Multi-party transaction participation credit voucher information processing method and block chain system

Abstract

The invention provides a credit voucher information processing method for multi-party participation in a transaction and a block chain system. The method comprises the steps that a management end synchronizes participant information, delivery clause information and compensation clause information in an intelligent contract to issuing data; the buyer side generates first confirmation information according to the issuing information; the buyer bank end generates authorization confirmation information according to the issuing data and the buyer bank digital identity; the management end responds to the authorization confirmation information, generates an international credit card according to the issuing information and sends the international credit card to the seller bank end; the seller bank end generates second confirmation information according to the digital identity; the management end responds to the second confirmation information, the international credit certificate is linked in the block chain system, and a transaction process is started; and the management end obtains an accounting result from the logistics information according to the international credit certificate and sends the accounting result to the bank end of the buyer for checking and payment. According to the method, the consistency of the international credit certificate and the smart contract can be ensured, and the risk that credit certificate information is tampered is reduced.

Description

Technical Field

[0001] The present application relates to the field of blockchain, and in particular to a credit credential information processing method and blockchain system for transactions involving multiple parties. Background Art

[0002] International Letter of Credit (L / C) is a financial document issued by a bank, mainly used to provide payment guarantee for buyers and sellers in international trade. It is a payment commitment provided by the buyer (importer) to the seller (exporter) through its bank (issuing bank), ensuring that the buyer's bank will pay the corresponding amount after the seller submits all necessary documents in accordance with the terms of the letter of credit. This mechanism increases the security and reliability of transactions, which is particularly important for long-distance trade under different legal systems.

[0003] The specific process of international letters of credit includes: after the buyer and seller sign the contract, the buyer (importer) applies to the buyer's bank (called the issuing bank or the applicant bank), and the buyer's bank (issuing bank) issues a letter of credit based on the buyer's request and passes the letter of credit to the seller through the seller's bank (notifying bank). The seller prepares the goods according to the terms of the letter of credit and prepares all necessary documents as required, and submits the documents that meet the requirements of the letter of credit to the notifying bank or directly to the issuing bank. The issuing bank checks whether the submitted documents are consistent with the terms of the letter of credit. If everything is correct, the issuing bank will pay the seller or authorize other banks to pay. The information included in the international letter of credit and the document information in the transaction are all credit certificate information in the transaction.

[0004] In the prior art, international letters of credit are not attached to sales contracts. When reviewing documents, banks emphasize the certification of letters of credit and written forms, and do not base their decisions on the goods. If the documents are consistent, payment will be made unconditionally. During the transaction process, the above-mentioned various credit certificate information is at risk of being tampered with. Summary of the invention

[0005] The present application provides a credit credential information processing method and a blockchain system for multi-party transactions, so as to achieve the technical effect of improving the security of credit credential information during data transaction processing.

[0006] In a first aspect, the present application provides a credit credential information processing method for a multi-party transaction, which is used in a blockchain system for a multi-party transaction, wherein the blockchain system includes a buyer side, a seller side, a buyer's bank side, a seller's bank side, a logistics side, and a management side, and the method includes:

[0007] The management end receives the smart contract confirmed by the buyer end and the seller end, wherein the smart contract includes information about the participating parties, delivery terms and compensation terms;

[0008] The management end synchronizes the participant information, delivery terms information and compensation terms information to the letter of credit information, and sends the letter of credit information to the buyer end;

[0009] The buyer generates first confirmation information according to the letter of credit information and the buyer's digital identity, and sends the first confirmation information to the management end; wherein the first confirmation information is a message for indicating application for an international letter of credit;

[0010] The management end sends the letter of credit information to the buyer's bank end in response to the first confirmation information;

[0011] The buyer's bank generates confirmation authorization information based on the issuance documents and the buyer's bank digital identity, and sends the confirmation authorization information to the management end;

[0012] The management end generates the international letter of credit according to the issuance documents in response to the confirmation authorization information; and sends the international letter of credit to the seller's bank end; wherein the international letter of credit includes information about the participating parties, delivery terms and compensation terms;

[0013] The seller's bank generates second confirmation information according to the seller's bank digital identity, and sends the second confirmation information to the management end; the second confirmation information is used to indicate the message of approving the international letter of credit;

[0014] In response to the second confirmation information, the management end performs a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start a transaction process;

[0015] The logistics end sends a logistics message to the management end;

[0016] The management end calculates the logistics information according to the international letter of credit to obtain a calculation result, and sends the calculation result to the buyer's bank end;

[0017] The buyer's bank verifies and pays the calculation results.

[0018] In a possible design, the management end calculates the logistics information according to the international letter of credit to obtain a calculation result, including:

[0019] Acquire the product information of the cargo node from the logistics information, wherein the product information of the cargo node includes the quality of the goods, the quantity of the goods and the arrival time;

[0020] Determining whether the product information at the arrival node complies with the delivery terms information;

[0021] If there is product information that does not conform to the delivery terms information; obtain a compensation list according to the compensation terms information; wherein the compensation list includes one or more compensation items and the compensation sub-terms and the compensation amount corresponding to the compensation items; wherein the compensation terms information includes one or more compensation sub-terms, and the compensation sub-terms include compensation items, compensation triggering conditions of the compensation items and corresponding compensation amount acquisition functions;

[0022] The compensation list is determined as the calculation result.

