Credit transmission method and system based on block chain

Abstract

The invention relates to a credit card transmission method and system based on a block chain. The method comprises the following steps that: an issuing bank initiates a credit card issuing transaction, links credit card issuing transaction information, issues an issuing notification, and links issuing notification information; the notification bank sends out a sending transaction and links sending transaction information, and the issuing bank sends out receipt information and links the receipt information; the issuing bank issues an accepting transaction, accepting transaction information is linked up, the notification bank issues an accepting notification transaction, accepting notification transaction information is linked up, the issuing bank issues a payment transaction, payment transaction information is linked up, the issuing bank pays the notification bank, the notification bank issues payment state notification information, and payment state notification information is linked up; and the issuing bank receives the payment state notification information and initiates a closed transaction. According to the invention, an extensible block chain front-end system is introduced, and real-time writing, real-time reading and real-time verification of related transactions such as credit card issuing, bill sending, acceptance and payment on the chain are realized based on the block chain.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based letter of credit transmission method and system. Background Art

[0002] Blockchain generally involves elements such as blockchain network, nodes, consensus, and smart contracts. In practical applications, symmetric and asymmetric encryption algorithms are also used to ensure data security and user privacy protection.

[0003] Domestic letter of credit is a payment settlement method applicable to domestic trade. In domestic trade, after the buyer and seller form a sales contract, the buyer, as the applicant, applies to the issuing bank for a written commitment to pay a certain amount of money to the seller, as the beneficiary, within a certain period of time against the specified documents. In the actual business processing process, there are many offline mailing links, and some transaction messages need to be sent through SWIFT. Customers can generally only check the business progress within their own bank.

[0004] Traditional domestic letter of credit transactions have the following shortcomings:

[0005] (1) Transaction documents are mostly sent by mail, which is slow, easy to lose, and has poor security.

[0006] (2) It is necessary to use SWIFT as the center to send encrypted messages, and the transaction banks are required to act as each other's agents. This is inefficient, has certain barriers to entry, does not support Chinese, has a poor user experience, and has additional fees, and is highly dependent on third parties.

[0007] (3) Poor transparency and user experience. Customers can only check the business progress within their own bank and cannot understand the processing progress of the counterparty bank.

[0008] (4) It is impossible to properly track and trace transaction vouchers, which poses a potential risk of reuse or counterfeiting.

[0009] At this stage, the development of blockchain-based application systems will mostly require major modifications to existing applications, or the codes for blockchain uplink and downlink and smart contracts are relatively complex, otherwise it will be difficult to give full play to the characteristics of blockchain. Summary of the invention

[0010] In order to address the shortcomings of the prior art, the present invention realizes real-time writing, real-time reading and real-time verification of related transactions such as letter of credit opening, mailing, acceptance and payment on the chain based on blockchain. The present invention also introduces an extensible blockchain front-end system for encrypting and decrypting transaction information and monitoring upstream and downstream chain service requests.

[0011] To achieve the above objectives, the technical solutions adopted by the present invention include:

[0012] A method for transmitting a letter of credit based on blockchain, characterized by comprising:

[0013] S1. The issuing bank initiates the L / C opening transaction, uploads the L / C opening transaction information to the blockchain and broadcasts the notification on the blockchain. The notifying bank stores the L / C opening transaction information, issues an opening notification, uploads the opening notification information to the blockchain and broadcasts the notification on the blockchain;

[0014] S2. The notifying bank issues a document delivery transaction, uploads the transaction information to the blockchain and broadcasts the notification on the blockchain. The issuing bank receives the document information and issues a document arrival information, uploads the document arrival information to the blockchain and broadcasts the notification on the blockchain.

[0015] S3. The issuing bank issues an acceptance transaction, uploads the acceptance transaction information to the blockchain and broadcasts a notification on the blockchain. The notifying bank receives the acceptance transaction information and issues an acceptance notification transaction, uploads the acceptance notification transaction information to the blockchain and broadcasts a notification on the blockchain. The issuing bank receives the acceptance notification transaction information and issues a payment transaction, uploads the payment transaction information to the blockchain and broadcasts a notification on the blockchain. The notifying bank receives the payment and issues a payment status notification information, uploads the payment status notification information to the blockchain and broadcasts a notification on the blockchain.

