Online agricultural product supply chain financial service system based on block chain

Abstract

The invention discloses an online agricultural product supply chain financial service system based on a block chain. The system comprises an Internet of Things module, a financing service module, an intelligent contract module and an order management module. According to the invention, matching can be carried out on the peasant household, the B2B platform and the bank, the financing demand of the peasant household and the financing product of the bank, the financing willingness of the bank and the peasant household is improved, the financing efficiency of the peasant household is improved, the bank is helped to identify the credit qualification of the peasant household, and the financing risk is avoided; the method can also help farmers and the B2B platform to carry out product and yield demand matching, the platform sales rate is improved, and meanwhile the farmers are helped to improve the income stability.

Description

Technical Field

[0001] The present invention relates to the field of online agricultural product supply chain finance, and specifically to an online agricultural product supply chain financial service system based on blockchain.

[0002] summary

[0003] The present invention discloses an online agricultural product supply chain financial service system based on blockchain, comprising an Internet of Things module, a financing service module, a smart contract module and an order management module; the present invention can match farmers, B2B platforms and banks, match farmers' financing needs with banks' financing products, enhance the financing willingness of banks and farmers, improve farmers' financing efficiency, and help banks identify farmers' credit qualifications and avoid financing risks; the present invention can also help farmers match products and output needs with B2B platforms, improve platform sales rate, and help farmers improve income stability. Background Art

[0004] Agricultural development is an important pillar of my country's economic stability and social progress. However, in practice, the lack of funds for small and medium-sized enterprises in the agricultural product supply chain has seriously affected the healthy operation of the entire agricultural product supply chain, and thus affected the rapid realization of agricultural modernization, rural prosperity and increased farmers' income.

[0005] The development of Internet technology has prompted the deep integration of "Internet +" supply chain finance and online agricultural product financing models, forming a highly efficient and effective online agricultural product supply chain finance. Banks rely on their advantages in financial strength, customer resources, and risk control, while B2B e-commerce platforms rely on their advantages in big data applications and data pledge to achieve complementarity and jointly build a mainstream cooperation model for the sustainable and healthy development of the business.

[0006] Blockchain technology is an innovative digital infrastructure that integrates multiple technical means such as distributed storage, peer-to-peer communication, consensus mechanism, cryptography, etc. It builds a decentralized, tamper-proof, transparent and traceable distributed ledger system.

[0007] The core concept of blockchain is to organize data into a series of data blocks, each of which contains transactions or information records that occurred within a certain period of time, and forms a chain structure with the previous block through hash pointers. This chain structure ensures the integrity and order of the data. Once the data is added to the blockchain, any attempt to modify the historical record will cause the hash value of the subsequent block to change, making it easy to detect tampering.

[0008] When farmers are unable to meet the order requirements of downstream core enterprises due to a shortage of funds in the agricultural product supply chain, they can use the electronic orders signed with the core enterprises as credentials and complete credit review on the B2B platform with the help of blockchain technology to apply for loans from banks to purchase raw materials and continue production. However, due to the information gap between farmers and banks, the financing transaction rate is low, and farmers still have difficulty in financing; in addition, there is a low matching rate between farmers and B2B platform order requirements, which leads to difficulties in farmers' agricultural product sales and farmers' income is still unstable.

[0009] Based on the above problems, the present invention designs an online agricultural product supply chain financial service system based on blockchain, which is committed to improving the financing matching rate between farmers and banks and the order transaction rate between farmers and B2B platforms. Summary of the invention

[0010] An online agricultural product supply chain financial service system based on blockchain, characterized by including an Internet of Things module, a financing service module, a smart contract module and an order management module.

[0011] 1. Internet of Things module, used for human-computer interaction, product status tracking and positioning status tracking; among them,

[0012] The human-computer interaction enables the uploading and storage of real data, including farmers uploading detailed data on the planting, production, processing and packaging of agricultural products, B2B platforms uploading transaction data with farmers and platform sales data, and banks uploading financial transaction data and credit assessment data. The data uploaded by farmers, B2B platforms and banks are transmitted to the blockchain network via public key encryption technology. Each participant has a public key and a private key to ensure the security of data transmission. Each data upload will receive a timestamp and be recorded in the block of the blockchain. This timestamp marks the exact time when the data was uploaded to prevent the data from being tampered with or backdated.

