Method and device for processing letter of credit verification data based on blockchain

Abstract

The present invention provides a blockchain-based method and device for processing letter of credit verification data, which involves blockchain technology. The method includes: receiving a user's letter of credit verification request data; verifying the letter of credit verification request data according to a pre-deployed letter of credit smart contract to generate letter of credit verification transaction data; and updating the letter of credit status data according to the letter of credit verification transaction data. Self-maintenance of the letter of credit status is achieved, and automatic verification and verification are performed without manual participation. It can effectively improve the automation level of international business, reduce the risk of manual review errors, reduce costs, and improve processing efficiency.

Description

Technical Field

[0001] The present invention relates to data processing technology, and specifically to a method and device for processing letter of credit verification data based on blockchain. Background Art

[0002] A letter of credit is a commitment made by a bank, based on the applicant's request and instructions, to pay a third party (beneficiary of the letter of credit) against the prescribed documents, subject to the conditions that the requirements of the letter of credit are met.

[0003] Letters of credit are usually described in natural language, generally describing the importer's requirements for the specifications and quantity of goods, price, place of delivery and time limit for delivery. When the exporter completes production and delivery, the exporter submits valid invoices, packing lists, bills of lading and other documents to the bank for review. Because the review terms are described in natural language, it is currently necessary to manually review whether these documents are consistent with the requirements of the letter of credit. If they are consistent, the subsequent settlement and other business processing processes will continue. Only by realizing the automatic review of the terms of the letter of credit can the automation of letter of credit processing be finally realized and the business processing efficiency be improved. Since different importers have different requirements for the terms of the letter of credit, it is difficult to apply a set of unified structured rules to all letters of credit. Summary of the invention

[0004] In order to overcome at least one defect of the prior art, the present invention provides a method for processing letter of credit verification data based on blockchain, comprising:

[0005] Receive the user's letter of credit verification request data;

[0006] Verifying the letter of credit verification request data according to the pre-deployed letter of credit smart contract to generate letter of credit verification transaction data;

[0007] Update the letter of credit status data according to the letter of credit verification transaction data.

[0008] In the embodiment of the present invention, the letter of credit verification request data includes: digital signature information and document data of the current transaction;

[0009] The letter of credit status data includes: preset letter of credit status information and preset letter of credit life cycle data; the letter of credit status information includes: letter of credit amount, opening date, expiration date, place of receipt, importer, exporter, issuing bank and notifying bank;

[0010] The document data includes: bills of lading, packing lists, commercial invoices, insurance policies, contracts, bills of exchange, customer authorization letters, customs declarations, health certificates and certificates of origin related to international trade.

[0011] In the embodiment of the present invention, the method further includes:

[0012] Obtain the letter of credit transaction description information and preset letter of credit status information input by the user;

[0013] The letter of credit transaction description information and the preset letter of credit status information are subjected to structured data processing to deploy the letter of credit smart contract.

[0014] In the embodiment of the present invention, the method further includes:

[0015] Performing authority verification according to the digital signature information;

[0016] Determine the authority verification by performing a letter of credit verification transaction based on the letter of credit status data and document data of the current transaction to generate letter of credit verification transaction data.

[0017] In the embodiment of the present invention, the method further includes:

[0018] Confirm the authority verification by generating the letter of credit agent items and receiving the letter of credit agent items confirmation information completed by the current letter of credit transaction user;

[0019] After receiving the confirmation information of the letter of credit agency matters completed by the current letter of credit transaction user, the letter of credit status information is updated according to the letter of credit verification transaction data according to the pre-deployed letter of credit smart contract.

[0020] At the same time, the present invention also provides a blockchain-based letter of credit verification data processing device, comprising:

[0021] A receiving module, used for receiving the user's letter of credit verification request data;

[0022] An audit module, used to verify the letter of credit audit request data according to a pre-deployed letter of credit smart contract to generate letter of credit verification transaction data;

[0023] The status management module is used to update the letter of credit status data according to the letter of credit verification transaction data.

[0024] In an embodiment of the present invention, the device further includes:

[0025] The receiving module is also used to receive the letter of credit transaction description information and the preset letter of credit status information input by the user;

[0026] The device also includes:

[0027] The blockchain contract deployment module is used to perform structured data processing on the letter of credit transaction description information and preset letter of credit status information to deploy the letter of credit smart contract.

[0028] In an embodiment of the present invention, the device further comprises:

[0029] A signature verification module, used to perform authority verification based on the digital signature information;

[0030] After confirming that the authority verification has passed, the review module performs a letter of credit verification transaction based on the letter of credit status data of the current transaction and the submitted document data to generate letter of credit verification transaction data.

