Supply chain prepayment financing method based on block chain of internet of things

Abstract

The invention provides a supply chain prepayment financing method based on a block chain of the internet of things. The method comprises the following steps: designing an intelligent logistics management and control system, acquiring the whole process management and control information of goods from container loading, transportation to container unloading by a sensor, and saving the sensing data to the block chain in real time as the basis of goods value preservation; and by combining with the traditional bank clearing network and block chain financial network to deposit and pay deposits, performing clearing and depositing and paying by using batch payment of the price for goods and batch right of taking delivery of goods. The invention designs a supply chain prepayment financing method based on the internet of things and the block chain technology, the issue of trust among multi-agency bodies has been effectively resolved, the invention realizes the payment problem of purchasing and selling goods and four-party silver under the heterogeneous network, the method is suitable for the safe transportation of goods of various enterprises, realizes the real-time collection and trustworthy saving of data in the transmission process, guarantees the value preservation of the goods transportation, reduces the risks of the bank, and effectively alleviates the short-term capital pressure brought by the full-amount purchase, and realizes the multi-win purpose.

Description

technical field [0001] The invention relates to the technical field of financing management, in particular to a method for prepaid account financing of supply chains based on the Internet of Things block chain. Background technique [0002] Supply chain finance is a financing model in which banks connect core enterprises with upstream and downstream enterprises to provide flexible financial products and services. Generally speaking, the supply chain of a specific commodity includes the whole process from the procurement of raw materials to the manufacture of intermediate and final products, and finally the products are delivered to consumers by the sales network. Suppliers, manufacturers, distributors, retailers , Until the end user is connected as a whole. The difference between supply chain finance and traditional finance is mainly reflected in the control of risks and the flexibility of credit granting. Traditional finance focuses on enterprises and business itself in is...

AI Technical Summary

Problems solved by technology

[0005] 1. During the transportation process of logistics enterprises, the preservation and value preservation of items cannot be guaranteed, and there is no fair way to identify items lost, damaged or reduced in value during the transportation process; this point is not mentioned in the current research

[0006] 2. After the buyer obtains the right to pick up the goods, he needs to make automatic payment of funds when acquiring the goods, and at this time, it is difficult for logistics, banks, and enterprises to maintain consistency in whether to pick up the goods or the quantity of the goods (lost goods, dropped packages, etc.) , although the existing Chinese patent application number CN201710659646.4 proposes a combination of logistics finance and banking finance, using the Ethereum blockchain smart contract platform as the underlying architecture to build a production end, logistics enterprise end, Logistics platform + bank chain and client application platform, but enterprises often become a blind spot, unable to control the buyer's deposit and the number and quantity of goods withdrawal, which will cause greater risks to banks; at the same time, the patent It also does not solve the payment problem from the actual bank clearing network to the blockchain financial network

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