A transaction processing method, a bank letter of credit system, and an e-commerce system

Abstract

The present invention provides a transaction processing method, a bank letter of credit system and an e-commerce system, including: The bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information initiated by the buyer user through the e-commerce system, and uploads the digital letter of credit to the blockchain. When receiving the confirmed receipt instruction input by the buyer user through the e-commerce system and the time of receiving the confirmed receipt instruction, obtain the smart contract corresponding to the order information from the blockchain, and execute the time of receiving the confirmed receipt instruction and the smart contract to perform the payment settlement operation. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of the letter of credit.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular, to a transaction processing method, a bank letter of credit system, and an e-commerce system. Background Art

[0002] With the rapid development of digital trade, the method of using an e-commerce system for online consumption in the B2B mode is becoming more and more widespread. At present, the e-commerce system often conducts consumption in the way that the buyer user pays after receiving the goods and the seller user pays before delivering the goods. In this case, it is urgent to introduce a bank letter of credit so that the e-commerce system can conduct consumption in the way that both the buyer user and the seller user pay after receiving the goods. Since the existing bank letter of credit requires customers to submit corresponding letter of credit application materials offline at the network points and requires the bank to conduct manual review multiple times, the time cycle of manual review is long and the efficiency of opening a letter of credit is low. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a transaction processing method, a bank letter of credit system, and an e-commerce system to solve the problems of long time cycle of manual review and low efficiency of quality document transfer in the prior art.

[0004] To achieve the above object, embodiments of the present invention provide the following technical solutions:

[0005] A first aspect of an embodiment of the present invention shows a transaction processing method applied to a bank letter of credit system. The method includes:

[0006] Obtain the order information and letter of credit application information uploaded by the buyer user based on the e-commerce system. The order information includes transaction information and settlement terms. The transaction information includes the bank accounts of both parties to the transaction, and the settlement terms include the payment amount;

[0007] Based on the settlement terms, transfer an amount consistent with the payment amount in the settlement terms from the bank account of the buyer user to the funds account;

[0008] Based on the letter of credit application information and the order information, establish a digital letter of credit corresponding to the order information and upload the digital letter of credit to the blockchain smart contract for storage;

[0009] When receiving the confirmation of receipt instruction sent by the e-commerce system from the buyer user and the time of receiving the confirmation of receipt instruction, obtain the smart contract corresponding to the order information from the blockchain. The smart contract includes the settlement method and payment conditions;

[0010] When it is determined that the settlement method is unconditional payment, based on the time when the confirmed receipt instruction is received and the smart contract, the amount corresponding to the payment amount in the funds account is stored in the seller user's bank account.

[0011] Optionally, establishing a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information includes:

[0012] Judging whether the buyer user applies for a digital letter of credit for the first time according to the transaction information;

[0013] If not, judging whether the letter of credit application information meets the pre-set letter of credit opening rules;

[0014] If it meets the requirements, a digital letter of credit corresponding to the order information is established based on the identity information of the two parties to the transaction, the letter of credit application information and the payment amount in the transaction information, and the letter of credit application information includes the settlement method and settlement information;

[0015] If so, obtain the letter of credit opening data stored in the database corresponding to the buyer user name;

[0016] Based on the letter of credit opening data, the seller user name, the seller user's bank account and the payment amount, establish a digital letter of credit corresponding to the order information.

[0017] Optionally, before obtaining the smart contract corresponding to the order information from the blockchain, it further includes:

[0018] If the document information corresponding to the order information sent by the seller user according to the e-commerce system is received, audit the document information.

[0019] Optionally, when it is determined that the settlement method is unconditional payment, based on the time when the confirmed receipt instruction is received and the digital letter of credit, storing the amount corresponding to the payment amount in the funds account in the seller user's bank account includes:

[0020] Judge whether the settlement method is unconditional payment;

[0021] When it is determined that the settlement method is unconditional payment, obtain the time of the current bank letter of credit system;

[0022] Judge whether the difference between the time when the confirmed receipt instruction is received and the time of the bank letter of credit system reaches a preset period, and the preset period is stored in the digital letter of credit;

[0023] If it reaches, store the amount corresponding to the payment amount in the funds account in the seller user's bank account.

[0024] Optionally, it further includes:

[0025] When determining that the settlement method is a conditional payment method, according to the payment conditions, store the amount corresponding to the payment amount in the money account into the seller user's bank account.

[0026] A second aspect of the embodiments of the present invention shows a transaction processing method, which is applied to an e-commerce system. The method includes:

[0027] Obtain the order information and letter of credit application information initiated by the buyer user, and send the order information and letter of credit application information to the blockchain. The order information includes transaction party information and settlement terms;

[0028] Check whether there is a digital letter of credit corresponding to the order information on the blockchain. The digital letter of credit is generated by the bank letter of credit system based on the letter of credit application information and the order information;

[0029] If it exists, display the order information and the digital letter of credit to the seller user, so that the seller user can send the goods in the order information to the buyer user through the logistics system;

[0030] Obtain the shipping information input by the seller user. The shipping information is generated based on the order information and the digital letter of credit corresponding to the order information;

[0031] Receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system transfers the payment amount to the seller user's bank account.

[0032] A third aspect of the embodiments of the present invention shows a bank letter of credit system. The system includes:

[0033] A first acquisition unit, configured to acquire the order information and letter of credit application information uploaded by the buyer user on the e-commerce system. The order information includes transaction information and settlement terms. The transaction information includes the bank accounts of both parties to the transaction, and the settlement terms include the payment amount;

[0034] A transfer and deposit unit, configured to transfer and deposit the amount in the buyer user's bank account that is consistent with the payment amount in the settlement terms to the money account based on the settlement terms;

[0035] A digital letter of credit establishment unit, configured to establish a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information, and upload the digital letter of credit to the blockchain for storage in the blockchain smart contract;

[0036] A second acquisition unit, configured to obtain a smart contract corresponding to the order information from the blockchain when receiving a confirmation of receipt instruction sent by the e-commerce system and the time of receiving the confirmation of receipt instruction, where the smart contract includes a settlement method and payment conditions;

[0037] A settlement unit, configured to, when determining that the settlement method is unconditional payment, based on the time of receiving the confirmation of receipt instruction and the smart contract, store the amount corresponding to the payment amount in the money account into the seller user's bank account.