[0023] In a possible design, the logistics information includes the goods information and IoT information of the transport nodes, wherein the transport nodes include the shipping nodes, the import nodes, the export nodes, the arrival nodes and the nodes included in the transport terms;

[0024] After the logistics end sends the logistics message to the management end, the method further includes:

[0025] The management end verifies the product information according to the product information and the IoT information of the transport node, and after the verification is passed, sends the product information of the arrival node to the buyer end for confirmation;

[0026] The buyer sends sixth confirmation information to the management end when confirming receipt of the product information of the arrival node;

[0027] In response to the sixth confirmation information, the management end uploads the product information of the arrival node to the blockchain system.

[0028] In one possible design, the IoT information includes digital tags, location information, and product information of goods acquired through the IoT;

[0029] The management end verifies the goods information according to the goods information and the Internet of Things information of the transportation node, including:

[0030] Verifying the digital tag through the digital identity of the goods to determine the authenticity of the goods;

[0031] Verifying whether the positioning information of the arrival time point of the transport node is the same as the arrival time of the transport node;

[0032] Determine whether the product information of the transport node is consistent with the product information in the Internet of Things;

[0033] If it is determined that the goods are authentic, the arrival time is the same, and the goods information is consistent, then the verification is determined to be successful.

[0034] In a possible design, before the management end receives the smart contract confirmed by the buyer end and the seller end, it also includes:

[0035] The buyer sends a preset smart contract template and first contract parameters to the seller; the first contract parameters include one or more of the participant information, delivery terms information and compensation terms information;

[0036] The seller sends a second contract parameter according to the preset smart contract template and the first contract parameter, and sends the preset smart contract template, the first contract parameter and the second contract parameter to the buyer; the second contract parameter includes one or more of the participant information, the delivery terms information and the compensation terms information;

[0037] The buyer sends a fourth confirmation message to the seller and the management end according to the preset smart contract template, the first contract parameters, the second contract parameters and the buyer's digital identity; sends the preset smart contract template, the first contract parameters and the second contract parameters to the management end;

[0038] The seller side sends fifth confirmation information to the buyer side and the management side according to the seller digital identity in response to the fourth confirmation information;

[0039] In response to the fourth confirmation information and the fifth confirmation information, the management end generates the smart contract according to the preset smart contract template, the first contract parameters and the second contract parameters, and performs a chain operation on the smart contract.

[0040] In a possible design, the management end generates the smart contract according to the preset smart contract template, the first contract parameters, and the second contract parameters in response to the fourth confirmation information and the fifth confirmation information, and before the smart contract is put on the chain, it also includes:

[0041] The management end performs digital identity authentication on the fourth confirmation information and the fifth confirmation information to confirm that the digital identities in the fourth confirmation information and the fifth confirmation information are correct.

[0042] In a possible design, before the management terminal responds to the confirmation authorization information, the method further includes:

[0043] The management end performs digital identity authentication on the first confirmation information and the confirmation authorization information respectively; and confirms that the digital identities in the first confirmation information and the confirmation authorization information are correct.

[0044] In a possible design, if it is confirmed that the digital identities in the first confirmation information and the confirmation authorization information are incorrect based on the digital identity authentication, a message indicating that the digital identity authentication failed is sent to the buyer and the buyer's bank.

[0045] In one possible design, the method further includes:

[0046] If the product information at the arrival node complies with the delivery terms information, the compensation amount is determined to be zero.

[0047] In the second aspect, a blockchain system for multi-party transactions includes: a buyer side, a seller side, a buyer's bank side, a seller's bank side, a logistics side, and a management side; wherein

[0048] The management end is used to receive the smart contract confirmed by the buyer and the seller, wherein the smart contract includes information about the participating parties, delivery terms and compensation terms;

[0049] The management end is used to synchronize the participant information, delivery terms information and compensation terms information to the letter of credit information, and send the letter of credit information to the buyer end;

[0050] The buyer end is used to generate first confirmation information according to the letter of credit information and the buyer's digital identity, and send the first confirmation information to the management end; wherein the first confirmation information is a message for indicating application for an international letter of credit;

[0051] The management end is used to send the letter of credit information to the buyer's bank end in response to the first confirmation information;

[0052] The buyer's bank terminal is used to generate confirmation authorization information according to the issuance documents and the buyer's bank digital identity, and send the confirmation authorization information to the management terminal;

[0053] The management end is used to generate the international letter of credit according to the issuance documents in response to the confirmation authorization information; and send the international letter of credit to the seller's bank end; wherein the international letter of credit includes information about the participating parties, delivery terms and compensation terms;

[0054] The seller's bank terminal is used to generate second confirmation information according to the seller's bank digital identity, and send the second confirmation information to the management terminal; the second confirmation information is used to indicate a message of approval of the international letter of credit;

[0055] The management end is used to respond to the second confirmation information and perform a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start a transaction process;

[0056] The logistics end is used to send logistics messages to the management end;

[0057] The management end is used to calculate the logistics information according to the international letter of credit to obtain a calculation result, and send the calculation result to the buyer's bank end;

[0058] The buyer's bank side is used to check and pay the calculation results.

[0059] The present application provides a credit certificate information processing method and blockchain system for multi-party transactions, which can avoid cross-system operations of different sub-processes, speed up the process, ensure the consistency of international letters of credit and smart contracts, and reduce the risk of credit certificate information being tampered with. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0061] Figure 1 A schematic diagram of the international letter of credit process in the prior art provided for this application;

[0062] Figure 2 A scenario diagram of a method for processing credit credential information in a transaction involving multiple parties provided in an embodiment of the present application;

[0063] Figure 3 A flow chart of a method for processing credit credential information in a multi-party transaction provided in an embodiment of the present application Figure 1 ;

[0064] Figure 4 A flow chart of a method for processing credit credential information in a multi-party transaction provided in an embodiment of the present application Figure 2 ;

[0065] Figure 5 A flow chart of a method for processing credit credential information in a multi-party transaction provided in an embodiment of the present application Figure 3 .

