A domestic trade credit insurance financing method and device based on blockchain

Abstract

The present application discloses a domestic trade credit insurance financing method and device based on blockchain. The method realizes the credibility, transparency and traceability of non-commercial confidential data between various entities in the supply chain by adopting distributed ledger technology, chain storage structure, trusted timestamp, asymmetric encryption technology and consensus mechanism algorithm of blockchain technology. While not affecting the autonomy of various entities in the supply chain network, it can also maximize the real-time chaining and sharing of major data in the transaction process, thereby ensuring the authenticity of the trade background. The authenticity of accounts receivable vouchers and insurance policies is agreed upon and recognized by various nodes, which enhances the credit of the seller's financing, enables the rapid circulation of documents, reduces the additional costs caused by information asymmetry, and thus significantly improves the efficiency of the entire process, reduces resource waste, eliminates forged documents, saves time, reduces costs, simplifies the financing process, and promotes the fast and safe operation of transactions.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular, to a domestic trade credit insurance financing method and device based on blockchain. Background Art

[0002] Domestic trade credit insurance, referred to as domestic trade insurance, protects the safety of corporate accounts receivable. The insured risks are mainly buyer credit risks, including the buyer's inability to repay debts due to bankruptcy and the credit risks caused by the buyer's default on payment. The basic function of domestic trade credit insurance is to provide loss compensation when the above credit risks occur, if the company has difficulty in recovering payment and causes loss of accounts receivable. The financing business under domestic trade insurance is based on the internationally accepted "accounts receivable + credit insurance" financing model. When the seller purchases credit insurance for the accounts receivable generated by the commodity transaction with the buyer and fulfills all obligations necessary for the insurance to take effect, the seller uses its insured accounts receivable to obtain financing from the bank.

[0003] At present, the existing domestic trade credit insurance has the following problems:

[0004] ① Risk of authenticity of trade background. The information asymmetry, opacity and non-sharing between the various entities in the traditional supply chain easily form information islands. The problem of information islands makes it impossible to prove the trade information between upstream sellers and downstream buyers. The current situation of scattered and unintegrated information makes it difficult to confirm the authenticity and validity of the trade background. In domestic trade, there is a lack of credible third-party information. The means of verifying the authenticity of the trade background are almost limited to due diligence such as verifying bills and checking receipts of goods. The seller may fabricate the trade background by forging various certificates and documents. Once the buyer does not cooperate, or there is a moral risk between the buyer and the seller, that is, they may collude with the buyer of the related transaction to fabricate an untrue trade background to commit fraud, which may easily lead to the adverse consequence of bank funds being withdrawn.

[0005] ② Risk of closed payment path. In the traditional supply chain, the ERP systems of enterprises in the same supply chain are not interoperable, resulting in information fragmentation between enterprises and difficulty in integrating information across the entire chain. Therefore, it is easy for buyers to tamper with the payment path, and the misappropriation of funds caused by indirect payment is also not covered by the insurance company. It will be difficult for banks to obtain compensation from insurance companies, and the bank's credit will be damaged. The lack of effective closure of the payment path is a major reason why banks face risks in the traditional supply chain.

[0006] ③Risk of credit insurance company refusing to pay or underpaying. When the trade background of accounts receivable is not true, when the accounts receivable mature, since false trade is not covered by domestic trade insurance, the insurance company refuses to pay, and the bank and the seller of accounts receivable need to bear the credit risk of the buyer. Summary of the invention

[0007] On the one hand, this application provides a domestic trade credit insurance financing method based on blockchain to solve the technical problems of high cost, complicated procedures, low efficiency and high risk of existing domestic trade credit insurance financing.

[0008] The technical solutions adopted in this application are as follows:

[0009] A domestic trade credit insurance financing method based on blockchain, comprising the steps of:

[0010] S1. The seller node deploys the domestic trade contract on the blockchain according to the negotiation with the buyer node and records it on the blockchain after being signed and confirmed by both parties;

[0011] S2. The insurance company node signs and confirms the insurance application signed by the seller node based on the credit assessment report of the seller node generated by the Oracle node, and then notifies the seller node. After receiving the insurance fee from the seller node, the insurance company node deploys the insurance policy on the blockchain and uploads it to the blockchain after being signed and confirmed by the insurance company node and the seller node.

[0012] S3. The third-party logistics node sends the goods and issues a transport bill on the blockchain according to the freight contract signed and put on the blockchain with the seller node. After the buyer node receives the goods and verifies that it is correct according to the transport bill, the accounts receivable debt certificate is deployed on the blockchain and signed and confirmed by the buyer node and the seller node.

[0013] S4. After receiving the financing application from the seller node, the bank node deploys the factoring agreement on the blockchain based on the credit assessment report on the seller node generated by the Oracle node and jointly signs with the seller node to confirm the chain;

[0014] S5. The bank node deploys the accounts receivable debt transfer agreement on the blockchain, and the bank node, seller node, and buyer node sign and confirm in sequence before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, seller node, and insurance company node sign and confirm in sequence before recording on the chain.

[0015] S6. The bank node issues a financing advance to the seller node and uploads the transfer record to the chain. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain.

[0016] S7. When accounts receivable mature, after receiving all the payment transferred by the buyer node, the bank node will pay the remaining payment to the seller node and upload the transfer record to the chain; if the sales revenue of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node will update the buyer node's credit assessment report and upload it to the chain. At the same time, the bank node will claim compensation from the insurance company node and upload the relevant documents to the chain.

[0017] On the other hand, the present application also provides a domestic trade credit insurance financing device based on blockchain, including:

[0018] The trade contract signing module is used for the seller node to deploy the domestic trade contract on the blockchain according to the negotiation with the buyer node and record it on the chain after being signed and confirmed by both parties;

[0019] The cargo insurance module is used for the insurance company node to sign and confirm the insurance application signed by the seller node based on the credit assessment report of the seller node generated by the Oracle node, and then notify the seller node. After receiving the insurance fee from the seller node, the insurance company node deploys the insurance policy on the blockchain and the insurance company node and the seller node sign and confirm before putting it on the chain;

[0020] The shipping and accounts receivable formation module is used for the third-party logistics node to send out the goods and issue the transport bill on the chain according to the freight contract signed and put on the chain with the seller node. After the buyer node receives the goods and verifies that it is correct according to the transport bill, the accounts receivable debt certificate is deployed on the blockchain and signed and confirmed by the buyer node and the seller node.

