Bank cross-border electronic warrant processing method and device based on 5G message

Abstract

The invention discloses a bank cross-border electronic warrant processing method and device based on a 5G message. The method comprises the following steps: receiving a first 5G message which is submitted by a target applicant on an SIM card terminal and carries a cross-border electronic warrant signing instruction; performing operator authentication on the target application party; the guarantor node is used for performing credit review of a corresponding cross-border electronic warrant signing instruction; generating a cross-border electronic warrant corresponding to the cross-border electronic warrant signing instruction; the financial institution node is used for performing legal examination and approval on the cross-border electronic warrant; writing the legal examination and approval result into a financial institution node; receiving and uploading a second 5G message carrying warranty modification, claim and revocation requests of the cross-border electronic warranty; and the beneficiary node is used for writing the request and the processing result into the block chain network. The method is used for improving the overall efficiency of bank cross-border electronic warrant processing, saving time, reducing cost and improving the execution efficiency and safety of cross-border warrant business.

Description

Technical Field

[0001] The 5G message-based bank cross-border electronic guarantee processing method and device of the present invention can be used in the fields of financial technology and blockchain technology, and can also be used in any field other than the fields of financial technology and blockchain technology. The present invention does not limit the application field of the 5G message-based bank cross-border electronic guarantee processing method and device. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] A cross-border electronic letter of guarantee is an electronic guarantee certificate issued by a bank, insurance company, guarantee company or other guarantor to the beneficiary at the request of the insured. Under the framework of foreign exchange management, a cross-border electronic letter of guarantee belongs to a cross-border guarantee under the meaning of foreign exchange management. A cross-border guarantee refers to a written guarantee made by the guarantor to the creditor, which is legally binding and promises to perform relevant payment obligations in accordance with the guarantee contract and may generate international balance of payments transactions such as cross-border payment and receipt of funds or cross-border transfer of asset ownership.

[0004] However, due to the language restrictions and communication lags of cross-border business, the regulatory approval system for non-cross-border electronic guarantee business cannot be directly used in cross-border electronic guarantee business. Therefore, at this stage, the supervision and approval process of cross-border electronic guarantee business still needs to be managed manually, which is interfered by human factors, affecting the compliance of electronic guarantee business; secondly, the data generated in each link of cross-border electronic guarantee business is restricted by cross-border data flow, resulting in the risk of easy loss and tampering of cross-border electronic guarantee information, making it difficult to ensure the authenticity of cross-border electronic guarantee business data, thus affecting the security of cross-border electronic guarantee business. Summary of the invention

[0005] The embodiment of the present invention provides a bank cross-border electronic guarantee processing method based on 5G messages, wherein the cross-border electronic guarantee participant nodes constitute a blockchain network; the cross-border electronic guarantee participant nodes include: an applicant node, a guarantor node, a financial institution node, and a beneficiary node; the cross-border bank electronic guarantee processing method is used to improve the overall efficiency of the bank's cross-border electronic guarantee processing, save time, reduce costs, and improve the execution efficiency and security of the cross-border guarantee business. The method includes:

[0006] Receive a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, and the attribute information of the applicant, the guarantor and the beneficiary;

[0007] Performing operator authentication on the target applicant according to the attribute information of the cross-border electronic letter of guarantee;

[0008] After the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the corresponding cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: conduct legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee; after the legal review is passed, the legal review result is written into the financial institution node through the smart contract;

[0009] Receive and upload the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee submitted by the target applicant on the SIM card terminal; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract.

[0010] The embodiment of the present invention also provides a bank cross-border electronic guarantee processing device based on 5G messages, and the cross-border electronic guarantee participant nodes constitute a blockchain network; the cross-border electronic guarantee participant nodes include: applicant nodes, guarantor nodes, financial institution nodes and beneficiary nodes; the cross-border bank electronic guarantee processing device is used to improve the overall efficiency of bank cross-border electronic guarantee processing, save time, reduce costs, and improve the execution efficiency and security of cross-border guarantee business. The device includes:

[0011] The first 5G message receiving module is used to: receive a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, and the attribute information of the applicant, the guarantor and the beneficiary;

[0012] An operator authentication module, used to: perform operator authentication on the target applicant according to the attribute information of the cross-border electronic letter of guarantee;

[0013] The signing instruction on-chain module is used to: after the operator authentication is passed, write the cross-border electronic letter of guarantee signing instruction to the applicant node corresponding to the target applicant through a smart contract; the guarantor node is used to: conduct a credit review of the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes for the corresponding cross-border electronic letter of guarantee signing instruction; after the credit review is passed, generate a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction, and write the cross-border electronic letter of guarantee to the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed, write the legal review result into the financial institution node through a smart contract;

[0014] The second 5G message receiving module is used to: receive and upload the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee submitted by the target applicant on the SIM card terminal; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract.

[0015] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned 5G message-based cross-border electronic letter of guarantee processing method when executing the computer program.

[0016] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned bank cross-border electronic letter of guarantee processing method based on 5G messages.

[0017] An embodiment of the present invention also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned bank cross-border electronic letter of guarantee processing method based on 5G messages.

[0018] In the embodiment of the present invention, a blockchain network is formed by nodes of cross-border electronic guarantee participants; the nodes of cross-border electronic guarantee participants include: applicant node, guarantor node, financial institution node and beneficiary node; the cross-border bank electronic guarantee processing method based on 5G message in the embodiment of the present invention includes: receiving a first 5G message carrying a cross-border electronic guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic guarantee signing instruction carries cross-border electronic guarantee attribute information and cross-border electronic guarantee submission legal information; the cross-border electronic guarantee attribute information includes the guarantee content parameters of the cross-border electronic guarantee, as well as the attribute information of the applicant, guarantor and beneficiary; according to the cross The cross-border electronic letter of guarantee attribute information is used to authenticate the target applicant through the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the corresponding cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed , write the legal approval results into the financial institution node through the smart contract; receive and upload the second 5G message submitted by the target applicant on the SIM card terminal carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract. Compared with the traditional technical solution that relies on manual processing of cross-border electronic guarantees by banks, incorporating the operations performed by the nodes of each cross-border electronic guarantee participant into the blockchain network can efficiently and accurately complete the verification of processes such as cross-border electronic guarantee signing instructions, credit review and legal approval, thereby improving the overall efficiency of bank cross-border electronic guarantee processing, saving time and reducing costs; using blockchain technology to ensure that data cannot be tampered with, improve the authenticity and reliability of cross-border electronic guarantees, and avoid risks such as fraud and tampering that may occur during the circulation process; at the same time, using 5G message technology to realize real-time transmission of electronic guarantee information, further improve transmission efficiency, and improve the execution efficiency and security of cross-border guarantee business. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0020] Figure 1 This is a flow chart of a method for processing a cross-border electronic letter of guarantee by a bank based on 5G messages in an embodiment of the present invention;

[0021] Figure 2 This is a specific example diagram of a method for processing a cross-border electronic letter of guarantee of a bank based on 5G messages in an embodiment of the present invention;

[0022] Figure 3 This is a specific example diagram of a method for processing a cross-border electronic letter of guarantee of a bank based on 5G messages in an embodiment of the present invention;

[0023] Figure 4 This is a specific example diagram of a method for processing a cross-border electronic letter of guarantee of a bank based on 5G messages in an embodiment of the present invention;

[0024] Figure 5 This is a schematic diagram of the structure of a bank cross-border electronic letter of guarantee processing device based on 5G messages in an embodiment of the present invention;

[0025] Figure 6 This is a specific example diagram of a method for processing a cross-border electronic letter of guarantee of a bank based on 5G messages in an embodiment of the present invention;

[0026] Figure 7 This is a schematic diagram of a computer device used for processing cross-border electronic bank guarantees based on 5G messages in an embodiment of the present invention. DETAILED DESCRIPTION

[0027] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0028] The term "and / or" herein only describes an association relationship, indicating that three relationships may exist. For example, A and / or B may represent the following three situations: A exists alone, A and B exist at the same time, and B exists alone. In addition, the term "at least one" herein represents any combination of at least two of any one or more of a plurality of. For example, including at least one of A, B, and C may represent including any one or more elements selected from the set consisting of A, B, and C.

