Warehouse receipt pledge logistics financing method, device, equipment and medium based on blockchain

Abstract

The present application discloses a warehouse receipt pledge logistics financing method, device, equipment and medium based on blockchain. The method makes full use of the distributed ledger technology, asymmetric encryption technology, smart contract technology, hash algorithm, digital signature, smart contract technology, and black and white list mechanism in the blockchain, so that the contracts, documents and other vouchers of each business stage of the warehouse receipt pledge logistics financing process can be verified on the chain at high speed and accurately, thereby improving the efficiency of the entire process, saving time, reducing costs, simplifying the financing process, and promoting the rapid operation of transactions. It solves the trust and risk issues in various links such as borrowing by borrowing enterprises, financing by financing banks, and guarantees by logistics enterprises, so that the rights and interests of all parties are protected, the interests of all parties are effectively avoided from being damaged, and the cooperation is promoted smoothly. At the same time, it prevents borrowing enterprises from maliciously tampering with the collection path, reduces the fraud risk of borrowing enterprises and the loan risk of financing bank nodes.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular, to a warehouse receipt pledge logistics financing method, device, equipment and medium based on blockchain. Background Art

[0002] Logistics Finance refers to the effective organization and adjustment of the movement of monetary funds in the logistics field through the application and development of various financial products in the operation process of the logistics industry. These fund movements include various deposits, loans, investments, trusts, leases, mortgages, discounts, insurance, securities issuance and transactions that occur in the logistics process, as well as various intermediary businesses involving the logistics industry handled by financial institutions. According to the different levels of participation of financial institutions, the logistics finance operation model can be divided into two types: capital circulation model and asset circulation model. Warehouse receipt pledge loan is a capital circulation model. In this model, it is mainly provided by financial institutions to borrowing enterprises, but logistics enterprises provide guarantees to financial institutions on behalf of borrowing enterprises, and then financial institutions provide direct or indirect financing to borrowing enterprises based on the guarantees provided by logistics enterprises. Warehouse receipt pledge financing business refers to the applicant depositing the goods that it has full ownership of in the logistics company designated by the bank, and pledging the warehouse receipt issued by the logistics company to the bank as a financing guarantee. The bank provides the applicant with short-term financing business for special trade of the same commodities as the warehouse receipt goods based on the pledged warehouse receipt.

[0003] At present, warehouse receipt pledge financing has the following problems:

[0004] ① Credit risk of the borrowing enterprise. The business capability, business volume and legality of the source of goods of the borrowing enterprise (smuggled goods are subject to the risk of fines and confiscation) are all potential risks for logistics companies; there is the risk of bad goods when rolling out and replacing bad goods with good ones; there is also the quality risk of passing inferior goods off as good ones; ② Commodity supervision and warehouse receipt risk. In terms of the supervision of pledged goods, information asymmetry, information distortion or untimely information exchange between warehouses and banks will lead to mistakes in decision-making by both parties, affecting the development of warehouse receipt pledge business. Warehouse receipts are certificates for pledged loans and delivery of goods. They are securities and property rights securities, but the warehouse receipts currently issued by warehouses are not standardized enough. ③ Internal management and operational risks. The degree of informatization of many warehouses is very low, and they are still at the stage of manual operation, which inevitably leads to operational errors by internal personnel. Summary of the invention

[0005] On the one hand, this application provides a warehouse receipt pledge logistics financing method based on blockchain to solve the technical problems of existing warehouse receipt pledge logistics financing, such as high cost, difficult supervision, low efficiency and high risk.

[0006] The technical solutions adopted in this application are as follows:

[0007] A warehouse receipt pledge logistics financing method based on blockchain, comprising the steps of:

[0008] S1. The borrowing enterprise node and the logistics enterprise node deploy the warehousing agreement according to the negotiation and jointly sign to confirm the chain; after the transportation company node receives the goods delivered by the borrowing enterprise node according to the agreement, it generates a transportation bill and the transportation company node and the borrowing enterprise node sign to confirm the chain; after the logistics enterprise node receives the goods delivered by the transportation company node, it issues a special cargo warehouse receipt and the logistics enterprise node and the borrowing enterprise node sign to confirm the chain; after receiving the storage cargo insurance from the borrowing enterprise node, the insurance company node issues a storage cargo insurance policy and the insurance company node and the borrowing enterprise node sign to confirm the chain;

[0009] S2. After the financing bank node receives the loan application submitted by the borrowing enterprise node based on the special cargo warehouse receipt, it requests and obtains the special cargo warehouse receipt details confirmed and signed by the logistics enterprise node as a loan reference, provided that the credit data of the borrowing enterprise node requested and called through the Oracle node and the third-party credit institution node is qualified;

[0010] S3. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement and co-signs with the financing bank node and the borrowing enterprise node to confirm the chain; the borrowing enterprise node co-signs with the financing bank node to confirm the warehouse receipt pledge endorsement on the chain; the logistics enterprise node deploys an irrevocable guarantee letter of assistance to the bank in exercising the pledge right on the blockchain and co-signs with the financing bank node to confirm the chain; the financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain so that the borrowing enterprise node opens a supervision account at the financing bank node and co-signs to confirm the chain;

[0011] S4. The financing bank node disburses the loan to the supervisory account designated by the borrowing enterprise node in the financing bank node according to the agreed ratio, and uploads the transfer record to the chain and confirms the signature of the borrowing enterprise node;

[0012] S5. During the period of goods pledge, the financing bank node sends an outbound delivery note according to the agreed ratio to instruct the logistics enterprise node to release the goods, and signs and uploads the note to the chain together with the logistics enterprise node. The borrowing enterprise node deposits the sales proceeds of the goods into the supervision account and signs and confirms the transfer record on the chain together with the financing bank node, repeating the process of releasing goods and collecting payments. The business ends when the borrowing enterprise node repays all loans.

[0013] Furthermore, the step S1 specifically includes the steps of:

[0014] S11. After the borrowing enterprise node and the logistics enterprise node have discussed the details of the agreement offline, they start to deploy the relevant agreement contract on the blockchain. The borrowing enterprise node drafts a warehousing agreement based on the agreement reached offline before, clarifies the warehousing acceptance and protection requirements of the goods, and delivers the goods to the logistics enterprise node warehouse accordingly. The borrowing enterprise node uses its own private key to encrypt the warehousing agreement and sends it to the logistics enterprise node, and the record is put on the chain;

[0015] S12. The logistics enterprise node uses the public key of the borrowing enterprise node to verify that the warehousing agreement is drafted by the borrowing enterprise node and the content of the agreement is correct. Then, it uses its own private key to sign and confirm and record it on the chain;

[0016] S13. The borrowing enterprise node delivers the agreed quantity of goods to the transport company node in accordance with the contract. After receiving the goods, the transport company node generates a transport order based on the quantity of goods and other information, sends it to the borrowing enterprise node for confirmation and uploads it to the chain. The transport company node transports the goods to the designated warehouse of the logistics enterprise node and ensures the safety of the goods.

[0017] S14. After receiving the transport bill, the borrowing enterprise node checks whether the information is correct. After confirmation, it signs and confirms the transport bill, sends it to the transport company node and records it on the chain;

[0018] S15. After the logistics enterprise node receives the goods and verifies that they are correct, it issues a special warehouse receipt for the goods, records it on the blockchain, and sends it to the borrowing enterprise node;

[0019] S16. The borrowing enterprise node receives the special cargo warehouse receipt, checks and confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain;

[0020] S17. The borrowing enterprise node applies to the designated insurance company node for storage cargo insurance, designating the first beneficiary as the financing bank node. After receiving the application, the insurance company node sends the storage cargo insurance policy to the borrowing enterprise node and records it on the chain;

[0021] S18. The borrowing enterprise node receives the warehouse cargo insurance policy on the chain, checks and confirms that it is correct, signs it, sends it to the insurance company node and records it on the chain.

[0022] Furthermore, the step S2 specifically includes:

[0023] S21. The borrowing enterprise node applies for a loan from the financing bank node with the special cargo warehouse receipt issued by the logistics enterprise node. After receiving the loan application, the financing bank node sends a credit assessment request form to the Oracle node and records it on the chain, requesting to call the credit data of the borrowing enterprise node, such as tax payment, borrowing status, and credit rating;

[0024] S22. After receiving the credit assessment request from the financing bank node, the Oracle node sends a credit assessment request to the third-party credit institution node, requesting to call the credit data of the borrowing enterprise node;

[0025] S23. The third-party credit institution node receives the notification and sends the credit assessment report of the borrowing enterprise node to the Oracle node. The Oracle node sends the credit assessment report to the financing bank node, and they sign and confirm respectively and record it on the chain;

[0026] S24. After the financing bank node has received the good credit of the borrowing enterprise node, it shall verify the details of the special cargo warehouse receipt with the logistics enterprise node, mainly including the type, specification, quantity and quality of the cargo;

[0027] S25. After receiving the warehouse receipt verification request, the logistics enterprise node will send the special cargo warehouse receipt details after confirmation and signature to the financing bank node for reference by the financing bank node for loan.