[0031] In an embodiment of the present invention, the device further comprises:

[0032] The agent management module is used to determine the authority verification by generating letter of credit agent items and receiving the confirmation information of the letter of credit agent items completed by the current letter of credit transaction user;

[0033] After receiving the confirmation information of the letter of credit agency matters completed by the current letter of credit transaction user, the agency management module updates the letter of credit status information according to the letter of credit verification transaction data based on the pre-deployed letter of credit smart contract.

[0034] At the same time, the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, and the above method is implemented when the processor executes the computer program.

[0035] At the same time, the present invention also provides a computer-readable storage medium, which stores a computer program for executing the above method.

[0036] Compared with the traditional natural language description letter of credit, the blockchain-based letter of credit verification data processing method and device provided by the present invention can realize the self-maintenance of the state of the letter of credit based on the smart contract, and the programming of the terms realizes the automatic verification of the document without human participation. It can effectively improve the automation level of international business, reduce the risk of manual review errors, reduce costs and improve processing efficiency. Blockchain is also safe, transparent and traceable. Completing international business through blockchain can also reduce the legal risks faced by the business.

[0037] In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0039] Figure 1A flowchart of a blockchain-based letter of credit verification data processing method provided by the present invention;

[0040] Figure 2 A schematic diagram of an embodiment of the present invention;

[0041] Figure 3 A schematic diagram of an embodiment of the present invention;

[0042] Figure 4 is a block diagram of an embodiment of the present invention;

[0043] Figure 5 is a flow chart of an embodiment of the present invention;

[0044] Figure 6 A block diagram of a blockchain-based letter of credit verification data processing device provided by the present invention;

[0045] Figure 7 A block diagram provided for an embodiment of the present invention;

[0046] Figure 8 A block diagram provided for an embodiment of the present invention;

[0047] Fig. 9 A block diagram provided for an embodiment of the present invention;

[0048] Fig.10 A schematic diagram of an electronic device embodiment provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0049] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0050] In view of the problems existing in the prior art in the review and settlement of letters of credit, the present invention provides a method for processing letter of credit verification data based on blockchain, such as Figure 1 As shown, the method includes:

[0051] Step S101, receiving the user's letter of credit verification request data;

[0052] Step S102, verifying the letter of credit verification request data according to the pre-deployed letter of credit smart contract to generate letter of credit verification transaction data;

[0053] Step S103, updating the letter of credit status data according to the letter of credit verification transaction data.

[0054] The present invention provides a blockchain-based method for processing letter of credit verification data, which verifies the letter of credit review and verification request data through a pre-deployed letter of credit smart contract to generate letter of credit verification transaction data, and updates the letter of credit status data according to the letter of credit verification transaction data to realize the automation of letter of credit processing and improve business processing efficiency.

[0055] In the embodiment of the present invention, the letter of credit verification request data includes: digital signature information and document data of the current transaction;

[0056] The letter of credit status data includes: preset letter of credit status information and preset letter of credit life cycle data; the letter of credit status information includes: letter of credit amount, opening date, expiration date, place of receipt, importer, exporter, issuing bank and notifying bank.

[0057] In the embodiment of the present invention, the method further includes:

[0058] Obtain the letter of credit transaction description information and preset letter of credit status information input by the user;

[0059] The letter of credit transaction description information and the preset letter of credit status information are subjected to structured data processing to deploy the letter of credit smart contract.

[0060] In the embodiment of the present invention, the version of the letter of credit described by the program language, that is, the letter of credit terms are described by the program language coding, so as to realize the programming and intelligence of the letter of credit, and preset the letter of credit status data, so as to pre-deploy the letter of credit smart contract, and deploy the program to the blockchain as a smart contract. The subsequent transaction process only needs to input the structured letter of credit verification request data into the smart contract, and the smart contract will automatically complete the review of relevant terms and the automatic change of the letter of credit status based on these data. Automatic review and settlement of letters of credit without human participation is realized.

[0061] In the embodiment of the present invention, the method further includes:

[0062] Performing authority verification according to the digital signature information;

[0063] Determine the authority verification by performing a letter of credit verification transaction based on the letter of credit status data of the current transaction and the submitted document data to generate letter of credit verification transaction data.

[0064] In the embodiment of the present invention, after receiving the digital document of the letter of credit verification request, first check whether the digital document has a preset signature, and if so, enter the subsequent specific document verification process. If the smart contract fails the document verification, it returns to the need to resubmit the document to further ensure the security of the transaction.