[0021] Financing application module: after the bank node receives the financing application from the seller node, it deploys the factoring agreement on the blockchain according to the credit assessment report on the seller node generated by the Oracle node and jointly signs with the seller node to confirm the chain;

[0022] The account receivable and insurance policy transfer module is used for the bank node to deploy the account receivable debt transfer agreement on the blockchain, and the bank node, seller node, and buyer node sign and confirm in sequence before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, seller node, and insurance company node sign and confirm in sequence before recording on the chain.

[0023] Financing advance payment issuance module, which is used by the bank node to issue financing advance payments to the seller node and upload the transfer record to the chain. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0024] The repayment settlement module is used when the accounts receivable are due. After receiving the full amount of payment transferred by the buyer node, the bank node will pay the remaining amount to the seller node and upload the transfer record to the chain; if the sales revenue of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node will update the credit assessment report of the buyer node and upload it to the chain. At the same time, the bank node will claim compensation from the insurance company node and upload the relevant documents to the chain.

[0025] Compared with the prior art, this application has the following beneficial effects:

[0026] The present application provides a domestic trade credit insurance financing method and device based on blockchain. The method realizes the credibility, transparency and traceability of non-commercial confidential data between various entities in the supply chain by adopting distributed ledger technology, chain storage structure, trusted timestamp, asymmetric encryption technology and consensus mechanism algorithm of blockchain technology. Without affecting the autonomy of various entities in the supply chain network, it can also maximize the real-time chaining and sharing of major data in the transaction process, thereby ensuring the authenticity of the trade background. The authenticity of accounts receivable vouchers and insurance policies is recognized and recognized by all nodes, which enhances the credit of the seller's financing and enables the rapid circulation of documents. All data on the chain are open to alliance nodes, reducing the additional costs caused by information asymmetry. Banks and insurance companies no longer need to spend additional manpower and material resources for field investigations, and the investigation costs are greatly reduced. The interest and willingness of these financial institutions to participate in this type of emerging financing model are also increased. It can solve the risk of bank credit financing not causing overdue payment due to the buyer's own reasons under the premise of the authenticity of the trade background. In short, the domestic trade credit insurance financing business based on blockchain technology is a win-win situation for buyers, sellers, banks, insurance companies and blockchain platforms.

[0027] In addition to the above-described purposes, features and advantages, the present application also has other purposes, features and advantages. The present application will be further described in detail below with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] 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:

[0029] Figure 1 It is a schematic diagram of the network deployment diagram of the preferred embodiment of the present application.

[0030] Figure 2 It is a flowchart of the domestic trade credit insurance financing method based on blockchain in the preferred embodiment of the present application.

[0031] Figure 3 This is a business structure diagram of a blockchain-based domestic trade credit insurance financing method in another preferred embodiment of the present application.

[0032] Figure 4 This is a business sequence diagram of a blockchain-based domestic trade credit insurance financing method in another preferred embodiment of the present application.

[0033] Figure 5 This is a schematic diagram of the module of the domestic trade credit insurance financing device based on blockchain in the preferred embodiment of the present application.

[0034] Figure 6 It is a schematic block diagram of an electronic device entity of a preferred embodiment of the present application. DETAILED DESCRIPTION

[0035] 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.

[0036] To facilitate understanding, the technical terms and multiple nodes involved in the blockchain network in the blockchain-based domestic trade credit insurance financing method are first explained.

[0037] 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.

[0038] 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.

[0039] 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).

[0040] 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.

[0041] 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.

[0042] 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.

[0043] 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.

[0044] 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.

[0045] In view of the shortcomings of the prior art, the technical solution adopted by the present invention is divided into five parts: identity authentication subsystem, consensus service subsystem, smart contract subsystem, platform service subsystem and blacklist subsystem.

[0046] Identity authentication subsystem: All participants need to apply in advance, register corporate information, submit corporate public keys, and complete the production of certificates. Only those holding access certificates can join the blockchain network. In order to meet regulatory requirements, the management agency has the right to revoke registered certificates.

[0047] Consensus service subsystem: Participating nodes need to execute customized logic to verify transaction behavior and transaction signatures, then package and sort the transactions, and then broadcast them to the entire network. A distributed message system cluster is used to support high-concurrency transactions, ensuring that the system has a high throughput.

[0048] Smart contract subsystem: Isolated secure containers are designed for various business scenarios to provide a corresponding environment for smart contract compilation and operation, running as independent processes in the host machine, thereby improving the efficiency of operation and maintenance.

[0049] Platform service subsystem: By introducing the platform service concept, the platform can build independent business sub-chains according to specific business scenarios, allowing participating nodes to join the business chain. Each business chain is isolated from each other but runs on the same platform, which can improve the overall performance of the network.

[0050] Blacklist subsystem: Once a node on the chain defaults, its default behavior will be broadcast to other nodes and recorded on the chain, and its default behavior will be synchronously recorded off-chain through Oracle.

[0051] like Figure 1 In the network deployment diagram shown, the network nodes of the blockchain-based domestic trade credit insurance financing business include:

[0052] 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;

[0053] ② Seller (accounts receivable creditor) node: The seller is the party that provides goods or services to the buyer and obtains the accounts receivable voucher or invoice.

[0054] ③ Buyer (accounts receivable debtor) node: the party that assumes the accounts receivable debt by signing a credit sales contract.

[0055] ④Bank node: After the seller transfers the accounts receivable to the bank, the bank provides comprehensive financial services such as accounts receivable financing, sales account management, account collection and bad debt guarantee.

[0056] ⑤ Third-party logistics node: independent of the buyer and seller, transports and delivers the products produced by the seller to the buyer.

[0057] ⑥ Insurance company node: Provide credit insurance for the seller’s goods and collect corresponding premiums. When the buyer is at risk of default, the bank must be compensated for the loss.

[0058] like Figure 2 As shown, the preferred embodiment of the present application provides a domestic trade credit insurance financing method based on blockchain, comprising the steps of:

[0059] S1. The seller node deploys the domestic trade contract on the blockchain according to the negotiation with the buyer node and records it on the blockchain after being signed and confirmed by both parties;

[0060] S2. The insurance company node signs and confirms the insurance application signed by the seller node based on the credit assessment report of the seller node generated by the Oracle node, and then notifies the seller node. After receiving the insurance fee from the seller node, the insurance company node deploys the insurance policy on the blockchain and uploads it to the blockchain after being signed and confirmed by the insurance company node and the seller node.

[0061] S3. The third-party logistics node sends the goods and issues a transport bill on the blockchain according to the freight contract signed and put on the blockchain with the seller node. After the buyer node receives the goods and verifies that it is correct according to the transport bill, the accounts receivable debt certificate is deployed on the blockchain and signed and confirmed by the buyer node and the seller node.