[0013] The product status tracking realizes the full process status tracking of agricultural products from planting to sales. The blockchain records the detailed information of each stage of agricultural products from planting to sales, including the growth process, environmental conditions, picking time, etc. This information is permanently stored on the blockchain together with the timestamp of each stage. Each data update needs to be digitally signed with a private key to ensure the authenticity and immutability of the data. Only participants with the correct private key can update the data, thus ensuring the credibility of the data.

[0014] The positioning tracking enables real-time monitoring and tracking of the location of agricultural products. IoT devices transmit the location data of agricultural products to the blockchain network through encryption. These data will be recorded in the corresponding blocks on the blockchain and marked with a timestamp. Only authorized participants can access and update the location data, which is achieved by using their private keys, ensuring the security, credibility and real-time nature of the data and preventing malicious tampering or forgery.

[0015] 2. Financing service module, which is used for account login and information management, credit assessment and review, financing demand matching and transaction channel establishment;

[0016] The account login and information management realizes the classified management of user accounts. Using the distributed ledger technology of blockchain, three independent but interoperable blockchain databases are created: farmer blockchain, B2B platform blockchain, and bank blockchain. Each database is part of a node network and stores user information and transaction history related to it. Users log in to their accounts through encrypted private keys to ensure the security of identity authentication. Once the information is on the chain, it forms a permanent, transparent and traceable record, realizing the decentralized storage and sharing of data. Specifically, user accounts are divided into farmer accounts, B2B platform accounts and bank accounts, and farmer accounts, B2B platform accounts and bank accounts respectively input corresponding account information to the farmer blockchain database, B2B platform blockchain database and bank blockchain database in account login and information management for storage and sharing, wherein the information of farmer accounts includes the types of agricultural products produced, farm scale, expected output of agricultural products, quality of agricultural products and capital demand; the information of B2B platform accounts includes the types of agricultural products sold and their sales volume, agricultural product type demand and quantity demand and working capital; the information of bank accounts includes specific information of financial products provided according to grades and working capital.

[0017] The credit assessment and review realizes the quality identification of agricultural products and the credit rating of farmers. The planting, production, processing and packaging processes of agricultural products are supervised according to the data of the Internet of Things module, and the quality of agricultural products is graded and purchased and priced according to different grades; at the same time, the credit rating of farmers is assessed based on the farmer information of the account login and information management module, the agricultural product delivery performance of farmers and B2B platforms, and the bad transaction records of farmers and banks (S), so that banks can review and evaluate the credit qualifications when providing funds to farmers.

[0018] The financing demand matching realizes the matching of financing needs between farmers and banks. The financing demand matching part is used to receive the farmer account, B2B platform and bank account information uploaded by the account login and information management part, and also receives the credit qualification review and evaluation information of the credit evaluation and review part and the electronic order information of the smart contract module;

[0019] The financing demand matching is also used to analyze the information uploaded by the account login and information management part to achieve the financing demand matching between farmers and banks;

[0020] The financing demand matching method analyzes the farmer account uploaded in the account login and information management part, the account information of the B2B platform and the bank, the credit qualification review and evaluation information in the credit evaluation and review part, and the electronic order information of the smart contract module, and matches the farmer-bank financing needs as follows:

[0021] S11: The farmer sends out financing demand information, including the farmer's financing demand X1, the farmer's expected repayment period T1, and the farmer's acceptable financing interest rate range R1; the bank sends out financing product information, including the financing product category K2, the corresponding financing customer credit rating S2, the repayment period T2, and the interest rate range R2;

[0022] S12: Based on the information X1, T1 and R1 sent by farmers, bank financing products are screened to obtain i bank financing products that meet the procurement requirements;

[0023] S13: Among the bank financing products that meet the requirements, the expected interest rate range of the farmer and the overlap of the interest rate range of the bank financing products rf are calculated in turn according to the information of R1 and R2, where f = 1, 2, 3....i. Several bank financing products with the largest overlap rf are selected as the objects for further screening. At this time, the farmer can select at least one bank financing product and initiate a loan intention;

[0024] S14: Based on the X1, T1 and R1 values ​​provided by the farmers and the credit assessment level S1 of the farmers in the credit assessment and review section, the farmers who do not meet the financing requirements and do not meet the credit assessment level requirements are calibrated, and the farmer's credit level S1 is compared with the credit level S2 of the financing customer corresponding to the financing product, and the bank financing products with S2≠S1 are screened out, and the online B2B platforms and banks whose total assets do not meet the financing requirements are calibrated;

[0025] S15: After the farmer initiates a financing request, the bank initiates a review request to the B2B platform, entrusting the B2B platform to review the farmer's financial information, electronic credit information, authenticity of electronic orders, quality of electronic orders, etc. Farmers with false information or poor order quality will be marked. At this time, the bank can choose farmers who meet the credit conditions to complete the financing cooperation.