[0029] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps is not limited and can be appropriately adjusted as needed.

[0030] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0031] A cross-border electronic letter of guarantee is an electronic guarantee certificate issued by a bank, insurance company, guarantee company or other guarantor to the beneficiary upon the request of the insured. This certificate is regarded as a form of cross-border guarantee under the foreign exchange management framework. A cross-border guarantee refers to a written, legally binding commitment by the guarantor to the creditor to fulfill the relevant payment obligations in accordance with the guarantee contract, and may generate international balance of payments transactions such as cross-border payment and receipt of funds or cross-border transfer of asset ownership.

[0032] However, the supervision of cross-border electronic guarantee business faces a series of challenges. First, due to the language restrictions and communication lags of cross-border business, the regulatory approval system for non-cross-border electronic guarantee business cannot be directly applied to cross-border electronic guarantee business. As a result, the supervision and approval process of cross-border electronic guarantee business still needs to adopt manual methods at this stage, which is easily interfered by human factors and affects the compliance of electronic guarantee business.

[0033] Secondly, the data generated in each link of the cross-border electronic guarantee business is at risk of being lost and tampered with due to the restrictions on cross-border data flow. This situation makes it difficult to ensure the authenticity of the cross-border electronic guarantee information, further affecting the security of the business. This phenomenon may not only damage the interests of the relevant entities, but also have an adverse impact on the stability and development of the financial market.

[0034] In order to solve the above problems, the embodiment of the present invention provides a bank cross-border electronic guarantee processing method based on 5G messages, which is used to improve the overall efficiency of bank cross-border electronic guarantee processing, save time, reduce costs, and improve the execution efficiency and security of cross-border guarantee business. Figure 1 , the method may include:

[0035] Step 101: receiving a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by a target applicant on a SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, and the attribute information of the applicant, the guarantor and the beneficiary;

[0036] Step 102: Performing operator authentication on the target applicant according to the attribute information of the cross-border electronic letter of guarantee;

[0037] Step 103: After the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: conduct legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee; after the legal review is passed, the legal review result is written into the financial institution node through the smart contract;

[0038] Step 104: Receive and upload the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee submitted by the target applicant on the SIM card terminal; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract.

[0039] In addition, the embodiment of the present invention provides an example of establishing a blockchain network to improve the overall efficiency of bank cross-border electronic guarantee processing, save time, reduce costs, and improve the execution efficiency and security of cross-border guarantee business. Figure 1 , the nodes of the cross-border electronic guarantee participants constitute a blockchain network; the nodes of the cross-border electronic guarantee participants include: applicant nodes, guarantor nodes, financial institution nodes and beneficiary nodes, and the blockchain network may include:

[0040] Applicant node: receiving the first 5G message carrying the cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, as well as the attribute information of the applicant, guarantor and beneficiary; according to the cross-border electronic letter of guarantee attribute information, the target applicant is authenticated by the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract;

[0041] Guarantor node: conducts a credit review of the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes and the corresponding cross-border electronic letter of guarantee signing instructions; after the credit review is passed, generates a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instructions, and writes the cross-border electronic letter of guarantee to the guarantor node;

[0042] Financial institution node: Based on the legal information submitted for review of the cross-border electronic letter of guarantee, the node conducts legal review of the cross-border electronic letter of guarantee; after the legal review is passed, the node writes the legal review result into the financial institution node through the smart contract;

[0043] Beneficiary node: writes the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to a 5G message carrying a request for modification, claim and cancellation of the cross-border electronic letter of guarantee, issues a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receives the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; writes the request and the processing result into the blockchain network based on a smart contract.

[0044] Specifically, after receiving the 5G message submitted by the target applicant, the applicant node will first parse the message to extract the attribute information of the cross-border electronic letter of guarantee and the relevant information of the applicant, guarantor and beneficiary. Then, based on this information, the target applicant will be authenticated by the operator. After the authentication is passed, the applicant node will write the cross-border electronic letter of guarantee signing instruction into the corresponding applicant node.

[0045] Specifically, the guarantor node will receive the cross-border electronic guarantee attribute information from different applicant nodes and conduct a credit review on this information. After the credit review is passed, the guarantor node will generate the corresponding cross-border electronic guarantee and write the electronic guarantee to the guarantor node.

[0046] Specifically, the financial institution node conducts legal review of the cross-border electronic letter of guarantee based on the submitted legal information of the electronic letter of guarantee. After approval, the financial institution node will write the legal review result to the financial institution node.

[0047] Specifically, the beneficiary node will receive the beneficiary's 5G confirmation information for the cross-border electronic letter of guarantee. When receiving a 5G message requesting to modify, claim, or revoke a letter of guarantee, the beneficiary node will issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request. After receiving the processing result, the beneficiary node will write the request and processing result into the blockchain network based on the smart contract.

[0048] This 5G-based bank cross-border electronic guarantee processing method can greatly improve business processing efficiency and save time and costs. At the same time, the use of blockchain technology and smart contracts can ensure the security and reliability of cross-border electronic guarantees. On this basis, all parties involved can communicate in real time through 5G messages to further optimize business processes and improve service quality. In addition, through credit review and legal approval, risks can be reduced and the legitimate rights and interests of all parties can be protected.

[0049] In the embodiment of the present invention, a blockchain network is formed by nodes of cross-border electronic guarantee participants; the nodes of cross-border electronic guarantee participants include: applicant node, guarantor node, financial institution node and beneficiary node; the cross-border bank electronic guarantee processing method based on 5G message in the embodiment of the present invention includes: receiving a first 5G message carrying a cross-border electronic guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic guarantee signing instruction carries cross-border electronic guarantee attribute information and cross-border electronic guarantee submission legal information; the cross-border electronic guarantee attribute information includes the guarantee content parameters of the cross-border electronic guarantee, as well as the attribute information of the applicant, guarantor and beneficiary; according to the cross The cross-border electronic letter of guarantee attribute information is used to authenticate the target applicant through the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the corresponding cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed , write the legal approval results into the financial institution node through the smart contract; receive and upload the second 5G message submitted by the target applicant on the SIM card terminal carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract. Compared with the traditional technical solution that relies on manual processing of cross-border electronic guarantees by banks, incorporating the operations performed by the nodes of each cross-border electronic guarantee participant into the blockchain network can efficiently and accurately complete the verification of processes such as cross-border electronic guarantee signing instructions, credit review and legal approval, thereby improving the overall efficiency of bank cross-border electronic guarantee processing, saving time and reducing costs; using blockchain technology to ensure that data cannot be tampered with, improve the authenticity and reliability of cross-border electronic guarantees, and avoid risks such as fraud and tampering that may occur during the circulation process; at the same time, using 5G message technology to realize real-time transmission of electronic guarantee information, further improve transmission efficiency, and improve the execution efficiency and security of cross-border guarantee business.