[0066] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0067] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0068] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0069] In addition, this application involves conducting big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and using artificial intelligence technology to make automated decisions, and making technical solutions that have a significant impact on personal rights and interests based on the results of automated decisions. The application provides users with corresponding operation entrances for them to choose to agree or reject the results of automated decisions; if the user chooses to reject, the expert decision-making process will be entered.

[0070] It should be noted that the credit credential information processing method and blockchain system for multi-party transactions provided in this application can be used in the blockchain field or in any field other than blockchain. The application fields of the credit credential information processing method and blockchain system for multi-party transactions in this application are not limited. First, the terms involved in this application are explained:

[0071] Blockchain technology: (block chain) is a decentralized distributed ledger that is tamper-proof, secure and reliable. It combines distributed storage, peer-to-peer transmission, consensus mechanism, cryptography and other technologies. It records transactions and information through a growing data block chain (Blocks) to ensure the security and transparency of data. Blockchain technology is decentralized, tamper-proof, transparent, secure and programmable. Each data block is linked to the previous block to form a continuous chain, which ensures the integrity of the transaction history. Smart contract technology makes blockchain programmable and supports a wider range of applications.

[0072] Digital identity: A new type of digital identity based on blockchain, which provides the creation, verification and management of entity distributed digital identities, provides independent identity identification for each participant, ensures the authenticity and efficiency of information flow, and solves the problems of cross-institutional identity authentication and data cooperation.

[0073] International Letter of Credit: In international trade, buyers and sellers may not trust each other. Buyers worry that after advance payment, sellers will not ship as required by the contract; sellers also worry that buyers will not pay after shipment or submission of shipping documents. Therefore, two banks are needed as guarantors for both buyers and sellers to collect payment and deliver documents on their behalf, replacing commercial credit with bank credit. The tool used by banks in this activity is letter of credit.

[0074] The letter of credit status information includes: letter of credit amount, issuance date, expiration date, place of consignment, importer, exporter, issuing bank and notifying bank; the document data related to the letter of credit includes: international trade-related bill of lading, packing list, commercial invoice, insurance policy, contract, bill of exchange, customer power of attorney, customs declaration, health certificate and certificate of origin.

[0075] Figure 1 The schematic diagram of the international letter of credit process in the prior art provided for this application is that in order to protect the rights and interests of both buyers and sellers in international trade, an international letter of credit settlement method has been created.

[0076] like Figure 1 As shown, in the prior art, the process includes: the buyer and seller negotiate on the goods, price, quantity, quality standards, shipping methods, etc., and sign a formal trade contract. The contract should clearly stipulate that a letter of credit is used as a means of payment. The buyer 120 contacts his own bank (the buyer's bank 120, i.e., the issuing bank), makes a request for opening a letter of credit according to the terms of the contract, and fills in the corresponding application form. The issuing bank will evaluate the buyer's credit status and check whether the application content complies with the regulations. After confirmation, the letter of credit is opened. The issuing bank issues a letter of credit in accordance with the buyer's requirements and the contract content, and lists in detail the seller's collection account, amount, validity period, payment method, shipping terms and other information. The notifying bank verifies the authenticity of the letter of credit and transfers it to the seller 110. After the seller confirms that the letter of credit is correct, the seller 110 arranges the production and shipment of the goods in accordance with the contract agreement, and prepares all necessary shipping documents (such as invoices, packing lists, bills of lading, etc.). The seller 110 submits the prepared documents together with the bill of exchange to the seller's bank 140 (i.e. the notifying bank), which is responsible for reviewing whether the documents meet the requirements of the letter of credit. If the documents are reviewed and approved, the negotiating bank will advance the payment to the seller in accordance with the provisions of the letter of credit. After the goods arrive, the issuing bank notifies the importer (buyer) to come and pay for the shipping documents. After the buyer pays the price, he receives a full set of shipping documents from the issuing bank and uses them to collect the goods from the carrier.

[0077] In the prior art, it is difficult to ensure the reliability of the entire process due to the large number of participants, complexity and time of the process. For example, when reviewing documents, banks overemphasize the certification of letters of credit and written forms, and easily ignore the review of the consistency between the letter of credit and the sale, resulting in importers maliciously not opening letters of credit in accordance with the contract, often changing the packaging method, modifying the latest shipping date, the amount of the letter of credit, etc.; the interests of the seller are difficult to protect.

[0078] The present application provides a credit certificate information processing method and blockchain system for multi-party transactions, which solves the technical problem that the rights and interests of the transaction parties are difficult to be guaranteed through the technical means of blockchain.

[0079] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0080] Figure 2 A scenario diagram of a credit certificate information processing method for a multi-party transaction provided in an embodiment of the present application; the method is used in a blockchain system for a multi-party transaction, and the system is used in an international trade process for a multi-party transaction, and the participants include a buyer end 210, a seller end 220, a buyer's bank end 240, a seller's bank end 230, a logistics end 240 and a management end 250.

[0081] Figure 3 A flow chart of a method for processing credit credential information in a multi-party transaction provided in an embodiment of the present application Figure 1 , the embodiment of the present application is used for the blockchain system in which multiple parties participate in the transaction, wherein the blockchain system includes a buyer side, a seller side, a buyer bank side, a seller bank side, a logistics side, and a management side, such as Figure 3 As shown, the method includes:

[0082] S301. The management end receives the smart contract confirmed by the buyer and the seller. The smart contract includes information about the participating parties, delivery terms, and compensation terms.