[0026] 3. Intelligent contract module, used for storage of financing transaction orders and electronic orders for product transactions;

[0027] The financing transaction order storage part realizes the storage of financing contracts between farmers and banks. Using the distributed ledger architecture of blockchain, financing transaction orders are converted into smart contracts and deployed in a decentralized network composed of multiple participating nodes. Each contract uses a high-level programming language to specify the financing terms between farmers and banks, such as principal (P), interest rate (r), repayment plan (S), etc., and uses a hash function to ensure that any minor changes in the contract content can be identified immediately, ensuring the immutability of the data. In addition, based on a consensus mechanism (such as Proof of Work or Proof of Stake), all network nodes jointly verify the validity of each financing contract, ensure the consensus and finality of the transaction, and greatly enhance the legal effect of the contract.

[0028] The electronic order storage part of the product transaction realizes the electronic order formed by the agricultural product transaction between farmers and downstream core enterprises. The electronic order will serve as the certificate and credit review information for farmers to apply for loans from banks. The electronic order for product transactions is designed as a smart contract with self-executing capabilities, which records the details of agricultural product transactions between farmers and downstream core enterprises in detail, such as goods specifications, unit prices, total quantities, delivery terms, etc. These order data are protected by encryption technology and are equipped with timestamps to accurately record the instantaneous state of the transaction, providing real-time and reliable proof of farmers' credit qualifications. Banks can directly access these encrypted and verified electronic orders through the blockchain interface, using them as the key basis for credit assessment, effectively shortening the loan approval cycle, and at the same time ensuring data access authority control and privacy protection with the help of key management mechanisms.

[0029] 4. The order demand matching module is used for order management and farmer-B2B platform order demand matching;

[0030] The order management part implements the storage of order transaction information, including the storage of order records and performance status of agricultural product transactions between farmers and B2B platforms. Order management relies on the distributed ledger technology of blockchain to create a unique block for each agricultural product transaction order, including but not limited to order details (such as agricultural product type C1 / C2, grade K1 / K2, purchase volume B1 / estimated output B2, time T3 / T4) and performance status. This information is securely stored through encryption algorithms, and the Merkle tree structure is used to ensure the integrity of the data. Any modification or update of the order will trigger the generation of a new block, ensuring the immutability and traceability of the transaction history. In addition, the transparency of the blockchain allows all authorized participants in the supply chain to view the order status in real time, enhancing trust and collaboration efficiency.

[0031] The farmer-B2B platform order demand matching part will be used to receive the farmer account, B2B platform and account information uploaded by the account login and information management part, and also receive the product transaction electronic order information of the smart contract module; it is also used to analyze the information uploaded by the account login and information management part to achieve farmer-platform order demand matching;

[0032] As a preferred method, the order demand matching analyzes the farmer account uploaded in the account login and information management part, the product transaction electronic order information of the B2B platform account information smart contract module, and matches the farmer-B2B platform order demand in the following manner:

[0033] S21: The core enterprises in the downstream of the supply chain send out the demand in the B2B platform and send out the order demand information through the B2B platform account, including the type of agricultural products C1, the grade of agricultural products K1, the purchase volume of agricultural products B1, and the purchase period of agricultural products T3; the farmers send out the product information, including the type of agricultural products C2, the grade of agricultural products K2, the estimated output of agricultural products B2, and the estimated delivery period of agricultural products T4;

[0034] S22: According to the C1, K1 and B1 information issued by the B2B platform, the farmers are screened to obtain j farmers that meet the requirements;

[0035] S23: among the farmers who meet the conditions, calculate their overlap tf according to the information of T3 and T4, where f = 1, 2, 3...j. Select several farmers with the largest overlap tf values ​​as further screening objects;

[0036] S24: According to the transaction records and transaction fulfillment records of the order management platform, farmers with bad transaction and fulfillment records are marked. At this time, the B2B platform can select at least one farmer to cooperate in agricultural product trading.