[0062] S4. After receiving the financing application from the seller node, the bank node deploys the factoring agreement on the blockchain based on the credit assessment report on the seller node generated by the Oracle node and jointly signs with the seller node to confirm the chain;

[0063] S5. The bank node deploys the accounts receivable debt transfer agreement on the blockchain, and the bank node, seller node, and buyer node sign and confirm in sequence before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, seller node, and insurance company node sign and confirm in sequence before recording on the chain.

[0064] S6. The bank node issues a financing advance to the seller node and uploads the transfer record to the chain. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain.

[0065] S7. When accounts receivable mature, after receiving all the payment transferred by the buyer node, the bank node will pay the remaining payment to the seller node and upload the transfer record to the chain; if the sales revenue of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node will update the buyer node's credit assessment report and upload it to the chain. At the same time, the bank node will claim compensation from the insurance company node and upload the relevant documents to the chain.

[0066] This embodiment provides a domestic trade credit insurance financing method based on blockchain. The method realizes the credibility, transparency and traceability of non-commercial confidential data between various entities in the supply chain by adopting distributed ledger technology, chain storage structure, trusted timestamp, asymmetric encryption technology and consensus mechanism algorithm of blockchain technology. Without affecting the autonomy of various entities in the supply chain network, it can also maximize the real-time chaining and sharing of major data in the transaction process, ensure the authenticity of the trade background, and obtain consensus and recognition of the authenticity of accounts receivable vouchers and insurance policies from various nodes, enhance the credit of the seller's financing, and realize the rapid circulation of documents. All data on the chain are open to alliance nodes, reducing the additional costs caused by information asymmetry. Banks and insurance companies no longer need to spend additional manpower and material resources for field investigations, and the investigation costs are greatly reduced. It also increases the interest and willingness of these financial institutions to participate in this type of emerging financing model. It can solve the risk of bank credit financing not causing overdue payment due to the buyer's own reasons under the premise of the authenticity of the trade background. In short, the domestic trade credit insurance financing business based on blockchain technology is a win-win situation for buyers, sellers, banks, insurance companies and blockchain platforms:

[0067] For the seller: ① Obtain financing. With the endorsement of the buyer's company, it is relatively easy to obtain financing, and it helps to reduce the financing cost. ② Reduce the account receivable. It can achieve non-recourse factoring financing, reduce the capital flow locked in the accounts receivable, quickly obtain the bank's financial support, and accelerate the liquidity capital turnover. ③ Collection is guaranteed. Since the buyer's company promises to pay unconditionally when due, it strengthens the buyer's willingness to pay, so that the seller's collection of due payments is effectively guaranteed. ④ It can optimize the company's financial statements and make the development of small and medium-sized enterprises more standardized. ⑤ It can effectively avoid the buyer's default risk and reduce the risks and losses caused to the seller by the buyer's credit and capital risks. In short, the domestic trade credit insurance financing business based on blockchain technology can help small and medium-sized enterprises break the dilemma of "difficult and expensive financing" to achieve better survival and development, stabilize the social status of small and medium-sized enterprises, help promote employment and stabilize society, and realize the transformation and upgrading of the social and economic structure.

[0068] For buyers: ① Zero cost, zero investment, and profit. Buyer companies do not need additional investment, and can obtain excess profits through credit trade, and financial plans are also optimized. ② It is conducive to the rapid development of enterprises. Through the blockchain financing platform, the buyer's delayed payment funding needs can be effectively solved, and the buyer's immediate payment funding pressure can be alleviated, which is conducive to the development and growth of buyer companies, promote their own industrial upgrading, and timely meet the diversified needs of the market, expand market share, and improve market competitiveness. ③ Optimize reports. By adopting credit settlement, buyer companies can extend the buyer's cash payment cycle. Buyer companies do not need to immediately issue commercial bills and pay the corresponding cash. The buyer's capital flow can also be optimized and interest-bearing liabilities can be increased. ④ At the same time, under the constraints of technologies such as smart contracts, the buyer's credit risk is effectively reduced, which can help the supply chain network reshape the trust mechanism and achieve better coordination and decision-making between enterprises.

[0069] For banks: ① Obtain high-quality assets. Based on the real trade background and the buyer's default risk is effectively controlled, banks can obtain high-quality accounts receivable. ② Obtain stable income. Banks can hold accounts receivable until maturity, or transfer credit to the next level through debt transfer, and later they can be packaged into ABS for circular investment to help banks obtain stable income. ③ Reduce the cost of investigation of the authenticity of the trade background by banks and other financial institutions. The openness and transparency of information also increases the participation of banks, reduces the buyer's credit risk that banks need to bear, and avoids additional losses under the traditional supply chain. ④ Banks can achieve stable fixed income such as interest and handling fees, because as long as there are enough companies with financing needs on the blockchain platform, banks can still achieve economies of scale by providing fast and batch loans.

[0070] For insurance companies: ① It can provide new credit insurance methods for enterprises with financing needs, helping insurance companies expand the market scope of cooperative users and the smoothness and depth of cooperation. ② Through cooperation with banks, they can jointly develop potential customer markets. Banks and insurance companies can develop their own customer resources, share them with each other while retaining independence, and increase the scale of users, which is conducive to expanding market share and increasing the income of insurance companies. ③ It reduces the cost of insurance companies to investigate the authenticity of the background of insured goods trade, increases the participation of insurance companies, and simplifies the claims procedures and processes, greatly improving efficiency. ④ Insurance companies can obtain stable insurance premiums and fixed income such as handling fees.

[0071] For blockchain platforms: ① Light assets, revenue-generating platform. By providing a blockchain platform, attracting the participation of various entities in the supply chain, without providing a guarantee or hard redemption, the blockchain platform can charge corresponding operating expenses and obtain corresponding benefits. When the platform has enough users, it can achieve a good ecological system. ② Customer acquisition and increased settlement. The blockchain platform can also provide services such as financing functions, and this platform can increase customer acquisition channels, laying the foundation for tapping core customer needs, increasing capital settlement and deposit precipitation.

[0072] In a preferred embodiment of the present application, step S1 specifically includes the following steps:

[0073] S11. The seller node deploys the domestic trade contract on the blockchain after negotiation with the buyer node, notifies the buyer node after signature confirmation, and records it on the chain;

[0074] S12. The buyer’s node checks the contents of the trade contract and signs to confirm, and records it on the chain.

[0075] When a trade contract is signed in this embodiment, the relevant contents involved in the signing of the trade contract are published on the chain after being signed and confirmed by the seller's node and the buyer's node. 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, thereby ensuring the integrity, authenticity, reliability, real-time controllability of the information and reducing financing risks.

