CN111259077A - Method for importing deposit and remittance under collection item based on block chain and storage medium - Google Patents

Abstract

The invention discloses a method for import bills under collection based on blockchain, and a computer-readable storage medium. The method utilizes consensus technology, asymmetric encryption, Hash algorithm, digital signature technology, and block chain data structure to realize the electronic, non-tampering, and non-forgery of documents, ensure the authenticity of various documents used in the business, and solve the problem. Paper documents are prone to forgery and inconvenient to verify. In addition, the blockchain network can connect with the application layer through the interface to realize the interaction of key data, and to a certain extent solve the problem of difficulty in credit investigation caused by the unclear operation and transaction history of the bank in the traditional trade financing business. In addition, the blockchain can record all the steps in the process of goods from sending to receiving, and the entire process of goods from loading, transportation, and pickup can be clearly recorded on the blockchain, ensuring the traceability of information, thereby Avoid packet loss and false claim events.

Description

Method and storage medium for import bills under collection based on blockchain

technical field

The invention relates to the technical field of import bill collection and billing in import and export trade, in particular, to a method for import bills billing under collection based on blockchain, and a computer-readable storage medium.

Background technique

Import bill advance refers to the business in which the bank provides short-term financing when the importer makes an external payment at the application of the importer, and the principal and interest are repaid by the applicant according to the agreed interest rate and time limit. According to the settlement method, it is divided into import bills under L/C, import bills under collection and import bills under remittance. Import bills under collection, also known as import collection bills, is a kind of financing advance provided by the collecting bank to the importer with the import bills including the property right documents as collateral. The basic method is that the exporter fills in the collection application form after delivery and sends it to the collecting bank with a full set of documents (including transport documents, bills of exchange and invoices and other commercial documents) in line with the contract requirements, and the collecting bank issues the collection bank to the collecting bank. The Power of Attorney shall be sent to the collecting bank together with the draft and documents, and then delivered to the importer through the collecting bank. Depending on the nature of the collection, the importer is D/P or D/A. The collecting bank can issue a collection trust receipt according to the importer's application for bill advance, advance the payment to the outside world first, and return the recovered payment to the bank after the importer picks up the goods for processing, sale or resale.

However, there are the following problems in the current method of import collection and payment:

1. Since the documents for collection and billing as security are paper documents, the fraud of documents also occurs from time to time in international trade, which increases the financing risk of banks.

2. In the traditional international trade financing activities, the information of the bank and the importing enterprise is asymmetric. The bank does not know whether the financial status of the importing enterprise is stable and whether the historical credit status is good. Therefore, it is not conducive to the bank's financing approval and the importing enterprise to obtain financing. .

3. In the actual operation process of import bills, when the bank obtains the bill of lading and signs a trust agreement with the importer, the bank only owns the superficial ownership of the goods and cannot actually control the flow of the goods. Due to various reasons, the remittances and goods cannot be returned to the import collection agency, and the bank has the risk of "loss of both money and goods".

SUMMARY OF THE INVENTION

The invention provides a method and a computer-readable storage medium for import bills under collection based on blockchain, so as to solve the problems of easy tampering, information asymmetry and inability to monitor existing documents in the existing import bills bills collection Technical problems in the process of circulation of goods.

According to one aspect of the present invention, a method for import bills under collection based on blockchain is provided, comprising the following steps:

Step S1: The importer node and the exporter node sign a trade contract on the blockchain, and agree to use the collection method for settlement;

Step S2: Based on the request of the importer node, the collecting bank node evaluates its credit status and signs the import collection payment contract with the importer node on the blockchain, and the collecting bank node and the exporter node are on the blockchain. Hash signature confirmation on the import collection forwarding contract;

Step S3: After the exporter node completes the stocking, the exporter's transportation activities are carried out, and the relevant information in the process of exporting the goods is uploaded to the blockchain after being signed by the relevant node Hash;

Step S4: the exporter node applies to the collecting bank node for acceptance based on the bill of lading, the collecting bank node notifies the collecting bank node to pay, and the collecting bank node obtains the ownership of the bill of lading after paying the payment, and notifies the importer node to carry out the redemption activity;

Step S5: The importer node and the collecting bank node sign a trust agreement on the blockchain, and the importer node obtains the right to use the bill of lading;

Step S6: The importer node conducts goods import and transportation activities, and the relevant information in the process of goods import is uploaded to the blockchain after being signed by the relevant node Hash;

Step S7: The importer node picks up the goods for processing, sales or resale and then pays to the collecting bank node, and the payment record is uploaded to the blockchain after being signed by the Oracle node Hash.

Further, the step S2 includes the following steps:

Step S21: The importer node applies to the collecting bank node for signing the import collection bill contract according to the trade contract, deploys the import bill collection contract application form on the blockchain, fills in the relevant information, and signs the application form with Hash and sends it To the collecting bank node;

Step S22: After receiving the application form of the importer's node's import collection advance contract, the collecting bank node uses the importer's public key to verify the application form, confirming that the application form really comes from the importer's node, and requests the third-party credit institution node to call Credit information about the importer node;

Step S23: After receiving the request, the third-party credit institution node notifies the Oracle node to apply for an investigation of the industrial and commercial data, tax data, product data and social evaluation data of the importer node;

Step S24: The Oracle node generates an investigation report, signs the Hash, and uploads it to the blockchain. Based on the investigation report and the transaction history of the importer node, the third-party credit agency node determines its credit data and generates a credit table for hashing. After signing, upload to the blockchain;