[0037] 5. The transaction authentication and supervision module is used to build financing transaction channels, order transaction channels and supervise transactions. Blockchain technology is mainly used to create a decentralized payment platform. Each transaction will form a block, which contains key information such as transaction amount, participants, timestamp, etc. This information is encrypted and broadcast to all nodes in the network to achieve instant confirmation and settlement of transactions. Each transaction is recorded on the blockchain in an unalterable manner, and hash functions are used to ensure data integrity. Any attempt to illegally tamper with transaction information will be automatically rejected by the network.

[0038] The financing transaction channel is built for the smart contract to automatically execute the terms of the financing agreement. When the farmer meets the financing conditions set by the bank, the smart contract automatically triggers the transfer of funds and records the transaction details to the blockchain to ensure the transparency and irreversibility of the financing process. At the same time, the financing transaction information between the farmer and the bank is transmitted to the credit assessment and review part of the financing service module.

[0039] The order transaction channel is built for financing transactions and order transactions. Order transactions are also managed through smart contracts to ensure that transaction terms (such as price, quantity, delivery date, etc.) are encoded and automatically executed once consensus is reached, reducing the risk of default. At the same time, transaction information is synchronized in real time to the order management part of the order demand matching module.

[0040] The regulatory part is used to ensure the legality and security of fund transactions. As a node in the blockchain network, the regulatory agency can monitor the transaction flow in real time and instantly verify the legality and compliance of the transaction. In the early stage of the transaction, the system-integrated KYC (know your customer) and AML (anti-money laundering) procedures perform strict identity authentication and background checks through blockchain technology, strengthening the compliance basis of both parties to the transaction. In addition, the financing service module uses the complete transaction history of farmers stored and accessed by the blockchain. The smart contract automatically summarizes and analyzes this data to assess the credit status of farmers, providing solid data support for financing approval, and sharing necessary information with regulatory agencies, which promotes the seamless connection between regulatory efficiency and information, and jointly maintains an efficient and standardized trading environment.

[0041] The beneficial effects of the present invention are:

[0042] (1) The present invention designs an online agricultural product supply chain financial service system based on blockchain technology, which realizes accurate demand matching between farmers, B2B platforms and banks. It can efficiently match farmers' financing needs with banks' financing products, improve the financing willingness and efficiency of both parties, and also help banks to more accurately identify farmers' credit qualifications, thereby effectively avoiding financing risks. In addition, it can assist farmers and B2B platforms in accurately matching product and output needs, thereby improving the platform's sales rate and ensuring the stability of farmers' income.

[0043] (2) At the financing transaction level, the present invention can effectively match farmers' financing needs with bank financing products, giving full play to the unique advantages of blockchain technology and building a safe, transparent and efficient financing transaction platform. Through the smart contract module, the system can automatically process the financing transaction process to ensure that the rights and interests of both parties to the transaction are fully protected. At the same time, with the decentralized nature of blockchain, the system realizes the real-time sharing and verification of financing information, effectively eliminating the problem of information asymmetry.

[0044] (3) At the agricultural product transaction level, the present invention can record and match the types, levels, quantities and time requirements of agricultural products between farmers and B2B platforms, ensuring that agricultural products can be transferred in a timely manner according to predetermined time nodes, thereby greatly improving the efficiency of agricultural product transactions and increasing the income of farmers and platforms.

[0045] (4) The present invention has the function of real-time recording and monitoring of transaction information, can accurately identify and mark users with bad transaction records, ensure the security and transparency of transactions, and provide a solid trust foundation for the entire online agricultural product supply chain financial service system. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] In order to make the purpose, technical solutions and advantages of the present invention more clear, the present invention will be described in detail below with reference to the accompanying drawings, in which:

[0047] Figure 1 This is a diagram of the online agricultural product supply chain finance model;

[0048] Figure 2 For online agricultural product supply chain financial system;

[0049] Figure 3 This is the module structure diagram of the online agricultural product supply chain financial system. DETAILED DESCRIPTION

[0050] The following describes the embodiments of the present invention through specific examples, and those skilled in the art can easily understand other advantages and effects of the present invention from the contents disclosed in this specification. The present invention can also be implemented or applied through other different specific embodiments, and the details in this specification can also be modified or changed in various ways based on different viewpoints and applications without departing from the spirit of the present invention. The technical solution of the present invention is further introduced below in conjunction with the specific embodiments and the accompanying drawings.