[0076] In a preferred embodiment of the present application, step S2 specifically includes the following steps:

[0077] S21. After the seller node prepares the goods, it applies to the insurance company for insurance, issues the corresponding insurance application form, and records it on the chain;

[0078] After receiving the insurance application from the seller node, the S22 insurance company node deploys the credit assessment application on the blockchain and applies to the Oracle node to investigate the seller node's off-chain cargo data;

[0079] S23. After receiving the credit assessment application from the insurance company, generate a credit assessment report on the seller's node by investigating the Oracle node, sign and confirm, record it on the chain, and notify the insurance company node;

[0080] S24. The insurance company node signs and confirms the insurance application form and notifies the seller node;

[0081] S25. The seller node pays the insurance fee to the insurance company node, and uploads the seller node's transfer record to the chain through the Oracle node;

[0082] S26. After the insurance company node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0083] S27. After receiving the insurance premium from the seller node, the insurance company node deploys the insurance policy on the blockchain. After issuing the insurance policy, it sends a notification to the seller node and records it on the chain.

[0084] S28. The seller’s node confirms that the policy content is correct and signs it, and records it on the chain.

[0085] In this embodiment, before the seller node insures the insurance company node, the insurance company node first queries the credit status of the seller node through the Oracle node, calls the authenticity of the seller node's credit data to prevent fraud, thereby reducing the risk of the insurance company node, and then completes the payment and receipt of the insurance premium. The relevant data involved in the entire insurance process are 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 to ensure 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, reducing insurance risks.

[0086] In a preferred embodiment of the present application, step S3 specifically includes:

[0087] S31. After the goods are prepared, the seller node and the third-party logistics node negotiate and start to deploy the freight contract on the blockchain, entrusting the third-party logistics node to deliver the goods to the buyer's node and record it on the chain;

[0088] S32. The third-party logistics node confirms that the freight contract is correct and signs it, and records it on the chain;

[0089] S33. After the third-party logistics node ships the goods, it deploys and issues the transport bill on the blockchain, then sends a notification to the buyer’s node and records it on the chain;

[0090] S34. After receiving the goods, the buyer node will check and compare the details of the goods with the contents of the transport bill, sign it after confirming that the contents of the transport bill are correct, and record it on the chain;

[0091] S35. After receiving the goods, the buyer's node deploys and issues the accounts receivable debt certificate on the blockchain, then notifies the seller's node and records it on the chain;

[0092] S36. After receiving the notification, the seller confirms that the content of the accounts receivable debt certificate is consistent with the content of the previously signed trade contract, signs to confirm and records it on the chain.

[0093] In the process of shipping and forming accounts receivable debt certificates in this embodiment, the seller node, third-party logistics node, and buyer node will publish the relevant document information such as freight contracts, transportation orders, accounts receivable debt certificates, etc. on the chain after being digitally signed by the relevant nodes. 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 ensure that the information is complete, intact, authentic, reliable, and controllable in real time, thereby reducing financing risks.

[0094] In a preferred embodiment of the present application, step S4 specifically includes:

[0095] S41. After receiving the insurance policy and accounts receivable debt certificate, the seller node deploys the domestic trade financing application on the blockchain, records it on the chain after signature confirmation, and notifies the bank node;

[0096] S42. After receiving the financing application from the seller node, the bank node examines the authenticity of the trade background between the buyer and the seller through the trade contract, freight contract, transport bill, transfer record, and accounts receivable debt certificate on the chain;

[0097] S43. The bank node deploys the credit assessment application on the blockchain and applies to the Oracle node to investigate other credit data of the seller node off-chain;

[0098] S44. After receiving the credit assessment application from the bank, generate a credit assessment report on the seller's node by investigating the Oracle node, record it on the chain after signature confirmation, and notify the bank node;

[0099] S45. After the bank node receives the credit assessment report on the seller node from the Oracle node, it agrees to the financing application of the seller node. The bank deploys the factoring agreement on the blockchain and signs and confirms it, notifies the seller node, and records it on the chain synchronously after completion;

[0100] S46. After the seller node receives the factoring agreement from the bank node, it checks the contract content of the factoring agreement and signs it for confirmation and records it on the chain.

[0101] In the process of the seller node applying for financing in this embodiment, after the bank node receives the financing application from the seller node, the bank node first examines the authenticity of the trade background of the buyer and seller through the relevant documents on the chain, and applies to investigate other credit data of the seller node off-chain through the Oracle node; then the bank node deploys the factoring agreement after the review is passed and signs with the seller node in turn to confirm the chain.

[0102] Among them, step S42 requires the verification of accounts receivable invoices. This operation identifies the specific area of ​​the enterprise's sales invoice and transmits it to the invoice pool system for verification to determine whether it is authentic and valid, and matches the invoice's issuance, red cancellation, and cancellation status. The invoice verification query results can be automatically added to the invoice pool, and the verification results are stored in the blockchain. The required nodes and their functions are: (1) Invoice chain node, where financial institutions verify the invoice and complete the information into the chain; (2) User node, where enterprise users can check and confirm the invoices involved in financing; (3) Invoice disclosure node, where financing intermediary institutions can identify and query the invoices involved in financing evidence; (4) Supervision node, where regulatory agencies can supervise and conduct compliance audits on the chain data; (5) Operation node, which operates and maintains the blockchain basic platform.

[0103] During the process of the seller node applying for financing, all relevant information involved is published on the chain after being digitally signed by the relevant nodes. 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, ensuring the integrity, authenticity, reliability, real-time controllability of the information, and reducing the risk of financing.

[0104] In a preferred embodiment of the present application, step S5 specifically includes:

[0105] S51. After the factoring agreement is completed, the bank node (creditor assignee) deploys the accounts receivable debt transfer agreement on the blockchain, signs and confirms it and notifies the seller node. After completion, the data is synchronously recorded on the chain;

[0106] S52. After receiving the notification of the accounts receivable transfer agreement, the seller node (creditor) checks the contents of the accounts receivable transfer agreement and signs it to confirm the transfer of the accounts receivable, and notifies the buyer node. All data is recorded on the chain;

[0107] S53. After receiving the notification from the seller's node, the buyer's node (debtor) verifies the contents of the accounts receivable debt transfer agreement, signs and confirms the contents, and records it on the chain;

[0108] S54. The bank node (creditor) deploys the policy creditor's rights transfer agreement on the blockchain and signs and confirms it, then notifies the seller's node and records it on the chain;

[0109] S55. The seller node checks the content of the policy creditor's rights transfer agreement and signs it to confirm the transfer of the policy creditor's rights. Then it notifies the insurance company node and records it on the chain.