[0065] In the embodiment of the present invention, the method further includes:

[0066] Confirm that the document review has passed the generation of the letter of credit agent matters and receive the confirmation information of the letter of credit agent matters completed by the current letter of credit transaction user;

[0067] After receiving the confirmation information of the letter of credit agency matters completed by the current letter of credit transaction user, the letter of credit status information is updated according to the letter of credit verification transaction data according to the pre-deployed letter of credit smart contract.

[0068] In one embodiment of the present invention, if the smart contract passes the document review, part of the state of the smart contract will be locked, such as locking part of the fund limit, and a to-do list will be generated. After both parties complete this to-do list, a completion certificate will be sent to the smart contract. For example, in a specific embodiment of the present invention, a new to-do list of the notifying bank to the issuing bank for sending documents and claiming compensation is generated. The notifying bank sends the documents to the issuing bank. After the issuing bank pays the notifying bank, the completion certificate of this to-do list is sent to the smart contract; after the smart contract verifies that the to-do list is completed, a payment and redemption to-do list of the importer to the issuing bank is generated. The importer pays the issuing bank and redeems the property document. After completion, the completion certificate of this to-do list is sent to the smart contract.

[0069] In an embodiment of the present invention, after updating the letter of credit status data according to the letter of credit verification transaction data, it also includes: checking the letter of credit life cycle data of the current transaction, and judging whether the letter of credit life cycle data of the current transaction is valid according to the preset letter of credit life cycle data.

[0070] In the embodiment of the present invention, the letter of credit status data is preset in the smart contract when the smart contract is deployed. After the construction is completed, direct modification is generally not allowed and can only be changed after the document review is triggered.

[0071] Each time the status of a letter of credit changes or specified external conditions are met, such as a change in the balance of a letter of credit or the expiration date of a letter of credit, a check on the life cycle of the letter of credit can be triggered. If the letter of credit is determined to be valid after the check, new letter of credit verification request data will continue to be accepted; if the letter of credit is found to have reached the closed-file conditions, the status of all letters of credit will be frozen, and subsequent viewing will only be allowed, and no modification will be allowed.

[0072] The present invention proposes a full life cycle letter of credit settlement solution with automatic review and verification based on smart contracts, and proposes a letter of credit version described in a programming language, that is, the letter of credit terms are described by programming language coding to realize the programming and intelligence of the letter of credit, and the program is deployed to the blockchain to realize the blockchain smart contract for letter of credit review and verification. In the subsequent transaction process, only structured data needs to be input into the smart contract, and the smart contract automatically completes the review of relevant terms and automatic change of the letter of credit status based on these data, thereby realizing automatic review and settlement of the letter of credit without human participation.

[0073] A letter of credit is a conditional payment commitment by a bank. As long as the documents submitted by the seller meet the terms of the letter of credit, the bank must pay. The embodiment of the present invention proposes a smart contract that can realize automatic review and settlement of letters of credit and a method for using the smart contract. Figure 2 As shown, it is a schematic diagram of the transaction process of a documentary letter of credit in an embodiment of the present invention.

[0074] This embodiment mainly includes the following steps:

[0075] The detailed process of opening a letter of credit is as follows: Figure 2 As shown, the buyer (importer) makes an application, the issuing bank issues a letter of credit, and the notifying bank then notifies the seller of the letter of credit.

[0076] The letter of credit generally describes the buyer's description of the specifications, quantity and delivery point of the goods. The following is an example of a letter of credit in one embodiment of the present invention:

[0077]

[0078] The above letter of credit describes the requirements for the sale of goods:

[0079] After receiving the letter of credit, Company B in China should export 10,000 boxes (50 cm long, 40 cm wide, and 30 cm high) of apples to Company A in the United States before January 1, 2022. The destination will be Port C in the United States. After completing the shipment, Company A needs to pay Company B US$100,000.

[0080] like Figure 3 As shown, it is a settlement flow chart of a letter of credit in an embodiment of the present invention. When the documents are consistent, the designated bank pays on behalf of the issuing bank. The designated bank claims compensation from the issuing bank according to the agency bank agreement and the letter of credit.

[0081] Continuing with the above example:

[0082] After Company B (the seller) finishes picking and packing 10,000 boxes of apples, it hands the apples over to Shipping Company D (the carrier) to be shipped to Port C in the United States. Shipping Company D will give Company B the bill of lading, packing list, etc.

[0083] Company B submits the bill of lading, packing list, insurance policy and invoice to the notifying bank. The notifying bank will check whether the contents of these documents are consistent with the description of the letter of credit, such as whether the place of receipt described in the bill of lading is Port C in the United States, whether the beneficiary in the bill of lading is Company A, whether the goods in the packing list are 10,000 boxes of apples, whether the amount of the invoice is US$100,000, etc. After reviewing the documents and finding them qualified, the notifying bank will pay Company B and send the documents to the issuing bank. After receiving the documents, the issuing bank will pay the notifying bank and hand the documents to Company A (the buyer). After receiving the documents, Company A will pay the issuing bank. Company A goes to Port C and hands over the bill of lading (property document, declaring the ownership of the goods) to the shipping company D, and then the goods can be taken away. This completes the entire transaction process of the letter of credit.