[0038] Optionally, the digital letter of credit establishment unit is specifically configured to: determine, according to the transaction information, whether the buyer user applies for a digital letter of credit for the first time; if not, determine whether the letter of credit application information meets a preset letter of credit opening rule; if it meets, establish a digital letter of credit corresponding to the order information based on the identity information of the two parties to the transaction, the letter of credit application information, and the payment amount in the transaction information, where the letter of credit application information includes a settlement method and settlement information; if so, obtain the letter of credit opening data stored in the database corresponding to the name of the buyer user; and establish a digital letter of credit corresponding to the order information based on the letter of credit opening data, the name of the seller user, the seller user's bank account, and the payment amount.

[0039] Optionally, the settlement unit is specifically configured to: determine whether the settlement method is unconditional payment; when determining that the settlement method is unconditional payment, obtain the time of the current bank letter of credit system; determine whether the difference between the time of receiving the confirmation of receipt instruction and the time of the bank letter of credit system reaches a preset period, where the preset period is stored in the digital letter of credit; if it reaches, store the amount corresponding to the payment amount in the money account into the seller user's bank account.

[0040] A fourth aspect of the embodiments of the present invention shows an e-commerce system. A third acquisition unit is configured to acquire order information and letter of credit application information initiated by a buyer user, and send the order information and the letter of credit application information to the blockchain, where the order information includes information of the two parties to the transaction and settlement terms;

[0041] A search unit is configured to search whether there is a digital letter of credit corresponding to the order information on the blockchain, where the digital letter of credit is generated by a bank letter of credit system based on the letter of credit application information and the order information;

[0042] A display unit is configured to, if it exists, display the order information and the digital letter of credit to the seller user, so that the seller user can send the goods in the order information to the buyer user through a logistics system;

[0043] A fourth acquisition unit, configured to acquire the delivery information input by the seller user, where the delivery information is generated based on the order information and the digital letter of credit corresponding to the order information;

[0044] A sending unit, configured to receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system transfers the payment amount to the bank account of the seller user.

[0045] Based on the above-mentioned transaction processing method, bank letter of credit system and e-commerce system provided by the embodiments of the present invention, it includes: acquiring the order information and letter of credit application information uploaded by the buyer user on the e-commerce system, where the order information includes transaction information and settlement terms, the transaction information includes the bank accounts of both parties to the transaction, and the settlement terms include the payment amount; based on the settlement terms, transferring the amount consistent with the payment amount in the settlement terms from the bank account of the buyer user to the funds account; based on the letter of credit application information and the order information, establishing a digital letter of credit corresponding to the order information, and uploading the digital letter of credit to the blockchain to be stored in the blockchain smart contract; when receiving the confirmed receipt instruction of the buyer user sent by the e-commerce system and the time when the confirmed receipt instruction is received, obtaining the smart contract corresponding to the order information from the blockchain, where the smart contract includes the settlement method and payment conditions; when determining that the settlement method is unconditional payment, based on the time when the confirmed receipt instruction is received and the smart contract, storing the amount corresponding to the payment amount in the funds account to the bank account of the seller user. In the embodiments of the present invention, the bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information initiated by the buyer user through the e-commerce system, and uploads the digital letter of credit to the blockchain. When receiving the confirmed receipt instruction input by the buyer user through the e-commerce system and the time when the confirmed receipt instruction is received, obtaining the smart contract corresponding to the order information from the blockchain, and executing the time when the confirmed receipt instruction is received and the smart contract to perform the payment settlement operation. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of the letter of credit. Description of the Drawings

[0046] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are only the embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained according to the provided drawings without creative efforts.

[0047] Figure 1The application structure diagram of the bank letter of credit system, e-commerce system, and logistics system provided by the embodiments of the present invention;

[0048] Figure 2 The flow schematic diagram of a transaction processing method provided by the embodiments of the present invention;

[0049] Figure 3 The flow schematic diagram of another transaction processing method provided by the embodiments of the present invention;

[0050] Figure 4 The structural schematic diagram of a bank letter of credit system provided by the embodiments of the present invention;

[0051] Figure 5 The structural schematic diagram of another bank letter of credit system provided by the embodiments of the present invention;

[0052] Figure 6 The structural schematic diagram of an e-commerce system provided by the embodiments of the present invention. Detailed implementation manners

[0053] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0054] In this application, the term "including", "comprising" or any other variant thereof is intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements not only includes those elements but also includes other elements not expressly listed, or further includes elements inherent to such process, method, article or device. Without further limitation, the element defined by the statement "including one..." does not exclude the existence of additional identical elements in the process, method, article or device including the said element.

[0055] For the convenience of understanding, the terms appearing in the embodiments of the present invention are explained as follows:

[0056] Service: It refers to a mechanism that provides specific functions through predefined interfaces.

[0057] Consensus: The unified decision formed by different participating parties through a certain mechanism, usually used to indicate the consistency of the data on the chain.

[0058] Consortium blockchain: A blockchain that can only be participated in with node authorization, and its consensus mechanism is jointly decided by designated nodes.

[0059] Cross-chain: It refers to the operation in which the participants of a business participate in the same blockchain-related business within different blockchain systems.

[0060] Smart contract: The participants on the blockchain agree on a certain contract. That is to say, it is a computer protocol on the blockchain that aims to spread, verify or execute contracts in an informatized manner.