[0051] This invention proposes an online agricultural product supply chain financial service system based on blockchain, please refer to Figure 2 The specific algorithm is described as follows:

[0052] An online agricultural product supply chain financial service system based on blockchain, including an Internet of Things module, a financing service module, a smart contract module, an order demand matching module, and a transaction authentication and supervision module.

[0053] The Internet of Things module includes human-computer interaction, product status tracking, and positioning status tracking.

[0054] The human-computer interaction includes farmers uploading detailed data on the planting, production, processing and packaging of agricultural products, B2B platforms uploading transaction data with farmers and platform sales data, and banks uploading financial transaction data and credit assessment data. The data uploaded by farmers, B2B platforms and banks are transmitted to the blockchain network via public key encryption technology.

[0055] The product status tracking uses blockchain to record detailed information on every stage of agricultural products from planting to sales, including the growth process, environmental conditions, picking time, etc. Each data update needs to be digitally signed with a private key to ensure the authenticity and immutability of the data.

[0056] The location tracking uses IoT devices to encrypt and transmit the location data of agricultural products to the blockchain network. These data will be recorded in the corresponding blocks on the blockchain and marked with a timestamp. Only authorized participants can access and update the location data with their private keys to prevent malicious tampering and forgery.

[0057] The financing service module includes account login and information management, credit assessment and review, financing demand matching and transaction channel establishment.

[0058] The account login and information management part uses the distributed ledger technology of blockchain to create three independent but interoperable blockchain databases: farmer blockchain, B2B platform blockchain, and bank blockchain. Each database stores user information and transaction history related to it. Users log in to their accounts through encrypted private keys to ensure the security of identity authentication. Specifically, user accounts are divided into farmer accounts, B2B platform accounts, and bank accounts, and farmer accounts, B2B platform accounts, and bank accounts enter corresponding account information into the farmer blockchain database, B2B platform blockchain database, and bank blockchain database for storage and sharing.

[0059] The credit assessment and review supervises the planting, production, processing and packaging processes of agricultural products based on the data from the Internet of Things module, and assesses the quality of agricultural products, and purchases and prices agricultural products according to different grades; at the same time, the credit rating of farmers is assessed based on three parts: farmer information, agricultural product delivery performance between farmers and B2B platforms, and bad transaction records between farmers and banks.

[0060] The financing demand matching part is used to receive the farmer account, B2B platform and bank account information uploaded by the account login and information management part, and also receive credit qualification review and evaluation information and electronic order information, analyze the information uploaded by the account login and information management part, and achieve farmer-bank financing demand matching. The method for matching farmer-bank financing demand is as follows:

[0061] In the first step, farmers send out financing demand information, including the farmer's financing demand X1, the farmer's expected repayment period T1, and the farmer's acceptable financing interest rate range R1; the bank sends out financing product information, including the financing product category K2, the financing product's corresponding financing customer credit rating S2, the financing product's repayment period T2, and the financing product's interest rate range R2;

[0062] The second step is to screen bank financing products based on the information X1, T1 and R1 sent by farmers to obtain i bank financing products that meet the procurement requirements;

[0063] The third step is to calculate the expected interest rate range of farmers and the overlap of the interest rate range of bank financing products rf in accordance with the information of R1 and R2, where f = 1, 2, 3....i. Select several bank financing products with the largest overlap rf as the objects for further screening. At this time, farmers can choose at least one bank financing product and initiate loan intention;

[0064] The fourth step is to calibrate farmers who do not meet the financing requirements and credit assessment requirements based on the X1, T1 and R1 values ​​provided by farmers and the credit assessment level S1 of farmers in the credit assessment and review section, compare the farmer's credit level S1 with the credit level S2 of the financing product corresponding to the financing customer, screen out bank financing products with S2≠S1, and calibrate online B2B platforms and banks whose total assets do not meet the financing requirements;

[0065] Step 5: After the farmer initiates a financing request, the bank initiates a review request to the B2B platform, entrusting the B2B platform to review the farmer's financial information, electronic credit information, authenticity of electronic orders, and the quality of electronic orders. Farmers with false information or poor order quality will be marked. At this point, the bank can choose farmers who meet the credit conditions to complete the financing cooperation.

[0066] The smart contract module includes financing transaction order storage and product transaction electronic order storage.