[0083] Specifically, smart contracts can be obtained through cross-chain sharing with the buyer and seller platforms, so that information can be exchanged between the seller and the seller to determine the smart contract in this system.

[0084] Specifically, the participant information includes buyer user information, seller user information, buyer's bank user information, seller's bank user information and logistics end user information.

[0085] Specifically, the delivery terms information is one or more of the delivery method, delivery time, delivery method, goods information, goods delivery requirements and transportation requirements determined by the buyer and the seller.

[0086] Specifically, the compensation terms information includes the scope of non-compliance with the delivery terms information and the corresponding compensation method corresponding to the delivery terms information.

[0087] S302. The management end synchronizes the information of the participating parties, the information of the delivery terms and the information of the compensation terms to the letter of credit information, and sends the letter of credit information to the buyer end.

[0088] Specifically, the information of the participating parties, delivery terms and compensation terms will be synchronized to the issuance documents. The information of the participating parties, delivery terms and compensation terms are unchangeable options.

[0089] S303. The buyer generates first confirmation information according to the letter of credit information and the buyer's digital identity, and sends the first confirmation information to the management end; wherein the first confirmation information is a message for indicating application for an international letter of credit.

[0090] Specifically, the letter of credit documents may also include other optional or modifiable options, and the buyer may modify and confirm the modifiable options in the letter of credit documents.

[0091] S304, the management end sends the letter of credit information to the buyer's bank end in response to the first confirmation information;

[0092] Specifically, the first confirmation information also includes a digital signature generated based on the buyer's digital identity, which is used to apply to the buyer's bank to instruct the opening of an international letter of credit.

[0093] S305. The buyer's bank generates confirmation authorization information based on the issuance documents and the buyer's bank digital identity, and sends the confirmation authorization information to the management end.

[0094] Specifically, the confirmation authorization information includes a digital signature, which is used to confirm the opening of an international letter of credit.

[0095] S306. The management end generates an international letter of credit based on the issuance documents in response to the confirmation of the authorization information, and sends the international letter of credit to the seller's bank end; wherein the international letter of credit includes information on the participating parties, delivery terms and compensation terms.

[0096] Specifically, an international letter of credit includes information on the parties involved, delivery terms and compensation terms, which serve as the basis for transaction accounting.

[0097] S307. The seller's bank generates second confirmation information based on the seller's bank digital identity and sends the second confirmation information to the management end; the second confirmation information is used to indicate the message of approval of the international letter of credit.

[0098] S308. In response to the second confirmation information, the management end performs a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start the transaction process.

[0099] Specifically, the information of international letters of credit and opening of transaction processes is broadcast to all participants.

[0100] S309: The logistics end sends a logistics message to the management end.

[0101] S310. The management end calculates the logistics information according to the international letter of credit to obtain the calculation result, and sends the calculation result to the buyer's bank.

[0102] Specifically, the management end can verify the authenticity of the logistics and the specific arrival information based on the logistics information, and calculate the arrival information based on the delivery terms information and compensation terms information.

[0103] S311. The buyer's bank verifies and pays the calculation results.

[0104] The method provided in the embodiment of the present application can avoid cross-system operations of different sub-processes, speed up the process advancement, ensure the consistency of international letters of credit and smart contracts, and reduce the risk of credit certificate information being tampered with.

[0105] Figure 4 A flow chart of a method for processing credit credential information in a multi-party transaction provided in an embodiment of the present application Figure 2 ; Figure 5 A flow chart of a method for processing credit credential information in a multi-party transaction provided in an embodiment of the present application Figure 3 , Figure 5 The method of the embodiment of the present application can be described more vividly. Figure 4 and Figure 5 As shown, the method includes:

[0106] S401. The management end determines the smart contract according to the preset smart contract template, the first contract parameter and the second contract parameter sent by the buyer end and the seller end.

[0107] Specifically, the step of S401 includes:

[0108] S4011. The buyer sends a preset smart contract template and the first contract parameters to the house buyer.

[0109] The first contract parameters include one or more of participant information, delivery terms information and compensation terms information.

[0110] Specifically, the delivery terms information includes the conditions for full delivery and the amount of full delivery; the conditions for full delivery include one or more of the delivery time requirements, delivery method requirements, goods information requirements, goods delivery requirements and transportation requirements determined by the buyer and seller.

[0111] Furthermore, the goods information includes the name, model, brand, specifications, etc. of the goods, which are used to indicate the entity of the goods.

[0112] Furthermore, the goods delivery requirements are the requirements for the goods upon arrival, including quality requirements and quantity requirements; quality requirements include color, shape, size, humidity, temperature, etc., and may also include one or more of the indicators obtained through testing.

[0113] Furthermore, the transportation requirements include one or more requirements on the shipment time limit, delivery time limit, place of shipment, customs clearance, destination, whether to ship in batches, the location of the port passed through, and intermediate shipment.

[0114] Furthermore, depending on the transaction regulations of both parties, the smart contract may also include document requirements, insurance requirements, inspection certificate requirements, etc.

[0115] Furthermore, the delivery method requirements include currency, payment method, etc.

[0116] Specifically, the compensation clause information includes one or more compensation sub-clauses, and each compensation sub-clause includes a corresponding compensation item, a compensation triggering condition and a corresponding compensation amount acquisition function.

[0117] The compensation triggering condition is the time limit value or range value in the delivery terms information that the delivery item does not meet the delivery requirements.

[0118] S4012. The seller sends the second contract parameters according to the preset smart contract template and the first contract parameters, and sends the preset smart contract template, the first contract parameters and the second contract parameters to the buyer; the second contract parameters include one or more of the participant information, delivery terms information and compensation terms information.