[0061] The endorsement and consensus of a transaction refer to the two parties participating in the transaction to conduct transaction endorsement (the status of non-participating nodes will not affect the transaction itself). While ensuring the security and reliability of the transaction, the transaction is protected by the private keys of the two parties to the transaction and is only visible to the two parties to the transaction, ensuring the privacy of the transaction. The differential multi-endorsement strategy set at the smart contract level ensures the authenticity and validity of transactions initiated from any consortium node.

[0062] In the embodiment of the present invention, the bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and order information initiated by the buyer user through the e-commerce system, and uploads the digital letter of credit to the blockchain. When receiving the confirmation of receipt instruction input by the buyer user through the e-commerce system and the time of receiving the confirmation of receipt instruction, obtain the smart contract corresponding to the order information from the blockchain, and execute the time of receiving the confirmation of receipt instruction and the smart contract to perform payment and settlement operations. There is no need for manual opening of letters of credit, and letters of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of letters of credit.

[0063] See Figure 1 , which is the application structure diagram of the bank letter of credit system, e-commerce system and logistics system shown in the embodiment of the present invention.

[0064] The bank letter of credit system 100 is respectively connected to the e-commerce system 200 and the logistics system 300.

[0065] The e-commerce system 200 is connected to the logistics system 300.

[0066] In a specific implementation, the e-commerce system 200 and the logistics system 300 communicate and connect with the bank letter of credit system 100 by means of proxy joining, physical joining or cross-chain mode joining the blockchain.

[0067] Optionally, the e-commerce system 200 and the logistics system 300 are joined to the blockchain where the bank letter of credit system 100 is located in the mode of physical node joining, so as to participate in the endorsement and consensus of each relevant transaction on the blockchain with the bank letter of credit system 100.

[0068] During the process of transaction processing, the transaction information generated by the core e-commerce system 200 and the transportation information generated by the logistics system 300 can be written to the blockchain, ensuring that the data related to all business processes is visible, traceable, and tamper-proof by the characteristics of the blockchain. At the same time, the e-commerce system 200 and the logistics system 300 can also obtain the latest progress of relevant business processes such as digital letter of credit opening, notification, arrival of documents, and payment in real time.

[0069] It should be noted that physical node joining is the connection method used by large e-commerce systems 200 and logistics systems 300 with good docking capabilities.

[0070] Optionally, the e-commerce system 200, the logistics system 300, and the bank letter of credit system 100 can be interconnected in a cross-chain mode with mutual nodes, realizing the interconnection of the dual-system ecosystems and jointly participating in the endorsement consensus of transactions.

[0071] Based on the above communication method, the bank letter of credit system 100 can confirm the trade background information of the buyer and seller through the blockchain before opening the letter of credit, and can confirm the logistics progress status of the goods delivery of the buyer and seller.

[0072] It should be noted that cross-chain mode joining is the connection method used by some e-commerce systems 200 and logistics systems 300 that have already deployed blockchain infrastructure.

[0073] Optionally, the e-commerce system 200 and the logistics system 300 join the blockchain of the bank letter of credit system 100 through the SaaS model. That is, they access the blockchain of the bank letter of credit system 100 through the API interface, and thus participate in the endorsement and consensus of each relevant transaction on the blockchain with the bank letter of credit system 100.

[0074] It should be noted that agency joining is the connection method used by some e-commerce systems 200 and logistics systems 300 with relatively weak docking capabilities.

[0075] The process of specifically implementing transaction processing based on the above-shown application architecture includes:

[0076] The e-commerce system 200 obtains the order information and letter of credit application information initiated by the buyer user, and sends the order information and letter of credit application information to the blockchain.

[0077] Among them, the order information includes the information of both trading parties and settlement terms.

[0078] It should be noted that the e-commerce system 200 and the bank letter of credit system 100 sign a digital letter of credit service agreement.

[0079] The buyer user has its own account in the e-commerce system 200 and is a customer of the bank.

[0080] The bank letter of credit system 100 obtains the order information and letter of credit application information uploaded by the buyer user on the e-commerce system 200. Based on the settlement terms, it transfers an amount equal to the payment amount in the settlement terms from the buyer user's bank account to the funds account; based on the letter of credit application information and the order information, it creates a digital letter of credit corresponding to the order information and uploads the digital letter of credit to be stored in the smart contract of the blockchain.

[0081] Among them, the transaction information includes the bank account numbers of both trading parties, and the settlement terms include the payment amount.

[0082] The e-commerce system 200 checks whether there is a digital letter of credit corresponding to the order information on the blockchain. If so, it displays the order information and the digital letter of credit to the seller user, so that the seller user can generate shipping information and document information based on the order information and the digital letter of credit corresponding to the order information, and send the goods in the order information to the buyer user through the logistics system 300.

[0083] The logistics system 300 transports the goods to the address provided in the order information, and sends the shipping information and document information to the blockchain, so that the blockchain can track the goods in the written shipping information; the document information is saved through consensus.

[0084] Optionally, the logistics system 300 is also used to generate corresponding Internet of Things (IoT) information and logistics status, that is, logistics transfer information, based on the tracking of the goods information, and write it into the blockchain for the trading parties corresponding to the order information of the goods to view.

[0085] After the e-commerce system 200 receives the confirmed receipt instruction input by the buyer user, it sends the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system 100.

[0086] Optionally, when the e-commerce system 200 receives the goods / service dissatisfaction information input by the buyer user, it triggers the objection clause preset in the blockchain smart contract, and sends the triggered preset objection clause and the order information to the bank letter of credit system 100, so that the bank letter of credit system 100 can process it to determine whether it can refuse to store the amount corresponding to the payment amount in the funds account to the seller user's bank account.

[0087] When the bank letter of credit system 100 receives the confirmed receipt instruction of the buyer user sent by the e-commerce system and the time when the confirmed receipt instruction is received, it obtains the smart contract corresponding to the order information from the blockchain. The smart contract includes the settlement method and payment conditions; when it is determined that the settlement method is unconditional payment, based on the time when the confirmed receipt instruction is received and the smart contract, it stores the amount corresponding to the payment amount in the funds account to the seller user's bank account.

