System and method for payment and settlement based on block chain

Abstract

The invention discloses a system and a method for payment and settlement based on a block chain. The system comprises a capital node, a management node, a supplier node and a purchaser node. The fund party, the supplier and the purchaser send the identity credentials to the management node for authentication, and the management node performs offline authentication on the identity credentials and incorporates the authenticated fund party, supplier and / or purchaser into the alliance block chain to become the capital party node, supplier node and / or purchaser node in the alliance block chain; complete data of the alliance block chain data layer is retained in the management node; the purchaser node purchases goods from the supplier node through the alliance block chain, pledges a goods warehouse receipt to the qualification node, encrypts pledge information and broadcasts the pledge information to the alliance block chain, and the qualification node pays goods to the supplier according to a purchaser request online, encrypts a payment voucher and broadcasts the payment voucher to the alliance block chain; and the purchaser node returns the fund to the capital node according to the instruction of the management node and redeems the cargo warehouse receipt.

Description

Technical Field

[0001] The present invention relates to the field of payment using blockchain technology, and in particular to a system and method for payment settlement based on blockchain. Background Art

[0002] Blockchain is a recording technology that is different from the traditional centralized accounting method. The nodes participating in the blockchain system may not belong to the same organization and do not need to trust each other. The blockchain data is maintained by all nodes, and each node participating in the maintenance can obtain a copy of the complete record. Compared with traditional accounting technology, its characteristics include: maintaining a growing chain, only adding records, and the records that have occurred cannot be tampered with; consensus can be reached without centralized control, etc.

[0003] In the existing technology, platform-based transactions are usually centered on the platform, and various entities complete various transaction activities on the platform. Due to the inherent risks of the Internet, important economic activities such as bulk transactions and large-value transactions are difficult to complete online. They require a large number of offline procedures and paper documents, which are long, inefficient, and costly. They also cause suppliers to extend their inventory cycles and buyers to extend their loan terms. Some platform-based financing and settlement technologies are basically small-value financing. Some banks have their own online financing platforms, but they only conduct limited financing business for their own customers. Summary of the invention

[0004] In order to solve at least one of the above problems, the present invention provides a system and method for payment settlement based on blockchain.

[0005] The system for payment and settlement based on blockchain provided by the present invention comprises an investor node, a management node, a supplier node and a purchaser node; the investor, the supplier and the purchaser send their identity credentials to the management node for authentication, the management node authenticates the identity credentials offline, and incorporates the authenticated investor, the supplier and / or the purchaser into the alliance blockchain to become an investor node, a supplier node and / or a purchaser node in the alliance blockchain; the management node retains complete data of the alliance blockchain data layer; after the purchaser node purchases goods from the supplier node through the alliance blockchain, the goods warehouse receipt is pledged to the investor node, and the pledge information is encrypted and broadcast to the alliance blockchain, the investor node pays the goods to the supplier offline according to the purchaser's request, and the payment certificate is encrypted and broadcast to the alliance blockchain; the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node.

[0006] By adopting the above technical solution and introducing the funding party node in the alliance blockchain, fast and reliable online financing for bulk product transactions can be achieved, the transaction links of traditional bulk commodity trade can be simplified, the trade efficiency can be greatly improved, the transaction cycle and fund account period can be greatly reduced, and a lot of capital cost and storage cost can be saved for the purchaser and supplier. A management node is set up in the alliance blockchain to conduct special identity review and authentication for the funding party, supplier and purchaser nodes. The management node authenticates the identity certificate offline, which can maximize the transaction and fund security of the alliance chain, prevent fraud based on Internet technology, enhance the credibility of each node of the alliance chain, greatly reduce the transaction mutual trust cost of each node, and improve the transaction efficiency of each link. The management node retains the complete alliance blockchain data layer data, which can make the identity information and transaction information of the entire alliance blockchain permanently stored for judicial or administrative procedures, so that transactions based on the alliance blockchain have the feasibility of being recognized through judicial or administrative channels. The investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain, which can realize direct payment between the investor node and the counterparty account, with better privacy and security, and retains the payment evidence directly acceptable to the judicial process, making the financing behavior more secure. The payment voucher is broadcast to the alliance blockchain, so that the payment behavior can be directly recognized by the smart contract and rely on it to realize the subsequent smart contract. The pledge of the goods warehouse receipt to the investor node, the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node, provides the investor node with reliable financing guarantees and flexible funds collection methods, improves the enthusiasm of the investor node, and further attracts more capital nodes to join the alliance chain, thereby reducing financing costs and financing cycles.