[0110] S56. After the insurance company node receives the notification from the seller node, it checks and confirms that the content of the policy debt transfer agreement is correct, then signs and confirms the policy debt transfer agreement and records it on the chain.

[0111] In the process of transferring accounts receivable and insurance policies in this embodiment, the bank node first deploys the accounts receivable debt transfer agreement on the blockchain, and the bank node, the seller node, and the buyer node sign and confirm in turn before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, the seller node, and the insurance company node sign and confirm in turn before recording on the chain. Since the relevant information involved in the above 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 intact, authentic, reliable, and controllable in real time, and reducing financing risks.

[0112] In a preferred embodiment of the present application, step S6 specifically includes:

[0113] S61. After completing the transfer of accounts receivable and insurance policies, the bank node issues a financing advance to the seller node and uploads the bank node's transfer record to the chain through the Oracle node;

[0114] S62. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain.

[0115] In the process of issuing financing advances in this embodiment, since the relevant information involved is published on the chain after being digitally signed by the bank node, the seller node, and the Oracle node, 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, thereby reducing financing risks.

[0116] In a preferred embodiment of the present application, step S7 specifically includes:

[0117] S71. When the accounts receivable are due, the buyer node pays the accounts payable to the bank node's dedicated collection account and uploads the buyer node's transfer record to the chain through the Oracle node;

[0118] S72. After the bank node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0119] S73. After receiving all the payment, the bank node pays the remaining payment to the seller node, and the Oracle node uploads the bank node's transfer record to the chain;

[0120] S74. After receiving the remaining payment, the seller node signs and confirms the transfer record and records it on the chain;

[0121] S75. If the sales revenue of the buyer node is insufficient to repay all accounts payable and the buyer node chooses to default, the bank node will record its default on the chain and update its credit assessment report through the Oracle node;

[0122] S76. The bank node claims compensation from the insurance company node, the insurance company node pays the bank the amount of loss, and the Oracle node uploads the transfer record of the insurance company node to the chain;

[0123] S77. After receiving the payment, the bank node signs and confirms the transfer record and records it on the chain.

[0124] In the process of repayment settlement in this embodiment, after the account is due, the bank node will pay the remaining payment to the seller node after receiving all the payment. If the sales revenue of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node will record its default situation on the chain and update its credit assessment report through the Oracle node. The bank node claims compensation from the insurance company node, and the insurance company node pays the bank's loss amount. Since the relevant information involved in the above 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 intact, authentic, reliable, and controllable in real time, and reducing financing risks.

[0125] Specifically, the step S76 comprises the following steps:

[0126] S761. Unless otherwise agreed in the insurance contract, the bank node shall submit the "Possible Loss Notice" to the insurance company node after the credit risk specified in the insurance contract occurs;

[0127] S762. When credit risk occurs, the bank node actively takes risk prevention and control measures under the guidance of the insurance company node to minimize losses;

[0128] S763. While actively mitigating losses, the bank node shall sign the "Agency Agreement" in both Chinese and English and provide relevant documents to authorize the insurance company node to intervene in the investigation and recovery, so that the insurance company node can find out the cause of the loss as soon as possible and make damage assessment and compensation in a timely manner;

[0129] S764. After the insurance loss amount is determined, the bank node formally submits a claim application to the insurance company node;

[0130] S765. After the insurance company node accepts the claim application from the bank node, it shall make a comprehensive assessment of the insurance liability and make a compensation decision based on the investigation and review results and the performance of the bank node’s insurance policy;

[0131] S766. After the insurance company node pays the compensation, the bank node will transfer the rights and interests related to the compensation to the insurance company node, and at the same time assist the insurance company node to continue to pursue compensation from the buyer node.

[0132] This embodiment discloses the specific business process of the bank node claiming compensation from the insurance company node and the insurance company node paying the bank's loss amount. During the claim process, the bank node actively takes risk prevention and control measures under the guidance of the insurance company node to minimize losses. At the same time, after the insurance company node pays the compensation, the bank node will promptly transfer the rights and interests involved in the compensation to the insurance company node, and assist the insurance company node to continue to pursue compensation from the buyer node, thereby minimizing the insurance company node and reducing financing risks.

[0133] like Figure 3 and Figure 4 As shown, the preferred embodiment of the present application also provides a domestic trade credit insurance financing method based on blockchain, comprising the steps of:

[0134] S1. The seller node deploys the domestic trade contract on the blockchain after negotiation with the buyer node, notifies the buyer node after signature confirmation, and records it on the chain;

[0135] S2. The buyer's node checks the content of the trade contract and signs it for confirmation, and records it on the chain;

[0136] S3. After the seller node prepares the goods, it applies to the insurance company for insurance, issues the corresponding insurance application form, and records it on the chain;

[0137] S4. After receiving the insurance application from the seller node, the insurance company node deploys the credit assessment application on the blockchain and applies to the Oracle node to investigate the seller node's off-chain cargo data;

[0138] S5. After receiving the credit assessment application from the insurance company, generate a credit assessment report on the seller's node by investigating the Oracle node, sign and confirm, record it on the chain, and notify the insurance company node;

[0139] S6. The insurance company node signs and confirms the insurance application form and notifies the seller node;

[0140] S7. The seller node pays the insurance fee to the insurance company node, and uploads the seller node's transfer record to the chain through the Oracle node;

[0141] S8. After the insurance company node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0142] S9. After receiving the insurance premium from the seller node, the insurance company node deploys the insurance policy on the blockchain. After issuing the insurance policy, it sends a notification to the seller node and records it on the chain.

[0143] S10. The seller node confirms that the policy content is correct and signs it, and records it on the chain;

[0144] S11. After the goods are prepared, the seller node and the third-party logistics node negotiate and start to deploy the freight contract on the blockchain, entrusting the third-party logistics node to deliver the goods to the buyer's node and record it on the chain;

[0145] S12. The third-party logistics node confirms that the freight contract is correct and signs it, and records it on the chain;

[0146] S13. After the third-party logistics node ships the goods, it deploys and issues the transport bill on the blockchain, then sends a notification to the buyer’s node and records it on the chain;

[0147] S14. After receiving the goods, the buyer node will check and compare the details of the goods with the contents of the transport bill, sign it after confirming that the contents of the transport bill are correct, and record it on the chain;

[0148] S15. After receiving the goods, the buyer's node deploys and issues the accounts receivable debt certificate on the blockchain, then notifies the seller's node and records it on the chain;

[0149] S16. After receiving the notification, the seller confirms that the contents of the accounts receivable debt certificate are consistent with the previously signed trade contract, signs to confirm and records it on the chain;