[0088] In the embodiment of the present invention, the bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information initiated by the buyer user through the e-commerce system, and uploads the digital letter of credit to the blockchain. The e-commerce system displays the order information and the digital letter of credit to the seller user, so that the seller user can generate the shipping information and the document information based on the order information and the digital letter of credit corresponding to the order information, and send the goods in the order information to the buyer user through the logistics system. When the bank letter of credit system receives the confirmation of receipt instruction input by the buyer user through the e-commerce system and the time of receiving the confirmation of receipt instruction, it obtains the smart contract corresponding to the order information from the blockchain, and executes the time of receiving the confirmation of receipt instruction and the smart contract to perform the payment and settlement operation. There is no need for manual opening of letters of credit, and letters of credit can be quickly opened directly through the e-commerce system, thus improving the opening speed of letters of credit.

[0089] Based on the bank letter of credit system shown in the above embodiment of the present invention, the present invention also correspondingly discloses a transaction processing method, which is applicable to the above disclosed bank letter of credit system, as Figure 2 shown, is a schematic flow chart of a transaction processing method shown in an embodiment of the present invention.

[0090] Step S201: Obtain the order information and the letter of credit application information uploaded by the buyer user based on the e-commerce system to the blockchain.

[0091] In step S201, the order information includes transaction information and settlement terms; the transaction information includes the bank accounts of both parties to the transaction and the customer account information, and the settlement terms include the payment amount.

[0092] The customer account information refers to the buyer user ID and the seller user ID.

[0093] Optionally, the buyer user uploads the order information and the letter of credit application information to the blockchain through the e-commerce system.

[0094] In the process of specifically implementing step S201, obtain the order information uploaded by the e-commerce system and the letter of credit application information corresponding to the order information from the blockchain.

[0095] It should be noted that the transaction information also includes the names of both parties to the transaction and the buyer user ID and the seller user ID.

[0096] Step S202: Transfer the amount consistent with the payment amount in the settlement terms from the bank account of the buyer user to the funds account based on the settlement terms.

[0097] In the process of specifically implementing step S202, the amount in the buyer user's bank account that is consistent with the payment amount is transferred to the funds account.

[0098] It should be noted that the funds account is a bank account.

[0099] Step S203: Based on the letter of credit application information and the order information, establish a digital letter of credit corresponding to the order information, and upload the digital letter of credit to the blockchain for storage in the blockchain smart contract.

[0100] In the process of specifically implementing step S203, use the names of the trading parties, the transaction ID number, the bank card number, the letter of credit application information, and the payment amount to open a digital letter of credit with the payment amount.

[0101] It should be noted that this digital letter of credit refers to the bank issuing it to the beneficiary, that is, the seller user, based on the application of the buyer user.

[0102] Step S204: When receiving the buyer user's confirmation of receipt instruction sent by the e-commerce system and the time of receiving the confirmation of receipt instruction, obtain the smart contract corresponding to the order information from the blockchain.

[0103] In the process of specifically implementing step S204, receive the buyer user's confirmation of receipt instruction sent by the e-commerce system and the time of receiving the confirmation of receipt instruction, determine that the buyer has received the goods consistent with the order information for order settlement. At this time, obtain information such as the digital letter of credit, the preset period, the payment conditions, and the pre-set letter of credit opening rules corresponding to the order information from the smart contract of the blockchain.

[0104] Step S205: Determine whether the settlement method is unconditional payment. If so, execute step S206. If not, and it is determined that the settlement method is a conditional payment method, execute step S207.

[0105] In the process of specifically implementing step S205, determine the settlement method of this order. When it is determined that the settlement method of this order is unconditional payment, execute step S206. When it is determined that the settlement method of this order is conditional payment, execute step S207.

[0106] Step S206: Based on the time of receiving the confirmation of receipt instruction and the smart contract, store the amount corresponding to the payment amount in the funds account into the seller user's bank account.

[0107] In the process of specifically implementing step S206, through the time of receiving the receipt instruction and the smart contract, perform the payment operation to transfer the amount corresponding to the payment amount in the funds account to the seller user's bank account.

[0108] Step S207: Store the amount corresponding to the payment amount in the payment account into the seller user's bank account according to the payment conditions.

[0109] In the process of specifically implementing step S207, according to the payment conditions in the smart contract, transfer the amount corresponding to the payment amount in the payment account to the seller user's bank account.

[0110] Optionally, when receiving the stop settlement instruction sent by the e-commerce system, stop storing the amount corresponding to the payment amount in the payment account into the seller user's bank account.

[0111] In the embodiment of the present invention, the bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and order information initiated by the buyer user through the e-commerce system, and chains the digital letter of credit. When receiving the confirmed receipt instruction input by the buyer user through the e-commerce system and the time of receiving the confirmed receipt instruction, obtain the smart contract corresponding to the order information from the blockchain, and execute the time of receiving the confirmed receipt instruction and the smart contract to perform the payment settlement operation. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of the letter of credit.

[0112] Based on the transaction processing method shown in the above embodiment of the present invention, before obtaining the smart contract corresponding to the order information from the blockchain, if receiving the document information corresponding to the order information sent by the seller user according to the e-commerce system, audit the document information.

[0113] In specific implementation, audit whether the document information corresponding to the order information sent by the seller user according to the e-commerce system is legal, and chain the audited document information for the buyer user to view based on the e-commerce system.

[0114] Compared with the transaction processing method shown in the above embodiment of the present invention, the bank credit investigation audits whether the document information corresponding to the order information sent by the seller user according to the e-commerce system is legal, and chains the audited document information for the buyer user to view based on the e-commerce system. It can perform transaction processing on the blockchain to solve the problem of distrust between the buyer and the seller caused by direct transactions in the prior art.