Step S25: The collecting bank node uses the public key of the third-party credit institution for verification, determines that it is from the credit status table of the third-party credit institution node, and sets the credit line for bill advance according to the credit status of the importer node, and then decides whether to Sign a contract with the importer's node for import collection and bill payment. If it is rejected, a rejection notice will be generated and signed by Hash, and then uploaded to the blockchain. If agreed, the import bill payment contract will be deployed on the blockchain and signed with Hash. sent to the importer node;

Step S26: The importer node verifies that the import collection forwarding contract is correct, confirms the Hash signature and uploads it to the blockchain, and sends the signed import collection forwarding contract to the collecting bank node;

Step S27: After the collecting bank node receives the import collection payment advance contract, it verifies the signature and confirms that it is the import collection payment advance contract from the importer node, and then performs a hash signature on the import collection payment advance contract and uploads it to the blockchain , and send the signed import collection forwarding contract to the exporter node;

Step S28: The exporter node receives the import bills collection contract from the collecting bank node, and uses the public key of the collecting bank node to verify that it is the import billing bill contract from the collecting bank node. Hash signature is performed on the contract and then uploaded to the blockchain.

Further, the step S1 includes the following steps:

Step S11: The importer node deploys the trade contract on the blockchain after negotiating the trade details with the exporter node offline, and encrypts the summary of the trade contract with its own private key, and agrees in the trade contract to adopt the collection method. solve;

Step S12: The exporter node uses the public key of the importer node to verify, confirms that the trade contract is drawn up by the importer node and the contract content is correct, and uses its own private key to perform Hash signature confirmation on the blockchain.

Further, the step S3 includes the following steps:

Step S31: The exporter node starts to stock up, applies to the exporter's logistics node for chartering and booking warehouses according to the contract, and then deploys the transport order including the cargo transportation-related information on the blockchain, and sends it to the exporter's logistics after Hash signature. The node, the exporter's logistics node receives the transportation order, and after agreeing to accept the order, Hash signature on the transportation order and uploading to the blockchain;

Step S32: The exporter node applies for insurance to the exporter's insurance company node, and after offline negotiation and determination of various insurance items, the exporter's insurance company node generates an insurance policy, signs the Hash, and sends it to the exporter's node, and records it on the blockchain , the exporter node will apply for insurance after verifying the signature and the insurance policy, and confirm the Hash signature on the insurance policy and publish it on the blockchain;

Step S33: the exporter node applies to the exporter's commodity inspection bureau node for commodity inspection of the goods. After the exporter's commodity inspection bureau node receives the application, it conducts the commodity inspection of the goods. After the commodity inspection is passed, a commodity inspection report is issued and a hash signature is performed, and published on the blockchain;

Step S34: the exporter node applies to the exporter's industry and commerce bureau node for the enterprise's agent export certificate, and the exporter's industry and commerce bureau node receives the application, issues the enterprise's agent's export certificate and signs the Hash and publishes it to the blockchain network;

Step S35: the exporter node applies to the exporter's customs node for on-site inspection, and the exporter's customs node conducts on-site inspection after receiving the application, and after confirming that the exported goods meet the requirements, issues a release notice, performs a hash signature, and publishes it to the blockchain network;

Step S36: The exporter node delivers the goods to the exporter's logistics node, and the exporter's logistics node issues a bill of lading, signs it with Hash, and sends it to the exporter's node, and records it on the blockchain;

Step S37: After receiving the bill of lading and verifying that it is correct, the exporter node performs Hash signature confirmation, and publishes the signed bill of lading to the blockchain network;

Step S38: The exporter node uploads the relevant documents of the goods invoice to the blockchain network, and then applies for a tax refund to the node of the tax bureau of the exporter. The node of the tax bureau of the exporter reviews the bills, and handles the export tax refund after verification, and issues the tax refund certificate and Hash signature. Upload to the blockchain and notify the exporter node.

Further, the step S4 includes the following steps:

Step S41: the exporter node obtains the bill of lading, applies to the collecting bank node for acceptance, the collecting bank node receives the acceptance application, reviews the documents on the blockchain, and notifies the collecting bank node to pay after confirming that the documents are correct;

Step S42: the collecting bank node pays the payment for the goods to the collecting bank node, and informs the Oracle node to publish the transfer record Hash signature to the blockchain network;

Step S43: The collecting bank node receives the payment, publishes the signed payment receipt statement to the blockchain network, then remits the payment to the exporter node and notifies the exporter node to receive the payment, and notifies the Oracle node to hash the transfer record After signing, it is published to the blockchain network;

Step S44: The exporter node receives the payment, publishes a statement that the payment is received and the bill of lading is owned by the collecting bank node, and uploads it to the blockchain network after Hash signature;

Step S45: The collecting bank node obtains the ownership of the bill of lading, and then publishes a statement that the bill of lading is owned by the collecting bank node, performs Hash signature and uploads it to the blockchain network;

Step S46: The collecting bank node obtains the ownership of the bill of lading, and notifies the importer node to redeem the bill.

Further, the step S5 includes the following steps:

Step S51: The importer node applies to the collecting bank node for financing, fills in the relevant information in the import bill application form, performs Hash signature, and sends it to the collecting bank node and publishes it to the blockchain network;

Step S52: The collecting bank node receives the application for import collection bill payment, decides to provide import bill billing service for the importer node according to the credit status of the importer node, issues a collection trust receipt, and negotiates with the importer node on the blockchain. Deploy the trust agreement and send it to the importer node after Hash signature;

Step S53: The importer node verifies the authenticity of the trust agreement by using the public key of the collecting bank node, confirms the content by Hash signature after confirming that the content is correct, and publishes the signed trust agreement to the blockchain network;

Step S54: The collecting bank node uses the public key of the importer node to verify, confirms that the importer node agrees with the terms of the trust agreement, and publishes the statement that the right to use the bill of lading belongs to the importer node to the blockchain network, and the importer node obtains The right to use the bill of lading.