[0084] In the transaction process of the above-mentioned letter of credit, the most critical and complicated part is the bank's document review. The bank will only check whether the document meets the requirements of the letter of credit, and will not really check whether the goods have been actually shipped. In the prior art, these document review requirements are described in natural language in the letter of credit and need to be reviewed manually. When constructing a letter of credit, the present invention describes the document review rules in a programming language, for example, making it into a function. Any method known to those skilled in the art can be used as a method for constructing a letter of credit in the embodiment of the present invention. The bank only needs to input the structured document data into this function, and this function will internally check whether the input document meets the requirements of the letter of credit and return the result of whether the document review is passed or not.

[0085] Step 1): The importer builds a smart contract for the letter of credit and submits it to the issuing bank, notifying bank and exporter for review. The approved smart contract is then deployed on the blockchain.

[0086] The letter of credit smart contract is similar to a class object, as shown below

[0087]

[0088]

[0089]

[0090] The above is a very simple import letter of credit smart contract example. The actual smart contract is more complex and contains more properties and methods. Deploying the above class object to the blockchain is a smart contract.

[0091] External entities (buyers, sellers, banks, etc.) interact with smart contracts by calling public methods exposed by smart contracts. The interaction with smart contracts will change the properties of smart contracts and realize the status change of smart contracts, namely letters of credit.

[0092] Step 2): The exporter prepares relevant documents according to the requirements of the letter of credit and submits them to the notifying bank. After verifying the authenticity of the documents, the notifying bank electronically structures and signs them to form digital documents.

[0093] Step 3): Input the digital document into the smart contract. The built-in method of the smart contract will review the document according to the preset terms and rules. After the review is passed, the status of part of the letter of credit will be locked according to the preset rules and a pending instruction will be generated.

[0094] Step 4): After the relevant parties of the pending instructions complete the pending instructions, they input the digital proof of the completion of the pending instructions into the smart contract. After verification, the smart contract generates a new pending instruction according to the preset rules. Repeat the above process until all pending instructions are completed and the locked letter of credit status is permanently changed.

[0095] The technology mainly uses digital signature verification. The technical solution is existing, but the verification is done on multiple parties instead of just one party.

[0096] An example is as follows: When a smart contract generates a to-do, it will generate a unique ID for the to-do. For example, when the seller completes the delivery of documents, it will generate a to-do for the notification bank to pay the seller. The to-do can be represented by the following data structure:

[0097]

[0098] After the notifying bank completes the payment to the exporter, the notifying bank and the exporter digitally sign the to-do ID (111222333) respectively. The signed data is sent to the smart contract as proof of completion of the to-do. The proof of completion of the to-do can be represented by the following data structure:

[0099]

[0100] After receiving the above-mentioned proof of completed to-do, the smart contract will decode the digital signatures of each participant in the proof and verify whether the to-do ID after decoding is consistent with the to-do ID of the current letter of credit. Only if they are consistent can it be proved that the to-do has been completed, and then a new to-do can be generated or the status of the letter of credit can be updated.

[0101] Compared with the existing digital signature verification of only one party, because the to-do list often involves multiple parties, verifying only the digital signature of one party may result in unilateral fraud, so the signatures of multiple parties involved in the to-do list must be verified.

[0102] Step 5): Repeat steps 2) to 4) until the balance is zero or the time limit has expired, which is the end of the life cycle of the letter of credit.

[0103] The following will compare Figure 4 and Figure 5, the system and method of the present invention are described in detail.

[0104] like Figure 4 As shown, it is a schematic diagram of the structure of the letter of credit smart contract provided by an embodiment of the present invention, including: a letter of credit status unit 1, a signature verification module 2, a document review unit 3, a to-do management unit 4 and a life cycle self-check unit 5.

[0105] The letter of credit status unit 1 is connected to the document review unit 3, the to-do management unit 4, and the life cycle self-check unit 5; the signature verification module 2 is connected to the document review unit 3 and the to-do management unit 4; the document review unit 3 is connected to the to-do management unit 4; the to-do management unit 4 is connected to the life cycle self-check unit 5.

[0106] The letter of credit status unit 1 is used to maintain the status of the letter of credit, such as the amount, issue date, expiration date, place of receipt, importer, exporter, issuing bank and notifying bank.