[0050] During the specific implementation, the applicant node receives the first 5G message submitted by the target applicant on the SIM card terminal carrying the cross-border electronic letter of guarantee signing instruction; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the cross-border electronic letter of guarantee content parameters, and the attribute information of the applicant, guarantor and beneficiary; according to the cross-border electronic letter of guarantee attribute information, the target applicant is authenticated by the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract.

[0051] In an embodiment, the 5G message also includes a cross-border electronic guarantee signing agreement between the applicant and the target applicant, which includes specific contents such as the guarantee amount, guarantee period, and guarantee type. After receiving the cross-border electronic guarantee signing instruction, the applicant node will parse the instruction and extract the guarantee attribute information and legal information.

[0052] Next, the applicant node will compare the extracted guarantee attribute information with the existing database to ensure the authenticity of the applicant. After confirming the identity of the applicant, the applicant node will submit the guarantee legal information to the legal review department for review. After the review is passed, the applicant node will store the cross-border electronic guarantee signing instructions and related legal documents on the blockchain to ensure the legal effect of the guarantee.

[0053] After the signing instructions are written into the blockchain, the applicant node will send a successful signing notification to the applicant. At the same time, the applicant node will also synchronize the successful signing information to the guarantor and the beneficiary so that they can understand the latest status of the letter of guarantee. If any problems arise during the signing process, the applicant node will take appropriate measures based on the type and severity of the problem, such as prompting the applicant to modify the content of the letter of guarantee or resubmit the application.

[0054] In addition, the embodiment also involves a management system for cross-border electronic letters of guarantee, which includes an applicant node, a guarantor node, and a beneficiary node. Each node cooperates with each other through smart contracts to achieve rapid signing, review, payment, and cancellation of cross-border electronic letters of guarantee. Through this decentralized management method, not only can operational risks be reduced, but also the efficiency of handling letter of guarantee business can be improved.

[0055] In one embodiment, the applicant node receives the first 5G message carrying the cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal, such as Figure 2 As shown, including:

[0056] Step 201: The applicant node receives a 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal via a preset customer SIM card; the SIM card terminal is used to send a 5G message carrying a cross-border electronic letter of guarantee signing instruction to the applicant node based on the 5G message technology;

[0057] According to the attribute information of the cross-border electronic letter of guarantee, the target applicant is authenticated by an operator, including:

[0058] Step 202: Obtain bank reservation information associated with the target applicant from a database corresponding to the applicant node;

[0059] Step 203: Based on the bank reserved information and the cross-border electronic letter of guarantee attribute information, the target applicant is authenticated by an operator.

[0060] In the above embodiment, the applicant node further writes the cross-border electronic letter of guarantee signing instruction into the memory of the applicant node corresponding to the target applicant for subsequent query and management. At the same time, the applicant node also sends the cross-border electronic letter of guarantee signing instruction to the guarantor node and the beneficiary node so that they can understand and confirm the content of the letter of guarantee.

[0061] In another embodiment, after receiving the 5G message submitted by the target applicant, the applicant node first parses the message to extract the cross-border electronic guarantee attribute information and the cross-border electronic guarantee submission legal information. Then, according to the cross-border electronic guarantee attribute information, the target applicant is authenticated by the operator. After the authentication is passed, the cross-border electronic guarantee signing instruction is written into the database of the applicant node corresponding to the target applicant using smart contract technology.

[0062] In addition, in a specific embodiment, the applicant node can also monitor the execution of the cross-border electronic letter of guarantee in real time, including but not limited to the validity period of the letter of guarantee, the performance of the guarantor, etc. Through 5G message technology, the applicant node can send monitoring information to the applicant, guarantor and beneficiary in a timely manner so that they can understand the real-time status of the letter of guarantee.

[0063] In one embodiment, the applicant node writes the cross-border electronic letter of guarantee signing instruction to the applicant node corresponding to the target applicant through a smart contract, such as Figure 3 As shown, including:

[0064] Step 301: The applicant node generates a set of public and private key pairs corresponding to the cross-border electronic letter of guarantee signing instruction based on asymmetric encryption technology;

[0065] Step 302: Encrypt the cross-border electronic letter of guarantee signing instruction with the public key in the public-private key pair to obtain a ciphertext corresponding to the cross-border electronic letter of guarantee signing instruction;

[0066] Step 303: Through the smart contract, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant.

[0067] In the above embodiment, after the applicant node receives the cross-border electronic letter of guarantee signing instruction, a series of processes will be carried out to ensure the legitimacy and authenticity of the letter of guarantee. First, the applicant node will perform operator authentication on the target applicant based on the cross-border electronic letter of guarantee attribute information. The purpose of this step is to confirm the identity of the target applicant and ensure the authenticity of the contracting entity.

[0068] After the operator authentication is passed, the applicant node will write the cross-border electronic letter of guarantee signing instructions to the applicant node of the corresponding target applicant through the smart contract. This process includes the following steps:

[0069] First, the applicant node will generate a set of public and private key pairs corresponding to the cross-border electronic letter of guarantee signing instructions based on asymmetric encryption technology. Asymmetric encryption technology can ensure the secure transmission of information and prevent the information from being illegally tampered with during the transmission process.

[0070] Next, the applicant node will encrypt the cross-border electronic letter of guarantee signing instruction with the public key in the public-private key pair to obtain the ciphertext of the corresponding cross-border electronic letter of guarantee signing instruction. The purpose of this step is to protect the security of the letter of guarantee signing instruction and prevent unauthorized access and tampering.

[0071] Finally, the applicant node will write the cross-border electronic letter of guarantee signing instructions to the applicant node of the corresponding target applicant through the smart contract. Smart contract is an automatically executed program that can ensure the accurate execution of the signing instructions, while reducing the possibility of manual intervention and improving the efficiency and security of the signing process.

[0072] In this process, the operations of the applicant node are based on pre-set rules and processes. These rules and processes are designed to ensure the legitimacy and authenticity of the cross-border electronic letter of guarantee and protect the legitimate rights and interests of all parties. At the same time, the applicant node will also take necessary security measures, such as data encryption and permission control, to prevent illegal access and data leakage. Through the above steps, the applicant node can efficiently and safely complete the signing of the cross-border electronic letter of guarantee. This not only helps to improve the efficiency of cross-border business, but also helps to reduce cross-border risks and promote the healthy development of the cross-border economy.

[0073] During specific implementation, the guarantor node conducts a credit review of the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes and the corresponding cross-border electronic letter of guarantee signing instructions; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instructions is generated, and the cross-border electronic letter of guarantee is written to the guarantor node.

[0074] In the embodiment, after receiving the cross-border electronic guarantee attribute information from the applicant node, the guarantor node will conduct a strict credit review. This process includes verifying the integrity, authenticity, and legality of the received electronic guarantee information, as well as evaluating the credit record, financial status, and operating status of the applicant node. Only after the credit review is passed will the guarantor node generate the corresponding cross-border electronic guarantee signing instruction.