Further, the step S6 includes the following steps:

Step S61 : the importer node submits a commodity inspection application to the importer's commodity inspection bureau node, and after the importer's commodity inspection bureau node checks the imported goods as qualified, hash signature on the commodity inspection certificate and publish it to the blockchain network;

Step S62: the importer node applies to the importer's industry and commerce bureau node to issue an import permit certificate, and the importer's industry and commerce bureau node receives the application, issues the import permit certificate after verification, and performs a hash signature, and then uploads it to the blockchain network;

Step S63: The importer node applies to the importer's tax bureau node for customs declaration, the importer's tax bureau node receives the application, and after the verification is qualified, the importer node handles customs declaration and tax payment, and publishes the tax payment certificate signed by Hash to the blockchain network middle;

Step S64: the importer node applies to the importer's customs node for on-site inspection, the importer's customs node receives the application, and after checking that the goods are qualified, issues a release notice, and publishes it to the blockchain network after Hash signature;

Step S65: The importer node successfully picks up the goods, and stores the goods in the warehouse of the importer's logistics node, and the importer's logistics node receives the goods, issues a warehouse goods list after inspection, and sends it to the importer's node after Hash signature;

Step S66: The importer node receives the warehouse list, checks the warehouse goods list, confirms the hash signature on the warehouse goods list, and publishes it to the blockchain network.

Further, the following steps are also included between the step S6 and the step S7:

Step S67: After the importer node and the importer insurance company node negotiate various insurance matters offline, the importer insurance company node generates an insurance policy, signs the hash, and sends it to the importer node. After the importer node receives the insurance policy and checks that it is correct, After confirming the Hash signature, it is released to the blockchain network.

Further, the step S7 includes the following steps:

Step S71: The importer node picks up the goods from the warehouse of the importer's logistics node for processing, sales or resale, and then transfers the payment, interest and handling fee to the collecting bank node, and notifies the Oracle node to perform Hash signature on the transfer record and publish it to the block chain network;

Step S72: After receiving the payment, interest and handling fee, the collecting bank node notifies the Oracle node to present the statement and sign the Hash before publishing it to the blockchain network.

The present invention also provides a computer-readable storage medium for storing a computer program for import bills under collection based on blockchain, and the computer program executes the above-mentioned blockchain-based computer program when running on a computer The method of making import bills under collection.

The present invention has the following beneficial effects:

The method for import bills under collection based on blockchain of the present invention utilizes consensus technology, asymmetric encryption, Hash algorithm, digital identity, digital signature technology, and blockchain data structure to realize electronic and tamper-proof documents , Unforgeable, ensure the authenticity of various documents used in business, and solve the problems of easy forgery and inconvenient verification of paper documents. In addition, the blockchain can connect nodes that do not trust each other to realize the transmission of the trust mechanism, and has the characteristics of non-tampering, traceability, privacy protection, etc. The blockchain network, as the underlying architecture, can communicate with the application layer through the interface. Docking, so as to realize the interaction of key data, will to a certain extent solve the problem of difficulty in credit investigation caused by unclear business operations and transaction history of banks in traditional trade financing business. In addition, the blockchain can record all the steps in the process of goods from sending to receiving, and the entire process of goods from loading, transportation, and pickup can be clearly recorded on the blockchain, ensuring the traceability of information, thereby It can avoid the occurrence of lost packets and wrong claims, and enterprises can also grasp the logistics direction of products through the blockchain, prevent smuggling of goods, and facilitate the fight against counterfeiting.

In addition to the objects, features and advantages described above, the present invention has other objects, features and advantages. The present invention will be described in further detail below with reference to the drawings.

Description of drawings

The accompanying drawings constituting a part of the present application are used to provide further understanding of the present invention, and the exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the attached image:

FIG. 1 is a schematic diagram of the blockchain network deployment of the method for import bills under collection based on the blockchain based on the blockchain according to the preferred embodiment of the present invention.

FIG. 2 is a schematic diagram of the business network of the method for carrying out import bills under collection based on the blockchain based on the blockchain according to the preferred embodiment of the present invention.

FIG. 3 is a schematic flowchart of a method for import bills under collection based on a blockchain based on a blockchain according to a preferred embodiment of the present invention.

FIG. 4 is a schematic sub-flow diagram of step S1 in FIG. 3 according to a preferred embodiment of the present invention.

FIG. 5 is a schematic sub-flow diagram of step S2 in FIG. 3 according to a preferred embodiment of the present invention.

FIG. 6 is a schematic sub-flow diagram of step S3 in FIG. 3 according to a preferred embodiment of the present invention.

FIG. 7 is a schematic sub-flow diagram of step S4 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 8 is a schematic sub-flow diagram of step S5 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 9 is a schematic sub-flow diagram of step S6 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 10 is a schematic sub-flow diagram of step S7 in FIG. 3 according to the preferred embodiment of the present invention.

Detailed ways

The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in many different ways as defined and covered below.

For ease of understanding, as shown in Figures 1 and 2, the following explains the multi-party nodes involved in the blockchain network in the method for import bills under collection based on blockchain.