[0007] Preferably, the investor node grants credit to the purchaser node and broadcasts the credit certificate in plain text to the alliance blockchain; the investor node only pays for the purchase behavior of the trusted purchaser node within the credit limit.

[0008] Preferably, it also includes a consumer-end node. When the purchasing party node fails to comply with the management node's order to return the funds, the smart contract is automatically executed to transfer the ownership of the goods pledged by the purchasing party to the management node. The management node transfers the ownership of the goods to the consumer-end node based on the smart contract execution result and the warehouse receipt of the pledged goods.

[0009] By adopting the above technical solution, legally effective and fast online property rights delivery can be achieved through blockchain technology, thereby ensuring that all parties comply with the contract to the greatest extent possible.

[0010] Preferably, the consumer-end node is a third-party sales platform.

[0011] By adopting the above-mentioned technical solution and linking the consumer-end nodes to the third-party sales platform, it is possible to digest inventory to the maximum extent, quickly convert bulk goods into cash, and recover funds as soon as possible, thereby minimizing the losses caused by breach of contract for all parties.

[0012] Preferably, when the management node issues a fund return instruction to the purchasing node, the purchasing node must be given an execution period.

[0013] Preferably, the investor is a bank and the management node is a trading platform.

[0014] The present invention also provides a method for payment settlement based on blockchain, including an investor node, a management node, a supplier node and a purchaser node; including: step 102, the funder, the supplier and the purchaser send their identity credentials to the management node for authentication; step 104, the management node performs offline authentication on the identity credentials, and incorporates the authenticated funder, the supplier and / or the purchaser into the alliance blockchain to become an investor node, a supplier node and / or a purchaser node in the alliance blockchain; step 106, the purchaser node purchases goods from the supplier node through the alliance blockchain; step 108, the purchaser pledges the goods warehouse receipt to the funder node, and encrypts the pledge information and broadcasts it to the alliance blockchain;

[0015] In step 110, the investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain; in step 112, the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node; in step 114, the management node retains the complete data of the alliance blockchain data layer.

[0016] By adopting the above technical solution and introducing the funding party node in the alliance blockchain, fast and reliable online financing for bulk product transactions can be achieved, the transaction links of traditional bulk commodity trade can be simplified, the trade efficiency can be greatly improved, the transaction cycle and fund account period can be greatly reduced, and a lot of capital cost and storage cost can be saved for the purchaser and supplier. A management node is set up in the alliance blockchain to conduct special identity review and authentication for the funding party, supplier and purchaser nodes. The management node authenticates the identity certificate offline, which can maximize the transaction and fund security of the alliance chain, prevent fraud based on Internet technology, enhance the credibility of each node of the alliance chain, greatly reduce the transaction mutual trust cost of each node, and improve the transaction efficiency of each link. The management node retains the complete alliance blockchain data layer data, which can make the identity information and transaction information of the entire alliance blockchain permanently stored for judicial or administrative procedures, so that transactions based on the alliance blockchain have the feasibility of being recognized through judicial or administrative channels. The investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain, which can realize direct payment between the investor node and the counterparty account, with better privacy and security, and retains the payment evidence directly acceptable to the judicial process, making the financing behavior more secure. The payment voucher is broadcast to the alliance blockchain, so that the payment behavior can be directly recognized by the smart contract and rely on it to realize the subsequent smart contract. The pledge of the goods warehouse receipt to the investor node, the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node, provides the investor node with reliable financing guarantees and flexible funds collection methods, improves the enthusiasm of the investor node, and further attracts more capital nodes to join the alliance chain, thereby reducing financing costs and financing cycles.

[0017] Preferably, the method further includes: step 116, the investor node grants credit to the purchaser node, and broadcasts the credit certificate in plain text to the alliance blockchain, and the investor node only pays for the purchase behavior of the trusted purchaser node within the credit limit.