[0028] Furthermore, the step S3 specifically includes:

[0029] S31. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement, and after signature confirmation, sends it to the financing bank node and the borrowing enterprise node respectively, and records it on the chain;

[0030] S32. The financing bank node receives the tripartite cooperation agreement for warehouse receipt pledge loans, confirms that it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain;

[0031] S33. The borrowing enterprise node receives the tripartite cooperation agreement for warehouse receipt pledge loan, confirms it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain;

[0032] S34. The borrowing enterprise node signs and confirms the warehouse receipt pledge endorsement and sends it to the financing bank node, and records it on the chain at the same time;

[0033] S35. The financing bank node receives the warehouse receipt pledge endorsement from the borrowing enterprise node, confirms it is correct, signs it, sends it to the borrowing enterprise node, and records it on the chain;

[0034] S36. The logistics enterprise node deploys an irrevocable guarantee letter on the blockchain to assist the bank in exercising the pledge right, stipulating the responsibilities that both parties should fulfill in the cooperation. After signature confirmation, it is sent to the financing bank node and recorded on the chain;

[0035] S37. The financing bank node receives the irrevocable guarantee letter of assistance to the bank in exercising the pledge right, confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain;

[0036] S38. The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, stipulates the responsibilities that both parties should fulfill in the contract, and sends it to the borrowing enterprise node after signature confirmation and records it on the chain;

[0037] S39. The borrowing enterprise node receives the bank-enterprise cooperation agreement and account supervision agreement from the financing bank node, and opens a supervision account at the financing bank node according to the agreement requirements. After confirmation, it signs and sends it to the financing bank node and records it on the chain.

[0038] Furthermore, the step S4 specifically includes the steps of:

[0039] S41. After the financing bank node reviews the warehouse receipt and passes it, on the basis of complete agreements and formalities, the financing bank node will issue the loan to the supervision account in accordance with the agreed ratio. The Oracle node will record the transfer record of the financing bank node to the borrowing enterprise node on the chain and send it to the borrowing enterprise node for signature confirmation;

[0040] S42. The borrowing enterprise node signs and confirms the transfer record to indicate that the remittance has been received and uploads it to the chain.

[0041] Furthermore, the step S5 specifically includes the steps of:

[0042] S51. During the pledge period of goods, the logistics enterprise node supervises the pledged goods according to the contract provisions, and strictly controls the goods in accordance with the process agreed upon in the tripartite agreement and the recognized entry and exit procedures. When the goods need to be shipped out, the financing bank node sends the shipment instruction to the logistics enterprise node, sends the shipment order and uploads it to the chain;

[0043] S52. After receiving the outbound order from the financing bank node, the logistics enterprise node releases the goods in accordance with the regulations for the borrowing enterprise node to sell and collect the payment. At the same time, the relevant information is recorded on the outbound order and uploaded to the chain;

[0044] S53. The borrowing enterprise node fulfills the agreed obligations and deposits the sales proceeds into the regulatory account. The Oracle node records the transfer record of the remittance on the chain and sends it to the financing bank node for signature confirmation.

[0045] S54. The financing bank node receives the transfer record, confirms it is correct, signs it and records it on the chain;

[0046] S55. After receiving the repayment, the financing bank node issues a delivery order and sends it to the logistics enterprise node, which is signed and recorded on the chain;

[0047] S56. After receiving the delivery order, the logistics enterprise node releases the goods according to the delivery order. After the delivery is completed, it signs and confirms and sends it to the financing bank node. The above delivery and payment process is repeated until the borrowing enterprise node repays all loans and the business is completed.

[0048] Furthermore, the step S5 specifically includes the steps of:

[0049] S57. If the borrowing enterprise node defaults or the price of the pledge falls, and the borrowing enterprise node does not add margin in time, the financing bank node has the right to dispose of the pledge, and send the signed notice of disposal of the pledge to the logistics enterprise node and record it on the chain;

[0050] S58. After receiving the notice of disposal of pledged goods, the logistics enterprise node will auction or repurchase the goods according to the nature of the goods to recover funds and reduce losses, and at the same time sign and confirm the content on the chain.

[0051] On the other hand, the present application also provides a blockchain-based warehouse receipt pledge logistics financing device, including:

[0052] The goods-to-warehouse module is used for the borrowing enterprise node and the logistics enterprise node to deploy the warehousing agreement according to the negotiation and jointly sign to confirm the chain; after the transportation company node receives the goods delivered by the borrowing enterprise node according to the agreement, it generates a transportation order and the transportation company node and the borrowing enterprise node sign to confirm the chain; after the logistics enterprise node receives the goods delivered by the transportation company node, it issues a special goods warehouse receipt and the logistics enterprise node and the borrowing enterprise node sign to confirm the chain; after the insurance company node receives the storage goods insurance from the borrowing enterprise node, it issues the storage goods insurance policy and the insurance company node and the borrowing enterprise node sign to confirm the chain;

[0053] The loan application module is used for the financing bank node to request and obtain the details of the special cargo warehouse receipt confirmed and signed by the logistics enterprise node as a loan reference after receiving the loan application submitted by the borrowing enterprise node based on the special cargo warehouse receipt, provided that the credit data of the borrowing enterprise node requested and called through the Oracle node and the third-party credit institution node is qualified;

[0054] The agreement signing module is used for the logistics enterprise node to deploy the warehouse receipt pledge loan tripartite cooperation agreement after the financing bank node passes the review, and jointly sign with the financing bank node and the borrowing enterprise node to confirm the chain; the borrowing enterprise node jointly signs with the financing bank node to confirm the warehouse receipt pledge endorsement on the chain; the logistics enterprise node deploys an irrevocable guarantee letter of assistance to the bank in exercising the pledge right on the blockchain and jointly signs with the financing bank node to confirm the chain; the financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain so that the borrowing enterprise node opens a supervision account at the financing bank node and jointly signs to confirm the chain;

[0055] The loan issuance module is used by the financing bank node to issue loans to the borrowing enterprise node in the supervision account designated by the financing bank node according to the agreed ratio, and to upload the transfer record to the chain and confirm it with the signature of the borrowing enterprise node;

[0056] The module for releasing goods and collecting payments in batches is used during the period of pledge of goods. The financing bank node sends an outbound delivery note according to the agreed ratio to instruct the logistics enterprise node to release the goods, and signs and uploads the note to the chain together with the logistics enterprise node. The borrowing enterprise node deposits the sales proceeds of the goods into the supervision account and signs and confirms the transfer record on the chain together with the financing bank node. The process of releasing goods and collecting payments is repeated, and the business ends when the borrowing enterprise node repays all loans.

[0057] On the other hand, the present application also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the blockchain-based warehouse receipt pledge logistics financing method is implemented.

[0058] On the other hand, the present application also provides a storage medium, which includes a stored program, and when the program is running, controls the device where the storage medium is located to execute the blockchain-based warehouse receipt pledge logistics financing method.

[0059] Compared with the prior art, this application has the following beneficial effects:

[0060] The present application provides a warehouse receipt pledge logistics financing method, device, equipment and storage medium based on blockchain. The present application makes full use of distributed ledger technology, asymmetric encryption technology, smart contract technology, hash algorithm, digital signature and identity authentication in the blockchain, so that the contracts, documents and other vouchers of each business stage of the warehouse receipt pledge financing process under logistics finance can be verified on the chain at high speed and accurately, thereby improving the efficiency of the entire process, saving time, reducing costs, simplifying the financing process, and promoting the rapid operation of transactions. The present application uses blockchain technology to ensure the authenticity and non-tamperability of data, realize the openness and transparency of data, and effectively solve the information asymmetry problem between the various participants in the entire warehouse receipt pledge financing process, especially the borrowing enterprise, logistics enterprise, and financing bank, thereby reducing the possibility of default and fraud among the participants, solving the trust and risk problems in various links such as borrowing by borrowing enterprises, financing by financing banks, and guarantees by logistics enterprises, so that the rights and interests of all parties are guaranteed. Using these technologies, it is difficult for each participant to falsify, and they can also monitor and regulate each other's behavior, which can effectively avoid damage to their own interests and promote smooth cooperation. This application utilizes a blacklist and whitelist mechanism system, which can effectively urge all enterprises on the chain to better regulate their own behavior throughout the entire transaction process for the sake of their own corporate reputation and long-term development in the future. In particular, it can effectively improve the phenomenon that borrowing enterprises, logistics enterprises, and financing banks do not take positive actions when their own interests are not harmed, but are unable to recover when their own interests are damaged. The blacklist and whitelist mechanism can promote the standardization of the operational behavior of borrowing enterprises, logistics enterprises, and financing banks, so that they can complete their tasks with the highest possible quality, and even standardize and drive the atmosphere of the entire industry. In this application, since the borrowing enterprise node opens a regulatory account at the financing bank node for lending and repayment according to the agreement requirements, the financing bank node can monitor the account's repayment status in a timely manner, facilitate the realization of financing self-repayment, prevent borrowing enterprises from maliciously tampering with the repayment path, and reduce the risk of fraud by borrowing enterprises. BRIEF DESCRIPTION OF THE DRAWINGS

[0061] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0062] Figure 1 It is a schematic diagram of the network deployment diagram of the preferred embodiment of the present application.

[0063] Figure 2 It is a flowchart of the warehouse receipt pledge logistics financing method based on blockchain in the preferred embodiment of the present application.

[0064] Figure 3 It is a business structure diagram of a warehouse receipt pledge logistics financing method based on blockchain in another preferred embodiment of the present application.