[0016] S4. The issuing bank receives the payment status notification information, initiates a closed-book transaction, uploads the closed-book transaction information to the chain and broadcasts the notification on the blockchain.

[0017] Further, S1 includes: generating a pdf file according to the letter of credit opening transaction information, and uploading the pdf file to the issuing bank server; after the letter of credit opening transaction information is uploaded to the blockchain and the notification is broadcast on the blockchain, the notifying bank synchronizes the pdf file of the issuing bank server to the notifying bank server according to the letter of credit opening transaction information;

[0018] The putting the letter of credit opening transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the letter of credit opening transaction information and then putting it on the chain and broadcasting the notification on the blockchain, and a specific notifying bank decrypts the encrypted information, and the specific notification behavior is entrusted by the notifying bank of the consignee;

[0019] The issuing of the letter of credit notification, uploading the letter of credit notification information to the chain and broadcasting the notification on the blockchain includes: the notifying bank sends the letter of credit notification information to the blockchain front-end system for encryption and then uploading it to the chain and broadcasting the notification on the blockchain, the issuing bank decrypts the encrypted information and stores the letter of credit notification information, and the letter of credit notification information includes the notification status, the notifying bank's business reference number, and business information.

[0020] Furthermore, S2 includes: uploading the business document image to the notifying bank server; after the document delivery transaction information is uploaded to the blockchain and the notification is broadcasted on the blockchain, the notifying bank server is synchronized with the issuing bank server according to the document delivery transaction information;

[0021] The putting the bill-of-sale transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the bill-of-sale transaction information and then putting it on the chain and broadcasting the notification on the blockchain, and the issuing bank decrypts the encrypted information;

[0022] The method of putting the order information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the order information and then putting it on the chain and broadcasting the notification on the blockchain, and the notifying bank decrypts the encrypted information.

[0023] Furthermore, the process of uploading the acceptance transaction information to the blockchain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the acceptance transaction information and then uploading it to the blockchain and broadcasting the notification on the blockchain, and the notifying bank decrypting the encrypted information;

[0024] The said uploading the acceptance notice transaction information to the blockchain and broadcasting the notification on the blockchain comprises: calling the blockchain front-end system to encrypt the acceptance notice transaction information and then uploading it to the blockchain and broadcasting the notification on the blockchain, and the issuing bank decrypts the encrypted information and saves the acceptance notice transaction information;

[0025] The putting the payment transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the payment transaction information and then putting it on the chain and broadcasting the notification on the blockchain, the notifying bank decrypts the encrypted information, decrypts the payment transaction information, and the issuing bank pays the notifying bank;

[0026] The method of uploading the payment status notification information to the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the payment status notification information and then uploading it to the chain and broadcasting the notification on the blockchain, and the issuing bank decrypts the encrypted information.

[0027] Furthermore, the process of uploading the closed-book transaction information to the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the closed-book transaction information and then uploading it to the chain and broadcasting the notification on the blockchain, and the notifying bank decrypts the encrypted information.

[0028] Furthermore, symmetric and asymmetric encryption algorithms are used to encrypt information.

[0029] The present invention also relates to a blockchain-based letter of credit transmission system, which is characterized by comprising:

[0030] The letter of credit opening module is used for the issuing bank to initiate the letter of credit opening transaction, upload the letter of credit opening transaction information to the blockchain and broadcast the notification on the blockchain; the notifying bank stores the letter of credit opening transaction information, issues the letter of credit opening notification, uploads the letter of credit opening notification information to the blockchain and broadcasts the notification on the blockchain;

[0031] The document storage module is used to notify the bank to issue a document delivery transaction, upload the document delivery transaction information to the blockchain and broadcast the notification on the blockchain. The issuing bank receives the document information and issues the document arrival information, uploads the document arrival information to the blockchain and broadcasts the notification on the blockchain.