[0018] Preferably, the alliance blockchain also includes a consumer-end node, and the method also includes: step 118, when the purchaser node fails to comply with the management node to return the funds, the smart contract is automatically executed to transfer the ownership of the goods pledged by the purchaser to the management node; step 120, the management node transfers the ownership of the goods to the consumer-end node based on the execution result of the smart contract and the warehouse receipt of the pledged goods.

[0019] By adopting the above technical solution, legally effective and fast online property rights delivery can be achieved through blockchain technology, thereby ensuring that all parties comply with the contract to the greatest extent possible.

[0020] Preferably, when the management node issues a fund return instruction to the purchasing node, the purchasing node must be given an execution period.

[0021] In summary, the system and method for payment settlement based on blockchain provided by the present invention introduces the funding party node in the alliance blockchain, which can realize fast and reliable online financing for bulk product transactions, simplify the transaction links of traditional bulk commodity trade, greatly improve trade efficiency, greatly reduce the transaction cycle and funding account period, and save a lot of capital cost and storage cost for the purchaser and supplier. A management node is set in the alliance blockchain to conduct special identity review and authentication for the funding party, supplier and purchaser nodes. The management node authenticates the identity certificate offline, which can maximize the transaction and fund security of the alliance chain, prevent fraud based on Internet technology, enhance the credibility of each node of the alliance chain, greatly reduce the transaction mutual trust cost of each node, and improve the transaction efficiency of each link. The management node retains the complete alliance blockchain data layer data, which can make the identity information and transaction information of the entire alliance blockchain permanently stored for judicial or administrative procedures, so that transactions based on the alliance blockchain have the feasibility of being recognized through judicial or administrative channels. The investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain, which can realize direct payment between the investor node and the counterparty account, with better privacy and security, and retains the payment evidence directly acceptable to the judicial procedure, making the financing behavior more secure. Broadcasting the payment voucher to the alliance blockchain can make the payment behavior directly recognized by the smart contract and rely on it to realize the subsequent smart contract. The pledge of the goods warehouse receipt to the investor node, the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node, provides the investor node with reliable financing guarantee and flexible funds collection method, improves the enthusiasm of the investor node, and further attracts more capital nodes to join the alliance chain, thereby reducing the financing cost and financing cycle. The blockchain technology can realize legally effective and fast online property rights delivery, and maximize the guarantee of compliance with the contract by all parties. Linking the consumer node to the third-party sales platform can maximize the digestion of inventory, quickly realize the cash of bulk goods, and realize the recovery of funds as soon as possible, thereby minimizing the default losses of all parties. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0023] Figure 1 It is a flowchart of an embodiment of the method for payment settlement based on blockchain of the present invention. DETAILED DESCRIPTION

[0024] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0025] In one embodiment, the system for payment and settlement based on blockchain provided by the present invention includes an investor node, a management node, a supplier node and a purchaser node; the funder, the supplier and the purchaser send their identity credentials to the management node for authentication, the management node authenticates the identity credentials offline, and incorporates the authenticated funder, the supplier and / or the purchaser into the alliance blockchain to become the investor node, the supplier node and / or the purchaser node in the alliance blockchain; the management node retains the complete data of the alliance blockchain data layer; after the purchaser node purchases goods from the supplier node through the alliance blockchain, it pledges the goods warehouse receipt to the investor node, encrypts the pledge information and broadcasts it to the alliance blockchain, the investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain; the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node. In a specific application scenario, the transaction in the embodiment is generally a bulk commodity trade. The investor node can be various entities with financing qualifications. The management node can be an authoritative organization with high credibility or an organization or individual recognized by each node. In a specific embodiment, the management node is a large-scale transaction and financing platform. In a specific embodiment, the storage node can also be introduced into the alliance blockchain.