1. Oracle node (oracle machine): The mechanism for writing information outside the blockchain into the blockchain is the only way for smart contracts to interact with the outside world, and it is also the interface between the blockchain and the real world for data interaction;

2. Exporter node: refers to international trading companies, manufacturing enterprises and other units engaged in the export of international products;

3. The node of the Commodity Inspection Bureau of the exporter: refers to the inspection agency of the exporter that conducts inspections on the exported goods, including health quarantine, commodity inspection, etc.;

4. The node of the exporter's industry and commerce bureau: refers to the government's work department for market supervision and administrative law enforcement, responsible for supervising and managing the quality of exported goods, as well as reviewing and supervising the operation of exporting enterprises;

5. The node of the tax bureau of the exporter: the government agency in charge of taxation work. In this scenario, it is responsible for tax rebates and other tax services for export commodities;

6. Exporter's insurance company node: refers to the company that provides corresponding insurance services for the damage to the quantity and quality of the goods caused by the export of goods in the process of transportation, loading and unloading, etc.;

7. Exporter's customs node: refers to the government agency responsible for collecting and protecting tariffs and controlling exported goods;

8. The exporter's logistics node: it refers to the process of the exporter transferring the goods from the exporting place to the importing place. It mainly includes the planning, management and control process of transportation, loading and unloading, storage, packaging, distribution, logistics processing and information processing;

9. Collecting bank node: refers to the importing bank that accepts the entrustment of the collecting bank and collects money from the payer (importer). The collecting bank accepts the importer's request. After the importer (the applicant for the issuance of the L/C) signs the import collection forwarding contract and the trust receipt, it handles the import collection forwarding, and directly uses the proceeds from the import forwarding collection to the exporter. receiving bank payment;

10. Importer's Commodity Inspection Bureau node: point out that the importer conducts inspections on imported goods, including health quarantine, commodity inspection, etc.;

11. The node of the importer’s industry and commerce bureau: refers to the government’s work department for market supervision and administrative law enforcement, which is responsible for supervising and managing the quality of imported goods, as well as reviewing and supervising the operation of exporting enterprises;

12. Importer's customs node: refers to the government agency responsible for collecting and protecting tariffs and controlling gold-exported goods;

13. Importer's tax bureau node: the government agency in charge of taxation work, in this scenario, is responsible for tax payment and other taxation services for imported goods;

14. Collection bank node: refers to the bank that accepts the entrustment of the client and is responsible for handling the collection business;

15. Importer node: refers to international trading companies, manufacturing enterprises and other units engaged in the import of international products;

16. Importer logistics node: refers to the process of transferring imported goods. It mainly includes the planning, management and control process of transportation, loading and unloading, storage, packaging, distribution, logistics processing and information processing.

17. Importer's insurance company node: refers to the company that provides corresponding insurance services for the damage to the quantity and quality of the goods caused by the transportation, loading and unloading of imported goods;

18. Third-party credit institution node: refers to an intermediary institution specializing in various credit management activities. Its main function is to provide services for credit transactions of market entities, to solve the problem of information asymmetry that plagues credit transactions, so as to avoid such as "adverse selection" and "moral hazard" such dishonesty and immoral behavior.

As shown in Figure 3, a preferred embodiment of the present invention provides a method for import bills under collection based on blockchain, including the following steps:

Step S1: The importer node and the exporter node sign a trade contract on the blockchain, and agree to use the collection method for settlement;

Step S2: Based on the request of the importer node, the collecting bank node evaluates its credit status and signs the import collection payment contract with the importer node on the blockchain, and the collecting bank node and the exporter node are on the blockchain. Hash signature confirmation on the import collection forwarding contract;

Step S3: After the exporter node completes the stocking, the exporter's transportation activities are carried out, and the relevant information in the process of exporting the goods is uploaded to the blockchain after being signed by the relevant node Hash;

Step S4: the exporter node applies to the collecting bank node for acceptance based on the bill of lading, the collecting bank node notifies the collecting bank node to pay, and the collecting bank node obtains the ownership of the bill of lading after paying the payment, and notifies the importer node to carry out the redemption activity;

Step S5: The importer node and the collecting bank node sign a trust agreement on the blockchain, and the importer node obtains the right to use the bill of lading;

Step S6: The importer node conducts goods import and transportation activities, and the relevant information in the process of goods import is uploaded to the blockchain after being signed by the relevant node Hash;

Step S7: The importer node picks up the goods for processing, sales or resale and then pays to the collecting bank node, and the payment record is uploaded to the blockchain after being signed by the Oracle node Hash.

In this embodiment, the method for import bills under collection based on blockchain utilizes consensus technology, asymmetric encryption, Hash algorithm, digital identity, digital signature technology, and blockchain data structure to realize the verification of documents. Electronic and non-tampering, non-forgery, ensure the authenticity of various documents used in the business, and solve the problems of easy forgery and inconvenient verification of paper documents. In addition, the blockchain can connect nodes that do not trust each other to realize the transmission of the trust mechanism, and has the characteristics of non-tampering, traceability, privacy protection, etc. The blockchain network, as the underlying architecture, can communicate with the application layer through the interface. Docking, so as to realize the interaction of key data, will to a certain extent solve the problem of difficulty in credit investigation caused by unclear business operations and transaction history of banks in traditional trade financing business. In addition, the blockchain can record all the steps in the process of goods from sending to receiving, and the entire process of goods from loading, transportation, and pickup can be clearly recorded on the blockchain, ensuring the traceability of information, thereby It can avoid the occurrence of lost packets and wrong claims, and enterprises can also grasp the logistics direction of products through the blockchain, prevent smuggling of goods, and facilitate the fight against counterfeiting.

It can be understood that, as shown in FIG. 4 , the step S1 includes the following steps:

Step S11: The importer node deploys the trade contract on the blockchain after negotiating the trade details with the exporter node offline, and encrypts the summary of the trade contract with its own private key, and agrees in the trade contract to adopt the collection method. solve;

Step S12: The exporter node uses the public key of the importer node to verify, confirms that the trade contract is drawn up by the importer node and the contract content is correct, and uses its own private key to perform Hash signature confirmation on the blockchain.

In the step S1, the signing of the trade contract is carried out on the blockchain, which can prevent the contract from being maliciously tampered with, and the information is open and transparent, which facilitates the effective supervision of the authenticity of the trade by the nodes of other parties.