[0065] Figure 4 It is a business timing diagram of a warehouse receipt pledge logistics financing method based on blockchain in another preferred embodiment of the present application.

[0066] Figure 5 It is a schematic diagram of the module of the warehouse receipt pledge logistics financing device based on blockchain in the preferred embodiment of the present application.

[0067] Figure 6 It is a schematic block diagram of an electronic device entity of a preferred embodiment of the present application. DETAILED DESCRIPTION

[0068] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0069] To facilitate understanding, the technical terms and multiple nodes involved in the blockchain network in the blockchain-based warehouse receipt pledge logistics financing method are first explained.

[0070] Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computer devices jointly participate in "bookkeeping" and jointly maintain a complete distributed database. Blockchain is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, and encryption algorithm. In a broad sense, blockchain technology is a new distributed infrastructure and computing method that uses block chain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses smart contracts composed of automated script codes to program and operate data.

[0071] Smart contract technology, a smart contract is essentially a program written in a certain computing programming language. This program is stored in a container provided by the blockchain system and runs automatically when triggered by certain external or internal conditions. Reflected in the real world, smart contracts are the implementation of real-world rules using computer languages ​​to ensure that the machine automatically executes the predetermined smart contract calculations under certain conditions. Once the rules are fixed, they cannot be tampered with. Smart contracts are a special protocol designed to provide, verify and execute contracts. Specifically, smart contracts are an important reason why blockchain is called "decentralized". It allows us to perform traceable, irreversible and secure transactions without the need for a third party. Smart contracts contain all the information about the transaction, are subject to binding digital agreements, and will only execute the resulting operations after the requirements are met.

[0072] Asymmetric encryption technology is different from symmetric encryption. The keys used in the encryption and decryption process of asymmetric encryption are different. They are divided into public keys and private keys. When the public key is used to encrypt data, only the corresponding private key can be used to decrypt it. When the private key is used to encrypt data, only the corresponding public key can be used to decrypt it. Suppose two users want to encrypt and exchange data. The two parties exchange public keys. When using, one party encrypts with the other party's public key, and the other party can decrypt with its own private key. Suppose A encrypts a message with B's public key and signs with A's private key. After receiving the message, B first verifies the signature with A's public key, and then decrypts the message with its own private key after confirmation. Since the public key can be made public, users only need to keep their own private keys, so the distribution of encryption keys will become very simple. At the same time, since each user's private key is unique, other users can not only verify the authenticity of the source of the information through the public key of the sender of the information, but also use digital signatures to ensure that the sender cannot deny having sent the information. The asymmetric encryption algorithms commonly used at present are RSA algorithm and elliptic curve algorithm (ECSDA).

[0073] Hash algorithm is a very basic and important computer algorithm. It can map a binary plaintext string of any length into a shorter fixed-length binary string (Hash value). Different plaintexts are difficult to map into the same Hash value. An excellent Hash algorithm can achieve the following functions: fast forward, difficult reverse, input sensitive, and conflict avoidance. Therefore, the Hash algorithm is also called a fingerprint or digest.

[0074] Digital identity, we use digital signature technology to achieve reliable identity authentication. Digital signatures use cryptographic principles and are unique to the signer when used. It is computationally impossible to forge a digital signature. Therefore, the true identity of the signer can be identified through the digital signature, which is non-repudiable.

[0075] Digital time-stamp is a technology that can safely confirm and efficiently maintain the specific time of transactions or affairs in the network. It has legal effect and no organization or individual can tamper with the time and date of transactions or affairs confirmed by the timestamp. All nodes involved in recording transaction data in the blockchain can ensure the authenticity and validity of the time of writing block data through the time proof of digital timestamp, which provides reliable time guarantee for the order of data input and chain storage in the blockchain. Timestamps ensure that the time of historical transactions cannot be tampered with and cannot be denied. All historical data can be traced back in order through timestamps.

[0076] Digital certificates are electronic documents issued by CA certification centers. They are a string of numbers that can indicate the identity of network users and provide a way to verify the identity of network users on a computer network. Therefore, digital certificates are also called digital identification. Digital certificates encrypt or decrypt information and data of network users in computer network communication to ensure the integrity and security of information and data.

[0077] The consensus mechanism is to complete the verification and confirmation of transactions in a very short time through the voting of special nodes. For a transaction, if several nodes with irrelevant interests can reach a consensus, we can assume that the entire network can also reach a consensus on this.

[0078] In response to the shortcomings of the existing technology, the technical solution adopted in this application is divided into four parts, including blockchain subsystem, identity authentication subsystem, smart contract subsystem, and blacklist and whitelist mechanism subsystem.

[0079] Blockchain subsystem: used to store transaction data of the transaction process and ensure that the data cannot be tampered with, provide trusted data, and be able to query and trace transaction data.

[0080] Identity authentication subsystem: Use asymmetric encryption, hashing algorithms and other technologies to uniquely identify the identity of each participating node and verify the parties involved in each transaction, ensuring that documents cannot be forged and ensuring data security and privacy.

[0081] Smart contract subsystem: used to realize the automated execution of the entire transaction process. When the transaction trigger conditions are met, the system automatically executes the next step, saving a lot of manpower operations and ensuring that the rules can be executed with certainty.

[0082] Blacklist and whitelist mechanism system: used to constrain the default behavior of all parties in the transaction. Once a default occurs, it will be recorded on the chain to improve the trust of all parties and protect the credit of the bank. Figure 1 In the network deployment diagram shown, the network nodes of the blockchain-based warehouse receipt pledge logistics financing business include:

[0083] like Figure 1 As shown in the figure, the blockchain-based logistics finance warehouse receipt pledge financing network nodes include:

[0084] ① Oracle node (oracle): a platform that provides external information, allows the blockchain to connect to any existing API, can import, store, and export information about network nodes on the blockchain, and realize dynamic acquisition of information;

[0085] ② Logistics enterprise node: A logistics enterprise refers to an economic organization that is engaged in at least one business, namely, transportation (including transportation agency, freight express) or warehousing, and is able to organize and manage basic functions such as transportation, storage, loading and unloading, packaging, circulation processing, and distribution in accordance with customer logistics needs, has an information management system that is suitable for its own business, and implements independent accounting and independently bears civil liability. Non-legal entity logistics economic organizations may be applied by analogy.

[0086] ③ Borrowing enterprise node: For the needs of production and operation, a borrowing enterprise obtains a loan from a bank or other financial institution by using raw materials, semi-finished products, finished products and other spot goods as collateral, and using movable property in the actual trade activities between the enterprise and its upstream and downstream enterprises as collateral.

[0087] ④ Financing bank node: It is a financial institution established in accordance with the law to engage in monetary and credit business, acting as a credit intermediary and providing financing for borrowing enterprises.

[0088] ⑤ Transportation company node: Transportation enterprises refer to enterprises that specialize in passenger and freight transportation or directly provide transportation production services. They are productive enterprises. According to the transportation objects, they are divided into passenger transportation enterprises, freight transportation enterprises and passenger and freight transportation enterprises; according to the transportation mode, they are divided into railway transportation enterprises, highway transportation enterprises, water transportation enterprises, civil aviation transportation enterprises, pipeline transportation enterprises and combined transportation enterprises, etc.; according to the nature of the operation specialization, they are divided into pure transportation enterprises, loading and unloading enterprises and storage and transportation enterprises, etc.

[0089] ⑥ Insurance company node: An insurance company refers to a corporate entity established in accordance with the Insurance Law and the Company Law. Insurance companies collect premiums, invest the capital obtained from the premiums in assets such as bonds, stocks, and loans, and use the income from these assets to pay the insurance compensation determined by the policy. Through the above business, insurance companies can obtain high returns on investment and provide appropriate insurance services to customers at lower premiums, thereby making profits.

[0090] ⑦ Third-party credit agency node: refers to an intermediary legal entity that is established in accordance with relevant laws and regulations, collects corporate and personal credit information, provides corporate and personal credit information inquiry, rating and inquiry services to corporate and personal credit information users, and operates independently.

[0091] like Figure 2 As shown, the preferred embodiment of the present application provides a warehouse receipt pledge logistics financing method based on blockchain, comprising the steps of:

[0092] S1. The borrowing enterprise node and the logistics enterprise node deploy the warehousing agreement according to the negotiation and jointly sign to confirm the chain; after the transportation company node receives the goods delivered by the borrowing enterprise node according to the agreement, it generates a transportation bill and the transportation company node and the borrowing enterprise node sign to confirm the chain; after the logistics enterprise node receives the goods delivered by the transportation company node, it issues a special cargo warehouse receipt and the logistics enterprise node and the borrowing enterprise node sign to confirm the chain; after receiving the storage cargo insurance from the borrowing enterprise node, the insurance company node issues a storage cargo insurance policy and the insurance company node and the borrowing enterprise node sign to confirm the chain;

[0093] S2. After the financing bank node receives the loan application submitted by the borrowing enterprise node based on the special cargo warehouse receipt, it requests and obtains the special cargo warehouse receipt details confirmed and signed by the logistics enterprise node as a loan reference, provided that the credit data of the borrowing enterprise node requested and called through the Oracle node and the third-party credit institution node is qualified;

[0094] S3. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement and co-signs with the financing bank node and the borrowing enterprise node to confirm the chain; the borrowing enterprise node co-signs with the financing bank node to confirm the warehouse receipt pledge endorsement on the chain; the logistics enterprise node deploys an irrevocable guarantee letter of assistance to the bank in exercising the pledge right on the blockchain and co-signs with the financing bank node to confirm the chain; the financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain so that the borrowing enterprise node opens a supervision account at the financing bank node and co-signs to confirm the chain;

[0095] S4. The financing bank node disburses the loan to the supervisory account designated by the borrowing enterprise node in the financing bank node according to the agreed ratio, and uploads the transfer record to the chain and confirms the signature of the borrowing enterprise node;

[0096] S5. During the period of goods pledge, the financing bank node sends an outbound delivery note according to the agreed ratio to instruct the logistics enterprise node to release the goods, and signs and uploads the note to the chain together with the logistics enterprise node. The borrowing enterprise node deposits the sales proceeds of the goods into the supervision account and signs and confirms the transfer record on the chain together with the financing bank node, repeating the process of releasing goods and collecting payments. The business ends when the borrowing enterprise node repays all loans.