[0026] By adopting the above technical solution and introducing the funding party node in the alliance blockchain, it is possible to realize fast and reliable online financing for bulk product transactions, simplify the transaction links of traditional bulk commodity trade, greatly improve trade efficiency, greatly reduce the transaction cycle and fund account period, and save a lot of capital cost and storage cost for purchasers and suppliers. Setting up management nodes in the alliance blockchain to conduct special identity review and authentication for the funding party, supplier and purchaser nodes, and the management node to authenticate the identity credentials offline can maximize the security of transactions and funds in the alliance chain, prevent fraud based on Internet technology, enhance the credibility of each node in the alliance chain, greatly reduce the transaction mutual trust cost of each node, and improve the transaction efficiency of each link. The data of the complete alliance blockchain data layer retained in the management node can make the identity information and transaction information of the entire alliance blockchain permanently stored for verification in judicial or administrative procedures, so that transactions based on the alliance blockchain have the feasibility of being recognized through judicial or administrative channels. The capital node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain, which can realize direct payment between the capital node and the counterparty account, with better privacy and security, and retains the payment evidence directly acceptable to the judicial procedure, making the financing behavior more secure. Broadcasting the payment voucher to the alliance blockchain can make the payment behavior directly recognized by the smart contract and rely on it to realize the subsequent smart contract. Pledge the warehouse receipt of goods to the capital node, and the purchaser node returns the funds to the capital node and redeems the warehouse receipt of goods according to the instructions of the management node, which provides the capital node with reliable financing guarantees and flexible ways to collect funds, improves the enthusiasm of the capital node, and further attracts more capital nodes to join the alliance chain, thereby reducing financing costs and financing cycles. Introducing the storage node into the alliance blockchain can enable the purchaser node and the capital node to understand the storage status and property rights status of the transaction goods more specifically, and also facilitate the implementation of the subsequent smart contract for property rights delivery.

[0027] As a preferred embodiment, the investor node grants credit to the purchaser node and broadcasts the credit certificate in plain text to the alliance blockchain; the investor node only pays for the purchase behavior of the trusted purchaser node within the credit limit. As a case of the embodiment, the investor node can also provide credit to the supply node based on the warehouse receipt pledge, so that the supply node can quickly realize the transaction goods or obtain phased working capital during the transaction waiting process.

[0028] As a preferred embodiment, it also includes a consumer-end node. When the purchaser node fails to comply with the management node to return the funds, the smart contract is automatically executed and the ownership of the goods pledged by the purchaser is transferred to the management node. The management node transfers the ownership of the goods to the consumer-end node based on the execution result of the smart contract and the warehouse receipt of the pledged goods. After obtaining the property rights listed in the warehouse receipt of the goods, the consumer-end node must pay the corresponding funds to the investor node or the management node. It can also be that the consumer-end node adopts a consignment sales model, and pays the corresponding funds to the investor node or the management node after it realizes the goods. The specific execution method can be that the consumer-end node and the investor node directly formulate an encrypted smart contract in the alliance blockchain, or it can be carried out by the management node as an intermediary or on behalf of a certain party.

[0029] By adopting the above technical solution, legally effective and fast online property rights delivery can be achieved through blockchain technology, thereby ensuring that all parties comply with the contract to the greatest extent possible.

[0030] As a preferred embodiment, the consumer-end node is a third-party sales platform.

[0031] By adopting the above-mentioned technical solution and linking the consumer-end nodes to the third-party sales platform, it is possible to digest inventory to the maximum extent, quickly convert bulk goods into cash, and recover funds as soon as possible, thereby minimizing the losses caused by breach of contract for all parties.

[0032] As a preferred embodiment, when the management node issues a fund return instruction to the purchasing node, the purchasing node must be given a period of execution.

[0033] As a preferred embodiment, the investor is a bank and the management node is a trading platform.

[0034] Figure 1 This is a flow chart of an embodiment of the method for payment settlement based on blockchain of the present invention. Figure 1As shown, the present invention also provides a method for payment settlement based on blockchain, including an investor node, a management node, a supplier node and a purchaser node; including: step 102, the funder, the supplier and the purchaser send the identity certificate to the management node for authentication; step 104, the management node authenticates the identity certificate offline, and incorporates the authenticated funder, the supplier and / or the purchaser into the alliance blockchain to become the investor node, the supplier node and / or the purchaser node in the alliance blockchain; step 106, the purchaser node purchases goods from the supplier node through the alliance blockchain; step 108, the purchaser pledges the goods warehouse receipt to the investor node, and encrypts the pledge information and broadcasts it to the alliance blockchain; step 110, the investor node pays the supplier offline according to the purchaser's request, and encrypts the payment certificate and broadcasts it to the alliance blockchain; step 112, the purchaser node returns the funds to the investor node and redeems the goods warehouse receipt according to the instructions of the management node; step 114, the management node retains the complete data of the alliance blockchain data layer. Among them, step 114 is interspersed in each step to ensure real-time storage and update of data.