It can be understood that, as shown in FIG. 5 , the step S2 includes the following steps:

Step S21: The importer node applies to the collecting bank node for signing the import collection bill contract according to the trade contract, deploys the import bill collection contract application form on the blockchain, fills in the relevant information, and signs the application form with Hash and sends it To the collecting bank node;

Step S22: After receiving the application form of the importer's node's import collection advance contract, the collecting bank node uses the importer's public key to verify the application form, confirming that the application form really comes from the importer's node, and requests the third-party credit institution node to call Credit information about the importer node;

Step S23: After receiving the request, the third-party credit institution node notifies the Oracle node to apply for an investigation of the industrial and commercial data, tax data, product data and social evaluation data of the importer node;

Step S24: The Oracle node generates an investigation report, signs the Hash, and uploads it to the blockchain. Based on the investigation report and the transaction history of the importer node, the third-party credit agency node determines its credit data and generates a credit table for hashing. After signing, upload to the blockchain;

Step S25: The collecting bank node uses the public key of the third-party credit institution for verification, determines that it is from the credit status table of the third-party credit institution node, and sets the credit line for bill advance according to the credit status of the importer node, and then decides whether to Sign a contract with the importer's node for import collection and bill payment. If it is rejected, a rejection notice will be generated and signed by Hash, and then uploaded to the blockchain. If agreed, the import bill payment contract will be deployed on the blockchain and signed with Hash. sent to the importer node;

Step S26: The importer node verifies that the import collection forwarding contract is correct, confirms the Hash signature and uploads it to the blockchain, and sends the signed import collection forwarding contract to the collecting bank node;

Step S27: After the collecting bank node receives the import collection payment advance contract, it verifies the signature and confirms that it is the import collection payment advance contract from the importer node, and then performs a hash signature on the import collection payment advance contract and uploads it to the blockchain , and send the signed import collection forwarding contract to the exporter node;

Step S28: The exporter node receives the import bills collection contract from the collecting bank node, and uses the public key of the collecting bank node to verify that it is the import billing bill contract from the collecting bank node. Hash signature is performed on the contract and then uploaded to the blockchain.

In the step S2, the signing process of the import agency collection contract is automatically performed on the blockchain based on the smart contract technology, which simplifies the transmission and review process of relevant application forms and documents, and saves manpower, material resources, financial resources and time costs. , making the whole financing process faster, safer and smarter, and the collecting bank node can accurately evaluate the credit status of the importer node through the third-party credit institution node, reducing the financing risk of the collecting bank node. It also addresses potential risks posed by importer node reputation and poor performance.

It can be understood that, as shown in FIG. 6 , the step S3 includes the following steps:

Step S31: The exporter node starts to stock up, applies to the exporter's logistics node for chartering and booking warehouses according to the contract, and then deploys the transport order including the cargo transportation-related information on the blockchain, and sends it to the exporter's logistics after Hash signature. The node, the exporter's logistics node receives the transportation order, and after agreeing to accept the order, Hash signature on the transportation order and uploading to the blockchain;

Step S32: The exporter node applies for insurance to the exporter's insurance company node, and after offline negotiation and determination of various insurance items, the exporter's insurance company node generates an insurance policy, signs the Hash, and sends it to the exporter's node, and records it on the blockchain , the exporter node will apply for insurance after verifying the signature and the insurance policy, and confirm the Hash signature on the insurance policy and publish it on the blockchain;

Step S33: the exporter node applies to the exporter's commodity inspection bureau node for commodity inspection of the goods. After the exporter's commodity inspection bureau node receives the application, it conducts the commodity inspection of the goods. After the commodity inspection is passed, a commodity inspection report is issued and a hash signature is performed, and published on the blockchain;

Step S34: the exporter node applies to the exporter's industry and commerce bureau node for the enterprise's agent export certificate, and the exporter's industry and commerce bureau node receives the application, issues the enterprise's agent's export certificate and signs the Hash and publishes it to the blockchain network;

Step S35: the exporter node applies to the exporter's customs node for on-site inspection, and the exporter's customs node conducts on-site inspection after receiving the application, and after confirming that the exported goods meet the requirements, issues a release notice, performs a hash signature, and publishes it to the blockchain network;

Step S36: The exporter node delivers the goods to the exporter's logistics node, and the exporter's logistics node issues a bill of lading, signs it with Hash, and sends it to the exporter's node, and records it on the blockchain;

Step S37: After receiving the bill of lading and verifying that it is correct, the exporter node performs Hash signature confirmation, and publishes the signed bill of lading to the blockchain network;

Step S38: The exporter node uploads the relevant documents of the goods invoice to the blockchain network, and then applies for a tax refund to the node of the tax bureau of the exporter. The node of the tax bureau of the exporter reviews the bills, and handles the export tax refund after verification, and issues the tax refund certificate and Hash signature. Upload to the blockchain and notify the exporter node.

In the step S3, the information in the process of export and circulation of goods is uploaded to the blockchain after being signed by the relevant nodes. Effective supervision of the export and circulation process of goods ensures the traceability of information and prevents fraudulent export information.

It can be understood that, as shown in FIG. 7 , the step S4 includes the following steps:

Step S41: the exporter node obtains the bill of lading, applies to the collecting bank node for acceptance, the collecting bank node receives the acceptance application, reviews the documents on the blockchain, and notifies the collecting bank node to pay after confirming that the documents are correct;

Step S42: the collecting bank node pays the payment for the goods to the collecting bank node, and informs the Oracle node to publish the transfer record Hash signature to the blockchain network;

Step S43: The collecting bank node receives the payment, publishes the signed payment receipt statement to the blockchain network, then remits the payment to the exporter node and notifies the exporter node to receive the payment, and notifies the Oracle node to hash the transfer record After signing, it is published to the blockchain network;

Step S44: The exporter node receives the payment, publishes a statement that the payment is received and the bill of lading is owned by the collecting bank node, and uploads it to the blockchain network after Hash signature;

Step S45: The collecting bank node obtains the ownership of the bill of lading, and then publishes a statement that the bill of lading is owned by the collecting bank node, performs Hash signature and uploads it to the blockchain network;

Step S46: The collecting bank node obtains the ownership of the bill of lading, and notifies the importer node to redeem the bill.