[0107] Signature verification module 2 is used to verify the integrity and authenticity of the message. Messages sent to smart contracts need to be signed, and only messages containing the signature of the designated party can proceed with the subsequent corresponding transaction processing process.

[0108] Document review unit 3, used for core logic provided by the importer, describes the importer's requirements for documents. It is used to review the documents provided by the exporter. Only after the review is passed can the subsequent matters such as the change of the letter of credit status and the generation of to-do items be carried out. Examples of review points are as follows: check whether the amount in the invoice is less than or equal to the balance of the letter of credit; whether the quantity and specifications of the goods described in the invoice, packing list, etc. are consistent with the credit requirements; whether the place of receipt and delivery time in the bill of lading are consistent with the requirements of the letter of credit, etc.

[0109] The to-do management unit 4 includes two functions: generating to-do instructions according to rules and verifying the digital proof of the completed to-do instructions.

[0110] For example, after completing the verification, the smart contract generates the following payment instructions for the notifying bank to the exporter:

[0111]

[0112] The above instructions contain three elements: "To-do ID", "To-do Content" and "Participants". After the notifying bank completes the payment to the exporter in reality, it can send the following message to the smart contract as proof of completion of this to-do:

[0113]

[0114] After receiving the above message, the to-do management unit 4 only needs to check whether the signatures of all the participants of the specified to-do are included to complete the verification. The above is just a simple example, and the verification method can be flexibly adopted according to various situations in the specific embodiment of the present invention.

[0115] Lifecycle self-check unit 5, the change of the letter of credit status or the trigger of specified external conditions can activate the execution of this unit. This unit is used to check the lifecycle status of the letter of credit. If the closing conditions are met, the smart contract is frozen, and only inquiries are allowed in the future, and no changes are allowed.

[0116] The embodiment of the present invention proposes a full life cycle letter of credit settlement device based on smart contracts for automatic review and verification of documents, and proposes a version of the letter of credit described in a program language, that is, the letter of credit terms are described by program language coding to realize the programming and intelligence of the letter of credit. The program is deployed to the blockchain as a smart contract. The subsequent transaction process only needs to input structured data into the smart contract, and the smart contract automatically completes the review of relevant terms and the automatic change of the letter of credit status based on these data. Automatic review and settlement of letters of credit without human participation is realized.

[0117] like Figure 5 As shown, the whole life cycle transaction processing method of the letter of credit smart contract provided by the embodiment of the present invention has the following steps:

[0118] Step S401: Initialization of blockchain and smart contract system;

[0119] Step S402: The importer prepares a letter of credit. In addition to the version described in natural language, it is also necessary to build a smart contract version described in programming language;

[0120] Step S403: The importer submits the letter of credit to the issuing bank, the notifying bank and the exporter for review to check whether the terms and logic of the smart contract version of the letter of credit and the natural language version of the letter of credit are consistent, and whether there are any defects in the program, etc.;

[0121] Step S404: Submit the approved letter of credit smart contract, which contains the joint signatures of the importer, issuing bank, notifying bank and exporter, to the blockchain to complete the deployment of the smart contract;

[0122] Step S405: the letter of credit smart contract starts to start and waits for receiving external messages;

[0123] Step S406: The exporter completes the document preparation according to the requirements of the letter of credit and submits the document to the notifying bank;

[0124] Step S407: The notifying bank verifies the authenticity of the document. After verification, it creates a digital document and submits it to the smart contract for review.

[0125] Step S408: After receiving the digital document, the smart contract first verifies whether the digital document has the signature of the notifying bank. If so, it continues with the subsequent specific document review procedures. If the smart contract fails to review the document, it returns to step S406 and the exporter needs to resubmit the document;

[0126] Step S409: If the smart contract is approved, part of the smart contract status will be locked, such as locking part of the funding amount. A to-do item for the notifying bank to pay the exporter is generated. Both parties complete this to-do item and send a completion certificate to the smart contract.

[0127] Step S410: After the smart contract verifies that the pending tasks of step S409 are completed, a new pending task of the notifying bank to send documents to the issuing bank is generated. The notifying bank sends the documents to the issuing bank, and the issuing bank pays the notifying bank, and then sends the completion certificate of this pending task to the smart contract;

[0128] Step S411: After the smart contract verifies that the pending tasks of step S410 are completed, a payment redemption document pending task is generated for the importer to pay the issuing bank. The importer pays the issuing bank and redeems the property right document. After completion, the completion certificate of this pending task is sent to the smart contract;

[0129] Step S412: After the smart contract verifies that all pending tasks are completed, the smart contract releases and updates the locked letter of credit status, such as subtracting the amount incurred from the balance of the letter of credit;

[0130] Step S413: Each time the status of the letter of credit changes or a specified external condition is met, such as a change in the balance of the letter of credit or the expiration date of the letter of credit, a check on the life cycle of the letter of credit can be triggered. If the letter of credit is valid after the check, the process returns to step S406 and the exporter can continue to submit new documents.