[0035] By adopting the above technical solution and introducing the funding party node in the alliance blockchain, it is possible to realize fast and reliable online financing for bulk product transactions, simplify the transaction links of traditional bulk commodity trade, greatly improve trade efficiency, greatly reduce the transaction cycle and fund account period, and save a lot of capital cost and storage cost for purchasers and suppliers. Setting up management nodes in the alliance blockchain to conduct special identity review and authentication for the funding party, supplier and purchaser nodes, and the management node to authenticate the identity credentials offline can maximize the security of transactions and funds in the alliance chain, prevent fraud based on Internet technology, enhance the credibility of each node in the alliance chain, greatly reduce the transaction mutual trust cost of each node, and improve the transaction efficiency of each link. The data of the complete alliance blockchain data layer retained in the management node can make the identity information and transaction information of the entire alliance blockchain permanently stored for verification in judicial or administrative procedures, so that transactions based on the alliance blockchain have the feasibility of being recognized through judicial or administrative channels. The capital node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain, which can realize direct payment between the capital node and the counterparty account, with better privacy and security, and retains the payment evidence directly acceptable to the judicial process, making the financing behavior more secure. Broadcasting the payment voucher to the alliance blockchain can make the payment behavior directly recognized by the smart contract and rely on it to realize subsequent smart contracts. Pledge the warehouse receipt of goods to the capital node, and the purchaser node returns the funds to the capital node and redeems the warehouse receipt of goods according to the instructions of the management node, which provides the capital node with reliable financing guarantees and flexible ways to collect funds, improves the enthusiasm of the capital node, and further attracts more capital nodes to join the alliance chain, thereby reducing financing costs and financing cycles.

[0036] As a preferred embodiment, the method also includes: step 116, the investor node grants credit to the purchaser node, and broadcasts the credit certificate in plain text to the alliance blockchain. The investor node only pays for the purchase behavior of the trusted purchaser node within the credit limit.

[0037] As a preferred embodiment, the alliance blockchain also includes a consumer-end node, and the method also includes: step 118, when the purchasing party node fails to comply with the management node to return the funds, the smart contract is automatically executed and the ownership of the goods pledged by the purchasing party is transferred to the management node; step 120, the management node transfers the ownership of the goods to the consumer-end node based on the execution result of the smart contract and the warehouse receipt of the pledged goods.

[0038] By adopting the above technical solution, legally effective and fast online property rights delivery can be achieved through blockchain technology, thereby ensuring that all parties comply with the contract to the greatest extent possible.

[0039] As a preferred embodiment, when the management node issues a fund return instruction to the purchasing node, the purchasing node must be given a period of execution.

[0040] In summary, the system and method for payment settlement based on blockchain provided by the present invention introduces the funding party node in the alliance blockchain, which can realize fast and reliable online financing for bulk product transactions, simplify the transaction links of traditional bulk commodity trade, greatly improve trade efficiency, greatly reduce the transaction cycle and funding account period, and save a lot of capital cost and storage cost for the purchaser and supplier. A management node is set in the alliance blockchain to conduct special identity review and authentication for the funding party, supplier and purchaser nodes. The management node authenticates the identity certificate offline, which can maximize the transaction and fund security of the alliance chain, prevent fraud based on Internet technology, enhance the credibility of each node of the alliance chain, greatly reduce the transaction mutual trust cost of each node, and improve the transaction efficiency of each link. The data of the complete alliance blockchain data layer retained in the management node can make the identity information and transaction information of the entire alliance blockchain permanently stored for judicial or administrative procedures, so that transactions based on the alliance blockchain have the feasibility of being recognized through judicial or administrative channels. The capital node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain, which can realize direct payment between the capital node and the counterparty account, with better privacy and security, and retains the payment evidence directly acceptable to the judicial procedure, making the financing behavior more secure. Broadcasting the payment voucher to the alliance blockchain can make the payment behavior directly recognized by the smart contract and rely on it to realize the subsequent smart contract. Pledge the warehouse receipt of goods to the capital node, and the purchaser node returns the funds to the capital node and redeems the warehouse receipt of goods according to the instructions of the management node, which provides the capital node with reliable financing guarantee and flexible fund collection methods, improves the enthusiasm of the capital node, and further attracts more capital nodes to join the alliance chain, thereby reducing the financing cost and financing cycle. The blockchain technology can realize the legally effective and fast online property rights delivery, and maximize the guarantee of compliance with the contract by all parties. Linking the consumer-end node to the third-party sales platform can maximize the digestion of inventory, quickly realize the cash of bulk goods, and realize fund recovery as soon as possible, thereby minimizing the default losses of all parties.