[0150] S17. After receiving the insurance policy and accounts receivable debt certificate, the seller node deploys the domestic trade financing application on the blockchain, records it on the chain after signature confirmation, and notifies the bank node;

[0151] S18. After receiving the financing application from the seller's node, the bank node examines the authenticity of the trade background between the buyer and the seller through the trade contract, freight contract, transport bill, transfer record, and accounts receivable debt certificate on the chain;

[0152] S19. The bank node deploys the credit assessment application on the blockchain and applies to the Oracle node to investigate other credit data off-chain at the seller node;

[0153] S20. After receiving the credit assessment application from the bank, generate a credit assessment report on the seller's node by investigating the Oracle node, record it on the chain after signature confirmation, and notify the bank node;

[0154] S21. After the bank node receives the credit assessment report on the seller node from the Oracle node, it agrees to the financing application of the seller node. The bank deploys the factoring agreement on the blockchain and signs and confirms it, notifies the seller node, and records it on the chain synchronously after completion.

[0155] S22. After receiving the factoring agreement from the bank node, the seller node checks the contract content of the factoring agreement and signs it for confirmation and records it on the chain;

[0156] S23. After the factoring agreement is completed, the bank node (creditor assignee) deploys the accounts receivable debt transfer agreement on the blockchain, signs and confirms it and notifies the seller node. After completion, the data is synchronously recorded on the chain;

[0157] S24. After receiving the notification of the accounts receivable transfer agreement, the seller node (creditor) checks the contents of the accounts receivable transfer agreement and signs it to confirm the transfer of the accounts receivable, and notifies the buyer node. All data is recorded on the chain;

[0158] S25. After receiving the notification from the seller's node, the buyer's node (debtor) verifies the contents of the accounts receivable debt transfer agreement, signs and confirms the contents, and records it on the chain;

[0159] S26. The bank node (creditor) deploys the policy creditor rights transfer agreement on the blockchain and signs and confirms it, then notifies the seller node and records it on the chain;

[0160] S27. The seller node checks the content of the policy debt transfer agreement and signs it to confirm the transfer of the policy debt. Then it notifies the insurance company node and records it on the chain.

[0161] S28. After receiving the notification from the seller's node, the insurance company node checks and confirms that the content of the policy debt transfer agreement is correct, then signs and confirms the policy debt transfer agreement and records it on the chain;

[0162] S29. After completing the transfer of accounts receivable and insurance policies, the bank node issues a financing advance to the seller node and uploads the bank node's transfer record to the chain through the Oracle node;

[0163] S30. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0164] S31. When the accounts receivable are due, the buyer node pays the accounts payable to the bank node's dedicated collection account and uploads the buyer node's transfer record to the chain through the Oracle node;

[0165] S32. After the bank node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0166] S33. After receiving all the payment, the bank node pays the remaining payment to the seller node, and the Oracle node uploads the bank node's transfer record to the chain;

[0167] S34. After receiving the remaining payment, the seller node signs and confirms the transfer record and records it on the chain;

[0168] S35. If the sales revenue of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node will record its default on the chain and update its credit assessment report through the Oracle node;

[0169] S36. The bank node claims compensation from the insurance company node, the insurance company node pays the bank the amount of loss, and the Oracle node uploads the transfer record of the insurance company node to the chain;

[0170] S37. After receiving the payment, the bank node signs and confirms the transfer record and records it on the chain.

[0171] like Figure 5 The preferred embodiment of the present application also provides a domestic trade credit insurance financing device based on blockchain, including:

[0172] The trade contract signing module is used for the seller node to deploy the domestic trade contract on the blockchain according to the negotiation with the buyer node and record it on the chain after being signed and confirmed by both parties;

[0173] The cargo insurance module is used for the insurance company node to sign and confirm the insurance application signed by the seller node based on the credit assessment report of the seller node generated by the Oracle node, and then notify the seller node. After receiving the insurance fee from the seller node, the insurance company node deploys the insurance policy on the blockchain and the insurance company node and the seller node sign and confirm before putting it on the chain;

[0174] The shipping and accounts receivable formation module is used for the third-party logistics node to send out the goods and issue the transport bill on the chain according to the freight contract signed and put on the chain with the seller node. After the buyer node receives the goods and verifies that it is correct according to the transport bill, the accounts receivable debt certificate is deployed on the blockchain and signed and confirmed by the buyer node and the seller node.

[0175] Financing application module: after the bank node receives the financing application from the seller node, it deploys the factoring agreement on the blockchain according to the credit assessment report on the seller node generated by the Oracle node and jointly signs with the seller node to confirm the chain;

[0176] The account receivable and insurance policy transfer module is used for the bank node to deploy the account receivable debt transfer agreement on the blockchain, and the bank node, seller node, and buyer node sign and confirm in sequence before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, seller node, and insurance company node sign and confirm in sequence before recording on the chain.

[0177] Financing advance payment issuance module, which is used by the bank node to issue financing advance payments to the seller node and upload the transfer record to the chain. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain;

[0178] The repayment settlement module is used when the accounts receivable are due. After receiving the full amount of payment transferred by the buyer node, the bank node will pay the remaining amount to the seller node and upload the transfer record to the chain; if the sales revenue of the buyer node is not enough to repay all accounts payable and the buyer node chooses to default, the bank node will update the credit assessment report of the buyer node and upload it to the chain. At the same time, the bank node will claim compensation from the insurance company node and upload the relevant documents to the chain.

[0179] like Figure 6 As shown, another embodiment of 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 domestic trade credit insurance financing method is implemented.

[0180] 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 domestic trade credit insurance financing method.

[0181] In summary, compared with the prior art, this application has the following advantages:

[0182] This application uses blockchain technology to publish the complete information of the entire trade insurance financing process under export credit insurance 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, authentic and reliable, and reduce the credit risk of all parties involved. In the traditional model, each participant in the transaction is independent, 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 international trade. All information on the chain is traceable, which greatly saves transaction costs and improves transaction efficiency.

[0183] The domestic trade credit insurance financing business of this application makes full use of smart contract technology, sets up a special account for the buyer's payment, avoids the risk of malicious tampering with the account and misappropriation of funds by the buyer company, and sets a computer programmable language for the payment time and conditions of accounts receivable. Once the predetermined time and conditions are triggered, the smart contract can automatically send settlement and payment instructions to the bank system account to complete the payment collection step. When the buyer is at risk of default at the end of the accounts receivable period, through the preset conditions of the smart contract, the system can issue an alarm warning in a timely manner, and the bank can collect from the buyer company in a timely manner. If the buyer does not repay, a blacklist will be established for it, which will also facilitate claims from the insurance company. With the support of smart contracts, financing efficiency can be improved and the credit risk that the bank needs to bear is greatly reduced.