[0032] The fund transfer module is used for the issuing bank to issue an acceptance transaction, upload the acceptance transaction information to the chain and broadcast the notification on the blockchain, the notifying bank receives the acceptance transaction information and issues an acceptance notification transaction, uploads the acceptance notification transaction information to the chain and broadcasts the notification on the blockchain, the issuing bank receives the acceptance notification transaction information and issues a payment transaction, uploads the payment transaction information to the chain and broadcasts the notification on the blockchain, the notifying bank receives the payment and issues a payment status notification information, uploads the payment status notification information to the chain and broadcasts the notification on the blockchain;

[0033] The transaction completion module is used by the issuing bank to receive payment status notification information, initiate a closed-book transaction, upload the closed-book transaction information to the chain and broadcast the notification on the blockchain.

[0034] The present invention also relates to a computer-readable storage medium, characterized in that a computer program is stored on the storage medium, and the computer program implements the above method when executed by a processor.

[0035] The present invention also relates to an electronic device, characterized in that it comprises a processor and a memory;

[0036] The memory is used to store program instructions;

[0037] The processor is used to execute the above method by calling program instructions.

[0038] The present invention also relates to a computer program product, comprising a computer program and / or instructions, characterized in that the computer program and / or instructions implement the steps of the above method when executed by a processor.

[0039] The beneficial effects of the present invention are:

[0040] The present invention utilizes blockchain technology in combination with an international business settlement system or a corresponding system to realize a domestic letter of credit information transmission system based on a blockchain alliance chain, realizes the electronic opening of domestic letters of credit, and sends letter of credit transaction information with the help of a blockchain system, realizing real-time writing, real-time reading, and real-time verification functions on the letter of credit chain. The transaction information under the letter of credit business is reviewed by the acquiring bank and written into the blockchain in real time, and the original issuing bank can accept it in real time. The effects of the present invention are as follows: First, paper letters of credit and documents are transmitted electronically to achieve real-time delivery, improve the efficiency of opening, notification, and reviewing documents, reduce the transit time of transaction documents and letters of credit, speed up capital turnover, and improve the security and timeliness of transactions; second, reduce dependence on the SWIFT system, reduce transaction costs, have good support for Chinese, and greatly improve the transaction experience; third, ensure information transparency, greatly improve user experience, related enterprises can obtain the status information of letters of credit in real time, large customers can make real-time changes, maintain customer interests, and can greatly improve the user experience level and enhance the bank's Customer acquisition capabilities; Fourth, by making full use of the multi-center, tamper-proof, and traceable characteristics of blockchain, transaction credentials and information can be well tracked and traced, transaction risks can be reduced, and it is conducive to building an industry trust mechanism and basic data, and forming good industry norms and standards; Fifth, for the application of blockchain alliance chain, develop a safe, reliable, data privacy-protected, and standardized blockchain front-end system to encrypt and decrypt transaction information and monitor service requests on the upper and lower chains. The blockchain front-end system has good scalability and can be well migrated to the new application system after simple modifications based on differences in business logic. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in describing the embodiments of the present application are briefly introduced below.

[0042] Figure 1 This is a flowchart of a method for transmitting a letter of credit based on blockchain according to the present invention;

[0043] Figure 2 This is a schematic diagram of the structure of a blockchain-based letter of credit transmission system of the present invention;

[0044] Figure 3 The figure is a schematic structural diagram of an electronic device of the present invention. DETAILED DESCRIPTION

[0045] In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be clearly and completely described below in conjunction with the specific embodiments of the present application and the corresponding drawings. It should be understood that the described embodiments are only part of the embodiments of the present application, rather than all of the embodiments, and these embodiments are only used to illustrate the present application and are not used to limit the scope of the present application. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of this application.