[0097] The warehouse receipt pledge logistics financing method based on blockchain in this embodiment makes full use of distributed ledger technology, asymmetric encryption technology, smart contract technology, hash algorithm, digital signature and identity authentication in blockchain, so that the contracts, documents and other vouchers of each business stage of the warehouse receipt pledge financing process under logistics finance can be verified on the chain at high speed and accurately, thereby improving the efficiency of the entire process, saving time, reducing costs, simplifying the financing process, and promoting the rapid operation of transactions. This embodiment uses blockchain technology to ensure the authenticity and non-tamperability of data, realize the openness and transparency of data, and effectively solve the information asymmetry problem between the various participants in the entire warehouse receipt pledge financing process, especially the borrowing enterprise, logistics enterprise, and financing bank, thereby reducing the possibility of default and fraud among the participants, solving the trust and risk problems in various links such as borrowing by borrowing enterprises, financing by financing banks, and guarantees by logistics enterprises, so that the rights and interests of all parties are guaranteed. Using these technologies, it is difficult for each participant to falsify, and they can also monitor and regulate each other's behavior, which can effectively avoid damage to their own interests and promote smooth cooperation. This embodiment uses a black and white list mechanism system to effectively urge all enterprises on the chain to better regulate their own behavior throughout the entire transaction process for the sake of their own corporate reputation and long-term development in the future. In particular, it can effectively improve the phenomenon that borrowing enterprises, logistics enterprises, and financing banks do not take positive actions when their own interests are not harmed, but are unable to recover when their own interests are damaged. The black and white list mechanism can promote the standardization of the operational behavior of borrowing enterprises, logistics enterprises, and financing banks, so that they can complete their tasks with the highest quality possible, and even standardize and drive the atmosphere of the entire industry. In this embodiment, since the borrowing enterprise node opens a supervision account at the financing bank node for lending and repayment according to the agreement requirements, the financing bank node can monitor the repayment of the account in a timely manner, facilitate the realization of financing self-repayment, prevent the borrowing enterprise from maliciously tampering with the repayment path, and reduce the risk of fraud by the borrowing enterprise.

[0098] In a preferred embodiment of the present application, step S1 specifically includes the following steps:

[0099] S11. After the borrowing enterprise node and the logistics enterprise node have discussed the details of the agreement offline, they start to deploy the relevant agreement contract on the blockchain. The borrowing enterprise node drafts a warehousing agreement based on the agreement reached offline before, clarifies the warehousing acceptance and protection requirements of the goods, and delivers the goods to the logistics enterprise node warehouse accordingly. The borrowing enterprise node uses its own private key to encrypt the warehousing agreement and sends it to the logistics enterprise node, and the record is put on the chain;

[0100] S12. The logistics enterprise node uses the public key of the borrowing enterprise node to verify that the warehousing agreement is drafted by the borrowing enterprise node and the content of the agreement is correct. Then, it uses its own private key to sign and confirm and record it on the chain;

[0101] S13. The borrowing enterprise node delivers the agreed quantity of goods to the transport company node in accordance with the contract. After receiving the goods, the transport company node generates a transport order based on the quantity of goods and other information, sends it to the borrowing enterprise node for confirmation and uploads it to the chain. The transport company node transports the goods to the designated warehouse of the logistics enterprise node and ensures the safety of the goods.

[0102] S14. After receiving the transport bill, the borrowing enterprise node checks whether the information is correct. After confirmation, it signs and confirms the transport bill, sends it to the transport company node and records it on the chain;

[0103] S15. After the logistics enterprise node receives the goods and verifies that they are correct, it issues a special warehouse receipt for the goods, records it on the blockchain, and sends it to the borrowing enterprise node;

[0104] S16. The borrowing enterprise node receives the special cargo warehouse receipt, checks and confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain;

[0105] S17. The borrowing enterprise node applies to the designated insurance company node for storage cargo insurance, designating the first beneficiary as the financing bank node. After receiving the application, the insurance company node sends the storage cargo insurance policy to the borrowing enterprise node and records it on the chain;

[0106] S18. The borrowing enterprise node receives the warehouse cargo insurance policy on the chain, checks and confirms that it is correct, signs it, sends it to the insurance company node and records it on the chain.

[0107] In the process of the goods of the borrowing enterprise arriving at the warehouse in this embodiment, first, the borrowing enterprise node and the logistics enterprise node discuss the details of the agreement offline and start to deploy the warehousing agreement on the blockchain and sign to confirm. Then, the borrowing enterprise node delivers the agreed quantity of goods to the transportation company node in accordance with the contract to generate a transport order and jointly sign to confirm the chain. Then, after the logistics enterprise node receives the goods, it issues a special goods warehouse receipt and jointly signs with the borrowing enterprise node to confirm the chain. Finally, after the insurance company node receives the application of the borrowing enterprise node, it sends the storage goods insurance policy to the borrowing enterprise node and jointly signs to confirm the chain. Since the various relevant data are published on the chain after being digitally signed by the relevant nodes during the process of the goods of the borrowing enterprise arriving at the warehouse, after the consensus mechanism and repeated confirmation of each node, everyone keeps accounts, ensuring that the information cannot be tampered with and is transparent and open, ensuring that the information is complete, lossless, authentic, reliable, and controllable in real time, and reducing financing risks.

[0108] In a preferred embodiment of the present application, step S2 specifically includes the following steps:

[0109] S21. The borrowing enterprise node applies for a loan from the financing bank node with the special cargo warehouse receipt issued by the logistics enterprise node. After receiving the loan application, the financing bank node sends a credit assessment request form to the Oracle node and records it on the chain, requesting to call the credit data of the borrowing enterprise node, such as tax payment, borrowing status, and credit rating;

[0110] S22. After receiving the credit assessment request from the financing bank node, the Oracle node sends a credit assessment request to the third-party credit institution node, requesting to call the credit data of the borrowing enterprise node;

[0111] S23. The third-party credit institution node receives the notification and sends the credit assessment report of the borrowing enterprise node to the Oracle node. The Oracle node sends the credit assessment report to the financing bank node, and they sign and confirm respectively and record it on the chain;

[0112] S24. After the financing bank node has received the good credit of the borrowing enterprise node, it shall verify the details of the special cargo warehouse receipt with the logistics enterprise node, mainly including the type, specification, quantity and quality of the cargo;

[0113] S25. After receiving the warehouse receipt verification request, the logistics enterprise node will send the special cargo warehouse receipt details after confirmation and signature to the financing bank node for reference by the financing bank node for loan.

[0114] In this embodiment, during the loan application process of the borrowing enterprise node, the borrowing enterprise node first applies to the bank for a loan based on the special cargo warehouse receipt issued by the logistics enterprise node. Then, after receiving the loan application, the financing bank node first obtains the credit assessment report of the borrowing enterprise node through the Oracle node and the third-party credit institution node using the black and white list mechanism system. Then the financing bank node will determine whether to finance based on the credit assessment report. If it agrees, it will obtain the details of the special cargo warehouse receipt after the signature from the logistics enterprise node as a reference for the loan. In this embodiment, through the intervention of multiple nodes, especially Oracle nodes and third-party credit institution nodes, the authenticity of the credit data of the borrowing enterprise node is called to prevent fraud, thereby reducing the loan risk of the financing bank node. Moreover, since the relevant information involved in the above-mentioned loan application process is published on the chain after being digitally signed by each relevant node, after the consensus mechanism and repeated confirmation of each node, everyone keeps accounts, ensuring that the information cannot be tampered with and is transparent and open, ensuring that the information is complete, reliable, real-time and controllable, and reducing the financing risk.