[0075] After generating the cross-border electronic letter of guarantee signing instructions, the guarantor node will send these instructions to the corresponding applicant node. These instructions include the amount, term, guarantee scope, guarantee liability and other related information of the letter of guarantee. After receiving these instructions, the applicant node needs to confirm the contents of the instructions and send the instructions back to the guarantor node after confirming that they are correct.

[0076] Next, the guarantor node will file the cross-border electronic letter of guarantee signing instructions returned by the applicant node and write these instructions into the database of the guarantor node. This process is not only for the internal management needs of the guarantor node, but also to ensure the legality and validity of the cross-border electronic letter of guarantee. In this process, the guarantor node also needs to regularly review and maintain the registered cross-border electronic letter of guarantee to ensure the continued validity of the letter of guarantee.

[0077] During the execution of the cross-border electronic letter of guarantee signing instructions, if there is a problem, the guarantor node needs to intervene in time to handle it. This includes verifying the breach of contract by the applicant node and taking corresponding remedial measures according to the actual situation. At the same time, the guarantor node also needs to supervise the performance of the cross-border electronic letter of guarantee to ensure that the applicant node fulfills its obligations as agreed.

[0078] In one embodiment, the guarantor node performs a credit review of the corresponding cross-border electronic letter of guarantee signing instructions on the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes, such as Figure 4 As shown, including:

[0079] Step 401: The guarantor corresponding to the guarantor node receives the private key in the public-private key pair sent by the applicant corresponding to the applicant node through a 5G message;

[0080] Step 402: The guarantor node decrypts the ciphertext obtained from the target applicant using the private key;

[0081] Step 403: Based on the cross-border electronic letter of guarantee attribute information in the decrypted ciphertext, a credit review of the corresponding cross-border electronic letter of guarantee signing instruction is performed.

[0082] In the above embodiment, after completing the credit review, the guarantor node will generate the corresponding cross-border electronic letter of guarantee signing instruction. The specific operations are as follows:

[0083] 1. The guarantor node generates a cross-border electronic letter of guarantee signing instruction based on the cross-border electronic letter of guarantee attribute information provided by the applicant node.

[0084] 2. Send the generated cross-border electronic letter of guarantee signing instruction to the applicant node so that the applicant node can perform corresponding operations according to the instruction.

[0085] 3. After receiving the cross-border electronic letter of guarantee signing instruction, the applicant node shall perform corresponding operations according to the instruction content, including but not limited to: providing the private key required for the guarantee to the guarantor node, and encrypting relevant information using the public key provided by the guarantor node.

[0086] In one embodiment, the execution process of a cross-border electronic letter of guarantee includes the following steps:

[0087] 1. The applicant node encrypts relevant information using the public key provided by the guarantor node according to the cross-border electronic letter of guarantee signing instructions.

[0088] 2. The encrypted information is sent to the guarantor node, which decrypts it using the corresponding private key.

[0089] 3. The guarantor node supervises and audits the operations of the applicant node based on the decrypted information.

[0090] 4. After the review is passed, the guarantor's node will write the decrypted information into the cross-border electronic letter of guarantee, and write the cross-border electronic letter of guarantee into the guarantor's node.

[0091] During specific implementation, the financial institution node conducts legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee; after the legal review is passed, the legal review result is written into the financial institution node through a smart contract.

[0092] In the embodiment, after receiving the legal information of the cross-border electronic letter of guarantee, the financial institution node will conduct a detailed legal review of the electronic letter of guarantee to ensure its legality and compliance. During the legal review process, the financial institution node will refer to relevant laws and regulations and conduct a strict review of the terms and conditions in the electronic letter of guarantee. In addition, the financial institution node will also verify the signing of the electronic letter of guarantee to ensure the authenticity and validity of the letter of guarantee.

[0093] After the legal approval is passed, the financial institution node will write the legal approval results into the smart contract. In this process, the financial institution node needs to ensure that the programming of the smart contract is correct to ensure the accurate transmission of the approval results. The legal approval results written into the smart contract will serve as an important basis for subsequent business processing, including but not limited to the performance and payment of the letter of guarantee. Next, the financial institution node will carry out subsequent business processing of the electronic letter of guarantee according to the provisions of the smart contract. For example, the financial institution node will provide the applicant with corresponding financial services based on the type and purpose of the electronic letter of guarantee. In this process, the financial institution node needs to strictly perform operations in accordance with the provisions of the smart contract to ensure the compliance and security of business processing.

[0094] In one embodiment, the financial institution node performs legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee, including:

[0095] The financial institution corresponding to the financial institution node receives the private key of the public-private key pair sent by the applicant corresponding to the applicant node through a 5G message;

[0096] The financial institution node decrypts the ciphertext obtained from the target applicant using the private key;

[0097] Based on the legal information on the cross-border electronic letter of guarantee submitted for review in the decrypted ciphertext, legal review of the cross-border electronic letter of guarantee is carried out.

[0098] In one embodiment, after receiving the legal information of the cross-border electronic letter of guarantee, the financial institution node will perform the following steps:

[0099] First, the financial institution node receives the private key submitted by the applicant corresponding to the applicant node through 5G messaging or other communication methods. This private key is used to encrypt the legal information of the cross-border electronic letter of guarantee for review, and the financial institution node needs to use this private key to decrypt the information for review.

[0100] Next, the financial institution node uses the received private key to decrypt the encrypted cross-border electronic letter of guarantee obtained from the applicant node. The decrypted information contains the specific content of the cross-border electronic letter of guarantee and the legal information submitted for review.

[0101] Then, the financial institution node conducts legal review of the cross-border electronic letter of guarantee based on the decrypted legal information submitted for review. This step mainly includes the compliance review of the content of the letter of guarantee, as well as the authenticity and legality review of the submitted legal information.

[0102] After the legal review is passed, the financial institution node will write the legal review results into the smart contract. This not only ensures the legal validity of the cross-border electronic letter of guarantee, but also realizes the transparency and automation of the entire process.

[0103] In addition, financial institution nodes can further publicize the approval results on the blockchain network for other nodes to query. This method improves the security and publicity of information and helps reduce financial risks.

[0104] In summary, this blockchain-based method of processing legal information for cross-border electronic letters of guarantee can effectively improve the approval efficiency of financial institutions, reduce financial risks, and ensure the fairness and transparency of approval.

[0105] In actual applications, the above operation process can be adjusted according to specific circumstances. For example, after receiving the private key, the financial institution node can first verify the private key to ensure its legitimacy. When decrypting the cross-border electronic letter of guarantee, multi-key encryption technology can be used to improve the security of information. In the legal approval process, a third-party legal service agency can be introduced to conduct professional review of the cross-border electronic letter of guarantee. These adjustments can further enhance the application value of blockchain in the cross-border electronic letter of guarantee business.

[0106] In one embodiment, the financial institution node can conduct a risk assessment on the cross-border electronic letter of guarantee based on the guarantee content parameters. This step can be done by using big data analysis and artificial intelligence technology to conduct a comprehensive assessment of the applicant's credit status, the guarantor's ability, and the beneficiary's reputation. After the risk assessment is completed, the assessment results are written into the financial institution node.