[0046] like Figure 1 As shown, the embodiment of the present invention discloses a method for transmitting a letter of credit based on blockchain, and the steps of the method include:

[0047] Step S1. The issuing bank initiates a letter of credit opening transaction, uploads the letter of credit opening transaction information to the chain and broadcasts the notification on the blockchain. The notifying bank stores the letter of credit opening transaction information, issues an opening notification, uploads the opening notification information to the chain and broadcasts the notification on the blockchain.

[0048] In the present invention, the transaction refers to a piece of instruction and data sent to the blockchain that can change the data and status on the chain.

[0049] The process of transaction on-chain is as follows:

[0050] 1. Collect the letter of credit opening transactions and package them into blocks according to the chain data structure;

[0051] 2. The consensus algorithm drives the verification of transactions in the new block to ensure that the calculation results are consistent;

[0052] 3. Broadcast the data to all nodes and store it. Each blockchain node stores a complete copy of the data.

[0053] Step S1 includes the implementation of the issuing bank issuing the letter of credit and the notifying bank issuing the letter of credit notice.

[0054] In this embodiment, the issuing bank issues a domestic letter of credit opening transaction through the international business settlement system or other corresponding systems, generates a pdf file based on the letter of credit opening information, uploads it to the image or file server of the issuing bank, calls the blockchain front-end system to encrypt the transaction information and then reaches a consensus on the chain, broadcasts the notification in the blockchain alliance chain, and uses symmetric and asymmetric encryption and other related algorithms during the process. Only the notifying bank entrusted by the consignee can decrypt the transaction information to ensure transaction security and privacy protection. The blockchain front-end system of the notifying bank decrypts the encrypted information and sends it to the international business settlement system or other corresponding system of the notifying bank. The notifying bank synchronizes the files with the issuing bank from the image or file server of the notifying bank based on the transaction information and downloads them to the international business system or other corresponding system of the notifying bank as needed.

[0055] In this embodiment, after the notifying bank finds that the letter of credit has been issued in the international business settlement system or other corresponding systems, it transmits the notification status and the notifying bank's business reference number and business information in the system, sends it to the blockchain front-end system to encrypt the transaction information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of relevant algorithms such as symmetric and asymmetric encryption, only the issuing bank can decrypt the transaction information and store the business reference number and business information.

[0056] Step S2. The notifying bank issues a document delivery transaction, uploads the document delivery transaction information to the chain and broadcasts the notification on the blockchain. The issuing bank receives the document information and issues document arrival information, uploads the document arrival information to the chain and broadcasts the notification on the blockchain.

[0057] Step S2 includes the implementation of the notifying bank sending the documents and the issuing bank receiving the documents.

[0058] In this embodiment, the notifying bank issues a bill of lading transaction in the international business system or other corresponding systems, and the image of the business document is uploaded to the image or file server of the notifying bank. The blockchain front-end system is called to encrypt the relevant information and then upload it to the chain for consensus. The notification is broadcast on the blockchain alliance chain. Through relevant algorithms such as symmetric and asymmetric encryption algorithms, only the issuing bank can decrypt the transaction information to ensure transaction security and privacy protection. The blockchain front-end system of the issuing bank decrypts the encrypted information and sends it to the international business settlement system or other corresponding systems of the issuing bank. The issuing bank can synchronize the image from the image or file server of the issuing bank with the notifying bank based on the transaction information and download it to the international business system or other corresponding systems of the issuing bank as needed.

[0059] In this embodiment, after receiving the document information, the issuing bank sends the document information in the international business system or other corresponding systems, calls the blockchain front-end system to encrypt the relevant information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of relevant algorithms such as symmetric and asymmetric encryption, only the notifying bank can decrypt the document information.

[0060] Step S3. The issuing bank issues an acceptance transaction, puts the acceptance transaction information on the chain and broadcasts a notification on the blockchain. The notifying bank receives the acceptance transaction information and issues an acceptance notification transaction, puts the acceptance notification transaction information on the chain and broadcasts a notification on the blockchain. The issuing bank receives the acceptance notification transaction information and issues a payment transaction, puts the payment transaction information on the chain and broadcasts a notification on the blockchain. The notifying bank receives the payment and issues a payment status notification information, puts the payment status notification information on the chain and broadcasts a notification on the blockchain.