[0115] Based on the transaction processing method shown in the above embodiment of the present invention, in the process of performing S203 to establish a digital letter of credit corresponding to the order information based on the letter of credit application information and order information, the following steps are included:

[0116] Step S11: According to the transaction information, determine whether the buyer user applies for a digital letter of credit for the first time. If not, execute steps S12 to S13. If so, execute steps S14 to S15.

[0117] In the process of specifically implementing step S11, based on the transaction information, it is determined whether there is a digital letter of credit corresponding to the buyer user's bank account. If not, it indicates that the buyer user is applying for a digital letter of credit for the first time, and steps S12 to S13 are executed. If so, it indicates that the buyer user is not applying for a digital letter of credit for the first time, and steps S14 to S15 are executed.

[0118] Step S12: Determine whether the letter of credit application information meets the pre-set letter of credit opening rules. If it meets, step S13 is executed. If it does not meet, the application for opening a letter of credit cannot be made.

[0119] In the process of specifically implementing step S12, it is determined whether the letter of credit application form in the letter of credit application information meets the pre-set letter of credit opening rules. If it meets, step S13 is executed. If it does not meet, the application for opening a letter of credit cannot be made.

[0120] It should be noted that the pre-set letter of credit opening rules are pre-set by the bank according to the actual situation and stored in the smart contract of the blockchain.

[0121] Step S13: Establish a digital letter of credit corresponding to the order information based on the identity information of both parties to the transaction, the letter of credit application information, and the payment amount in the transaction information.

[0122] In step S13, the letter of credit application information includes the settlement method and settlement information.

[0123] In the process of specifically implementing step S13, use the names of both parties to the transaction, the transaction ID number, the bank card number, the letter of credit application information, and the payment amount to open a digital letter of credit with the payment amount.

[0124] It should be noted that this digital letter of credit refers to the bank's application to the beneficiary, that is, the seller user, based on the buyer user's application.

[0125] Step S14: Obtain the letter of credit opening data stored in the database corresponding to the buyer user's name.

[0126] In the process of specifically implementing step S14, traverse all the letter of credit opening data in the database, determine the letter of credit opening data corresponding to the buyer user by searching the database with any one of the identity information such as the buyer user's name or the buyer user's bank card number, that is, the letter of credit opening record.

[0127] It should be noted that the letter of credit opening data includes information such as the buyer's name, transaction ID number, bank card number, and digital letter of credit opening record.

[0128] Step S15: Based on the letter of credit opening data, the seller's user name, the seller's user bank account number, and the payment amount, establish a digital letter of credit corresponding to the order information.

[0129] In the process of specifically implementing step S15, according to the buyer's name, transaction ID number, bank card number, and digital letter of credit opening record in the letter of credit opening data, as well as the seller's user name, the seller's user bank account number, and the payment amount, open a digital letter of credit with the payment amount.

[0130] In the embodiment of the present invention, when it is determined that the buyer user applies for a digital letter of credit for the first time, determine whether the letter of credit application information meets the pre-set letter of credit opening rules. If it meets, based on the identity information of both parties to the transaction, the letter of credit application information, and the payment amount in the transaction information, establish a digital letter of credit corresponding to the order information. When it is determined that the buyer user is not applying for a digital letter of credit for the first time, obtain the letter of credit opening data stored in the database corresponding to the buyer's user name, and based on the letter of credit opening data, the seller's user name, the seller's user bank account number, and the payment amount, establish a digital letter of credit corresponding to the order information. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thus improving the letter of credit opening speed.

[0131] Based on the transaction processing method shown in the embodiment of the present invention above, in the process of executing step S206 to store the amount corresponding to the payment amount in the money account to the seller's user bank account based on the time of receiving the confirmed receipt instruction and the digital letter of credit, the following steps are included:

[0132] Step S21: Determine whether the settlement method is unconditional payment. If it is, execute step S21. If not, execute step S207.

[0133] In the process of specifically implementing step S21, determine whether the settlement method is unconditional payment. When it is determined that the settlement method is unconditional payment, execute step S21. When it is determined that the settlement method is conditional payment, execute step S207.

[0134] Step S22: Obtain the time of the current bank letter of credit system.

[0135] In the process of specifically implementing step S22, the bank letter of credit system obtains its own current time and records it.

[0136] Step S23: Determine whether the difference between the time of receiving the confirmed receipt instruction and the time of the bank letter of credit system reaches the preset period. If it reaches, execute step S24. If it does not reach, continue to return to execute step S23.

[0137] In the process of specifically implementing step S23, calculate the difference between the time when the confirmed receipt instruction is received and the time of the bank letter of credit system, and determine whether the calculated difference is greater than a preset period. If it is greater than or equal to, execute step S24. If it is less than, continue to return to execute step S23.

[0138] It should be noted that the preset period is set in advance based on multiple experiments and stored in the smart contract on the blockchain.

[0139] Step S24: Store the amount corresponding to the payment amount in the payment account into the seller user's bank account.

[0140] In the process of specifically implementing step S24, transfer the amount corresponding to the payment amount of the order in its own payment account to the seller user's bank account.

[0141] In the embodiment of the present invention, the bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and order information initiated by the buyer user through the e-commerce system, and uploads the digital letter of credit to the blockchain. When receiving the confirmed receipt instruction input by the buyer user through the e-commerce system and the time when the confirmed receipt instruction is received, obtain the smart contract corresponding to the order information from the blockchain, and execute the time when the confirmed receipt instruction is received and the smart contract to perform the payment settlement operation. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of the letter of credit.

[0142] Based on the e-commerce system shown in the above embodiment of the present invention, the present invention also correspondingly discloses a transaction processing method, which is applicable to the above disclosed e-commerce system, as Figure 3 shown, is a schematic flowchart of a transaction processing method shown in an embodiment of the present invention.