[0115] In a preferred embodiment of the present application, step S3 specifically includes the following steps:

[0116] S31. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement, and after signature confirmation, sends it to the financing bank node and the borrowing enterprise node respectively, and records it on the chain;

[0117] S32. The financing bank node receives the tripartite cooperation agreement for warehouse receipt pledge loans, confirms that it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain;

[0118] S33. The borrowing enterprise node receives the tripartite cooperation agreement for warehouse receipt pledge loan, confirms it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain;

[0119] S34. The borrowing enterprise node signs and confirms the warehouse receipt pledge endorsement and sends it to the financing bank node, and records it on the chain at the same time;

[0120] S35. The financing bank node receives the warehouse receipt pledge endorsement from the borrowing enterprise node, confirms it is correct, signs it, sends it to the borrowing enterprise node, and records it on the chain;

[0121] S36. The logistics enterprise node deploys an irrevocable guarantee letter on the blockchain to assist the bank in exercising the pledge right, stipulating the responsibilities that both parties should fulfill in the cooperation. After signature confirmation, it is sent to the financing bank node and recorded on the chain;

[0122] S37. The financing bank node receives the irrevocable guarantee letter of assistance to the bank in exercising the pledge right, confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain;

[0123] S38. The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, stipulates the responsibilities that both parties should fulfill in the contract, and sends it to the borrowing enterprise node after signature confirmation and records it on the chain;

[0124] S39. The borrowing enterprise node receives the bank-enterprise cooperation agreement and account supervision agreement from the financing bank node, and opens a supervision account at the financing bank node according to the agreement requirements. After confirmation, it signs and sends it to the financing bank node and records it on the chain.

[0125] In the process of signing the relevant agreements in this embodiment, the borrowing enterprise node opens a supervision account at the financing bank node according to the requirements of the agreement; the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement and the logistics enterprise node, the financing bank node, and the borrowing enterprise node jointly sign and confirm the chain. The logistics enterprise node and the financing bank node jointly sign an irrevocable guarantee to assist the bank in exercising the pledge right; the financing bank node and the borrowing enterprise node jointly sign the bank-enterprise cooperation agreement and the account supervision agreement. Since the borrowing enterprise node opens a supervision account at the financing bank node for loan and repayment according to the requirements of the agreement, the financing bank node can monitor the repayment of the account in a timely manner, which is convenient for realizing financing self-repayment, preventing the borrowing enterprise from maliciously tampering with the repayment path, and reducing the fraud risk of the borrowing enterprise; moreover, the warehousing institution node is a cooperative institution recognized by the financing bank node, so it can reduce the credit risk of the logistics enterprise. At the same time, since the relevant information involved in the signing of the above-mentioned relevant agreements is published on the chain after being digitally signed by each relevant node, after the consensus mechanism and repeated confirmation of each node, everyone keeps accounts, ensuring that the information cannot be tampered with and transparently disclosed, ensuring that the information is complete, intact, authentic, reliable, and controllable in real time, and reducing the financing risk.

[0126] In a preferred embodiment of the present application, step S4 specifically includes the following steps:

[0127] S41. After the financing bank node reviews the warehouse receipt and passes it, on the basis of complete agreements and formalities, the financing bank node will issue the loan to the supervision account in accordance with the agreed ratio. The Oracle node will record the transfer record of the financing bank node to the borrowing enterprise node on the chain and send it to the borrowing enterprise node for signature confirmation;

[0128] S42. The borrowing enterprise node signs and confirms the transfer record to indicate that the remittance has been received and uploads it to the chain.

[0129] In the process of loan issuance in this embodiment, the financing bank node lends a certain proportion of the inventory value to the supervision account opened by the borrowing enterprise node in the financing bank node according to the contract content, and then records the transfer record of the financing bank node to the borrowing enterprise node on the chain for signature confirmation by the borrowing enterprise node. It can be seen that when issuing loans, this embodiment only lends according to the agreed proportion, thereby reducing the risk of lending. Moreover, since the relevant information involved in the above-mentioned loan issuance process is published on the chain after being digitally signed by each relevant node, after the consensus mechanism and repeated confirmation of each node, everyone keeps accounts, ensuring that the information cannot be tampered with and is transparent and open, ensuring that the information is complete, reliable, real-time and controllable, and reducing the risk of financing.

[0130] In a preferred embodiment of the present application, step S5 specifically includes the following steps:

[0131] S51. During the pledge period of goods, the logistics enterprise node supervises the pledged goods according to the contract provisions, and strictly controls the goods in accordance with the process agreed upon in the tripartite agreement and the recognized entry and exit procedures. When the goods need to be shipped out, the financing bank node sends the shipment instruction to the logistics enterprise node, sends the shipment order and uploads it to the chain;

[0132] S52. After receiving the outbound order from the financing bank node, the logistics enterprise node releases the goods in accordance with the regulations for the borrowing enterprise node to sell and collect the payment. At the same time, the relevant information is recorded on the outbound order and uploaded to the chain;

[0133] S53. The borrowing enterprise node fulfills the agreed obligations and deposits the sales proceeds into the regulatory account. The Oracle node records the transfer record of the remittance on the chain and sends it to the financing bank node for signature confirmation.

[0134] S54. The financing bank node receives the transfer record, confirms it is correct, signs it and records it on the chain;

[0135] S55. After receiving the repayment, the financing bank node issues a delivery order and sends it to the logistics enterprise node, which is signed and recorded on the chain;

[0136] S56. After receiving the delivery order, the logistics enterprise node releases the goods according to the delivery order. After the delivery is completed, it signs and confirms and sends it to the financing bank node. The above delivery and payment process is repeated until the borrowing enterprise node repays all loans and the business is completed.

[0137] In the process of releasing goods in batches and collecting sales proceeds during the spot pledge period, the financing bank node first sends an outbound instruction to the logistics enterprise node as agreed, sends an outbound order and uploads it to the chain; then, after the logistics enterprise node receives the outbound instruction from the financing bank node, it releases the goods in accordance with the regulations for the borrowing enterprise node to sell and collect proceeds, and records relevant information on the outbound order and uploads it to the chain; the borrowing enterprise node deposits the sales proceeds into the supervision account, and the Oracle node records the transfer record of the remittance on the chain and sends it to the financing bank node for signature confirmation; after receiving the repayment, the financing bank node issues an outbound order and sends it to the logistics enterprise node for releasing the goods, and finally repeats the above-mentioned process of releasing goods and collecting proceeds until the borrowing enterprise node repays all loans, and the business ends. It can be seen that the financing bank node of this embodiment will release goods to the borrowing enterprise node for sale in batches according to the amount received only after receiving the corresponding repayment, and the borrowing enterprise node will then repay the loan through the smart contract with the sales proceeds, and so on and so forth until the borrower enterprise node repays all the loan principal and interest, thereby effectively reducing the financial risk of the financing bank node. Moreover, since the relevant information involved in the above-mentioned process of releasing goods in batches and collecting sales proceeds is published on the chain after being digitally signed by the relevant nodes, and after the consensus mechanism and repeated confirmation of each node, everyone keeps accounts, ensuring that the information cannot be tampered with and is transparent and open, ensuring that the information is intact, authentic, reliable, and controllable in real time, and reducing financing risks.

[0138] In a preferred embodiment of the present application, step S5 specifically further includes the steps of:

[0139] S57. If the borrowing enterprise node defaults or the price of the pledge falls, and the borrowing enterprise node does not add margin in time, the financing bank node has the right to dispose of the pledge, and send the signed notice of disposal of the pledge to the logistics enterprise node and record it on the chain;

[0140] S58. After receiving the notice of disposal of pledged goods, the logistics enterprise node will auction or repurchase the goods according to the nature of the goods to recover funds and reduce losses, and at the same time sign and confirm the content on the chain.

[0141] This embodiment is mainly used to reduce the risks and losses of financing bank nodes and logistics enterprise nodes when facing the situation of default of borrowing enterprise nodes or falling prices of collateral. As a remedial measure, the financing bank node has the right to dispose of the collateral and send a signed notice of disposal of the collateral to the logistics enterprise node. The logistics enterprise node auctions or repurchases the goods according to the nature of the goods to recover funds to reduce losses, and at the same time signs and confirms the information on the chain. Since the relevant information involved in the above remedial process is published on the chain after being digitally signed by the relevant nodes, and after the consensus mechanism and repeated confirmation of each node, everyone keeps accounts to ensure that the information cannot be tampered with and is transparent and open, and to ensure that the information is complete, reliable, real-time and controllable, and reduces financing risks.

[0142] like Figure 3 and Figure 4 As shown, the preferred embodiment of the present application also provides a warehouse receipt pledge logistics financing method based on blockchain, comprising the steps of:

[0143] S1. After the borrowing enterprise node and the logistics enterprise node have discussed the details of the agreement offline, they start to deploy the relevant agreement contract on the blockchain. The borrowing enterprise node drafts a warehousing agreement based on the agreement reached offline before, clarifies the warehousing acceptance and protection requirements of the goods, and delivers the goods to the logistics enterprise node warehouse accordingly. The borrowing enterprise node uses its own private key to encrypt the warehousing agreement and sends it to the logistics enterprise node, and the record is put on the chain;

[0144] S2. The logistics enterprise node uses the public key of the borrowing enterprise node to verify that the warehousing agreement is drafted by the borrowing enterprise node and the content of the agreement is correct. Then, it uses its own private key to sign and confirm and record it on the chain;

[0145] S3. The borrowing enterprise node delivers the agreed quantity of goods to the transport company node in accordance with the contract. After receiving the goods, the transport company node generates a transport order based on the quantity of goods and other information, sends it to the borrowing enterprise node for confirmation and uploads it to the chain. The transport company node transports the goods to the designated warehouse of the logistics enterprise node and ensures the safety of the goods.