[0184] This application is based on the blockchain's evidence storage technology. Through the algorithm, it can traverse and verify the data at all levels in the transaction network, where the data at all levels include: data intercepted by the computer system of each node, the operation site, the social credit system (taxation, power department, etc.), and the node data obtained by the middleware, hardware (such as GPS, RFID, etc.). The verification methods include: 1. Traversing the transaction node data on the chain to verify the rationality of the transaction data on the chain; 2. Traversing the data in the transaction network to verify the logical rationality of the data; 3. Traversing the data of the time series relationship to verify the logical rationality of the data. Through the above three-fold data cross-verification, a transaction proof system from point to line and then to the network is formed, which can comprehensively verify the authenticity of the transaction and ultimately obtain a highly credible calculation credit result.

[0185] This application uses a computing programming language to preset a program, which automatically runs when triggered by certain external or internal conditions. Only when the preset conditions are met will the next operation be executed, ensuring that the machine automatically executes the predetermined smart contract calculation under certain conditions. Once the rules are fixed, they cannot be tampered with, thereby ensuring the standardization of business documents and the correctness of insurance operations. Blockchain technology can improve the verification efficiency of banks, reduce bank risks, standardize the operating procedures of manufacturing enterprise nodes, improve the efficiency of financing business, and standardize business processes.

[0186] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0187] If the functions described in the method of this embodiment are implemented in the form of software functional units and sold or used as independent products, they can be stored in one or more computing devices readable storage media. Based on this understanding, the part of the embodiment of the present application that contributes to the prior art or the part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions to enable a computing device (which can be a personal computer, server, mobile computing device or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program code.

[0188] 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 domestic trade credit insurance financing method based on blockchain, characterized in that: Includes steps: S1. The seller node deploys the domestic trade contract on the blockchain according to the negotiation with the buyer node and records it on the blockchain after being signed and confirmed by both parties; S2. The insurance company node signs and confirms the insurance application signed by the seller node based on the credit assessment report of the seller node generated by the Oracle node, and then notifies the seller node. After receiving the insurance fee from the seller node, the insurance company node deploys the insurance policy on the blockchain and uploads it to the blockchain after being signed and confirmed by the insurance company node and the seller node. S3. The third-party logistics node sends the goods and issues a transport bill on the blockchain according to the freight contract signed and put on the blockchain with the seller node. After the buyer node receives the goods and verifies that it is correct according to the transport bill, the accounts receivable debt certificate is deployed on the blockchain and signed and confirmed by the buyer node and the seller node. S4. After receiving the financing application from the seller node, the bank node deploys the factoring agreement on the blockchain based on the credit assessment report on the seller node generated by the Oracle node and jointly signs with the seller node to confirm the chain; S5. The bank node deploys the accounts receivable debt transfer agreement on the blockchain, and the bank node, seller node, and buyer node sign and confirm in sequence before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, seller node, and insurance company node sign and confirm in sequence before recording on the chain. S6. The bank node issues a financing advance to the seller node and uploads the transfer record to the chain. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain. S7. When the accounts receivable are due, after receiving all the payment transferred by the buyer node, the bank node will pay the remaining payment to the seller node and upload the transfer record to the chain; if the sales revenue of the buyer node is not enough to repay all the accounts payable and the buyer node chooses to default, the bank node will update the credit assessment report of the buyer node and upload it to the chain. At the same time, the bank node will claim compensation from the insurance company node and upload the relevant documents to the chain. The specific steps include: S71. When the accounts receivable are due, the buyer node pays the accounts payable to the bank node's dedicated collection account and uploads the buyer node's transfer record to the chain through the Oracle node; S72. After the bank node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain; S73. After receiving all the payment, the bank node pays the remaining payment to the seller node, and the Oracle node uploads the bank node's transfer record to the chain; S74. After receiving the remaining payment, the seller node signs and confirms the transfer record and records it on the chain; S75. If the sales revenue of the buyer node is insufficient to repay all accounts payable and the buyer node chooses to default, the bank node will record its default on the chain and update its credit assessment report through the Oracle node; S76. The bank node claims compensation from the insurance company node, the insurance company node pays the bank the amount of loss, and the Oracle node uploads the transfer record of the insurance company node to the chain; S77. After receiving the payment, the bank node signs and confirms the transfer record and records it on the chain.

2. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S1 specifically includes the following steps: S11. The seller node deploys the domestic trade contract on the blockchain after negotiation with the buyer node, notifies the buyer node after signature confirmation, and records it on the chain; S12. The buyer’s node checks the contents of the trade contract and signs to confirm, and records it on the chain.

3. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S2 specifically includes the following steps: S21. After the seller node prepares the goods, it applies to the insurance company for insurance, issues the corresponding insurance application form, and records it on the chain; After receiving the insurance application from the seller node, the S22 insurance company node deploys the credit assessment application on the blockchain and applies to the Oracle node to investigate the seller node's off-chain cargo data; S23. After receiving the credit assessment application from the insurance company, generate a credit assessment report on the seller's node by investigating the Oracle node, sign and confirm, record it on the chain, and notify the insurance company node; S24. The insurance company node signs and confirms the insurance application form and notifies the seller node; S25. The seller node pays the insurance fee to the insurance company node, and uploads the seller node's transfer record to the chain through the Oracle node; S26. After the insurance company node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain; S27. After receiving the insurance premium from the seller node, the insurance company node deploys the insurance policy on the blockchain. After issuing the insurance policy, it sends a notification to the seller node and records it on the chain. S28. The seller’s node confirms that the policy content is correct and signs it, and records it on the chain.

4. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S3 specifically includes: S31. After the goods are prepared, the seller node and the third-party logistics node negotiate and start to deploy the freight contract on the blockchain, entrusting the third-party logistics node to deliver the goods to the buyer's node and record it on the chain; S32. The third-party logistics node confirms that the freight contract is correct and signs it, and records it on the chain; S33. After the third-party logistics node ships the goods, it deploys and issues the transport bill on the blockchain, then sends a notification to the buyer’s node and records it on the chain; S34. After receiving the goods, the buyer node will check and compare the details of the goods with the contents of the transport bill, sign it after confirming that the contents of the transport bill are correct, and record it on the chain; S35. After receiving the goods, the buyer's node deploys and issues the accounts receivable debt certificate on the blockchain, then notifies the seller's node and records it on the chain; S36. After receiving the notification, the seller confirms that the content of the accounts receivable debt certificate is consistent with the content of the previously signed trade contract, signs to confirm and records it on the chain.

5. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S4 specifically comprises the following steps: S41. After receiving the insurance policy and accounts receivable debt certificate, the seller node deploys the domestic trade financing application on the blockchain, records it on the chain after signature confirmation, and notifies the bank node; S42. After receiving the financing application from the seller node, the bank node examines the authenticity of the trade background between the buyer and the seller through the trade contract, freight contract, transport bill, transfer record, and accounts receivable debt certificate on the chain; S43. The bank node deploys the credit assessment application on the blockchain and applies to the Oracle node to investigate other credit data of the seller node off-chain; S44. After receiving the credit assessment application from the bank, generate a credit assessment report on the seller's node by investigating the Oracle node, record it on the chain after signature confirmation, and notify the bank node; S45. After the bank node receives the credit assessment report on the seller node from the Oracle node, it agrees to the financing application of the seller node. The bank deploys the factoring agreement on the blockchain and signs and confirms it, notifies the seller node, and records it on the chain synchronously after completion; S46. After the seller node receives the factoring agreement from the bank node, it checks the contract content of the factoring agreement and signs it for confirmation and records it on the chain.

6. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S5 specifically includes the following steps: S51. After completing the factoring agreement, the bank node deploys the receivables debt transfer agreement on the blockchain, signs and confirms it, and notifies the seller node. After completion, the data is synchronously recorded on the chain; S52. After receiving the notification of the transfer agreement of accounts receivable claims, the seller node checks the contents of the transfer agreement of accounts receivable claims and signs it to confirm the transfer of accounts receivable claims, and notifies the buyer node. All data is recorded on the chain; S53. After receiving the notification from the seller's node, the buyer's node verifies the contents of the accounts receivable debt transfer agreement, signs and confirms the contents, and records it on the chain; S54. The bank node deploys the policy claim transfer agreement on the blockchain and signs and confirms it, then notifies the seller node and records it on the chain; S55. The seller node checks the content of the policy creditor's rights transfer agreement and signs it to confirm the transfer of the policy creditor's rights. Then it notifies the insurance company node and records it on the chain. S56. After the insurance company node receives the notification from the seller node, it checks and confirms that the content of the policy debt transfer agreement is correct, then signs and confirms the policy debt transfer agreement and records it on the chain.

7. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S6 specifically comprises the following steps: S61. After completing the transfer of accounts receivable and insurance policies, the bank node issues a financing advance to the seller node and uploads the bank node's transfer record to the chain through the Oracle node; S62. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain.

8. The domestic trade credit insurance financing method based on blockchain according to claim 1 is characterized in that: The step S76 specifically includes the following steps: S761. Unless otherwise agreed in the insurance contract, the bank node shall submit the "Possible Loss Notice" to the insurance company node after the credit risk specified in the insurance contract occurs; S762. When credit risk occurs, the bank node actively takes risk prevention and control measures under the guidance of the insurance company node to minimize losses; S763. While actively mitigating losses, the bank node signs the "Agency Agreement" in both Chinese and English and provides relevant documents to authorize the insurance company node to intervene in the investigation and recovery, so that the insurance company node can find out the cause of the loss as soon as possible and make damage assessment and compensation in a timely manner; S764. After the insurance loss amount is determined, the bank node formally submits a claim application to the insurance company node; S765. After the insurance company node accepts the claim application from the bank node, it shall make a comprehensive assessment of the insurance liability and make a compensation decision based on the investigation and review results and the performance of the bank node’s insurance policy; S766. After the insurance company node pays the compensation, the bank node will transfer the rights and interests involved in the compensation to the insurance company node, and at the same time assist the insurance company node in continuing to pursue compensation from the buyer node.

9. A domestic trade credit insurance financing device based on blockchain, characterized in that: include: The trade contract signing module is used for the seller's node to deploy the domestic trade contract on the blockchain according to the negotiation with the buyer's node and record it on the chain after being signed and confirmed by both parties; The cargo insurance module is used for the insurance company node to sign and confirm the insurance application signed by the seller node based on the credit assessment report of the seller node generated by the Oracle node, and then notify the seller node. After receiving the insurance fee from the seller node, the insurance company node deploys the insurance policy on the blockchain and the insurance company node and the seller node sign and confirm before putting it on the chain; The shipping and accounts receivable formation module is used for the third-party logistics node to send out the goods and issue the transport bill on the chain according to the freight contract signed and put on the chain with the seller node. After the buyer node receives the goods and verifies that it is correct according to the transport bill, the accounts receivable debt certificate is deployed on the blockchain and signed and confirmed by the buyer node and the seller node. Financing application module: after the bank node receives the financing application from the seller node, it deploys the factoring agreement on the blockchain according to the credit assessment report on the seller node generated by the Oracle node and jointly signs with the seller node to confirm the chain; The account receivable and insurance policy transfer module is used for the bank node to deploy the account receivable debt transfer agreement on the blockchain, and the bank node, seller node, and buyer node sign and confirm in sequence before recording on the chain. Then the bank node deploys the insurance policy debt transfer agreement on the blockchain, and the bank node, seller node, and insurance company node sign and confirm in sequence before recording on the chain. Financing advance payment issuance module, which is used by the bank node to issue financing advance payments to the seller node and upload the transfer record to the chain. After the seller node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain; The repayment settlement module is used when the accounts receivable are due. After receiving all the payment transferred by the buyer node, the bank node will pay the remaining payment to the seller node and upload the transfer record to the chain. If the sales revenue of the buyer node is not enough to repay all the accounts payable and the buyer node chooses to default, the bank node will update the credit assessment report of the buyer node and upload it to the chain. At the same time, the bank node will claim compensation from the insurance company node and upload the relevant documents to the chain. It is specifically used for: When the accounts receivable are due, the buyer's node pays the accounts payable to the bank node's dedicated collection account and uploads the buyer's node's transfer record to the chain through the Oracle node; After the bank node confirms receipt of the payment, it signs and confirms the transfer record and records it on the chain; After receiving all the payment, the bank node pays the remaining amount to the seller node, and the Oracle node uploads the bank node's transfer record to the chain; After receiving the remaining payment, the seller's node signs and confirms the transfer record and records it on the chain; If the sales revenue of the buyer's node is not enough to repay all accounts payable and the buyer's node chooses to default, the bank node will record its default on the chain and update its credit assessment report through the Oracle node; The bank node claims compensation from the insurance company node, the insurance company node pays the bank the amount of loss, and the Oracle node uploads the insurance company node's transfer record to the chain; After receiving the payment, the bank node signs and confirms the transfer record and records it on the chain.

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