[0119] Specifically, the second contract parameters include one or more of the added items that do not belong to the first contract parameters and / or the modified items that belong to the first contract parameters.

[0120] Furthermore, the preset smart contract template and the first contract parameters can be sent to the buyer side through the management side. If the second contract parameters include modification items, a modification mark needs to be added when sent to the buyer side.

[0121] S4013. The buyer sends a fourth confirmation message to the seller and management side according to the preset smart contract template, the first contract parameter, the second contract parameter and the buyer's digital identity; and sends the preset smart contract template, the first contract parameter and the second contract parameter to the management side.

[0122] S4014. The seller side responds to the fourth confirmation information and sends a fifth confirmation information to the buyer side and the management side according to the seller's digital identity.

[0123] S4015. The management end generates a smart contract according to the preset smart contract template, the first contract parameters and the second contract parameters in response to the fourth confirmation information and the fifth confirmation information, and performs chain operations on the smart contract.

[0124] Specifically, step S401 determines the method of the smart contract based on the contract parameters sent by the buyer and the seller, which simplifies the transaction process, reduces disputes caused by differences in the interpretation of terms, and increases the transparency and immutability of the contract in the transaction.

[0125] Furthermore, the fourth confirmation information and the fifth confirmation information are digital signatures generated by the parameter parties based on their respective digital identities; before the response management end responds to the fourth confirmation information and the fifth confirmation information, the management end verifies the digital signature of the buyer side and the digital signature of the seller side according to the public key corresponding to the buyer side and the public key corresponding to the seller side, respectively, to confirm that the digital signatures are correct.

[0126] Specifically, the buyer, seller, seller's bank, buyer's bank, and logistics side generate a private key for digital identity based on their identity information when registering. When each participant needs to digitally sign, they digitally sign the corresponding behavior based on their private key; obtain the corresponding public key through the preset encryption algorithm based on their private key, and send the public key to the blockchain. Other participants can use the user's public key to verify the authenticity of the signature, which greatly enhances the security of the account, reduces the risk of unauthorized access, protects privacy, prevents fraud, and promotes safe transactions.

[0127] S402. The management end synchronizes the information of the participating parties, the information of the delivery terms and the information of the compensation terms with the letter of credit information, and sends the letter of credit information to the buyer end.

[0128] S403: The buyer generates first confirmation information based on the letter of credit information and the buyer's digital identity, and sends the first confirmation information to the management end; wherein the first confirmation information is a message for indicating application for an international letter of credit.

[0129] Specifically, the L / C opening documents also include invoice templates, L / C opening application forms, etc., which will open modification confirmation or permissions to the buyer, and require the buyer to fill in and confirm.

[0130] S404. The management end sends the letter of credit information to the buyer's bank end in response to the first confirmation information.

[0131] Furthermore, after the management end obtains the first confirmation information, the stocking node can be opened, and a message instructing the opening of the stocking node is sent to the seller end and the logistics end.

[0132] S405. The buyer's bank generates confirmation authorization information based on the issuance documents and the buyer's bank digital identity, and sends the confirmation authorization information to the management end.

[0133] S406. The management end generates an international letter of credit based on the issuance documents in response to the confirmation of the authorization information, and sends the international letter of credit to the seller's bank end; wherein the international letter of credit includes information on the participating parties, delivery terms and compensation terms.

[0134] Furthermore, before the management end responds to the confirmation authorization information, the management end performs digital identity authentication on the first confirmation information and the confirmation authorization information respectively; and confirms that the digital identities in the first confirmation information and the confirmation authorization information are correct.

[0135] Specifically, if it is confirmed that the digital identity in the first confirmation information and the confirmation authorization information is incorrect according to the digital identity authentication, a message indicating that the digital identity authentication fails is sent to the buyer and the buyer's bank.

[0136] Specifically, the first confirmation information used by the buyer for the application of the letter of credit and the authorization information of the buyer's bank include a digital signature generated according to its digital identity. The management party verifies the authenticity of the signature according to the public key of the user. When it is determined that the digital identity verification fails, a message indicating that the digital identity verification fails is returned. This reduces the need for manual intervention, reduces labor costs, and prevents identity leakage. This greatly enhances the security of accounts and improves transaction security.

[0137] S407. The seller's bank generates second confirmation information based on the seller's bank digital identity and sends the second confirmation information to the management end; the second confirmation information is used to indicate the message of approval of the international letter of credit.

[0138] S408. In response to the second confirmation information, the management end performs a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start the transaction process.

[0139] Specifically, the first confirmation information and the second confirmation information are digital signatures, and the chain operation needs to be performed after the signature is verified. This method is similar to the above-mentioned digital signature and its confirmation method, and will not be repeated here.

[0140] S409. The logistics end sends a logistics message to the management end; the logistics information includes the goods information and Internet of Things information of the transportation nodes, wherein the transportation nodes include the shipping nodes, import nodes, export nodes, arrival nodes and nodes included in the transportation terms, and the Internet of Things information includes the digital tags, positioning information and goods information of the goods obtained according to the Internet of Things.

[0141] Specifically, IoT information includes digital labels, positioning information, and product information of goods obtained based on IoT technology; specifically, transportation nodes include shipping nodes, import nodes, export nodes, arrival nodes, and necessary nodes specified by smart contracts; each node information includes item information filled in by auditors.

[0142] Specifically, transportation node information and IoT information are both on-chain information on the private chain of the logistics end, and data synchronization can be achieved through cross-chain sharing; logistics information also includes international trade-related bills of lading, packing lists, commercial invoices, insurance policies, contracts, bills of exchange, customer power of attorney, customs declarations, health certificates and certificates of origin, etc.