[0146] S4. After receiving the transport bill, the borrowing enterprise node checks whether the information is correct. After confirmation, it signs and confirms the transport bill, sends it to the transport company node and records it on the chain;

[0147] S5. After the logistics enterprise node receives the goods and verifies that they are correct, it issues a special warehouse receipt for the goods, records it on the chain, and sends it to the borrowing enterprise node;

[0148] S6. The borrowing enterprise node receives the special cargo warehouse receipt, checks and confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain;

[0149] S7. The borrowing enterprise node applies to the designated insurance company node for storage cargo insurance, designating the first beneficiary as the financing bank node. After receiving the application, the insurance company node sends the storage cargo insurance policy to the borrowing enterprise node and records it on the chain;

[0150] S8. The borrowing enterprise node receives the warehouse cargo insurance policy on the chain, checks and confirms that it is correct, signs and confirms it, sends it to the insurance company node and records it on the chain;

[0151] S9. The borrowing enterprise node applies for a loan from the financing bank node with the special cargo warehouse receipt issued by the logistics enterprise node. After receiving the loan application, the financing bank node sends a credit assessment request form to the Oracle node and records it on the chain, requesting to call the credit data of the borrowing enterprise node, such as tax payment, borrowing status, and credit rating;

[0152] S10. After receiving the credit assessment request from the financing bank node, the Oracle node sends a credit assessment request to the third-party credit institution node, requesting to call the credit data of the borrowing enterprise node;

[0153] S11. The third-party credit institution node receives the notification and sends the credit assessment report of the borrowing enterprise node to the Oracle node. The Oracle node sends the credit assessment report to the financing bank node, and they sign and confirm respectively and record it on the chain;

[0154] S12. After the financing bank node has received the good credit of the borrowing enterprise node, it will verify the details of the special cargo warehouse receipt with the logistics enterprise node, mainly including the type, specification, quantity and quality of the cargo;

[0155] S13. After receiving the warehouse receipt verification request, the logistics enterprise node sends the special cargo warehouse receipt details after confirmation and signature to the financing bank node for reference by the financing bank node for loan;

[0156] S14. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement, and after signature confirmation, sends it to the financing bank node and the borrowing enterprise node respectively, and records it on the chain;

[0157] S15. The financing bank node receives the tripartite cooperation agreement for warehouse receipt pledge loans, confirms that it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain;

[0158] S16. The borrowing enterprise node receives the warehouse receipt pledge loan tripartite cooperation agreement, confirms it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain;

[0159] S17. The borrowing enterprise node signs and confirms the warehouse receipt pledge endorsement and sends it to the financing bank node, and records it on the chain at the same time;

[0160] S18. The financing bank node receives the warehouse receipt pledge endorsement from the borrowing enterprise node, confirms it is correct, signs it, sends it to the borrowing enterprise node, and records it on the chain;

[0161] S19. The logistics enterprise node deploys an irrevocable guarantee letter on the blockchain to assist the bank in exercising the pledge right, stipulating the responsibilities that both parties should fulfill in the cooperation. After signature confirmation, it is sent to the financing bank node and recorded on the chain;

[0162] S20. The financing bank node receives the irrevocable guarantee letter of assistance to the bank in exercising the pledge right, confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain;

[0163] S21. The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, stipulates the responsibilities that both parties should fulfill in the contract, and sends it to the borrowing enterprise node after signature confirmation and records it on the chain;

[0164] S22. The borrowing enterprise node receives the bank-enterprise cooperation agreement and account supervision agreement from the financing bank node, opens a supervision account at the financing bank node according to the agreement, and after confirmation, signs and sends it to the financing bank node and records it on the chain;

[0165] S23. After the financing bank node reviews the warehouse receipt and passes it, on the basis of complete agreements and formalities, the financing bank node will issue the loan to the supervision account in accordance with the agreed ratio. The Oracle node will record the transfer record of the financing bank node to the borrowing enterprise node on the chain and send it to the borrowing enterprise node for signature confirmation;

[0166] S24. The borrowing enterprise node signs the transfer record to confirm that the remittance has been received and uploads it to the chain;

[0167] S25. During the period of goods pledge, the logistics enterprise node supervises the pledged goods according to the contract provisions, and strictly controls the goods in accordance with the process agreed upon in the tripartite agreement and the recognized entry and exit procedures. When goods need to be shipped out, the financing bank node sends a shipment instruction to the logistics enterprise node, sends a shipment order and uploads it to the chain;

[0168] S26. After receiving the outbound order from the financing bank node, the logistics enterprise node releases the goods in accordance with the regulations for the borrowing enterprise node to sell and collect the payment. At the same time, the relevant information is recorded on the outbound order and uploaded to the chain;

[0169] S27. The borrowing enterprise node fulfills the agreed obligations and deposits the sales proceeds into the regulatory account. The Oracle node records the transfer record of the remittance on the chain and sends it to the financing bank node for signature confirmation.

[0170] S28. The financing bank node receives the transfer record, confirms it is correct, signs it and records it on the chain;

[0171] S29. After receiving the repayment, the financing bank node issues a delivery order and sends it to the logistics enterprise node, which is signed and recorded on the chain;

[0172] S30. After receiving the delivery order, the logistics enterprise node releases the goods according to the delivery order. After the delivery is completed, it signs and confirms and sends it to the financing bank node. The above delivery and payment process is repeated until the borrowing enterprise node repays all loans and the business is completed.

[0173] S31. If the borrowing enterprise node defaults or the price of the collateral falls, and the borrowing enterprise node does not add margin in time, the financing bank node has the right to dispose of the collateral and send the signed collateral disposal notice to the logistics enterprise node and record it on the chain;

[0174] S32. After receiving the notice of disposal of pledged goods, the logistics enterprise node will auction or repurchase the goods according to the nature of the goods to recover funds and reduce losses, and at the same time sign and confirm the content on the chain.

[0175] like Figure 5 The preferred embodiment of the present application also provides a blockchain-based warehouse receipt pledge logistics financing device, including:

[0176] The goods-to-warehouse module is used for the borrowing enterprise node and the logistics enterprise node to deploy the warehousing agreement according to the negotiation and jointly sign to confirm the chain; after the transportation company node receives the goods delivered by the borrowing enterprise node according to the agreement, it generates a transportation order and the transportation company node and the borrowing enterprise node sign to confirm the chain; after the logistics enterprise node receives the goods delivered by the transportation company node, it issues a special goods warehouse receipt and the logistics enterprise node and the borrowing enterprise node sign to confirm the chain; after the insurance company node receives the storage goods insurance from the borrowing enterprise node, it issues the storage goods insurance policy and the insurance company node and the borrowing enterprise node sign to confirm the chain;

[0177] The loan application module is used for the financing bank node to request and obtain the details of the special cargo warehouse receipt confirmed and signed by the logistics enterprise node as a loan reference after receiving the loan application submitted by the borrowing enterprise node based on the special cargo warehouse receipt, provided that the credit data of the borrowing enterprise node requested and called through the Oracle node and the third-party credit institution node is qualified;

[0178] The agreement signing module is used for the logistics enterprise node to deploy the warehouse receipt pledge loan tripartite cooperation agreement after the financing bank node passes the review, and jointly sign with the financing bank node and the borrowing enterprise node to confirm the chain; the borrowing enterprise node jointly signs with the financing bank node to confirm the warehouse receipt pledge endorsement on the chain; the logistics enterprise node deploys an irrevocable guarantee letter of assistance to the bank in exercising the pledge right on the blockchain and jointly signs with the financing bank node to confirm the chain; the financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain so that the borrowing enterprise node opens a supervision account at the financing bank node and jointly signs to confirm the chain;

[0179] The loan issuance module is used by the financing bank node to issue loans to the borrowing enterprise node in the supervision account designated by the financing bank node according to the agreed ratio, and to upload the transfer record to the chain and confirm it with the signature of the borrowing enterprise node;

[0180] The module for releasing goods and collecting payments in batches is used during the period of pledge of goods. The financing bank node sends an outbound delivery note according to the agreed ratio to instruct the logistics enterprise node to release the goods, and signs and uploads the note to the chain together with the logistics enterprise node. The borrowing enterprise node deposits the sales proceeds of the goods into the supervision account and signs and confirms the transfer record on the chain together with the financing bank node. The process of releasing goods and collecting payments is repeated, and the business ends when the borrowing enterprise node repays all loans.

[0181] like Figure 6 As shown, another embodiment of the present application further provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the blockchain-based warehouse receipt pledge logistics financing method is implemented.

[0182] Another embodiment of the present application further provides a storage medium, which includes a stored program, and when the program is running, controls the device where the storage medium is located to execute the blockchain-based warehouse receipt pledge logistics financing method.