[0107] The financial institution node generates the guarantee execution process, including the issuance, delivery, execution and termination of the guarantee. According to different business needs and laws and regulations, the financial institution node can automatically adjust the guarantee execution process through smart contracts to ensure the legality and compliance of the guarantee. The financial institution node synchronizes the execution status of the cross-border electronic guarantee to the blockchain network in real time. In this way, all participants can view the status of the guarantee in real time through the blockchain network, which is convenient for supervising and managing the execution process of the guarantee.

[0108] During the execution of the letter of guarantee, if there are requests for modification, claim or revocation, the applicant, guarantor, financial institution and beneficiary can communicate and negotiate through 5G messages. The negotiation results can be automatically updated to the blockchain network through smart contracts, so that all parties can understand the latest situation. After the execution of the cross-border electronic letter of guarantee, all parties can evaluate and provide feedback on the letter of guarantee business through 5G messages. These evaluation and feedback information will be stored in the blockchain network to provide reference for the subsequent optimization of the letter of guarantee processing process.

[0109] During specific implementation, the beneficiary node writes the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to a 5G message carrying a request for modification, claim and cancellation of the cross-border electronic letter of guarantee, it issues a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receives the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; and writes the request and the processing result into the blockchain network based on a smart contract.

[0110] In the embodiment, after the beneficiary node writes the beneficiary's 5G confirmation information of the cross-border electronic letter of guarantee, the system will encrypt it to ensure the security of the information. Subsequently, the system will respond to the 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee, and issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with it.

[0111] After receiving the request processing instruction, the associated cross-border electronic letter of guarantee participant node will process the request and feedback the processing results to the system. The system will integrate these requests and processing results and write them into the blockchain network according to the rules of the smart contract.

[0112] In this way, the entire cross-border electronic guarantee business process can be completely and securely recorded on the blockchain, ensuring the authenticity and traceability of the data. At the same time, through the efficient transmission of 5G technology, the entire business process is more convenient and efficient.

[0113] In the above embodiment, the 5G message may be a 5G short message, a 5G instant messaging message or other forms of 5G communication messages. The beneficiary can receive the 5G confirmation information of the cross-border electronic letter of guarantee through the 5G messaging platform, thereby verifying the accuracy and authenticity of the letter of guarantee. After confirmation, the beneficiary can write the confirmation information into the blockchain network to further ensure the validity of the letter of guarantee.

[0114] In another embodiment, 5G messages are used to process requests for modification, claim, and cancellation of cross-border electronic letters of guarantee. When these requests are received, the system will issue a request processing instruction to the corresponding cross-border electronic letter of guarantee participant node. After receiving the request processing instruction, the participant node will process the request and send the processing result back to the system.

[0115] After receiving the processing results, the system will write them together with the original request into the blockchain network based on the smart contract. This method can ensure the openness and transparency of all operations, and facilitate supervision and audit by all parties. At the same time, the immutability of the blockchain network also ensures the security and reliability of the data.

[0116] In the above embodiment, all operations can be performed through 5G messages, including confirmation, modification, claim and cancellation of the letter of guarantee, etc. This method greatly improves the efficiency of the letter of guarantee operation, reduces the operation cost, and ensures the openness and transparency of the operation and the security and reliability of the data.

[0117] In addition, the signing and verification of cross-border electronic letters of guarantee can also be carried out through the 5G messaging platform. Beneficiaries and participating parties can receive electronic letters of guarantee through 5G messaging and sign them. The signed letter of guarantee can be written into the blockchain network to ensure its validity. When the letter of guarantee needs to be verified, all parties can verify it through the 5G messaging platform to ensure the authenticity and accuracy of the letter of guarantee.

[0118] In general, through the combination of 5G messaging and blockchain technology, the full process management of cross-border electronic letters of guarantee can be achieved, including confirmation, modification, claims, revocation, signing and verification of letters of guarantee. This method not only improves the efficiency of letter of guarantee operations and reduces costs, but also ensures the openness and transparency of operations and the security and reliability of data, providing strong protection for cross-border trade.

[0119] In specific implementation, the cross-border electronic letter of guarantee participant nodes also include:

[0120] Arbitrator nodes are used to:

[0121] Scan any node of the applicant, guarantor, financial institution, and beneficiary;

[0122] When a 5G message carrying a claim for a cross-border electronic letter of guarantee and a request to cancel a letter of guarantee is scanned from any node, the claim and the request to cancel the letter of guarantee are arbitrated based on the cross-border electronic letter of guarantee attribute information, the cross-border electronic letter of guarantee submission legal information, and the cross-border electronic letter of guarantee and legal approval results obtained from the blockchain network;

[0123] Broadcast the arbitration results to any node in the blockchain network.

[0124] In the above embodiment, the cross-border electronic guarantee system may further include the following functions:

[0125] 1. Smart contract executor node: This node is responsible for automatically executing the corresponding smart contract based on the attribute information and legal approval results of the cross-border electronic letter of guarantee. For example, when the applicant node submits a claim request that complies with the regulations, the smart contract executor node will automatically trigger the compensation process to ensure that all parties perform their contractual obligations as agreed.

[0126] 2. Supervisory node: This node is responsible for supervising the operation of the entire cross-border electronic guarantee system to ensure that all participants comply with laws, regulations and business rules. The supervisory node can obtain data in the blockchain network in real time, monitor and warn of abnormal situations, and take measures to prevent the spread of risks when necessary.

[0127] 3. Auditor Node: This node is responsible for auditing the financial data of the cross-border electronic guarantee system to ensure the security and compliance of funds. Auditor nodes can regularly review transaction records in the blockchain network and promptly provide rectification suggestions to relevant parties if problems are found.

[0128] 4. Cross-border electronic letter of guarantee platform node: This node is responsible for providing one-stop services such as application, review, issuance, and claims for cross-border electronic letters of guarantee to all participating parties. The platform node can be connected with external systems such as other financial institutions, legal service agencies, and logistics companies to achieve information sharing and business collaboration, and improve the operational efficiency of the entire cross-border electronic letter of guarantee system.

[0129] The specific operation process is as follows Figure 6 As shown, this may include:

[0130] 1.The applicant submits a letter of guarantee application on the cross-border electronic letter of guarantee platform and provides relevant documents.

[0131] 2. The guarantor node reviews the applicant's qualifications and issues a cross-border electronic letter of guarantee after confirmation.

[0132] 3. The financial institution node provides financing services to the applicant based on the attribute information of the cross-border electronic letter of guarantee.

[0133] 4. After receiving the cross-border electronic letter of guarantee, the beneficiary node conducts business cooperation with the applicant.

[0134] 5. When the business is completed, the applicant initiates a claim request through the cross-border electronic letter of guarantee platform node.

[0135] 6. The smart contract executor node automatically executes the corresponding smart contract based on the attribute information and claim request of the cross-border electronic letter of guarantee to complete the compensation process.

[0136] 7. If a dispute occurs, the arbitration node will arbitrate the claims of each party and broadcast the results to any node in the blockchain network.

[0137] 8. The supervisory node and the auditor’s node supervise and audit the operation of the entire cross-border electronic letter of guarantee system to ensure business compliance, security and efficiency.

[0138] Through the above implementation methods, the present invention realizes the intelligence, automation and transparency of the cross-border electronic guarantee system, and reduces the operational risks in the traditional cross-border guarantee business.