[0143] Step S301: Obtain the order information and letter of credit application information initiated by the buyer user, and send the order information and letter of credit application information to the blockchain.

[0144] In step S301, the order information includes transaction party information and settlement terms.

[0145] In the process of specifically implementing step S301, obtain the order information and letter of credit application information initiated by the buyer user, conduct consensus on the order information and letter of credit application information, and send the order information and letter of credit application information that reach consensus to the blockchain.

[0146] Step S302: Check whether there is a digital letter of credit corresponding to the order information on the blockchain. If there is, execute step S303. If not, return to execute step S302.

[0147] In step S302, the digital letter of credit is generated by the bank letter of credit system based on the letter of credit application information and the order information.

[0148] In the process of specifically implementing step S302, all digital letters of credit on the blockchain are traversed to find the digital new letter of credit corresponding to the order information. If the digital letter of credit corresponding to the order information is found, step S303 is executed. If the digital letter of credit corresponding to the order information is not found, the detection continues and step S302 is returned for execution.

[0149] Step S303: Display the order information and the digital letter of credit to the seller user so that the seller user can send the goods in the order information to the buyer user through the logistics system.

[0150] In the process of specifically implementing step S303, the order information and the digital letter of credit are displayed to the seller user, enabling the seller user to receive the digital letter of credit corresponding to the order information through the e-commerce system and ship the goods based on the order information. That is, the goods described in the order information are sent to the buyer user through the logistics system.

[0151] Step S304: Receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system can transfer the payment amount to the bank account of the seller user.

[0152] Optionally, when the buyer user receives the goods sent by the logistics system, the buyer user can directly trigger the confirmed receipt button through the e-commerce system to generate a confirmed receipt instruction.

[0153] In the process of specifically implementing step S304, receive the confirmed receipt instruction input by the buyer user and record the time when the confirmed receipt instruction is generated. Then send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system can transfer the payment amount to the bank account of the seller user.

[0154] Optionally, after the buyer triggers the confirmed receipt button through the e-commerce system, the buyer can raise an objection to the goods within a preset period to generate a stop settlement instruction and send it to the bank letter of credit system; and the seller needs to handle the objection raised by the buyer based on the e-commerce system.

[0155] In an embodiment of the present invention, when it is determined that there is a digital letter of credit corresponding to the order information on the blockchain, the order information and the digital letter of credit are displayed to the seller user, so that the seller user can send the goods in the order information to the buyer user through the logistics system; when the buyer user receives the goods sent by the logistics system, the buyer user can directly trigger the button for determining receipt of goods through the e-commerce system to generate a receipt confirmation instruction; the receipt confirmation instruction input by the buyer user is received, and the receipt confirmation instruction and the time when the receipt confirmation instruction is received are sent to the bank letter of credit system. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thus improving the opening speed of the letter of credit.

[0156] Based on the above transaction processing method of the embodiment of the present invention, the embodiment of the present invention also correspondingly discloses a specific structure diagram of a bank letter of credit system, as Figure 4 shown, the system includes:

[0157] A first acquisition unit 401, configured to acquire the order information and letter of credit application information uploaded by the buyer user based on the e-commerce system.

[0158] Among them, the order information includes transaction information and settlement terms; the transaction information includes the bank accounts of both parties to the transaction, and the settlement terms include the payment amount.

[0159] A transfer and deposit unit 402, configured to transfer and deposit an amount consistent with the payment amount in the settlement terms from the bank account of the buyer user to the funds account based on the settlement terms.

[0160] A digital letter of credit establishment unit 403, configured to establish a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information, and upload the digital letter of credit to be stored in the blockchain smart contract.

[0161] A second acquisition unit 404, configured to, when receiving the receipt confirmation instruction of the buyer user and the time when the receipt confirmation instruction is received sent by the e-commerce system, acquire the smart contract corresponding to the order information from the blockchain.

[0162] Among them, the smart contract includes a settlement method and payment conditions.

[0163] A settlement unit 405, configured to, when it is determined that the settlement method is unconditional payment, store the amount corresponding to the payment amount in the funds account to the bank account of the seller user based on the time when the receipt confirmation instruction is received and the smart contract.

[0164] Optionally, the settlement unit 405 is further configured to, when it is determined that the settlement method is a conditional payment method, store the amount corresponding to the payment amount in the funds account to the bank account of the seller user according to the payment conditions.

[0165] Optionally, based on the bank letter of credit system shown in the embodiments of the present invention above, the settlement unit 405 is specifically configured to: determine whether the settlement method is unconditional payment; when it is determined that the settlement method is unconditional payment, obtain the time of the current bank letter of credit system; determine whether the difference between the time when the confirmed receipt instruction is received and the time of the bank letter of credit system reaches a preset period, and the preset period is stored in the digital letter of credit; if it reaches, store the amount corresponding to the payment amount in the money account into the seller user's bank account.

[0166] It should be noted that the specific principles and execution processes of each unit in the bank letter of credit system shown in the embodiments of the present invention above Figure 2 are the same as those of the transaction processing method shown in the embodiments of the present invention above. For the corresponding parts in the transaction processing method disclosed in the embodiments of the present application above, reference can be made, and details will not be elaborated here.

[0167] In the embodiments of the present invention, based on the letter of credit application information and order information initiated by the buyer user through the e-commerce system, the bank letter of credit system establishes a digital letter of credit corresponding to the order information and uploads the digital letter of credit to the blockchain. When receiving the confirmed receipt instruction and the time when the confirmed receipt instruction is received input by the buyer user through the e-commerce system, obtain the smart contract corresponding to the order information from the blockchain, and execute the time when the confirmed receipt instruction is received and the smart contract to perform the payment and settlement operation. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of the letter of credit.