[0183] In summary, compared with the prior art, this application has the following advantages:

[0184] This application uses blockchain technology to publish the complete information of the warehouse receipt pledge financing process under the entire logistics finance on the chain. After the consensus mechanism and repeated confirmation of each node, everyone keeps accounts to ensure that the information cannot be tampered with and is transparent and open, and to ensure that the information is intact, true and reliable, and reduce the credit risk of all parties involved. In the traditional model, each participant in the transaction is independent of each other, and there are information islands between the parties. The problem of information asymmetry often causes the participants to spend a lot of time and money costs, greatly reducing transaction efficiency and transaction success rate. Now, blockchain technology is used to form a chain of each important participating node, and the transaction information of each node is recorded on the chain, so as to realize the openness and transparency of the entire process, improve the security and efficiency of the transaction, solve the credit problems of each participant, and reshape the trust mechanism in the warehouse receipt pledge. All information on the chain is traceable, which greatly saves transaction costs and improves transaction efficiency. This application uses asymmetric encryption technology, smart contract technology, hash algorithm, digital signature and identity authentication in blockchain, replacing the traditional settlement process that takes up a lot of manpower and time, such as document review, document preparation, telegram and mailing, etc., improving the verification efficiency of various documents and vouchers, simplifying the warehouse receipt pledge financing process under logistics finance, and promoting the intelligent and fast operation of the entire financing process under the premise of ensuring safety. This application uses the consensus mechanism, asymmetric encryption, hash algorithm, digital identity, digital signature, blockchain distribution method and data storage structure in the blockchain to achieve the non-tampering and non-forgeability of transaction data. All parties can clearly grasp all transaction details and ensure the quality of goods at each replenishment. Solve the credit risk of borrowing enterprises. This application uses distributed ledger technology to realize the transparency of each transaction process, effectively eliminate information asymmetry, and exchange information between all parties in a timely manner to improve the correctness of decision-making. At the same time, by all parties on the chain at the same time, the standardization of warehouse receipts is guaranteed, and the risks of commodity supervision and warehouse receipts are solved. This application realizes the electronicization and transparency of documents by putting all documents on the chain, and effectively realizes the informatization and standardization of documents. At the same time, smart contracts are automatically executed to avoid operational errors by internal personnel, effectively reducing the operational risks of internal managers.

[0185] The above description is only the preferred embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A warehouse receipt pledge logistics financing method based on blockchain, characterized in that: Includes steps: S1. The borrowing enterprise node and the logistics enterprise node deploy the warehousing agreement according to the negotiation and jointly sign to confirm the chain; After the transport company node receives the goods delivered by the borrowing enterprise node according to the agreement, it generates a transport bill and the transport company node and the borrowing enterprise node sign and confirm the bill on the chain; After the logistics enterprise node receives the goods delivered by the transportation company node, it issues a special warehouse receipt for the goods and the logistics enterprise node and the borrowing enterprise node sign and confirm the receipt on the chain; After receiving the storage cargo insurance from the borrowing enterprise node, the insurance company node issues a storage cargo insurance policy and the insurance company node and the borrowing enterprise node sign and confirm the policy on the chain. The specific steps include: S11. After the borrowing enterprise node and the logistics enterprise node have discussed the details of the agreement offline, they start to deploy the relevant agreement contract on the blockchain. The borrowing enterprise node drafts a warehousing agreement based on the agreement reached offline before, clarifies the warehousing acceptance and protection requirements of the goods, and delivers the goods to the logistics enterprise node warehouse accordingly. The borrowing enterprise node uses its own private key to encrypt the warehousing agreement and sends it to the logistics enterprise node, and the record is put on the chain; S12. The logistics enterprise node uses the public key of the borrowing enterprise node to verify that the warehousing agreement is drafted by the borrowing enterprise node and the content of the agreement is correct. Then, it uses its own private key to sign and confirm and record it on the chain; S13. The borrowing enterprise node delivers the agreed quantity of goods to the transport company node in accordance with the contract. After receiving the goods, the transport company node generates a transport order and sends it to the borrowing enterprise node for confirmation and upload to the chain. The transport company node transports the goods to the designated warehouse of the logistics enterprise node and ensures the safety of the goods. S14. After receiving the transport bill, the borrowing enterprise node checks whether the information is correct. After confirmation, it signs and confirms the transport bill, sends it to the transport company node and records it on the chain; S15. After the logistics enterprise node receives the goods and verifies that they are correct, it issues a special warehouse receipt for the goods, records it on the blockchain, and sends it to the borrowing enterprise node; S16. The borrowing enterprise node receives the special cargo warehouse receipt, checks and confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain; S17. The borrowing enterprise node applies to the designated insurance company node for storage cargo insurance, designating the first beneficiary as the financing bank node. After receiving the application, the insurance company node sends the storage cargo insurance policy to the borrowing enterprise node and records it on the chain; S18. The borrowing enterprise node receives the warehouse cargo insurance policy on the chain, checks and confirms that it is correct, signs and confirms it, sends it to the insurance company node and records it on the chain; S2. After the financing bank node receives the loan application submitted by the borrowing enterprise node based on the special cargo warehouse receipt, it requests and obtains the special cargo warehouse receipt details confirmed and signed by the logistics enterprise node as a loan reference, provided that the credit data of the borrowing enterprise node requested and called through the Oracle node and the third-party credit institution node is qualified; S3. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement and jointly signs and confirms the chain with the financing bank node and the borrowing enterprise node; The borrowing enterprise node will jointly sign and confirm the warehouse receipt pledge endorsement and the financing bank node on the chain; The logistics enterprise node deploys an irrevocable guarantee letter on the blockchain to assist the bank in exercising the pledge right and jointly signs with the financing bank node to confirm the chain; The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, so that the borrowing enterprise node opens a supervision account at the financing bank node and jointly signs to confirm the chain, which includes the following steps: S31. After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement, and after signature confirmation, sends it to the financing bank node and the borrowing enterprise node respectively, and records it on the chain; S32. The financing bank node receives the tripartite cooperation agreement for warehouse receipt pledge loans, confirms that it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain; S33. The borrowing enterprise node receives the tripartite cooperation agreement for warehouse receipt pledge loan, confirms it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain; S34. The borrowing enterprise node signs and confirms the warehouse receipt pledge endorsement and sends it to the financing bank node, and records it on the chain at the same time; S35. The financing bank node receives the warehouse receipt pledge endorsement from the borrowing enterprise node, confirms it is correct, signs it, sends it to the borrowing enterprise node, and records it on the chain; S36. The logistics enterprise node deploys an irrevocable guarantee letter on the blockchain to assist the bank in exercising the pledge right, stipulating the responsibilities that both parties should fulfill in the cooperation. After signature confirmation, it is sent to the financing bank node and recorded on the chain; S37. The financing bank node receives the irrevocable guarantee letter of assistance to the bank in exercising the pledge right, confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain; S38. The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, stipulates the responsibilities that both parties should fulfill in the contract, and sends it to the borrowing enterprise node after signature confirmation and records it on the chain; S39. The borrowing enterprise node receives the bank-enterprise cooperation agreement and account supervision agreement from the financing bank node, opens a supervision account at the financing bank node according to the agreement requirements, and after confirmation, signs and sends it to the financing bank node and records it on the chain; S4. The financing bank node disburses the loan to the supervisory account designated by the borrowing enterprise node in the financing bank node according to the agreed ratio, and uploads the transfer record to the chain and confirms the signature of the borrowing enterprise node; S5. During the pledge period of goods, the financing bank node sends a delivery order according to the agreed ratio to instruct the logistics enterprise node to release the goods, and signs and uploads the order together with the logistics enterprise node. The borrowing enterprise node deposits the sales proceeds of the goods into the supervision account and signs and confirms the transfer record on the chain with the financing bank node. The goods release and payment process is repeated. When the borrowing enterprise node repays all loans, the business ends. The step S5 specifically includes the following steps: S51. During the pledge period of goods, the logistics enterprise node supervises the pledged goods according to the contract provisions, and strictly controls the goods in accordance with the process agreed upon in the tripartite agreement and the recognized entry and exit procedures. When the goods need to be shipped out, the financing bank node sends the shipment instruction to the logistics enterprise node, sends the shipment order and uploads it to the chain; S52. After receiving the outbound order from the financing bank node, the logistics enterprise node releases the goods in accordance with the regulations for the borrowing enterprise node to sell and collect the payment. At the same time, the relevant information is recorded on the outbound order and uploaded to the chain; S53. The borrowing enterprise node fulfills the agreed obligations and deposits the sales proceeds into the regulatory account. The Oracle node records the transfer record of the remittance on the chain and sends it to the financing bank node for signature confirmation. S54. The financing bank node receives the transfer record, confirms it is correct, signs it and records it on the chain; S55. After receiving the repayment, the financing bank node issues a delivery order and sends it to the logistics enterprise node, which is signed and recorded on the chain; S56. After receiving the delivery order, the logistics enterprise node releases the goods according to the delivery order. After the delivery is completed, it signs and confirms and sends it to the financing bank node. The above delivery and payment process is repeated until the borrowing enterprise node repays all loans and the business is completed.

2. The blockchain-based warehouse receipt pledge logistics financing method according to claim 1 is characterized in that: The step S2 specifically includes: S21. The borrowing enterprise node applies for a loan from the financing bank node with the special cargo warehouse receipt issued by the logistics enterprise node. After receiving the loan application, the financing bank node sends a credit assessment request form to the Oracle node and records it on the chain, requesting to call the credit data of the borrowing enterprise node; S22. After receiving the credit assessment request from the financing bank node, the Oracle node sends a credit assessment request to the third-party credit institution node, requesting to call the credit data of the borrowing enterprise node; S23. The third-party credit institution node receives the notification and sends the credit assessment report of the borrowing enterprise node to the Oracle node. The Oracle node sends the credit assessment report to the financing bank node, and they sign and confirm respectively and record it on the chain; S24. After the financing bank node has received the good credit standing of the borrowing enterprise node, it shall verify the details of the special cargo warehouse receipt with the logistics enterprise node; S25. After receiving the warehouse receipt verification request, the logistics enterprise node will send the special cargo warehouse receipt details after confirmation and signature to the financing bank node for reference by the financing bank node for loan.