[0131] Step S414: If the letter of credit has reached the closed-file condition, the status of all letters of credit will be frozen, and only viewing is allowed, and modification is not allowed.

[0132] The automatic audit and verification of documents based on smart contracts proposed in the present invention can realize self-maintenance of the status compared to the traditional letter of credit described in natural language, and the programming of clauses can realize automatic audit and verification without human participation. It can effectively improve the automation level of international business, reduce the risk of manual audit errors, reduce costs and improve processing efficiency. Blockchain is also safe, transparent and traceable. Completing international business through blockchain can also reduce the legal risks faced by the business.

[0133] like Figure 6 As shown, the present invention also provides a blockchain-based letter of credit verification data processing device, which includes:

[0134] Receiving module 601, used to receive the letter of credit verification request data of the user;

[0135] The review module 602 is used to verify the letter of credit review request data according to the pre-deployed letter of credit smart contract to generate letter of credit verification transaction data;

[0136] The status management module 603 is used to update the letter of credit status data according to the letter of credit verification transaction data.

[0137] In the embodiment of the present invention, the letter of credit verification request data includes: digital signature information and document data of the current transaction;

[0138] The letter of credit status data includes: preset letter of credit status information and preset letter of credit life cycle data; the letter of credit status information includes: letter of credit amount, opening date, expiration date, place of receipt, importer, exporter, issuing bank and notifying bank;

[0139] The document data includes: bills of lading, packing lists, commercial invoices, insurance policies, contracts, bills of exchange, customer authorization letters, customs declarations, health certificates and certificates of origin related to international trade.

[0140] In the embodiment of the present invention, the receiving module is further used to receive the letter of credit transaction description information and the preset letter of credit status information input by the user;

[0141] like Figure 7 As shown, the device also includes:

[0142] The blockchain contract deployment module 604 is used to perform structured data processing on the letter of credit transaction description information and the preset letter of credit status information to deploy the letter of credit smart contract.

[0143] In the embodiment of the present invention, Figure 8 As shown, the device also includes:

[0144] The signature verification module 605 is used to perform authority verification according to the digital signature information;

[0145] After confirming that the authority verification has passed, the review module performs a letter of credit verification transaction based on the letter of credit status data of the current transaction and the submitted document data to generate letter of credit verification transaction data.

[0146] In the embodiment of the present invention, Fig. 9 As shown, the device also includes:

[0147] The agent management module 606 is used to determine the authority verification by generating the letter of credit agent items and receiving the letter of credit agent item confirmation information completed by the current letter of credit transaction user;

[0148] After receiving the confirmation information of the letter of credit agency matters completed by the current letter of credit transaction user, the review module updates the letter of credit status information according to the letter of credit verification transaction data based on the pre-deployed letter of credit smart contract.

[0149] It should be noted that the blockchain-based letter of credit verification data processing method and device disclosed herein can be used for processing letter of credit verification data in the financial field, and can also be used for processing letter of credit verification data in any field other than the financial field. The application field of the blockchain-based letter of credit verification data processing method and device disclosed herein is not limited.

[0150] This embodiment also provides an electronic device, which may be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the electronic device may refer to the embodiments of the aforementioned method and device, the contents of which are incorporated herein, and the repeated parts are not repeated.

[0151] Fig.10 FIG. 6 is a schematic block diagram of a system structure of an electronic device 600 according to an embodiment of the present invention. Fig.10 As shown, the electronic device 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. It should be noted that this figure is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0152] In one embodiment, the blockchain-based letter of credit verification data processing function can be integrated into the central processor 100. The central processor 100 can be configured to perform the following control:

[0153] Receive the user's letter of credit verification request data;

[0154] Verifying the letter of credit verification request data according to the pre-deployed letter of credit smart contract to generate letter of credit verification transaction data;

[0155] Update the letter of credit status data according to the letter of credit verification transaction data.

[0156] In another embodiment, the blockchain-based letter of credit verification data processing device can be configured separately from the central processor 100. For example, the blockchain-based letter of credit verification data processing device can be configured as a chip connected to the central processor 100, and the blockchain-based letter of credit verification data processing function can be implemented through the control of the central processor.

[0157] like Fig.10As shown, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processing unit 130, a display 160, and a power supply 170. It is worth noting that the electronic device 600 does not necessarily have to include Fig.10 In addition, the electronic device 600 may also include Fig.10 For components not shown, reference may be made to the prior art.