[0041] The above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention.

Claims

1. A payment settlement system based on blockchain, the system comprising an investor node, a management node, a supplier node and a purchaser node; The funder, supplier and purchaser send their identity credentials to the management node for authentication. The management node authenticates the identity credentials offline and incorporates the authenticated funder, supplier and / or purchaser into the alliance blockchain to become a funder node, supplier node and / or purchaser node in the alliance blockchain. The management node retains the complete data of the alliance blockchain data layer; After the purchaser node purchases goods from the supplier node through the alliance blockchain, the purchaser node pledges the goods warehouse receipt to the investor node, encrypts the pledge information and broadcasts it to the alliance blockchain. The investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain. The purchasing node returns the funds to the investing node and redeems the goods warehouse receipt according to the instructions of the management node.

2. The system for payment settlement based on blockchain according to claim 1, characterized in that: The investor node grants credit to the purchaser node and broadcasts the credit certificate in plain text to the alliance blockchain; the investor node only pays for the purchase behavior of the trusted purchaser node within the credit limit.

3. The system for payment settlement based on blockchain according to claim 1 or 2, characterized in that: It also includes a consumer-end node. When the purchasing party node fails to comply with the management node to return the funds, the smart contract is automatically executed to transfer the ownership of the goods pledged by the purchasing party to the management node. The management node transfers the ownership of the goods to the consumer-end node based on the execution result of the smart contract and the warehouse receipt of the pledged goods.

4. The system for payment settlement based on blockchain according to claim 3, characterized in that: The consumer-end node is a third-party sales platform.

5. The system for payment settlement based on blockchain according to claim 1, characterized in that: When the management node issues a fund return instruction to the purchasing node, the purchasing node must be given a period of execution.

6. The system for payment settlement based on blockchain according to claim 1, characterized in that: The investor is a bank and the management node is a trading platform.

7. A payment settlement method based on blockchain, comprising an investor node, a management node, a supplier node and a purchaser node; characterized in that: include: Step 102: The funder, supplier and purchaser send their identity credentials to the management node for authentication; Step 104, the management node authenticates the identity credentials offline, and incorporates the authenticated funder, supplier and / or purchaser into the alliance blockchain to become a funder node, supplier node and / or purchaser node in the alliance blockchain; Step 106, the purchasing node purchases goods from the supplier node through the alliance blockchain; Step 108: The purchaser pledges the warehouse receipt of the goods to the investor node, and encrypts the pledge information and broadcasts it to the alliance blockchain; Step 110, the investor node pays the supplier offline according to the purchaser's request, and encrypts the payment voucher and broadcasts it to the alliance blockchain; Step 112: the purchasing node returns the funds to the financing node and redeems the cargo warehouse receipt according to the instruction of the management node; Step 114, the management node retains the complete data of the alliance blockchain data layer.

8. The method for payment settlement based on blockchain according to claim 7, characterized in that: The method further comprises: In step 116, the investor node grants credit to the purchaser node and broadcasts the credit certificate in plain text to the alliance blockchain. The investor node only pays for the purchase behavior of the trusted purchaser node within the credit limit.

9. The method for payment settlement based on blockchain according to claim 7, characterized in that: The alliance blockchain also includes a consumer node, and the method further includes: Step 118: When the purchaser node fails to comply with the management node's request to return the funds, the smart contract is automatically executed to transfer the ownership of the goods pledged by the purchaser to the management node; Step 120: The management node transfers the ownership of the goods to the consumer node based on the smart contract execution result and the pledged goods warehouse receipt.

10. The method for payment settlement based on blockchain according to claim 7, characterized in that: When the management node issues a fund return instruction to the purchasing node, the purchasing node must be given a period of execution.

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