3. The blockchain-based warehouse receipt pledge logistics financing method according to claim 1 is characterized in that: The step S4 specifically comprises the following steps: S41. After the financing bank node reviews the warehouse receipt and passes it, on the basis of complete agreements and formalities, the financing bank node will issue the loan to the supervision account in accordance with the agreed ratio. The Oracle node will record the transfer record of the financing bank node to the borrowing enterprise node on the chain and send it to the borrowing enterprise node for signature confirmation; S42. The borrowing enterprise node signs and confirms the transfer record to indicate that the remittance has been received and uploads it to the chain.

4. The blockchain-based warehouse receipt pledge logistics financing method according to claim 1 is characterized in that: The step S5 specifically further comprises the steps of: S31. If the borrowing enterprise node defaults or the price of the collateral falls, and the borrowing enterprise node does not add margin in time, the financing bank node has the right to dispose of the collateral and send the signed collateral disposal notice to the logistics enterprise node and record it on the chain; S32. After receiving the notice of disposal of pledged goods, the logistics enterprise node will auction or repurchase the goods according to the nature of the goods to recover funds and reduce losses, and at the same time sign and confirm the content on the chain.

5. A warehouse receipt pledge logistics financing device based on blockchain, characterized in that: include: The goods-to-warehouse module is used for the borrowing enterprise node and the logistics enterprise node to deploy the warehousing agreement according to the negotiation and jointly sign to confirm the chain; After the transport company node receives the goods delivered by the borrowing enterprise node according to the agreement, it generates a transport bill and the transport company node and the borrowing enterprise node sign and confirm it on the chain; After the logistics enterprise node receives the goods delivered by the transportation company node, it issues a special warehouse receipt for the goods and the logistics enterprise node and the borrowing enterprise node sign and confirm the receipt on the chain; After receiving the storage cargo insurance from the borrowing enterprise node, the insurance company node issues a storage cargo insurance policy and the insurance company node and the borrowing enterprise node sign and confirm the policy on the chain. It is used for: After the borrowing enterprise node and the logistics enterprise node have discussed the details of the agreement offline, they begin to deploy the relevant agreement contract on the blockchain. The borrowing enterprise node drafts a warehousing agreement based on the agreement reached offline before, clarifies the warehousing acceptance and protection requirements of the goods, and delivers the goods to the logistics enterprise node warehouse accordingly. The borrowing enterprise node uses its own private key to encrypt the warehousing agreement and sends it to the logistics enterprise node, and the record is put on the chain; The logistics enterprise node uses the public key of the borrowing enterprise node to verify that the warehousing agreement is drafted by the borrowing enterprise node and the content of the agreement is correct. Then, it uses its own private key to sign and confirm and record it on the chain. The borrowing enterprise node delivers the agreed quantity of goods to the transport company node in accordance with the contract. After receiving the goods, the transport company node generates a transport order, sends it to the borrowing enterprise node for confirmation and uploads it to the chain. The transport company node transports the goods to the designated warehouse of the logistics enterprise node and ensures the safety of the goods. After receiving the shipping order, the borrowing enterprise node checks whether the information is correct. After confirmation, it signs and confirms the shipping order, sends it to the transportation company node and records it on the chain. After the logistics enterprise node receives the goods and verifies that they are correct, it issues a special warehouse receipt for the goods, records it on the blockchain, and sends it to the borrowing enterprise node; The borrowing enterprise node receives the special cargo warehouse receipt, checks and confirms that it is correct, signs and sends it to the logistics enterprise node, and records it on the chain; The borrowing enterprise node applies to the designated insurance company node for storage cargo insurance, designating the first beneficiary as the financing bank node. After receiving the application, the insurance company node sends the storage cargo insurance policy to the borrowing enterprise node and records it on the chain; The borrowing enterprise node receives the warehouse cargo insurance policy on the chain, checks and confirms that it is correct, signs it, sends it to the insurance company node, and records it on the chain; The loan application module is used for the financing bank node to request and obtain the details of the special cargo warehouse receipt confirmed and signed by the logistics enterprise node as a loan reference after receiving the loan application submitted by the borrowing enterprise node based on the special cargo warehouse receipt, provided that the credit data of the borrowing enterprise node requested and called through the Oracle node and the third-party credit institution node is qualified; The agreement signing module is used for the logistics enterprise node to deploy the warehouse receipt pledge loan tripartite cooperation agreement after the financing bank node passes the review and jointly sign and confirm the chain with the financing bank node and the borrowing enterprise node; The borrowing enterprise node will jointly sign and confirm the warehouse receipt pledge endorsement and the financing bank node on the chain; The logistics enterprise node deploys an irrevocable guarantee letter on the blockchain to assist the bank in exercising the pledge right and jointly signs with the financing bank node to confirm the chain; The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, allowing the borrowing enterprise node to open a supervision account at the financing bank node and jointly sign to confirm the chain, which is specifically used for: After the financing bank node passes the review, the logistics enterprise node deploys the warehouse receipt pledge loan tripartite cooperation agreement, and after signature confirmation, sends it to the financing bank node and the borrowing enterprise node respectively, and records it on the chain; The financing bank node receives the tripartite cooperation agreement for warehouse receipt pledge loans, confirms that it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain; The borrowing enterprise node receives the warehouse receipt pledge loan tripartite cooperation agreement, confirms it is correct, signs it, sends it to the logistics enterprise node, and records it on the chain; The borrowing enterprise node signs and confirms the warehouse receipt pledge endorsement and sends it to the financing bank node, and records it on the chain at the same time; The financing bank node receives the warehouse receipt pledge endorsement from the borrowing enterprise node, confirms it is correct, signs it, sends it to the borrowing enterprise node, and records it on the chain; The logistics enterprise node deploys an irrevocable guarantee on the blockchain to assist the bank in exercising the pledge right, stipulating the responsibilities that both parties should fulfill in the cooperation. After signature confirmation, it is sent to the financing bank node and recorded on the chain; The financing bank node receives an irrevocable guarantee letter to assist the bank in exercising the pledge right, and after confirmation, it signs and sends it to the logistics enterprise node, and records it on the chain; The financing bank node deploys the bank-enterprise cooperation agreement and account supervision agreement on the blockchain, stipulates the responsibilities that both parties should fulfill in the contract, and sends it to the borrowing enterprise node after signature confirmation and records it on the chain; The borrowing enterprise node receives the bank-enterprise cooperation agreement and account supervision agreement from the financing bank node, opens a supervision account at the financing bank node according to the agreement requirements, and after confirmation, signs and sends it to the financing bank node and records it on the chain; The loan issuance module is used by the financing bank node to issue loans to the borrowing enterprise node in the supervision account designated by the financing bank node according to the agreed ratio, and to upload the transfer record to the chain and confirm it with the signature of the borrowing enterprise node; The module for releasing goods in batches and collecting payments is used during the period of pledge of goods. The financing bank node sends a delivery order according to the agreed ratio to instruct the logistics enterprise node to release the goods, and signs and uploads the order together with the logistics enterprise node. The borrowing enterprise node deposits the sales proceeds of the goods into the supervision account and signs and confirms the transfer record on the chain with the financing bank node. The process of releasing goods and collecting payments is repeated. The business ends when the borrowing enterprise node repays all loans. It is specifically used for: During the pledge period, the logistics enterprise node supervises the pledged goods according to the contract provisions, and strictly controls the goods in accordance with the process agreed upon in the tripartite agreement and the recognized entry and exit procedures. When the goods need to be shipped out, the financing bank node sends the shipment instruction to the logistics enterprise node, sends the shipment order and uploads it to the chain; After receiving the outbound order from the financing bank node, the logistics enterprise node releases the goods according to the regulations for the borrowing enterprise node to sell and collect the payment. At the same time, the relevant information is recorded on the outbound order and uploaded to the chain; The borrowing enterprise node fulfills the agreed obligations and deposits the sales proceeds into the regulatory account. The Oracle node records the transfer record of the remittance on the chain and sends it to the financing bank node for signature confirmation. The financing bank node receives the transfer record, confirms it is correct, signs it and records it on the chain; After receiving the repayment, the financing bank node issues a delivery order and sends it to the logistics enterprise node, which is signed and recorded on the chain. After the logistics enterprise node receives the outbound delivery order, it releases the goods according to the outbound delivery order. After the release is completed, it signs and confirms and sends it to the financing bank node. The above release and payment process is repeated until the borrowing enterprise node repays all loans and the business is completed.

6. An electronic 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 program, the blockchain-based warehouse receipt pledge logistics financing method as described in any one of claims 1 to 4 is implemented.

7. A storage medium comprising a stored program, characterized in that: When the program is running, the device where the storage medium is located is controlled to execute the blockchain-based warehouse receipt pledge logistics financing method as described in any one of claims 1 to 4.

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