[0139] The following two examples of the above-mentioned cross-border bank electronic guarantee processing method based on 5G messages are given in combination with specific application scenarios:

[0140] Example 1: Assume that a domestic company A exports goods to a foreign company B. To ensure the smooth transaction, company A needs to provide a cross-border electronic guarantee to company B. The cross-border bank electronic guarantee processing method based on 5G messages is adopted, and the steps are as follows:

[0141] 1. Applicant node: An employee of Company A submits a 5G message carrying the cross-border electronic letter of guarantee signing instruction on the SIM card terminal. After receiving the message, the applicant node performs operator authentication and verifies the qualifications of Company A.

[0142] 2. Guarantor node: The guarantor node receives the cross-border electronic letter of guarantee signing instruction sent by the applicant node and conducts a credit review. After the review is passed, a cross-border electronic letter of guarantee is generated and written into the guarantor node.

[0143] 3. Financial institution node: The financial institution node conducts legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review. After approval, the legal review result is written into the financial institution node.

[0144] 4. Beneficiary node: After receiving the cross-border electronic letter of guarantee, Enterprise B submits 5G confirmation information on the SIM card terminal. After receiving the confirmation information, the beneficiary node begins to perform the letter of guarantee obligations.

[0145] 5. Arbitrator node: If a dispute occurs, any enterprise can initiate an arbitration request to the arbitrator node. The arbitrator node conducts arbitration based on the cross-border electronic letter of guarantee attribute information, submitted legal information, legal approval results, etc. in the blockchain network, and broadcasts the arbitration results to any node in the blockchain network.

[0146] In addition, the above examples may also include:

[0147] 6. Cross-departmental collaboration: 5G messages are used to achieve efficient and secure communication between the nodes of each participant to ensure the smooth progress of cross-border electronic guarantee business. At the same time, the distributed ledger of blockchain technology is used to improve the security and credibility of the business. Through smart contracts, business processes can be automated and standardized to reduce operational risks and labor costs. In the arbitration process, the decentralized nature of blockchain ensures the fairness and justice of the arbitration results.

[0148] 7. Regulatory agency node: The regulatory agency node can monitor the entire cross-border electronic guarantee business process in real time to ensure the compliance of the business. When necessary, the regulatory agency node can review the nodes of each participant to ensure the normal operation of the business.

[0149] Throughout the entire process, all participating nodes communicate efficiently and securely through 5G messages to ensure the smooth progress of cross-border electronic guarantee business. At the same time, the distributed ledger based on blockchain technology makes information difficult to be tampered with, improving the security and credibility of the business. Through smart contracts, the automation and standardization of business processes are achieved, reducing operational risks and labor costs. In the arbitration process, the decentralized nature of blockchain ensures the fairness and justice of the arbitration results.

[0150] Example 2: Assume that a domestic financial institution C wants to provide a cross-border electronic letter of guarantee to a foreign financial institution D to ensure the smooth conduct of financial business between the two parties. The cross-border bank electronic letter of guarantee processing method based on 5G messages is adopted, and the steps are as follows:

[0151] 1. Applicant node: An employee of domestic financial institution C submits a 5G message carrying the cross-border electronic letter of guarantee signing instruction on the SIM card terminal. After receiving the message, the applicant node performs operator authentication and verifies the qualifications of financial institution C.

[0152] 2. Guarantor node: The guarantor node receives the cross-border electronic letter of guarantee signing instruction sent by the applicant node and conducts a credit review. After the review is passed, a cross-border electronic letter of guarantee is generated and written into the guarantor node.

[0153] 3. Financial institution node: The financial institution node conducts legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review. After approval, the legal review result is written into the financial institution node.

[0154] 4. Beneficiary node: After receiving the cross-border electronic letter of guarantee, the foreign financial institution D submits the 5G confirmation information on the SIM card terminal. After receiving the confirmation information, the beneficiary node begins to perform the letter of guarantee obligations.

[0155] 5. Arbitrator node: If a dispute occurs, any financial institution can initiate an arbitration request to the arbitrator node. The arbitrator node conducts arbitration based on the cross-border electronic letter of guarantee attribute information, submitted legal information, legal approval results, etc. in the blockchain network, and broadcasts the arbitration results to any node in the blockchain network.

[0156] Throughout the entire process, all participating nodes communicate efficiently and securely through 5G messages to ensure the smooth progress of cross-border electronic guarantee business. At the same time, the distributed ledger based on blockchain technology makes information difficult to be tampered with, improving the security and credibility of the business. Through smart contracts, the automation and standardization of business processes are achieved, reducing operational risks and labor costs. In the arbitration process, the decentralized nature of blockchain ensures the fairness and justice of the arbitration results.

[0157] The embodiment of the present invention also provides another example of bank cross-border electronic letter of guarantee processing as follows:

[0158] This example uses a blockchain sharing platform to sign a cross-border guarantee, and combines 5G technology to achieve real-time transmission of electronic guarantee information, online modification, claims and revocation, etc., which improves the efficiency and security of cross-border trade. At the same time, using blockchain technology and 5G technology, the present invention provides a convenient and reliable solution for various cross-border businesses, which has important practical value and market prospects.

[0159] In this example, the legal information submitted for review of a cross-border electronic letter of guarantee includes: the number of the legal matter submitted for review; the financial institution node can control whether legal review is exempted, and provide it to the process for subsequent investigation, review, review and approval links; if legal review is selected to be exempted in the electronic signing system of the financial institution node, the legal review exemption process will be followed in the signing system, and a basis for legal review exemption will be automatically selected; the financial institution node can query whether the letter of guarantee under the current letter of guarantee agreement has been subject to legal review or is exempted from legal review.

[0160] When the financial institution node is collecting foreign trade bills, the mobile phone numbers of all parties are recorded, and 5G message cards are sent according to the mobile phone numbers. Message reminders are provided at each step, and real-time monitoring and registration of goods and funds are carried out. In the process of collecting foreign trade bills, the system determines whether it is an important document, whether it is an online banking instruction, and whether the current application transaction is the first transaction. After the consignee confirms receipt of the goods, the system automatically generates a release notice and a physical document out-of-box application, notifies the bank for approval, and transfers the funds to the corresponding account on a batch day.

[0161] The embodiment of the present invention also provides an example of a scheme for establishing the above blockchain network as follows:

[0162] 1. Construction of blockchain network: First, select a suitable blockchain platform, such as Ethereum, Hyperledger, etc., as the basic technical framework. On this basis, build a blockchain network for cross-border electronic letter of guarantee processing, including applicant nodes, guarantor nodes, financial institution nodes and beneficiary nodes.

[0163] 2. Node joining and identity verification: Each node needs to go through a strict identity verification process to ensure that only legitimate participants can join the blockchain network. The identity verification process can include operator authentication, financial institution authentication, etc., depending on the roles and responsibilities of each node.

[0164] 3. Smart contract writing and deployment: In order to realize the various functions of cross-border electronic guarantee processing, multiple smart contracts need to be written. These contracts should cover the creation, modification, cancellation, and claims of cross-border electronic guarantees. After writing, the smart contracts are deployed to the corresponding nodes.

[0165] 4.5G message transmission security encryption: To ensure the secure transmission of data during the cross-border electronic guarantee process, 5G message transmission technology is used and security encryption measures are added. For example, asymmetric encryption technology is used to generate public and private key pairs to encrypt and decrypt the transmitted data.

