embodiment, the processing module 43 determines the blockchain database 1 by The stored DBL data, the credit information and the purchase transaction document data included in the data block B2 stored in the decentralized book L' (or the stored book copy Lcopy') are Match to determine whether the "trial" is successful. More specifically, if the processing module 43 determines that the DBL data, the credit, and the purchase transaction file data match each other, indicating that the trial is passed (ie, the trial is successful), the process proceeds to step S67; otherwise, The processing module 43 can transmit a trial failure notification to the ATM computer node 3 by using the communication module 42 (step S68), so that the billing computer node 3 can further respond to the trial failure notification. Notify the exporter computer node 5 that the (correct) exporter information is required, but not limited to this.

In step S67, for the open computer node 4, similar to the step S28 (FIG. 2) of the first embodiment, the processing module 43 transmits the first communication module 42 via the communication network 200. The acceptance notice indicating that the bank is promised to pay the letter of credit is sent to the bank node 3 of the bank, and the payment notice is transmitted to the importer computer node 6.

Thus, similar to the first embodiment, the billing bank can pay the bill of exchange to the exporter based on the acceptance notice received by the billing bank computer node 3 from the open computer node 4. In addition, the importer may also pay the purchase price of the purchase transaction to the open line (so-called redemption order) according to the payment notice received by the importer computer node 6 from the open computer node 4.

Thereafter, when the open line does receive the payment from the importer, in step S69, for the open computer node 4, the processing module 43 generates the open data D4 (see FIG. 3), and the open data D4 can be encrypted by using the above existing encryption technology, and a data block B4 containing the encrypted open data D4 is added, for example, in the manner of the data block B3. Writing to the decentralized ledger L' stored in the blockchain database 1 and the stored copybook Lcopy' (see FIG. 7), and broadcasting the data block B4 via the communication network 200 To the shipping computer node 2, the billing computer node 3, the exporter point brain node 5 and the importer computer node 6 such that the shipping computer node 2, the open computer node 4, the The exporter point brain node 5 and the importer computer node 6 can update the stored copy of the book Lcopy' separately by the data block B4. Thus, the shipping computer node 2, the billing computer node 3, the open computer node 4, the exporter point brain node 5, and the importer computer node 6 have the duplicate copies of the book Lcopy' It can be updated in synchronization with the decentralized book L' stored in the blockchain database 1.

When the importer computer node 6 updates the book copy Lcopy' stored by the storage module 61 with the open data D4 (that is, after the open data D4 has been obtained), in step S70, for the import For the business computer node 6, the processing module 63 can store the decentralized book L' stored in the blockchain database 1 (or the book copy Lcopy stored by the storage module 61). The open data D4 contained in the data block B4 is decrypted (step S70). At this point, the second credit management program is completed, and the decentralized ledger L' stored in the blockchain database 1 and the shipping computer node 2, the billing computer node 3, the open The book copy Lcopy' stored by the line computer node 4, the exporter point brain node 5, and the importer computer node 6 is updated as shown in FIG.

Finally, the importer can perform a subsequent pick-up procedure to an agent assigned by the ship operator based on the open document D4 decrypted by the importer computer node 6. On the other hand, after the agent has placed the batch of the goods on the importer, the open bank pays the payment to the bank, and the purchase transaction is completed.

In summary, the new credit management system 100, 100' based on the decentralized book can automatically maintain the decentralized book L corresponding to the purchase transaction by executing the first credit management program and the second credit management program. , L', and only need the relevant party (the shipper, the exporter, the bank, the open bank and the importer) to monitor the storage of the computer nodes 2~6 provided by the client during the crediting process. The copy of the book Lcopy, Lcopy' can grasp the credit progress related to the purchase transaction. Therefore, for the open line and the billing bank, the risk of fraudulent loans and the risk of billing can be reduced, the labor cost in the crediting process can be greatly reduced, and the postage cost required for the sending of paper documents by the conventional skill can be saved, and Accelerate the completion of the credit procedure; for the importer, not only can the goods be obtained relatively quickly, but the risk of being fraudulently caused by the loss of the paper bill of lading can be completely avoided; for the exporter, the purchase price can be obtained relatively quickly; Since the ship operator can fully grasp the progress of the credit, it can completely avoid the occurrence of fraudulent or even litigation caused by fraud. In addition, since all the newly added data blocks in the decentralized ledger L, L' stored in the blockchain database 1 have been encrypted by the effective encryption method, the decentralized book can be effectively prevented. L, L' has been tampered with by others. Therefore, the purpose of this novel can be achieved.

However, the above is only the embodiment of the present invention. When the scope of the novel implementation cannot be limited thereto, all simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