[0061] Step S3 includes the implementation of the issuing bank's acceptance, the notifying bank's acceptance notice, the issuing bank's payment, and the notifying bank's payment notice.

[0062] In this embodiment, after the applicant provides relevant acceptance information and it is effectively approved, the issuing bank issues an acceptance transaction in the international business system or other corresponding systems, calls the blockchain front-end system to encrypt the relevant information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of relevant algorithms such as symmetric and asymmetric encryption, only the notifying bank can decrypt the acceptance information.

[0063] In this embodiment, after receiving the acceptance information issued by the issuing bank, the notifying bank issues an acceptance notification transaction in the international business system or other corresponding systems, calls the blockchain front-end system to encrypt the relevant information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of relevant algorithms such as symmetric and asymmetric encryption, only the issuing bank can decrypt and save the acceptance notification information.

[0064] In this embodiment, after receiving and processing the acceptance notice information, the issuing bank issues a payment transaction in the international business system or other corresponding systems, calls the blockchain front-end system to encrypt the relevant information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of symmetric, asymmetric encryption and other related algorithms, only the notifying bank can decrypt the payment information. After receiving the payment information, the issuing bank pays the money to the notifying bank through the inter-bank core accounting system.

[0065] In this embodiment, after receiving the payment, the notifying bank sends a notification message of successful payment in the international business system or other corresponding systems, calls the blockchain front-end system to encrypt the relevant information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of relevant algorithms such as symmetric and asymmetric encryption, only the issuing bank can decrypt the notification message of successful payment.

[0066] Step S4. The issuing bank receives the payment status notification information, initiates a closed-book transaction, uploads the closed-book transaction information to the chain and broadcasts the notification on the blockchain.

[0067] In this embodiment, after receiving the notification information of successful payment, the issuing bank issues a closed-book transaction in the international business system or other corresponding systems, calls the blockchain front-end system to encrypt the relevant information and then upload it to the chain for consensus, and broadcasts the notification on the blockchain alliance chain. During this period, with the help of relevant algorithms such as symmetric and asymmetric encryption, only the notifying bank can decrypt the closed-book information.

[0068] In an embodiment of the present invention, a blockchain-based letter of credit transmission method and system according to the present invention are used to build a domestic letter of credit transmission system between banks based on a blockchain alliance chain, which can realize the online, real-time, standardized, and tamper-resistant trustworthiness of the transaction process. At the same time, it improves the security of transactions, speeds up capital turnover, reduces transaction costs, and greatly improves the transaction experience of banks and customers in many aspects. With the help of blockchain technology, encryption algorithms and smart contracts, the privacy and security of transactions are guaranteed, and a business alliance is established through a blockchain network, thereby building industry technical and business standards and specifications.

[0069] like Figure 2 As shown, the embodiment of the present invention discloses a blockchain-based letter of credit transmission system, the structure of which includes:

[0070] The letter of credit opening module is used for the issuing bank to initiate the letter of credit opening transaction, upload the letter of credit opening transaction information to the blockchain and broadcast the notification on the blockchain; the notifying bank stores the letter of credit opening transaction information, issues the letter of credit opening notification, uploads the letter of credit opening notification information to the blockchain and broadcasts the notification on the blockchain;

[0071] The document storage module is used to notify the bank to issue a document delivery transaction, upload the document delivery transaction information to the blockchain and broadcast the notification on the blockchain. The issuing bank receives the document information and issues the document arrival information, uploads the document arrival information to the blockchain and broadcasts the notification on the blockchain.