[0158] like Fig.10 As shown, the central processor 100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The central processor 100 receives inputs and controls the operations of various components of the electronic device 600.

[0159] The memory 140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 100 may execute the program stored in the memory 140 to implement information storage or processing.

[0160] The input unit 120 provides input to the CPU 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0161] The memory 140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 140 may also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application / function storage unit 142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 600 through the central processor 100.

[0162] The memory 140 may also include a data storage unit 143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 144 of the memory 140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0163] The communication module 110 is a transmitter / receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter / receiver) 110 is coupled to the central processor 100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0164] Based on different communication technologies, multiple communication modules 110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module. The communication module (transmitter / receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide an audio output via the speaker 131 and receive an audio input from the microphone 132, thereby realizing a common telecommunication function. The audio processor 130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 130 is also coupled to the central processor 100, so that the sound can be recorded on the local machine through the microphone 132, and the sound stored on the local machine can be played through the speaker 131.

[0165] An embodiment of the present invention also provides a computer-readable program, wherein when the program is executed in an electronic device, the program enables the computer to execute the blockchain-based letter of credit verification data processing method as described in the above embodiment in the electronic device.

[0166] An embodiment of the present invention also provides a storage medium storing a computer-readable program, wherein the computer-readable program enables a computer to execute the blockchain-based letter of credit verification data processing described in the above embodiment in an electronic device.

[0167] Compared with the traditional letter of credit described in natural language, the letter of credit based on smart contract can realize self-maintenance of status, and the programming of clauses can realize automatic review and verification without human participation. It can effectively improve the automation level of international business, reduce the risk of manual review errors, reduce costs and improve processing efficiency. Blockchain is also safe, transparent and traceable. Completing international business through blockchain can also reduce the legal risks faced by the business.

[0168] The preferred embodiments of the present invention have been described above with reference to the accompanying drawings. Many features and advantages of these embodiments are clear from this detailed description, and therefore the appended claims are intended to cover all such features and advantages of these embodiments that fall within their true spirit and scope. In addition, since many modifications and changes are readily apparent to those skilled in the art, the embodiments of the present invention are not intended to be limited to the precise structure and operation illustrated and described, but all suitable modifications and equivalents that fall within their scope may be included.

[0169] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0170] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0171] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0172] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0173] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. A method for processing letter of credit verification data based on blockchain, characterized in that: The method includes: Receive the user's letter of credit verification request data; Verifying the letter of credit verification request data according to the pre-deployed letter of credit smart contract to generate letter of credit verification transaction data; updating the letter of credit status data according to the letter of credit verification transaction data; After updating the letter of credit status data according to the letter of credit verification transaction data, the method further includes: checking the letter of credit life cycle data of the current transaction, and judging whether the letter of credit life cycle data of the current transaction is valid according to the preset letter of credit life cycle data; If the letter of credit is confirmed to be valid after inspection, the new letter of credit verification request data will continue to be accepted; if the letter of credit has reached the closed-file conditions after inspection, the status of all letters of credit will be frozen, and only viewing is allowed in the future, and no modification is allowed; The step of verifying the letter of credit request data according to the pre-deployed letter of credit smart contract to generate letter of credit verification transaction data includes: After receiving the digital document, the smart contract verifies whether the digital document has the signature of the notifying bank. If so, it continues with the subsequent specific document review procedures. If the smart contract fails the document review, it needs to resubmit the document. If the smart contract is approved, part of the smart contract status will be locked, including part of the funding amount. A to-do item will be generated for the notifying bank to pay the exporter. Both parties complete this to-do item and send a completion certificate to the smart contract. After the smart contract verifies that the pending tasks are completed, a new pending task of the notifying bank to send documents to the issuing bank is generated. The notifying bank sends the documents to the issuing bank, and the issuing bank pays the notifying bank, and then sends the completion certificate of this pending task to the smart contract; After the smart contract verification is completed, a payment redemption to-do is generated for the importer to pay the issuing bank. The importer pays the issuing bank and redeems the property rights document. After completion, the completion certificate of this to-do is sent to the smart contract.

2. The method for processing letter of credit verification data based on blockchain according to claim 1, characterized in that: The letter of credit verification request data includes: digital signature information and document data of the current transaction; The letter of credit status data includes: preset letter of credit status information and preset letter of credit life cycle data; the letter of credit status information includes: letter of credit amount, opening date, expiration date, place of receipt, importer, exporter, issuing bank and notifying bank; The document data includes: bills of lading, packing lists, commercial invoices, insurance policies, contracts, bills of exchange, customer authorization letters, customs declarations, health certificates and certificates of origin related to international trade.