[0067] The storage part of the financing transaction order uses the distributed ledger architecture of the blockchain. The financing transaction order is converted into a smart contract and deployed in a decentralized network consisting of multiple participating nodes. Each contract uses a high-level programming language to specify the financing terms between farmers and banks, and uses a hash function to ensure that any minor changes in the contract content can be instantly identified. Based on the consensus mechanism, all network nodes jointly verify the validity of each financing contract to ensure the consensus and finality of the transaction.

[0068] The electronic orders for product transactions are designed as self-executing smart contracts that record in detail the details of agricultural product transactions between farmers and downstream core enterprises. These order data are protected by encryption technology and are time-stamped to accurately record the instantaneous state of the transaction, providing real-time and credible proof of farmers' credit qualifications and providing key basis for bank credit assessment.

[0069] The order demand matching module includes order management and farmer-B2B platform order demand matching.

[0070] The order management part stores the order records and performance status of agricultural product transactions between farmers and the B2B platform respectively. The order management relies on the distributed ledger technology of the blockchain to create a unique block for each agricultural product transaction order, which is securely stored through an encryption algorithm and uses a Merkle tree structure to ensure data integrity. Any modification or update to an order will trigger the generation of a new block. The transparency of the blockchain allows all authorized participants in the supply chain to view the order status in real time, enhancing trust and collaboration efficiency.

[0071] The farmer-B2B platform order demand matching part is used to receive the farmer account, B2B platform and account information uploaded by the account login and information management part, receive the product transaction electronic order information of the smart contract module, analyze the information uploaded by the account login and information management part, and realize the farmer-platform order demand matching. The matching method is:

[0072] In the first step, the core enterprises downstream of the supply chain send out the demand on the B2B platform and send out the order demand information through the B2B platform account, including the type of agricultural products C1, the grade of agricultural products K1, the purchase volume of agricultural products B1, and the purchase period of agricultural products T3; the farmers send out the product information, including the type of agricultural products C2, the grade of agricultural products K2, the estimated output of agricultural products B2, and the estimated delivery period T4 of agricultural products;

[0073] The second step is to screen the farmers according to the C1, K1 and B1 information issued by the B2B platform and obtain j farmers that meet the requirements;

[0074] The third step is to calculate the overlap tf among the eligible farmers based on the information of T3 and T4, where f = 1, 2, 3...j. Select several farmers with the largest overlap tf values ​​as further screening objects;

[0075] The fourth step is to mark farmers with bad transaction and fulfillment records based on the transaction records and transaction fulfillment records of the order management platform. At this time, the B2B platform can select at least one farmer to cooperate in agricultural product trading.

[0076] The transaction authentication and supervision module is used to build financing transaction channels, order transaction channels and supervise transactions.

[0077] The financing transaction channel is built for the smart contract to automatically execute the terms of the financing agreement. When the farmer meets the financing conditions set by the bank, the smart contract automatically triggers the transfer of funds and records the transaction details to the blockchain to ensure the transparency and irreversibility of the financing process. At the same time, the financing transaction information between the farmer and the bank is transmitted to the credit assessment and review part of the financing service module.

[0078] The order transaction channel is managed through smart contracts to ensure that the transaction terms are encoded and automatically executed once consensus is reached, reducing the risk of default, and at the same time synchronizing the transaction information in real time to the order management part of the order demand matching module.

[0079] The regulatory part is used to ensure the legality and security of fund transactions. In the early stage of the transaction, the system-integrated KYC (know your customer) and AML (anti-money laundering) procedures use blockchain technology to perform strict identity verification and background checks, strengthening the compliance basis of both parties to the transaction. In addition, the financing service module uses the complete transaction history of farmers stored and accessed on the blockchain. The smart contract automatically summarizes and analyzes this data to assess the credit status of farmers, providing solid data support for financing approval, and sharing necessary information with regulators, promoting seamless integration of regulatory efficiency and information.