[0166] 5. Data storage and management: Each node needs to store and manage data related to the processing of cross-border electronic letters of guarantee. Such data includes but is not limited to the attribute information of cross-border electronic letters of guarantee, legal information submitted for review, legal approval results, etc. In order to ensure the security and reliability of data, distributed storage technology can be used.

[0167] 6. Cross-chain communication and interoperability: In order to realize cross-border electronic guarantee processing between different blockchain networks, it is necessary to study and implement cross-chain communication and interoperability technologies. This can be achieved through cross-chain protocols, side chain technologies, etc.

[0168] 7. System monitoring and maintenance: To ensure the normal operation of the blockchain network, the system needs to be monitored and maintained in real time, including checking the operating status of each node, handling abnormal situations, and updating smart contracts.

[0169] 8. User interface design: In order to facilitate users to use the cross-border electronic letter of guarantee processing system, a simple and easy-to-use user interface needs to be designed. Users can conveniently submit cross-border electronic letter of guarantee signing instructions, query processing results, etc. through SIM card terminals, mobile applications, etc.

[0170] When building a cross-border electronic guarantee processing system, relevant laws and regulations should be strictly observed to ensure business compliance. Through the above solution, an efficient, secure and compliant cross-border electronic guarantee processing system can be built to provide convenient cross-border electronic guarantee services for all participants.

[0171] In the embodiment of the present invention, a blockchain network is formed by nodes of cross-border electronic guarantee participants; the nodes of cross-border electronic guarantee participants include: applicant node, guarantor node, financial institution node and beneficiary node; the cross-border bank electronic guarantee processing method based on 5G message in the embodiment of the present invention includes: receiving a first 5G message carrying a cross-border electronic guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic guarantee signing instruction carries cross-border electronic guarantee attribute information and cross-border electronic guarantee submission legal information; the cross-border electronic guarantee attribute information includes the guarantee content parameters of the cross-border electronic guarantee, as well as the attribute information of the applicant, guarantor and beneficiary; according to the cross The cross-border electronic letter of guarantee attribute information is used to authenticate the target applicant through the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the corresponding cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed , write the legal approval results into the financial institution node through the smart contract; receive and upload the second 5G message submitted by the target applicant on the SIM card terminal carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract. Compared with the traditional technical solution that relies on manual processing of cross-border electronic guarantees by banks, incorporating the operations performed by the nodes of each cross-border electronic guarantee participant into the blockchain network can efficiently and accurately complete the verification of processes such as cross-border electronic guarantee signing instructions, credit review and legal approval, thereby improving the overall efficiency of bank cross-border electronic guarantee processing, saving time and reducing costs; using blockchain technology to ensure that data cannot be tampered with, improve the authenticity and reliability of cross-border electronic guarantees, and avoid risks such as fraud and tampering that may occur during the circulation process; at the same time, using 5G message technology to realize real-time transmission of electronic guarantee information, further improve transmission efficiency, and improve the execution efficiency and security of cross-border guarantee business.

[0172] The embodiment of the present invention also provides a bank cross-border electronic guarantee processing device based on 5G messages, as described in the following embodiment. Since the principle of solving the problem by the device is similar to the bank cross-border electronic guarantee processing method based on 5G messages, the implementation of the device can refer to the implementation of the bank cross-border electronic guarantee processing method based on 5G messages, and the repeated parts will not be repeated.

[0173] The embodiment of the present invention provides a bank cross-border electronic guarantee processing device based on 5G messages, and the cross-border electronic guarantee participant nodes constitute a blockchain network; the cross-border electronic guarantee participant nodes include: applicant nodes, guarantor nodes, financial institution nodes and beneficiary nodes; the cross-border bank electronic guarantee processing device is used to improve the overall efficiency of bank cross-border electronic guarantee processing, save time, reduce costs, and improve the execution efficiency and security of cross-border guarantee business. The device is as follows Figure 5 As shown, including:

[0174] The first 5G message receiving module 501 is used to: receive a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, and the attribute information of the applicant, the guarantor and the beneficiary;

[0175] The operator authentication module 502 is used to: perform operator authentication on the target applicant according to the attribute information of the cross-border electronic letter of guarantee;

[0176] The signing instruction on-chain module 503 is used to: after the operator authentication is passed, write the cross-border electronic letter of guarantee signing instruction to the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes for the corresponding cross-border electronic letter of guarantee signing instruction; after the credit review is passed, generate a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction, and write the cross-border electronic letter of guarantee to the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed, write the legal review result into the financial institution node through the smart contract;

[0177] The second 5G message receiving module 504 is used to: receive and upload the second 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee submitted by the target applicant on the SIM card terminal; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract.

[0178] In one embodiment, the applicant node receives a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on a SIM card terminal, including:

[0179] The applicant node receives a 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal via a preset customer SIM card; the SIM card terminal is used to send a 5G message carrying a cross-border electronic letter of guarantee signing instruction to the applicant node based on the 5G message technology;

[0180] According to the attribute information of the cross-border electronic letter of guarantee, the target applicant is authenticated by an operator, including:

[0181] Obtaining bank reservation information associated with the target applicant from a database corresponding to the applicant node;

[0182] Based on the bank reserved information and the cross-border electronic letter of guarantee attribute information, the target applicant is authenticated by an operator.

[0183] In one embodiment, the applicant node writes the cross-border electronic letter of guarantee signing instruction to the applicant node corresponding to the target applicant through a smart contract, including:

[0184] The applicant node generates a set of public and private key pairs corresponding to the cross-border electronic letter of guarantee signing instructions based on asymmetric encryption technology;

[0185] Encrypting the cross-border electronic letter of guarantee signing instruction with the public key in the public-private key pair to obtain a ciphertext corresponding to the cross-border electronic letter of guarantee signing instruction;

[0186] Through the smart contract, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant.

[0187] In one embodiment, the guarantor node performs a credit review of the corresponding cross-border electronic letter of guarantee signing instructions on the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes, including:

[0188] The guarantor corresponding to the guarantor node receives the private key in the public-private key pair sent by the applicant corresponding to the applicant node through a 5G message;

[0189] The guarantor node decrypts the ciphertext obtained from the target applicant using the private key;

[0190] Based on the cross-border electronic letter of guarantee attribute information in the decrypted ciphertext, a credit review of the corresponding cross-border electronic letter of guarantee signing instruction is performed.

[0191] In one embodiment, the financial institution node performs legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee, including:

[0192] The financial institution corresponding to the financial institution node receives the private key of the public-private key pair sent by the applicant corresponding to the applicant node through a 5G message;

[0193] The financial institution node decrypts the ciphertext obtained from the target applicant using the private key;

[0194] Based on the legal information on the cross-border electronic letter of guarantee submitted for review in the decrypted ciphertext, legal review of the cross-border electronic letter of guarantee is carried out.

[0195] In one embodiment, the cross-border electronic letter of guarantee participant node further includes:

[0196] Arbitrator nodes are used to:

[0197] Scan any node of the applicant, guarantor, financial institution, and beneficiary;

[0198] When a 5G message carrying a claim for a cross-border electronic letter of guarantee and a request to cancel a letter of guarantee is scanned from any node, the claim and the request to cancel the letter of guarantee are arbitrated based on the cross-border electronic letter of guarantee attribute information, the cross-border electronic letter of guarantee submission legal information, and the cross-border electronic letter of guarantee and legal approval results obtained from the blockchain network;

[0199] Broadcast the arbitration results to any node in the blockchain network.