[0072] The fund transfer module is used for the issuing bank to issue an acceptance transaction, upload the acceptance transaction information to the chain and broadcast the notification on the blockchain, the notifying bank receives the acceptance transaction information and issues an acceptance notification transaction, uploads the acceptance notification transaction information to the chain and broadcasts the notification on the blockchain, the issuing bank receives the acceptance notification transaction information and issues a payment transaction, uploads the payment transaction information to the chain and broadcasts the notification on the blockchain, the notifying bank receives the payment and issues a payment status notification information, uploads the payment status notification information to the chain and broadcasts the notification on the blockchain;

[0073] The transaction completion module is used by the issuing bank to receive payment status notification information, initiate a closed-book transaction, upload the closed-book transaction information to the chain and broadcast the notification on the blockchain.

[0074] By using this system, the above-mentioned operation processing method can be executed and the corresponding technical effects can be achieved.

[0075] An embodiment of the present invention also provides a computer-readable storage medium capable of implementing all the steps in the method in the above embodiment, wherein a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all the steps in the method in the above embodiment are implemented.

[0076] The embodiment of the present invention further provides an electronic device for executing the above method, as a device for implementing the method, and its structure is as follows: Figure 3 As shown, the electronic device 300 includes: a processor 301 and a memory 303. The processor 301 and the memory 303 are connected, such as through a bus 302. Optionally, the electronic device 300 may also include a transceiver 304. It should be noted that in actual applications, the transceiver 304 is not limited to one. It is understandable that the structure illustrated in the embodiment of the present invention does not constitute a specific limitation on the specific structure of the electronic device 300. In other embodiments of the present application, the electronic device 300 may include more or fewer components than shown in the figure, or combine certain components, or split certain components, or arrange the components differently. The illustrated components may be implemented in hardware, software, or a combination of software and hardware. Optionally, the electronic device may also include a display screen 305 for displaying images, or receiving user operation instructions when necessary.

[0077] The processor 301 is applied in the embodiment of the present application to implement the method shown in the above method embodiment. The transceiver 304 may include a receiver and a transmitter. The transceiver 304 is applied in the embodiment of the present application to implement the function of the electronic device of the embodiment of the present application communicating with other devices when executed.

[0078] Processor 301 may be a CPU (Central Processing Unit), a general purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 301 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0079] The processor 301 may also include one or more processing units, for example, the processor 301 may include an application processor (AP), a modem processor, a graphics processor (GPU), an image signal processor (ISP), a controller, a memory, a video codec, a digital signal processor (DSP), a baseband processor, and / or a neural network processor (NPU). Among them, different processing units may be independent devices or integrated into one or more processors. Among them, the controller may be the nerve center and command center of the electronic device 300. The controller may generate an operation control signal according to the instruction opcode and the timing signal to complete the control of fetching and executing instructions. A memory may also be set in the processor 301 for storing instructions and data. In some embodiments, the memory in the processor 301 is a high-speed cache memory. The memory may store instructions or data that the processor 301 has just used or circulated. If the processor 301 needs to use the instruction or data again, it may be directly called from the memory. Repeated access is avoided, the waiting time of the processor 301 is reduced, and the efficiency of the system is improved.

[0080] The processor 301 can run the method provided in the embodiment of the present application. The processor 301 can include different devices. For example, when a CPU and a GPU are integrated, the CPU and the GPU can cooperate to execute the method provided in the embodiment of the present application, for example, part of the algorithm in the method is executed by the CPU, and another part of the algorithm is executed by the GPU to obtain faster processing efficiency.

[0081] The bus 302 may include a path to transmit information between the above components. The bus 302 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus 302 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0082] The memory 303 may be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory), or may include a high-speed random access memory, or may include a non-volatile memory, such as at least one disk storage device, a flash memory device, a universal flash storage (UFS), or other optical disk storage, optical disk storage (including compressed optical disk, laser disk, optical disk, digital versatile disk, Blu-ray disk, etc.), a disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited to this.

[0083] Optionally, the memory 303 is used to store application code for executing the solution of the present application, and the execution is controlled by the processor 301. The processor 301 is used to execute the application code stored in the memory 303 to implement the method provided in any embodiment of the present application.