In the step S6, the exporter node applies for acceptance after obtaining the bill of lading, and the transfer records of the acceptance process are all signed by the Oracle node Hash and uploaded to the blockchain, which ensures the authenticity of the transfer and prevents false transactions. In addition, the transfer process of the bill of lading ownership is also carried out openly and transparently on the blockchain, which is convenient for the collecting bank node to effectively supervise the ownership process of the bill of lading.

It can be understood that, as shown in FIG. 8 , the step S5 includes the following steps:

Step S51: The importer node applies to the collecting bank node for financing, fills in the relevant information in the import bill application form, performs Hash signature, and sends it to the collecting bank node and publishes it to the blockchain network;

Step S52: The collecting bank node receives the application for import collection bill payment, decides to provide import bill billing service for the importer node according to the credit status of the importer node, issues a collection trust receipt, and negotiates with the importer node on the blockchain. Deploy the trust agreement and send it to the importer node after Hash signature;

Step S53: The importer node verifies the authenticity of the trust agreement by using the public key of the collecting bank node, confirms the content by Hash signature after confirming that the content is correct, and publishes the signed trust agreement to the blockchain network;

Step S54: The collecting bank node uses the public key of the importer node to verify, confirms that the importer node agrees with the terms of the trust agreement, and publishes the statement that the right to use the bill of lading belongs to the importer node to the blockchain network, and the importer node obtains The right to use the bill of lading.

In the step S5, the financing process is carried out openly and transparently on the blockchain based on the smart contract technology, which facilitates the effective supervision of exporter nodes and collection bank nodes, and also speeds up the financing progress, which is conducive to fast, safe and intelligent financing. conduct.

It can be understood that, as shown in FIG. 9 , the step S6 includes the following steps:

Step S61 : the importer node submits a commodity inspection application to the importer's commodity inspection bureau node, and after the importer's commodity inspection bureau node checks the imported goods as qualified, hash signature on the commodity inspection certificate and publish it to the blockchain network;

Step S62: the importer node applies to the importer's industry and commerce bureau node to issue an import permit certificate, and the importer's industry and commerce bureau node receives the application, issues the import permit certificate after verification, and performs a hash signature, and then uploads it to the blockchain network;

Step S63: The importer node applies to the importer's tax bureau node for customs declaration, the importer's tax bureau node receives the application, and after the verification is qualified, the importer node handles customs declaration and tax payment, and publishes the tax payment certificate signed by Hash to the blockchain network middle;

Step S64: the importer node applies to the importer's customs node for on-site inspection, the importer's customs node receives the application, and after checking that the goods are qualified, issues a release notice, and publishes it to the blockchain network after Hash signature;

Step S65: The importer node successfully picks up the goods, and stores the goods in the warehouse of the importer's logistics node, and the importer's logistics node receives the goods, issues a warehouse goods list after inspection, and sends it to the importer's node after Hash signature;

Step S66: The importer node receives the warehouse list, checks the warehouse goods list, confirms the hash signature on the warehouse goods list, and publishes it to the blockchain network.

In the step S6, the information in the process of import and circulation of goods is uploaded to the blockchain after being signed by the relevant nodes, and the entire process of importing goods is open and transparent on the blockchain, which is convenient for all nodes, especially the collecting bank nodes. Effective supervision of the import and circulation process of goods ensures the traceability of the import information of goods and avoids loss of packages and wrong claims.

It can be understood that, preferably, the method for carrying out import bills under collection based on blockchain further includes the following steps between step S6 and step S7:

Step S67: After the importer node and the importer insurance company node negotiate various insurance matters offline, the importer insurance company node generates an insurance policy, signs the hash, and sends it to the importer node. After the importer node receives the insurance policy and checks that it is correct, After confirming the Hash signature, it is released to the blockchain network.

It can be understood that, as shown in FIG. 10 , the step S7 includes the following steps:

Step S71: The importer node picks up the goods from the warehouse of the importer's logistics node for processing, sales or resale, and then transfers the payment, interest and handling fee to the collecting bank node, and notifies the Oracle node to perform Hash signature on the transfer record and publish it to the block chain network;

Step S72: After receiving the payment, interest and handling fee, the collecting bank node notifies the Oracle node to present the statement and sign the Hash before publishing it to the blockchain network.

In the step S7, the importer node first picks up the goods, processes, sells or resells and then collects the payment, and then pays the payment, interest and handling fee to the collecting bank node, which greatly alleviates the problem of capital shortage of the importer node. And the transfer record is uploaded to the blockchain after being signed by the Oracle node, which ensures the authenticity of the transfer and facilitates later traceability.

It can be understood that the second embodiment of the present invention also provides a computer-readable storage medium for storing a computer program for import bills under collection based on blockchain, and the computer program executes the above when running on a computer The blockchain-based method for import bills under collection is based on blockchain.