[0168] Optionally, based on the bank letter of credit system shown in the embodiments of the present invention above, the digital letter of credit establishment unit 403 is specifically configured to: according to the transaction information, determine whether the buyer user applies for a digital letter of credit for the first time; if not, determine whether the letter of credit application information meets the pre-set letter of credit opening rules; if it meets, establish a digital letter of credit corresponding to the order information based on the identity information of the two parties to the transaction, the letter of credit application information, and the payment amount in the transaction information, and the letter of credit application information includes the settlement method and settlement information; if so, obtain the letter of credit opening data stored in the database corresponding to the buyer user name; based on the letter of credit opening data, the seller user name, the seller user's bank account, and the payment amount, establish a digital letter of credit corresponding to the order information.

[0169] In an embodiment of the present invention, when it is determined that the buyer user applies for a digital letter of credit for the first time, it is judged whether the letter of credit application information meets the pre-set letter of credit opening rules. If it meets, a digital letter of credit corresponding to the order information is established based on the identity information of the two parties to the transaction, the letter of credit application information and the payment amount in the transaction information. When it is determined that the buyer user is not applying for a digital letter of credit for the first time, the letter of credit opening data stored in the database corresponding to the buyer user name is obtained, and a digital letter of credit corresponding to the order information is established based on the letter of credit opening data, the seller user name, the seller user bank account number and the payment amount. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thus improving the letter of credit opening speed.

[0170] Optionally, based on the bank letter of credit system shown in the above embodiment of the present invention, combined with Figure 4 , see Figure 5 , the bank letter of credit system further includes an audit unit 406.

[0171] The audit unit 406 is used to audit the document information if it receives the document information corresponding to the order information sent by the seller user according to the e-commerce system.

[0172] Compared with the transaction processing method shown in the above embodiment of the present invention, the bank credit investigation audits whether the document information corresponding to the order information sent by the seller user according to the e-commerce system is legal, and uploads the audited document information to the chain for the buyer user to view based on the e-commerce system. Transactions can be processed on the blockchain to solve the problem of distrust between buyers and sellers caused by direct transactions in the prior art.

[0173] Based on the above transaction processing method of the embodiment of the present invention, the embodiment of the present invention also correspondingly discloses a specific structure diagram of an e-commerce system, as Figure 6 shown, the system includes:

[0174] A third acquisition unit 601 is used to acquire the order information and letter of credit application information initiated by the buyer user, and send the order information and letter of credit application information to the blockchain.

[0175] Among them, the order information includes the information of the two parties to the transaction and the settlement terms.

[0176] A search unit 602 is used to search whether there is a digital letter of credit corresponding to the order information on the blockchain.

[0177] It should be noted that the digital letter of credit is generated by the bank letter of credit system based on the letter of credit application information and the order information.

[0178] A display unit 603, which, if any, is configured to display the order information and the digital letter of credit to the seller user, so that the seller user can send the goods in the order information to the buyer user through the logistics system.

[0179] A fourth acquisition unit 604, which is configured to acquire the shipping information input by the seller user.

[0180] It should be noted that the shipping information is generated based on the order information and the digital letter of credit corresponding to the order information.

[0181] A sending unit 604, which is configured to receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system can transfer the payment amount to the bank account of the seller user.

[0182] In the implementation of the present invention, when it is determined that there is a digital letter of credit corresponding to the order information on the blockchain, the order information and the digital letter of credit are displayed to the seller user, so that the seller user can send the goods in the order information to the buyer user through the logistics system; when the buyer user receives the goods sent by the logistics system, the buyer user can directly trigger the button for confirming receipt through the e-commerce system to generate a confirmed receipt instruction; receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system. There is no need for manual opening of letters of credit, and letters of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of letters of credit.

[0183] Each embodiment in this specification is described in a progressive manner. The same or similar parts among the embodiments can be referred to each other, and the key points of each embodiment are the differences from other embodiments. In particular, for a system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. The systems and system embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. A person of ordinary skill in the art can understand and implement it without creative work.

[0184] Those skilled in the art may further realize that the units and algorithm steps of each example described in combination with the embodiments disclosed herein can be implemented by electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of each example have been generally described according to functions in the above description. Whether these functions are executed in a hardware or software manner depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods for each specific application to implement the described functions, but such implementation should not be considered as exceeding the scope of the present invention.

[0185] The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein can be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A transaction processing method, characterized in that, Applied to a bank letter of credit system, the method includes: Obtain the order information and letter of credit application information uploaded by the buyer user based on the e-commerce system. The order information includes transaction information and settlement terms. The transaction information includes the bank accounts of both parties to the transaction, and the settlement terms include the payment amount. Based on the settlement terms, transfer the amount in the buyer user's bank account that is consistent with the payment amount in the settlement terms to a funds account. Based on the letter of credit application information and the order information, establish a digital letter of credit corresponding to the order information, and upload the digital letter of credit to be stored in the blockchain smart contract. When receiving the buyer user's confirmed receipt instruction sent by the e-commerce system and the time of receiving the confirmed receipt instruction, obtain the smart contract corresponding to the order information from the blockchain. The smart contract includes the settlement method and payment conditions. When determining that the settlement method is unconditional payment, based on the time of receiving the confirmed receipt instruction and the smart contract, store the amount corresponding to the payment amount in the funds account to the seller user's bank account. The establishing a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information includes: According to the transaction information, determine whether the buyer user is applying for a digital letter of credit for the first time. If not, determine whether the letter of credit application information meets the pre-set letter of credit opening rules. If it meets, establish a digital letter of credit corresponding to the order information based on the identity information of both parties to the transaction, the letter of credit application information, and the payment amount in the transaction information. The letter of credit application information includes the settlement method and settlement information. If so, obtain the letter of credit opening data stored in the database corresponding to the buyer user's name. Based on the letter of credit opening data, the seller user's name, the seller user's bank account, and the payment amount, establish a digital letter of credit corresponding to the order information.

2. The method according to claim 1, characterized in that, Before obtaining the smart contract corresponding to the order information from the blockchain, it further includes: If receiving the document information corresponding to the order information sent by the seller user according to the e-commerce system, review the document information.