[0084] The memory 303 can be used to store computer executable program codes, which include instructions. The processor 301 executes various functional applications and data processing of the electronic device 300 by running the instructions stored in the memory 303. The memory 303 may include a program storage area and a data storage area. Among them, the program storage area may store the code of the operating system, application program, etc. The data storage area may store data created during the use of the electronic device 300 (such as images, videos, etc. collected by the camera application), etc.

[0085] The memory 303 may also store one or more computer programs corresponding to the method provided in the embodiment of the present application. The one or more computer programs are stored in the above-mentioned memory 303 and are configured to be executed by the one or more processors 301. The one or more computer programs include instructions, and the above-mentioned instructions can be used to execute each step in the above-mentioned corresponding embodiment.

[0086] Of course, the code of the method provided in the embodiment of the present application can also be stored in an external memory. In this case, the processor 301 can run the code of the method stored in the external memory through the external memory interface, and the processor 301 can control the running process.

[0087] The display screen 305 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode or an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), Miniled, MicroLed, Micro-oLed, a quantum dot light-emitting diode (QLED), etc. In some embodiments, the electronic device 300 may include 1 or N display screens 305, where N is a positive integer greater than 1. The display screen 305 can be used to display information input by a user or information provided to a user and various graphical user interfaces (GUI). For example, the display screen 305 can display photos, videos, web pages, or files.

[0088] The electronic device provided in the embodiment of the present application is applicable to any embodiment of the above method. Therefore, the beneficial effects that can be achieved can refer to the beneficial effects in the corresponding method provided above, which will not be repeated here.

[0089] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0090] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A system that specifies the functions of a box or multiple boxes.

[0091] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction system, which is implemented in the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0092] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps of the functions specified in a box or multiple boxes. Although the preferred embodiments of the present invention have been described, those skilled in the art may make additional changes and modifications to these embodiments once they know the basic creative concept. Therefore, the attached claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0093] The above is only a preferred specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed by the present invention should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A method for transmitting a letter of credit based on blockchain, characterized in that: include: S1. The issuing bank initiates the L / C opening transaction, uploads the L / C opening transaction information to the blockchain and broadcasts the notification on the blockchain. The notifying bank stores the L / C opening transaction information, issues an opening notification, uploads the opening notification information to the blockchain and broadcasts the notification on the blockchain; S2. The notifying bank issues a document delivery transaction, uploads the transaction information to the blockchain and broadcasts the notification on the blockchain. The issuing bank receives the document information and issues a document arrival information, uploads the document arrival information to the blockchain and broadcasts the notification on the blockchain. S3. The issuing bank issues an acceptance transaction, uploads the acceptance transaction information to the blockchain and broadcasts a notification on the blockchain. The notifying bank receives the acceptance transaction information and issues an acceptance notification transaction, uploads the acceptance notification transaction information to the blockchain and broadcasts a notification on the blockchain. The issuing bank receives the acceptance notification transaction information and issues a payment transaction, uploads the payment transaction information to the blockchain and broadcasts a notification on the blockchain. The notifying bank receives the payment and issues a payment status notification information, uploads the payment status notification information to the blockchain and broadcasts a notification on the blockchain. S4. The issuing bank receives the payment status notification information, initiates a closed-book transaction, uploads the closed-book transaction information to the chain and broadcasts the notification on the blockchain.

2. The method according to claim 1, characterized in that S1 includes: generating a PDF file according to the letter of credit opening transaction information, and uploading the PDF file to the issuing bank's server; after the letter of credit opening transaction information is uploaded to the blockchain and the notification is broadcast on the blockchain, the notifying bank synchronizes the PDF file on the issuing bank's server to the notifying bank's server according to the letter of credit opening transaction information; The putting the letter of credit opening transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the letter of credit opening transaction information and then putting it on the chain and broadcasting the notification on the blockchain, and a specific notifying bank decrypts the encrypted information, and the specific notification behavior is entrusted by the notifying bank of the consignee; The issuing of the letter of credit notification, uploading the letter of credit notification information to the chain and broadcasting the notification on the blockchain includes: the notifying bank sends the letter of credit notification information to the blockchain front-end system for encryption and then uploading it to the chain and broadcasting the notification on the blockchain, the issuing bank decrypts the encrypted information and stores the letter of credit notification information, and the letter of credit notification information includes the notification status, the notifying bank's business reference number, and business information.