3. The method for processing letter of credit verification data based on blockchain as claimed in claim 2, characterized in that: The method further comprises: Obtain the letter of credit transaction description information and preset letter of credit status information input by the user; The letter of credit transaction description information and the preset letter of credit status information are subjected to structured data processing to deploy the letter of credit smart contract.

4. The method for processing data of letter of credit verification based on blockchain as claimed in claim 2, characterized in that: The method further comprises: Performing authority verification according to the digital signature information; The authority verification is determined by performing a letter of credit verification transaction based on the letter of credit status data of the current transaction and the document data to generate letter of credit verification transaction data.

5. The method for processing data of letter of credit verification based on blockchain according to claim 4, characterized in that: The method further comprises: Confirm the authority verification by generating the letter of credit agent items and receiving the letter of credit agent items confirmation information completed by the current letter of credit transaction user; After receiving the confirmation information of the letter of credit agency matters completed by the current letter of credit transaction user, the letter of credit status information is updated according to the letter of credit verification transaction data according to the pre-deployed letter of credit smart contract.

6. A blockchain-based letter of credit verification data processing device, characterized in that: The device comprises: A receiving module, used for receiving the user's letter of credit verification request data; An audit module, used to verify the letter of credit audit request data according to a pre-deployed letter of credit smart contract to generate letter of credit verification transaction data; A status management module, used for updating the letter of credit status data according to the letter of credit verification transaction data; After updating the letter of credit status data according to the letter of credit verification transaction data, the method further includes: checking the letter of credit life cycle data of the current transaction, and judging whether the letter of credit life cycle data of the current transaction is valid according to the preset letter of credit life cycle data; If the letter of credit is confirmed to be valid after inspection, the new letter of credit verification request data will continue to be accepted; if the letter of credit has reached the closed-file conditions after inspection, the status of all letters of credit will be frozen, and only viewing is allowed in the future, and no modification is allowed; The audit module is specifically used for: After receiving the digital document, the smart contract verifies whether the digital document has the signature of the notifying bank. If so, it continues with the subsequent specific document review procedures. If the smart contract fails the document review, it needs to resubmit the document. If the smart contract is approved, part of the smart contract status will be locked, including part of the funding amount. A to-do item will be generated for the notifying bank to pay the exporter. Both parties complete this to-do item and send a completion certificate to the smart contract. After the smart contract verifies that the pending tasks are completed, a new pending task of the notifying bank sending documents to the issuing bank is generated. The notifying bank sends the documents to the issuing bank, and the issuing bank pays the notifying bank, and then sends the completion certificate of this pending task to the smart contract; After the smart contract verification is completed, a payment redemption to-do is generated for the importer to pay the issuing bank. The importer pays the issuing bank and redeems the property document. After completion, the completion certificate of this to-do is sent to the smart contract.

7. The blockchain-based letter of credit verification data processing device according to claim 6, characterized in that: The letter of credit verification request data includes: digital signature information and document data of the current transaction; The letter of credit status data includes: preset letter of credit status information and preset letter of credit life cycle data; the letter of credit status information includes: letter of credit amount, opening date, expiration date, place of receipt, importer, exporter, issuing bank and notifying bank; The document data includes: bills of lading, packing lists, commercial invoices, insurance policies, contracts, bills of exchange, customer authorization letters, customs declarations, health certificates and certificates of origin related to international trade.

8. The blockchain-based letter of credit verification data processing device according to claim 7, characterized in that: The receiving module is also used to receive the letter of credit transaction description information and the preset letter of credit status information input by the user; The device also includes: The blockchain contract deployment module is used to perform structured data processing on the letter of credit transaction description information and preset letter of credit status information to deploy the letter of credit smart contract.

9. The blockchain-based letter of credit verification data processing device according to claim 7, characterized in that: The device also includes: A signature verification module, used to perform authority verification based on the digital signature information; After confirming that the authority verification is passed, the review module performs a letter of credit verification transaction based on the letter of credit status data of the current transaction and the document data to generate letter of credit verification transaction data.

10. The blockchain-based letter of credit verification data processing device according to claim 9, characterized in that: The device also includes: The agent management module is used to determine the authority verification by generating letter of credit agent items and receiving the confirmation information of the letter of credit agent items completed by the current letter of credit transaction user; After receiving the confirmation information of the letter of credit agency matters completed by the current letter of credit transaction user, the review module updates the letter of credit status information according to the letter of credit verification transaction data based on the pre-deployed letter of credit smart contract.

11. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 5 is implemented.

12. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 5.

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