Claims

1. An online agricultural product supply chain financial service system based on blockchain, characterized in that: include: The Internet of Things module includes human-computer interaction, product status tracking, and positioning status tracking; among them, The human-computer interaction realizes the uploading and storage of real data; the product status tracking realizes the whole process status tracking of agricultural products from planting to sales; and the positioning tracking realizes the real-time monitoring and tracking of the location of agricultural products. Financing service module, including account login and information management, credit assessment and review, financing demand matching and transaction channel establishment; among them, The account login and information management realizes the classification management of user accounts; the credit assessment and review realizes the quality identification of agricultural products and the credit rating assessment of farmers; and the financing demand matching realizes the matching of financing needs of farmers and banks. Smart contract module, including financing transaction order storage and product transaction electronic order storage; among them, The financing transaction order storage part realizes the storage of financing contracts between farmers and banks; the product transaction electronic order storage part realizes the electronic orders formed by farmers and downstream core enterprises in agricultural product transactions. The order management module includes order management and farmer-B2B platform order demand matching; The order management part realizes the storage of order transaction information; the farmer-B2B platform order demand matching realizes the matching of farmer's order demand with that of the B2B platform. The transaction authentication and supervision module mainly uses blockchain technology to create a decentralized payment platform.

2. According to claim 1, an online agricultural product supply chain financial service system based on blockchain is characterized in that: The Internet of Things module comprises: Farmers upload detailed data on the planting, production, processing and packaging of agricultural products, B2B platforms upload transaction data with farmers and platform sales data, and banks upload financial transaction data and credit assessment data; The data uploaded by the farmers, B2B platform and bank are transmitted to the blockchain network via public key encryption technology. Each participant has a public key and a private key. Each data upload will be timestamped and recorded in a block on the blockchain. Product status tracking is used to record detailed information on every stage of agricultural products from planting to sales using blockchain, including growth process, environmental conditions, picking time, etc. Positioning status tracking is used to encrypt and transmit the location data of agricultural products to the blockchain network through IoT devices to prevent malicious tampering and forgery.

3. According to claim 1, an online agricultural product supply chain financial service system based on blockchain is characterized in that: The financing service module includes: The distributed ledger technology of blockchain is used to create three independent but interoperable blockchain databases; The blockchain database includes a farmer blockchain, a B2B platform blockchain, and a bank blockchain, and each database stores user information and transaction history related thereto. Credit assessment and review are used to monitor the planting, production, processing and packaging processes of agricultural products based on the data from the Internet of Things module, to grade the quality of agricultural products, and to purchase and price agricultural products according to different grades. Financing demand matching is used to receive the farmer account, B2B platform and bank account information uploaded by the account login and information management part, and also receives the credit qualification review and evaluation information of the credit evaluation and review part and the electronic order information of the smart contract module; among them, The financing demand matching is also used to analyze the information uploaded by the account login and information management part to achieve financing demand matching between farmers and banks.

4. According to claim 1, an online agricultural product supply chain financial service system based on blockchain is characterized in that: The smart contract module includes: The distributed ledger architecture of blockchain enables financing transaction orders to be converted into smart contracts and deployed in a decentralized network consisting of multiple participating nodes; The smart contracts use high-level programming languages ​​to specify the financing terms between farmers and banks, and use hash functions to ensure that any minor changes in the contract content can be instantly identified. The electronic order for product transactions is designed to be a self-executing smart contract that records in detail the details of agricultural product transactions between farmers and downstream core enterprises.

5. According to claim 1, an online agricultural product supply chain financial service system based on blockchain is characterized in that: The order management module includes: The distributed ledger technology of blockchain is used for order management, and the order records and fulfillment status of agricultural product transactions between farmers and B2B platforms are stored separately. Farmer-B2B platform order demand matching, used to receive the farmer account, B2B platform and account information uploaded by the account login and information management part; among them, The order demand matching also receives the electronic order information of product transactions from the smart contract module, analyzes the information uploaded by the account login and information management part, and realizes the order demand matching between farmers and the platform.

6. The blockchain-based online agricultural product supply chain financial service system according to claim 1, characterized in that: The transaction authentication and supervision module includes: Blockchain technology creates a decentralized payment platform that contains key information such as transaction amount, participants, timestamp, etc., and uses hash functions to ensure data integrity. Any attempt to illegally tamper with transaction information will be automatically rejected by the network. The financing transaction channel is used for smart contracts to automatically execute the terms of the financing agreement. When farmers meet the financing conditions set by the bank, the smart contract automatically triggers the transfer of funds. The order transaction channel is used for financing transactions and order transactions. Order transactions are also managed by smart contracts to ensure that transaction terms (such as price, quantity, delivery date, etc.) are encoded and automatically executed once consensus is reached. The regulatory part is used to ensure the legality and security of fund transactions.

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