Typical forms of computer readable media include: floppy disks, flexible disks, hard disks, magnetic tapes, any other magnetic media, CD-ROMs, any other optical media, punchcards ), paper tape, any other physical medium with a pattern of holes, random access memory (RAM), programmable read only memory (PROM), erasable programmable read only memory (EPROM), Flash erasable programmable read only memory (FLASH-EPROM), any other memory chip or cartridge, or any other computer-readable medium. The instructions may further be transmitted or received by a transmission medium. The term transmission medium can include any tangible or intangible medium that can be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communication signals or intangible media that facilitate communication of such instructions. Transmission media include coaxial cables, copper wire, and fiber optics, which contain the wires of a bus used to transmit computer data signals.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. a method for import bills under collection based on block chain, is characterized in that, Include the following steps: Step S1: The importer node and the exporter node sign a trade contract on the blockchain, and agree to use the collection method for settlement; Step S2: Based on the request of the importer node, the collecting bank node evaluates its credit status and signs the import collection payment contract with the importer node on the blockchain, and the collecting bank node and the exporter node are on the blockchain. Hash signature confirmation on the import collection forwarding contract; Step S3: After the exporter node completes the stocking, the exporter's transportation activities are carried out, and the relevant information in the process of exporting the goods is uploaded to the blockchain after being signed by the relevant node Hash; Step S4: the exporter node applies to the collecting bank node for acceptance based on the bill of lading, the collecting bank node notifies the collecting bank node to pay, and the collecting bank node obtains the ownership of the bill of lading after paying the payment, and notifies the importer node to carry out the redemption activity; Step S5: The importer node and the collecting bank node sign a trust agreement on the blockchain, and the importer node obtains the right to use the bill of lading; Step S6: The importer node conducts goods import and transportation activities, and the relevant information in the process of goods import is uploaded to the blockchain after being signed by the relevant node Hash; Step S7: The importer node picks up the goods for processing, sales or resale and then pays to the collecting bank node, and the payment record is uploaded to the blockchain after being signed by the Oracle node Hash. 2. the method for import bills under collection based on block chain as claimed in claim 1, is characterized in that, The step S2 includes the following steps: Step S21: The importer node applies to the collecting bank node for signing the import collection bill contract according to the trade contract, deploys the import bill collection contract application form on the blockchain, fills in the relevant information, and signs the application form with Hash and sends it To the collecting bank node; Step S22: After receiving the application form of the importer's node's import collection advance contract, the collecting bank node uses the importer's public key to verify the application form, confirming that the application form really comes from the importer's node, and requests the third-party credit institution node to call Credit information about the importer node; Step S23: After receiving the request, the third-party credit institution node notifies the Oracle node to apply for an investigation of the industrial and commercial data, tax data, product data and social evaluation data of the importer node; Step S24: The Oracle node generates an investigation report, signs the Hash, and uploads it to the blockchain. Based on the investigation report and the transaction history of the importer node, the third-party credit agency node determines its credit data and generates a credit table for hashing. After signing, upload to the blockchain; Step S25: The collecting bank node uses the public key of the third-party credit institution for verification, determines that it is from the credit status table of the third-party credit institution node, and sets the credit line for bill advance according to the credit status of the importer node, and then decides whether to Sign a contract with the importer's node for import collection and bill payment. If it is rejected, a rejection notice will be generated and signed by Hash, and then uploaded to the blockchain. If agreed, the import bill payment contract will be deployed on the blockchain and signed with Hash. sent to the importer node; Step S26: The importer node verifies that the import collection forwarding contract is correct, confirms the Hash signature and uploads it to the blockchain, and sends the signed import collection forwarding contract to the collecting bank node; Step S27: After the collecting bank node receives the import collection payment advance contract, it verifies the signature and confirms that it is the import collection payment advance contract from the importer node, and then performs a hash signature on the import collection payment advance contract and uploads it to the blockchain , and send the signed import collection forwarding contract to the exporter node; Step S28: The exporter node receives the import bills collection contract from the collecting bank node, and uses the public key of the collecting bank node to verify that it is the import billing bill contract from the collecting bank node. Hash signature is performed on the contract and then uploaded to the blockchain. 3. the method for import bills under collection based on block chain as claimed in claim 2, is characterized in that, The step S1 includes the following steps: Step S11: The importer node deploys the trade contract on the blockchain after negotiating the trade details with the exporter node offline, and encrypts the summary of the trade contract with its own private key, and agrees in the trade contract to adopt the collection method. solve; Step S12: The exporter node uses the public key of the importer node to verify, confirms that the trade contract is drawn up by the importer node and the contract content is correct, and uses its own private key to perform Hash signature confirmation on the blockchain. 4. The method for import bills under collection based on blockchain as claimed in claim 3, characterized in that, The step S3 includes the following steps: Step S31: The exporter node starts to stock up, applies to the exporter's logistics node for chartering and booking warehouses according to the contract, and then deploys the transport order including the cargo transportation-related information on the blockchain, and sends it to the exporter's logistics after Hash signature. The node, the exporter's logistics node receives the transportation order, and after agreeing to accept the order, Hash signature on the transportation order and uploading to the blockchain; Step S32: The exporter node applies for insurance to the exporter's insurance company node, and after offline negotiation and determination of various insurance items, the exporter's insurance company node generates an insurance policy, signs the Hash, and sends it to the exporter's node, and records it on the blockchain , the exporter node will apply for insurance after verifying the signature and the insurance policy, and confirm the Hash signature on the insurance policy and publish it on the blockchain; Step S33: the exporter node applies to the exporter's commodity inspection bureau node for commodity inspection of the goods. After the exporter's commodity inspection bureau node receives the application, it conducts the commodity inspection of the goods. After the commodity inspection is passed, a commodity inspection report is issued and a hash signature is performed, and