[0143] S410. The management end verifies the goods information according to the goods information of the transport node and the IoT information. After the verification is passed, the goods information of the arrival node is sent to the buyer for confirmation. After the buyer confirms, the goods information of the arrival node is uploaded to the blockchain system.

[0144] Specifically, the product information obtained by Internet of Things technology can detect environmental conditions and characteristics through sensors such as pressure / humidity / temperature / weight; color visual recognition can obtain information such as appearance, shape, and color.

[0145] Specifically, the methods for verifying product information include:

[0146] S4101. The management end verifies the goods information based on the goods information of the transportation node and the IoT information; after the verification is passed, the goods information of the arrival node is sent to the buyer for confirmation.

[0147] Specifically, the digital tag is verified through the digital identity of the goods to determine the authenticity of the goods; verify whether the positioning information of the arrival time point of the transportation node is the same as the arrival time of the transportation node; determine whether the goods information of the transportation node is consistent with the goods information in the Internet of Things; if it is determined that the goods are authentic, the arrival time is the same, and the goods information is consistent, then the verification is determined to be successful.

[0148] S4102. When the buyer confirms receipt of the product information at the arrival node, the buyer sends sixth confirmation information to the management end.

[0149] S4103. In response to the sixth confirmation information, the management end uploads the product information of the arrival node to the blockchain system.

[0150] Specifically, by combining the Internet of Things technology, logistics parameters can be put on the chain, and the management of logistics document review can be strengthened to ensure that the delivery of goods is carried out in accordance with the contract, avoid differences between the actual freight data and the shipping order data, and provide a basis for subsequent accountability and audit processes.

[0151] S411. The management end calculates the logistics information according to the international letter of credit to obtain the calculation results, and sends the calculation results to the buyer's bank.

[0152] Specifically, the goods information at the arrival node is obtained from the logistics information, wherein the goods information at the arrival node includes the goods quality, goods quantity and arrival time; whether the goods information at the arrival node complies with the delivery terms information; if there is goods information that does not comply with the delivery terms information; a compensation list is obtained according to the compensation terms information; wherein the compensation list includes one or more compensation items and the compensation sub-clauses and compensation amounts corresponding to the compensation items; wherein the compensation terms information includes one or more compensation sub-clauses, and the compensation sub-clauses include compensation items, compensation triggering conditions of the compensation items and corresponding compensation amount acquisition functions; the compensation list is determined as the accounting result.

[0153] Correspondingly, if it is determined that the goods information at the arrival node meets the delivery terms information, the compensation amount is determined to be zero, and the calculation result includes information indicating that the compensation amount is zero.

[0154] Specifically, the method for determining the amount of compensation provides that the information on the goods at the arrival node complies with the delivery terms and conditions; promotes close cooperation among all parties involved to ensure the continuity and integrity of the method process.

[0155] Specifically, this step is to calculate according to the delivery terms and compensation terms information in the international letter of credit and the smart contract, to ensure that the calculation method is synchronized with the smart contract and to protect the rights and interests of the transaction parties.

[0156] S412. The buyer's bank verifies and pays the calculation results.

[0157] Specifically, the buyer can also review the delivery terms and compensation terms.

[0158] The present invention provides a method for processing credit credential information in a multi-party transaction, which can achieve the following technical effects:

[0159] The whole data flow of the international letter of credit process is made certificate-based, emphasizing that the certificate on the chain is difficult to tamper with, is known by multiple parties, and has a high cost for breach of contract. This ensures the perseverance of both parties to the transaction and guarantees the credibility and success rate of international trade.

[0160] It is able to share necessary information across chains with the bank blockchain and the logistics blockchain, open permissions for different stakeholders, and while protecting user privacy, relevant stakeholders can track business progress, upgrade from the original serial business mechanism to parallel execution, arrange work reasonably, and shorten import and export cycles.

[0161] By combining the Internet of Things technology, logistics parameters can be put on the chain, and the management of logistics document review can be strengthened to ensure that the delivery of goods is carried out in accordance with the contract, avoid differences between the actual freight data and the delivery note data, and provide a basis for subsequent accountability and audit processes.

[0162] The credit credential information processing method provided in this application makes the entire transaction process traceable, increases the transparency of the system, helps to build trust, improves the security of data processing in transactions, and further protects the interests of both parties to the transaction.

[0163] The present application also provides a blockchain system for multi-party transactions, including: a buyer's end, a seller's end, a buyer's bank end, a seller's bank end, a logistics end, and a management end; wherein

[0164] The management side is used to receive the smart contract confirmed by the buyer and seller. The smart contract includes information about the participants, delivery terms and compensation terms.

[0165] The management end is used to synchronize the information of the participating parties, delivery terms and compensation terms with the letter of credit documents, and send the letter of credit documents to the buyer end.

[0166] The buyer's end is used to generate first confirmation information based on the issuance information and the buyer's digital identity, and send the first confirmation information to the management end; wherein the first confirmation information is a message used to indicate the application for an international letter of credit.

[0167] The management end is used to send the letter of credit information to the buyer's bank end in response to the first confirmation information.

[0168] The buyer's bank side is used to generate confirmation authorization information based on the issuance documents and the buyer's bank digital identity, and send the confirmation authorization information to the management side.

[0169] The management end is used to generate an international letter of credit based on the opening documents in response to the confirmation authorization information, and send the international letter of credit to the seller's bank end; wherein the international letter of credit includes information about the participating parties, delivery terms and compensation terms.