3. The method according to claim 1, characterized in that, The storing the amount corresponding to the payment amount in the funds account to the seller user's bank account based on the time of receiving the confirmed receipt instruction and the digital letter of credit when determining that the settlement method is unconditional payment includes: Determine whether the settlement method is unconditional payment. When determining that the settlement method is unconditional payment, obtain the time of the current bank letter of credit system. Determine whether the difference between the time of receiving the confirmed receipt instruction and the time of the bank letter of credit system reaches a preset period, and the preset period is stored in the digital letter of credit. If it reaches, store the amount corresponding to the payment amount in the funds account to the seller user's bank account.

4. The method according to claim 1, characterized in that, It further includes: When determining that the settlement method is a conditional payment method, store the amount corresponding to the payment amount in the funds account to the seller user's bank account according to the payment conditions.

5. A transaction processing method, characterized in that, Applied to an e-commerce system, the method includes: Obtain the order information and letter of credit application information initiated by the buyer user, and send the order information and letter of credit application information to the blockchain. The order information includes transaction party information and settlement terms; Check whether there is a digital letter of credit corresponding to the order information on the blockchain. The digital letter of credit is generated by the bank letter of credit system based on the letter of credit application information and the order information; If it exists, display the order information and the digital letter of credit to the seller user, so that the seller user can send the goods in the order information to the buyer user through the logistics system; Obtain the shipping information input by the seller user. The shipping information is generated based on the order information and the digital letter of credit corresponding to the order information; Receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system can transfer the payment amount to the bank account of the seller user; The establishment process of the digital letter of credit includes: According to the transaction information, determine whether the buyer user applies for a digital letter of credit for the first time; If not, determine whether the letter of credit application information meets the pre-set letter of credit opening rules; If it meets the requirements, establish a digital letter of credit corresponding to the order information based on the transaction party identity information, letter of credit application information and payment amount in the transaction information. The letter of credit application information includes the settlement method and settlement information; If so, obtain the letter of credit opening data stored in the database corresponding to the buyer user name; Based on the letter of credit opening data, seller user name, seller user bank account number and payment amount, establish a digital letter of credit corresponding to the order information.

6. A bank letter of credit system, characterized in that, The system includes: The first acquisition unit is used to acquire the order information and letter of credit application information uploaded by the buyer user based on the e-commerce system. The order information includes transaction information and settlement terms. The transaction information includes the bank account numbers of both parties to the transaction, and the settlement terms include the payment amount; The transfer and deposit unit is used to transfer and deposit the amount in the buyer user's bank account that is consistent with the payment amount in the settlement terms to the funds account based on the settlement terms; The digital letter of credit establishment unit is used to establish a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information, and upload the digital letter of credit to be stored in the blockchain smart contract; The second acquisition unit is used to obtain the smart contract corresponding to the order information from the blockchain when receiving the confirmed receipt instruction of the buyer user sent by the e-commerce system and the time when the confirmed receipt instruction is received. The smart contract includes the settlement method and payment conditions; The settlement unit is used to store the amount corresponding to the payment amount in the funds account to the seller user's bank account based on the time when the confirmed receipt instruction is received and the smart contract when it is determined that the settlement method is unconditional payment; The digital letter of credit establishment unit is specifically configured to: determine whether the buyer user applies for a digital letter of credit for the first time according to the transaction information; if not, determine whether the letter of credit application information meets the pre-set letter of credit opening rules; if it meets, establish a digital letter of credit corresponding to the order information based on the identity information of the two parties to the transaction, the letter of credit application information, and the payment amount in the transaction information, where the letter of credit application information includes the settlement method and settlement information; if so, obtain the opening data stored in the database corresponding to the buyer user name; establish a digital letter of credit corresponding to the order information based on the opening data, the seller user name, the seller user bank account number, and the payment amount.

7. The system according to claim 6, wherein, The settlement unit is specifically configured to: determine whether the settlement method is unconditional payment; when it is determined that the settlement method is unconditional payment, obtain the time of the current bank letter of credit system; determine whether the difference between the time when the confirmed receipt instruction is received and the time of the bank letter of credit system reaches a preset period, and the preset period is stored in the digital letter of credit; If it reaches, store the amount corresponding to the payment amount in the money account in the seller user bank account.

8. An e-commerce system, wherein, The system includes: A third acquisition unit, configured to acquire the order information and the letter of credit application information initiated by the buyer user, and send the order information and the letter of credit application information to the blockchain, where the order information includes the information of the two parties to the transaction and the settlement terms; A search unit, configured to search whether there is a digital letter of credit corresponding to the order information on the blockchain, and the digital letter of credit is generated by the bank letter of credit system based on the letter of credit application information and the order information; A display unit, configured to, if it exists, display the order information and the digital letter of credit to the seller user, so that the seller user can send the goods in the order information to the buyer user through the logistics system; A fourth acquisition unit, configured to acquire the delivery information input by the seller user, and the delivery information is generated based on the order information and the digital letter of credit corresponding to the order information; A sending unit, configured to receive the confirmed receipt instruction input by the buyer user, and send the confirmed receipt instruction and the time when the confirmed receipt instruction is received to the bank letter of credit system, so that the bank letter of credit system transfers the payment amount to the bank account of the seller user; The establishment process of the digital letter of credit includes: Determine whether the buyer user applies for a digital letter of credit for the first time according to the transaction information; If not, determine whether the letter of credit application information meets the pre-set letter of credit opening rules; If it meets, establish a digital letter of credit corresponding to the order information based on the identity information of the two parties to the transaction, the letter of credit application information, and the payment amount in the transaction information, where the letter of credit application information includes the settlement method and settlement information; If so, obtain the opening data stored in the database corresponding to the buyer user name; Establish a digital letter of credit corresponding to the order information based on the opening data, the seller user name, the seller user bank account number, and the payment amount.

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