published on the blockchain; Step S34: the exporter node applies to the exporter's industry and commerce bureau node for the enterprise's agent export certificate, and the exporter's industry and commerce bureau node receives the application, issues the enterprise's agent's export certificate and signs the Hash and publishes it to the blockchain network; Step S35: the exporter node applies to the exporter's customs node for on-site inspection, and the exporter's customs node conducts on-site inspection after receiving the application, and after confirming that the exported goods meet the requirements, issues a release notice, performs a hash signature, and publishes it to the blockchain network; Step S36: The exporter node delivers the goods to the exporter's logistics node, and the exporter's logistics node issues a bill of lading, signs it with Hash, and sends it to the exporter's node, and records it on the blockchain; Step S37: After receiving the bill of lading and verifying that it is correct, the exporter node performs Hash signature confirmation, and publishes the signed bill of lading to the blockchain network; Step S38: The exporter node uploads the relevant documents of the goods invoice to the blockchain network, and then applies for a tax refund to the node of the tax bureau of the exporter. The node of the tax bureau of the exporter reviews the bills, and handles the export tax refund after verification, and issues the tax refund certificate and Hash signature. Upload to the blockchain and notify the exporter node. 5. The method for import bills under collection based on blockchain as claimed in claim 4, characterized in that, The step S4 includes the following steps: Step S41: the exporter node obtains the bill of lading, applies to the collecting bank node for acceptance, the collecting bank node receives the acceptance application, reviews the documents on the blockchain, and notifies the collecting bank node to pay after confirming that the documents are correct; Step S42: the collecting bank node pays the payment for the goods to the collecting bank node, and informs the Oracle node to publish the transfer record Hash signature to the blockchain network; Step S43: The collecting bank node receives the payment, publishes the signed payment receipt statement to the blockchain network, then remits the payment to the exporter node and notifies the exporter node to receive the payment, and notifies the Oracle node to hash the transfer record After signing, it is published to the blockchain network; Step S44: The exporter node receives the payment, publishes a statement that the payment is received and the bill of lading is owned by the collecting bank node, and uploads it to the blockchain network after Hash signature; Step S45: The collecting bank node obtains the ownership of the bill of lading, and then publishes a statement that the bill of lading is owned by the collecting bank node, performs Hash signature and uploads it to the blockchain network; Step S46: The collecting bank node obtains the ownership of the bill of lading, and notifies the importer node to redeem the bill. 6. The method for import bills under collection based on blockchain as claimed in claim 5, characterized in that, The step S5 includes the following steps: Step S51: The importer node applies to the collecting bank node for financing, fills in the relevant information in the import bill application form, performs Hash signature, and sends it to the collecting bank node and publishes it to the blockchain network; Step S52: The collecting bank node receives the application for import collection bill payment, decides to provide import bill billing service for the importer node according to the credit status of the importer node, issues a collection trust receipt, and negotiates with the importer node on the blockchain. Deploy the trust agreement and send it to the importer node after Hash signature; Step S53: The importer node verifies the authenticity of the trust agreement by using the public key of the collecting bank node, confirms the content by Hash signature after confirming that the content is correct, and publishes the signed trust agreement to the blockchain network; Step S54: The collecting bank node uses the public key of the importer node to verify, confirms that the importer node agrees with the terms of the trust agreement, and publishes the statement that the right to use the bill of lading belongs to the importer node to the blockchain network, and the importer node obtains The right to use the bill of lading. 7. The method for import bills under collection based on blockchain as claimed in claim 6, characterized in that, The step S6 includes the following steps: Step S61 : the importer node submits a commodity inspection application to the importer's commodity inspection bureau node, and after the importer's commodity inspection bureau node checks the imported goods as qualified, hash signature on the commodity inspection certificate and publish it to the blockchain network; Step S62: the importer node applies to the importer's industry and commerce bureau node to issue an import permit certificate, and the importer's industry and commerce bureau node receives the application, issues the import permit certificate after verification, and performs a hash signature, and then uploads it to the blockchain network; Step S63: The importer node applies to the importer's tax bureau node for customs declaration, the importer's tax bureau node receives the application, and after the verification is qualified, the importer node handles customs declaration and tax payment, and publishes the tax payment certificate signed by Hash to the blockchain network middle; Step S64: the importer node applies to the importer's customs node for on-site inspection, the importer's customs node receives the application, and after checking that the goods are qualified, issues a release notice, and publishes it to the blockchain network after Hash signature; Step S65: The importer node successfully picks up the goods, and stores the goods in the warehouse of the importer's logistics node, and the importer's logistics node receives the goods, issues a warehouse goods list after inspection, and sends it to the importer's node after Hash signature; Step S66: The importer node receives the warehouse list, checks the warehouse goods list, confirms the hash signature on the warehouse goods list, and publishes it to the blockchain network. 8. The method for import bills under collection based on blockchain as claimed in claim 7, characterized in that, The following steps are also included between the step S6 and the step S7: Step S67: After the importer node and the importer insurance company node negotiate various insurance matters offline, the importer insurance company node generates an insurance policy, signs the hash, and sends it to the importer node. After the importer node receives the insurance policy and checks that it is correct, After confirming the Hash signature, it is released to the blockchain network. 9. The method for import bills under collection based on blockchain as claimed in claim 8, characterized in that, The step S7 includes the following steps: Step S71: The importer node picks up the goods from the warehouse of the importer's logistics node for processing, sales or resale, and then transfers the payment, interest and handling fee to the collecting bank node, and notifies the Oracle node to perform Hash signature on the transfer record and publish it to the block chain network; Step S72: After receiving the payment, interest and handling fee, the collecting bank node notifies the Oracle node to present the statement and sign the Hash before publishing it to the blockchain network. 10. A computer-readable storage medium for storing a computer program for import bills under collection based on block chain, characterized in that the computer program executes the procedures as claimed in claims 1 to 9 when running on a computer Any one of the methods for import bills under collection based on blockchain.

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