3. The method according to claim 1, characterized in that S2 includes: uploading the business document image to the notifying bank server; after the document delivery transaction information is uploaded to the blockchain and the notification is broadcasted on the blockchain, the notifying bank server is synchronized with the issuing bank server according to the document delivery transaction information; The putting the bill-of-sale transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the bill-of-sale transaction information and then putting it on the chain and broadcasting the notification on the blockchain, and the issuing bank decrypts the encrypted information; The method of putting the order information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the order information and then putting it on the chain and broadcasting the notification on the blockchain, and the notifying bank decrypts the encrypted information.

4. The method according to claim 1, characterized in that The putting the acceptance transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the acceptance transaction information and then putting it on the chain and broadcasting the notification on the blockchain, and the notifying bank decrypts the encrypted information; The said uploading the acceptance notice transaction information to the blockchain and broadcasting the notification on the blockchain comprises: calling the blockchain front-end system to encrypt the acceptance notice transaction information and then uploading it to the blockchain and broadcasting the notification on the blockchain, and the issuing bank decrypts the encrypted information and saves the acceptance notice transaction information; The putting the payment transaction information on the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the payment transaction information and then putting it on the chain and broadcasting the notification on the blockchain, the notifying bank decrypts the encrypted information, decrypts the payment transaction information, and the issuing bank pays the notifying bank; The method of uploading the payment status notification information to the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the payment status notification information and then uploading it to the chain and broadcasting the notification on the blockchain, and the issuing bank decrypts the encrypted information.

5. The method according to claim 1, characterized in that The method of uploading the closed-book transaction information to the chain and broadcasting the notification on the blockchain includes: calling the blockchain front-end system to encrypt the closed-book transaction information and then uploading it to the chain and broadcasting the notification on the blockchain, and the notifying bank decrypts the encrypted information.

6. The method according to any one of claims 2 to 5, characterized in that Symmetric and asymmetric encryption algorithms are used to encrypt information.

7. A blockchain-based letter of credit transmission system, characterized in that: include: The letter of credit opening module is used for the issuing bank to initiate the letter of credit opening transaction, upload the letter of credit opening transaction information to the blockchain and broadcast the notification on the blockchain; the notifying bank stores the letter of credit opening transaction information, issues the letter of credit opening notification, uploads the letter of credit opening notification information to the blockchain and broadcasts the notification on the blockchain; The document storage module is used to notify the bank to issue a document delivery transaction, upload the document delivery transaction information to the blockchain and broadcast the notification on the blockchain. The issuing bank receives the document information and issues the document arrival information, uploads the document arrival information to the blockchain and broadcasts the notification on the blockchain. The fund transfer module is used for the issuing bank to issue an acceptance transaction, upload the acceptance transaction information to the chain and broadcast the notification on the blockchain, the notifying bank receives the acceptance transaction information and issues an acceptance notification transaction, uploads the acceptance notification transaction information to the chain and broadcasts the notification on the blockchain, the issuing bank receives the acceptance notification transaction information and issues a payment transaction, uploads the payment transaction information to the chain and broadcasts the notification on the blockchain, the notifying bank receives the payment and issues a payment status notification information, uploads the payment status notification information to the chain and broadcasts the notification on the blockchain; The transaction completion module is used by the issuing bank to receive payment status notification information, initiate a closed-book transaction, upload the closed-book transaction information to the chain and broadcast the notification on the blockchain.

8. A computer-readable storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

9. An electronic device, characterized in that: including a processor and a memory; The memory is used to store program instructions; The processor is configured to execute the method according to any one of claims 1 to 6 by calling program instructions.

10. A computer program product comprising a computer program and / or instructions, characterized in that: When the computer program and / or the instructions are executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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