[0170] The seller's bank side is used to generate the second confirmation information according to the seller's bank digital identity and send the second confirmation information to the management side; the second confirmation information is used to indicate the message of approval of the international letter of credit.

[0171] The management end is used to respond to the second confirmation information and perform a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start the transaction process.

[0172] The logistics end is used to send logistics messages to the management end.

[0173] The management end is used to calculate the logistics information according to the international letter of credit, obtain the calculation results, and send the calculation results to the buyer's bank.

[0174] The buyer's bank side is used to check and pay the accounting results.

[0175] Furthermore, the management end is also used to obtain the goods information of the arrival node from the logistics information, wherein the goods information of the arrival node includes the quality of the goods, the quantity of the goods and the arrival time.

[0176] Determine whether the product information at the arrival node complies with the delivery terms information.

[0177] If there is product information that does not comply with the delivery terms information; obtain a compensation list based on the compensation terms information; wherein the compensation list includes one or more compensation items and the corresponding compensation sub-clauses and compensation amounts of the compensation items; wherein the compensation terms information includes one or more compensation sub-clauses, and the compensation sub-clauses include compensation items, compensation triggering conditions of the compensation items and corresponding compensation amount acquisition functions.

[0178] The compensation list is determined as the accounting result.

[0179] Furthermore, the logistics information includes the goods information and IoT information of the transportation nodes, wherein the transportation nodes include the shipping nodes, import nodes, export nodes, arrival nodes and nodes included in the transportation terms.

[0180] The management end is also used to verify the goods information based on the goods information of the transportation node and the Internet of Things information. After the verification is passed, the goods information of the arrival node is sent to the buyer for confirmation.

[0181] The buyer's end is also used to send a sixth confirmation message to the management end when confirming receipt of the product information of the arrival node.

[0182] The management end is also used to respond to the sixth confirmation information and upload the product information of the arrival node to the blockchain system.

[0183] Furthermore, the IoT information includes digital tags, location information, and product information of goods obtained through the IoT; the management end is also used for:

[0184] The digital tag is verified through the digital identity of the goods to determine the authenticity of the goods.

[0185] Verify whether the location information of the transport node's arrival time is the same as the transport node's arrival time.

[0186] Determine whether the cargo information of the transport node is consistent with the cargo information in the Internet of Things.

[0187] If the goods are confirmed to be genuine, the arrival time is the same, and the product information is consistent, then the verification is confirmed to be successful.

[0188] Furthermore, the buyer side is also used to: send a preset smart contract template and a first contract parameter to the buyer side.

[0189] The management end is used to send the preset smart contract template and the first contract parameters to the seller end; the first contract parameters include one or more of the participant information, delivery terms information and compensation terms information.

[0190] The seller side is used to send the second contract parameter according to the preset smart contract template and the first contract parameter, and send the preset smart contract template, the first contract parameter and the second contract parameter to the buyer side; the second contract parameter includes one or more of the participant information, the delivery terms information and the compensation terms information. The buyer side is used to send the fourth confirmation information to the seller side and the management side according to the preset smart contract template, the first contract parameter and the second contract parameter and the buyer's digital identity; send the preset smart contract template, the first contract parameter and the second contract parameter to the management side;

[0191] The seller side is used to respond to the fourth confirmation information and send the fifth confirmation information to the buyer side and the management side according to the seller's digital identity.

[0192] The management end is used to generate a smart contract according to a preset smart contract template, the first contract parameters and the second contract parameters in response to the fourth confirmation information and the fifth confirmation information, and perform chain operations on the smart contract.

[0193] Furthermore, the management end is also used to perform digital identity verification on the fourth confirmation information and the fifth confirmation information to confirm that the digital identities in the fourth confirmation information and the fifth confirmation information are correct.

[0194] The embodiment of the present application provides a blockchain system for multi-party transactions, the principles and technical effects of which are similar to the above-mentioned credit credential information processing method for multi-party transactions, and will not be repeated here.

[0195] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A method for processing credit certificate information in a multi-party transaction, characterized in that: A blockchain system for multi-party transactions, wherein the blockchain system includes a buyer side, a seller side, a buyer's bank side, a seller's bank side, a logistics side, and a management side, and the method includes: The management end receives the smart contract confirmed by the buyer end and the seller end, wherein the smart contract includes information about the participating parties, delivery terms and compensation terms; The management end synchronizes the participant information, delivery terms information and compensation terms information to the letter of credit information, and sends the letter of credit information to the buyer end; The buyer generates first confirmation information according to the letter of credit information and the buyer's digital identity, and sends the first confirmation information to the management end; wherein the first confirmation information is a message for indicating application for an international letter of credit; The management end sends the letter of credit information to the buyer's bank end in response to the first confirmation information; The buyer's bank generates confirmation authorization information based on the issuance documents and the buyer's bank digital identity, and sends the confirmation authorization information to the management end; The management end generates the international letter of credit according to the issuance documents in response to the confirmation authorization information; and sends the international letter of credit to the seller's bank end; wherein the international letter of credit includes information about the participating parties, delivery terms and compensation terms; The seller's bank generates second confirmation information according to the seller's bank digital identity, and sends the second confirmation information to the management end; the second confirmation information is used to indicate the message of approving the international letter of credit; In response to the second confirmation information, the management end performs a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start a transaction process; The logistics end sends a logistics message to the management end; The management end calculates the logistics information according to the international letter of credit to obtain a calculation result, and sends the calculation result to the buyer's bank end; The buyer's bank verifies and pays the calculation results.