100,100'‧‧‧ credit management system
1‧‧‧blockchain database
L,L'‧‧‧Distributed ledger
2‧‧‧Shipboard computer node
21‧‧‧ storage module
Lcopy, Lcopy'‧‧‧book copy
22‧‧‧Communication Module
23‧‧‧Processing module
3‧‧‧Payment Bank Computer Node
31‧‧‧ Storage Module
32‧‧‧Communication Module
33‧‧‧Processing module
4‧‧‧Open computer node
41‧‧‧Storage module
42‧‧‧Communication module
43‧‧‧Processing module
5‧‧‧Exporter use end/exporter computer node
6‧‧‧Importer use end/importer computer node
200‧‧‧Communication network
B1~B4‧‧‧data block
D1‧‧‧ Shipping Information
D2‧‧‧Exporter Information
D3‧‧‧ billing information
D4‧‧‧Open data
S21~S31‧‧‧Steps
S61~S70‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram illustrating a first embodiment of the present invention based on a decentralized ledger-based credit management system. 2 is a flow chart exemplarily showing how the first embodiment performs a first credit management procedure for credit information of a purchase transaction; FIG. 3 exemplarily shows shipping information, exporter data, and billing information. Figure 4 is a schematic diagram exemplarily showing a decentralized book or book obtained by the first embodiment after the execution of the first credit management program corresponding to the purchase transaction Figure 5 is a block diagram illustrating a second embodiment of the new decentralized book-based credit management system; Figure 6 is a flow chart illustrating an example of how the second embodiment is for the purchase transaction The credit information is executed by a second credit management program; and FIG. 7 is a schematic diagram exemplarily showing that the second embodiment obtains a corresponding one of the purchases after the execution of the second credit management program Yi distributed copies of books or books.

Claims (5)

A decentralized book-based credit management system for managing credit information related to a purchase transaction between an importer and an exporter, and comprising: a blockchain database, connected to a communication network and stored with a a decentralized book corresponding to the purchase transaction; and a ship computer node, an open computer node, and a bank computer node are connected to the blockchain database to jointly maintain the distributed book. Each of the two comprises a communication module connected to the communication network, a storage module storing a duplicate of the distributed book, and a processing module electrically connecting the communication module and the storage module; Wherein, when a shipper receives a batch of goods from the exporter and corresponds to the purchase transaction, the processing module will have a data area containing the encrypted shipping data for the ship computer node. The block is newly written into the decentralized ledger stored in the blockchain database and the duplicate of the distributed ledger stored in the storage module, and the shipping information is included in the communication network. The information The block broadcasts to the open computer node and the billing computer node, the shipping information includes a digital bill of lading related to a digital bill of lading of the batch of goods, and indicates that the owner of the digital bill of lading is the owner of the bill of lading Information; wherein, for the computer node of the bank, when obtaining a document containing a letter of credit issued by the open line to the importer according to the purchase transaction and having a digital form, the purchase transaction document related to the letter of credit, And when the owner of the digital bill of lading is the exporter information of the ownership information of the bill of lading, the processing module determines that the duplicate of the decentralized book stored in the storage module contains the information of the shipping information The digital bill of lading data included in the block and decrypted and the obtained credit information and the purchase transaction document data included in the exporter data are consistent with each other; wherein, for the computer node of the billing bank, the processing module When it is determined that the digital bill of lading data, the letter of credit and the purchase transaction document data are in accordance with each other, another data block containing the billing information is used. Newly written to the decentralized ledger stored in the blockchain database and the duplicate of the decentralized ledger stored in the storage module, and using the communication module and containing via the communication network The data block of the billing information is broadcasted to the open computer node and the shipping computer node, and the billing information includes the digital bill of lading data, the letter of credit, the purchase transaction document data, and the indicating the digit The owner of the bill of lading is the ownership information of the open line; wherein, for the open computer node, the processing module determines that the copy of the distributed book stored in the storage module contains the billing data When the digital bill of lading data, the credit, and the purchase transaction document data included in the data block and the decrypted data match with each other, the communication module transmits, via the communication network, an indication that the billing bank promises to pay the letter of credit. Receiving the payment to the computer node of the bank, and transmitting a payment notice related to the purchase transaction to an importer provided by the importer; and When the importer receives the payment for the purchase transaction, the processing module generates an open document to be provided to the importer for the open computer node, and the open data includes the purchase transaction document data. And indicating that the owner of the digital bill of lading is the ownership information of the importer. The credit management system of claim 1, wherein: the processing module uses the communication module to transmit, via the communication network, a notification indicating that the digital bill of lading has been issued to the exporter computer node Providing an exporter use end such that upon receipt of the notification from the shipping computer node, the exporter generates the exporter information in response to the notification and exports the exporter via the communication network The data is transmitted to the ATM computer node. The credit management system of claim 1, further comprising the exporter use end, the exporter use end as an exporter computer node, connecting the blockchain database to maintain the stored by the blockchain database a decentralized book, comprising a communication module connected to the communication network, a storage module storing a duplicate of the distributed book, and a processing module electrically connecting the communication module and the storage module And for the exporter computer node, the processing module newly writes another data block including the encrypted exporter data to the distributed book stored in the blockchain database. And a copy of the decentralized ledger stored by the storage module, and wherein the processing module is in the replica of the distributed ledger stored by the storage module for the billing computer node The included exporter data is decrypted to obtain the decrypted exporter information. The credit management system according to any one of claims 1 to 3, wherein: for the open computer node, the processing module uses the communication module to transmit the open data to the importer via the communication network So that the importer can carry out the subsequent picking process according to the opening information received by the importer's use end. The credit management system according to any one of claims 1 to 3, further comprising the importer use end, the importer use end as an importer computer node, connecting the blockchain database to maintain the blockchain The decentralized book stored in the database includes a communication module connected to the communication network, a storage module storing a duplicate of the distributed book, and an electrical connection to the communication module and the storage a processing module of the module, wherein, for the open computer node, another processing block of the processing module that includes the encrypted open data is newly written to the blockchain database for storage The decentralized book and the duplicate of the decentralized book stored by the storage module, and wherein, for the importer computer node, the processing module stores the decentralized book stored by the storage module The open data contained in the replica is decrypted to obtain the decrypted open data.