2. The method according to claim 1, characterized in that: The management end calculates the logistics information according to the international letter of credit to obtain the calculation result, including: Acquire the product information of the cargo node from the logistics information, wherein the product information of the cargo node includes the quality of the goods, the quantity of the goods and the arrival time; Determining whether the product information at the arrival node complies with the delivery terms information; If there is product information that does not conform to the delivery terms information; obtain a compensation list according to the compensation terms information; wherein the compensation list includes one or more compensation items and the compensation sub-terms and the compensation amount corresponding to the compensation items; wherein the compensation terms information includes one or more compensation sub-terms, and the compensation sub-terms include compensation items, compensation triggering conditions of the compensation items and corresponding compensation amount acquisition functions; The compensation list is determined as the calculation result.

3. The method according to claim 1, characterized in that The logistics information includes the goods information and IoT information of the transport nodes, wherein the transport nodes include the shipping nodes, import nodes, export nodes, arrival nodes and the nodes included in the transport terms; After the logistics end sends the logistics message to the management end, the method further includes: The management end verifies the product information according to the product information and the IoT information of the transport node, and after the verification is passed, sends the product information of the arrival node to the buyer end for confirmation; The buyer sends sixth confirmation information to the management end when confirming receipt of the product information of the arrival node; In response to the sixth confirmation information, the management end uploads the product information of the arrival node to the blockchain system.

4. The method according to claim 3, characterized in that The IoT information includes digital tags, location information, and product information of the goods acquired through the IoT; The management end verifies the goods information according to the goods information and the Internet of Things information of the transportation node, including: Verifying the digital tag through the digital identity of the goods to determine the authenticity of the goods; Verifying whether the positioning information of the arrival time point of the transport node is the same as the arrival time of the transport node; Determine whether the product information of the transport node is consistent with the product information in the Internet of Things; If it is determined that the goods are authentic, the arrival time is the same, and the goods information is consistent, then the verification is determined to be successful.

5. The method according to claim 1, characterized in that Before the management end receives the smart contract confirmed by the buyer end and the seller end, it also includes: The buyer sends a preset smart contract template and first contract parameters to the seller; the first contract parameters include one or more of the participant information, delivery terms information and compensation terms information; The seller sends a second contract parameter according to the preset smart contract template and the first contract parameter, and sends the preset smart contract template, the first contract parameter and the second contract parameter to the buyer; the second contract parameter includes one or more of the participant information, the delivery terms information and the compensation terms information; The buyer sends a fourth confirmation message to the seller and the management end according to the preset smart contract template, the first contract parameters, the second contract parameters and the buyer's digital identity; sends the preset smart contract template, the first contract parameters and the second contract parameters to the management end; The seller side sends fifth confirmation information to the buyer side and the management side according to the seller digital identity in response to the fourth confirmation information; In response to the fourth confirmation information and the fifth confirmation information, the management end generates the smart contract according to the preset smart contract template, the first contract parameters and the second contract parameters, and performs a chain operation on the smart contract.

6. The method according to claim 5, characterized in that The management end generates the smart contract according to the preset smart contract template, the first contract parameter and the second contract parameter in response to the fourth confirmation information and the fifth confirmation information, and before the smart contract is put on the chain, it also includes: The management end performs digital identity authentication on the fourth confirmation information and the fifth confirmation information to confirm that the digital identities in the fourth confirmation information and the fifth confirmation information are correct.

7. The method according to claim 1, characterized in that Before the management terminal responds to the confirmation authorization information, the method further includes: The management end performs digital identity authentication on the first confirmation information and the confirmation authorization information respectively; and confirms that the digital identities in the first confirmation information and the confirmation authorization information are correct.

8. The method according to claim 7, characterized in that If it is confirmed according to the digital identity authentication that the digital identities in the first confirmation information and the confirmation authorization information are incorrect, a message indicating that the digital identity authentication has failed is sent to the buyer and the buyer's bank.

9. The method according to claim 2, characterized in that: The method further comprises: If the product information at the arrival node complies with the delivery terms information, the compensation amount is determined to be zero.

10. A blockchain system for multi-party transactions, characterized in that: include: Buyer side, seller side, buyer bank side, seller bank side, logistics side and management side; in The management end is used to receive the smart contract confirmed by the buyer and the seller, wherein the smart contract includes information about the participating parties, delivery terms and compensation terms; The management end is used to synchronize the participant information, delivery terms information and compensation terms information to the letter of credit information, and send the letter of credit information to the buyer end; The buyer end is used to generate first confirmation information according to the letter of credit information and the buyer's digital identity, and send the first confirmation information to the management end; wherein the first confirmation information is a message for indicating application for an international letter of credit; The management end is used to send the letter of credit information to the buyer's bank end in response to the first confirmation information; The buyer's bank terminal is used to generate confirmation authorization information according to the issuance documents and the buyer's bank digital identity, and send the confirmation authorization information to the management terminal; The management end is used to generate the international letter of credit according to the issuance documents in response to the confirmation authorization information; and send the international letter of credit to the seller's bank end; wherein the international letter of credit includes information about the participating parties, delivery terms and compensation terms; The seller's bank terminal is used to generate second confirmation information according to the seller's bank digital identity, and send the second confirmation information to the management terminal; the second confirmation information is used to indicate a message of approval of the international letter of credit; The management end is used to respond to the second confirmation information and perform a chain operation on the international letter of credit in the blockchain system to broadcast the international letter of credit and start a transaction process; The logistics end is used to send logistics messages to the management end; The management end is used to calculate the logistics information according to the international letter of credit to obtain the calculation result, and send the calculation result to the buyer's bank end; The buyer's bank end is used to check and pay the calculation results.

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