[0200] An embodiment of the present invention provides an embodiment of a computer device for implementing all or part of the contents of the above-mentioned cross-border electronic letter of guarantee processing method based on 5G messages. The computer device specifically includes the following contents:

[0201] Processor, memory, communication interface and bus; wherein the processor, memory and communication interface communicate with each other through the bus; the communication interface is used to realize information transmission between related devices; the computer device can be a desktop computer, a tablet computer and a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the computer device can be implemented with reference to the embodiment of the method for implementing the cross-border electronic letter of guarantee processing of a bank based on 5G messages and the embodiment of the device for implementing the cross-border electronic letter of guarantee processing of a bank based on 5G messages, and the contents thereof are incorporated herein and the repeated parts are not repeated.

[0202] Figure 7 1 is a schematic block diagram of the system structure of the computer device 1000 according to an embodiment of the present application. Figure 7 As shown, the computer device 1000 may include a central processor 1001 and a memory 1002; the memory 1002 is coupled to the central processor 1001. It is worth noting that Figure 7 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0203] In one embodiment, the bank cross-border electronic guarantee processing function based on 5G messages can be integrated into the central processor 1001. The central processor 1001 can be configured to perform the following control:

[0204] The applicant node receives the first 5G message carrying the cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, as well as the attribute information of the applicant, guarantor and beneficiary; according to the cross-border electronic letter of guarantee attribute information, the target applicant is authenticated by the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract;

[0205] The guarantor node conducts a credit review of the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes and the corresponding cross-border electronic letter of guarantee signing instructions; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instructions is generated, and the cross-border electronic letter of guarantee is written to the guarantor node;

[0206] The financial institution node conducts legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee; after the legal review is passed, the legal review result is written into the financial institution node through the smart contract;

[0207] The beneficiary node writes the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to a 5G message carrying a request for modification, claim and cancellation of the cross-border electronic letter of guarantee, it issues a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receives the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; and writes the request and the processing result into the blockchain network based on a smart contract.

[0208] In another embodiment, the bank's cross-border electronic letter of guarantee processing device based on 5G messages can be configured separately from the central processor 1001. For example, the bank's cross-border electronic letter of guarantee processing device based on 5G messages can be configured as a chip connected to the central processor 1001, and the bank's cross-border electronic letter of guarantee processing function based on 5G messages can be realized through the control of the central processor.

[0209] like Figure 7 As shown, the computer device 1000 may also include: a communication module 1003, an input unit 1004, an audio processor 1005, a display 1006, and a power supply 1007. It is worth noting that the computer device 1000 does not necessarily have to include Figure 7 In addition, the computer device 1000 may also include Figure 7 For components not shown, reference may be made to the prior art.

[0210] like Figure 7 As shown, the central processor 1001 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The central processor 1001 receives inputs and controls the operations of various components of the computer device 1000 .

[0211] The memory 1002 may be, for example, a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, or one or more thereof. The above-mentioned information related to the failure may be stored, and a program for executing the related information may also be stored. The central processing unit 1001 may execute the program stored in the memory 1002 to implement information storage or processing, etc.

[0212] The input unit 1004 provides input to the CPU 1001. The input unit 1004 is, for example, a key or a touch input device. The power supply 1007 is used to provide power to the computer device 1000. The display 1006 is used to display display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0213] The memory 1002 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 1002 may also be some other type of device. The memory 1002 includes a buffer memory 1021 (sometimes referred to as a buffer). The memory 1002 may include an application / function storage unit 1022, which is used to store application programs and function programs or processes for executing the operation of the computer device 1000 through the central processor 1001.

[0214] The memory 1002 may also include a data storage unit 1023 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the computer device. The driver storage unit 1024 of the memory 1002 may include various drivers for the computer device for communication functions and / or for executing other functions of the computer device (such as messaging applications, address book applications, etc.).

[0215] The communication module 1003 is a transmitter / receiver 1003 that sends and receives signals via the antenna 1008. The communication module (transmitter / receiver) 1003 is coupled to the central processor 1001 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0216] Based on different communication technologies, multiple communication modules 1003 may be provided in the same computer device, such as a cellular network module, a Bluetooth module and / or a wireless local area network module, etc. The communication module (transmitter / receiver) 1003 is also coupled to a speaker 1009 and a microphone 1010 via an audio processor 1005 to provide an audio output via the speaker 1009 and receive an audio input from the microphone 1010, thereby realizing a common telecommunication function. The audio processor 1005 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 1005 is also coupled to the central processor 1001, so that recording can be performed on the local machine through the microphone 1010, and the sound stored on the local machine can be played through the speaker 1009.

[0217] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned bank cross-border electronic letter of guarantee processing method based on 5G messages.

[0218] An embodiment of the present invention also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned bank cross-border electronic letter of guarantee processing method based on 5G messages.

[0219] In the embodiment of the present invention, a blockchain network is formed by nodes of cross-border electronic guarantee participants; the nodes of cross-border electronic guarantee participants include: applicant node, guarantor node, financial institution node and beneficiary node; the cross-border bank electronic guarantee processing method based on 5G message in the embodiment of the present invention includes: receiving a first 5G message carrying a cross-border electronic guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic guarantee signing instruction carries cross-border electronic guarantee attribute information and cross-border electronic guarantee submission legal information; the cross-border electronic guarantee attribute information includes the guarantee content parameters of the cross-border electronic guarantee, as well as the attribute information of the applicant, guarantor and beneficiary; according to the cross The cross-border electronic letter of guarantee attribute information is used to authenticate the target applicant through the operator; after the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the corresponding cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed , write the legal approval results into the financial institution node through the smart contract; receive and upload the second 5G message submitted by the target applicant on the SIM card terminal carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the modification, claim and cancellation request of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract. Compared with the traditional technical solution that relies on manual processing of cross-border electronic guarantees by banks, incorporating the operations performed by the nodes of each cross-border electronic guarantee participant into the blockchain network can efficiently and accurately complete the verification of processes such as cross-border electronic guarantee signing instructions, credit review and legal approval, thereby improving the overall efficiency of bank cross-border electronic guarantee processing, saving time and reducing costs; using blockchain technology to ensure that data cannot be tampered with, improve the authenticity and reliability of cross-border electronic guarantees, and avoid risks such as fraud and tampering that may occur during the circulation process; at the same time, using 5G message technology to realize real-time transmission of electronic guarantee information, further improve transmission efficiency, and improve the execution efficiency and security of cross-border guarantee business.

[0220] 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.

[0221] 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 device that provides the functions specified in a block or multiple blocks.

[0222] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0223] 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 A step that specifies a function in one or more boxes.

[0224] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for processing cross-border electronic letters of guarantee based on 5G messages, characterized in that: The nodes of the cross-border electronic guarantee participants constitute a blockchain network; the nodes of the cross-border electronic guarantee participants include: applicant nodes, guarantor nodes, financial institution nodes and beneficiary nodes; the cross-border bank electronic guarantee processing method, applied to the applicant node, includes: Receive a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, and the attribute information of the applicant, the guarantor and the beneficiary; Performing operator authentication on the target applicant according to the attribute information of the cross-border electronic letter of guarantee; After the operator authentication is passed, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through the smart contract; the guarantor node is used to: conduct a credit review of the corresponding cross-border electronic letter of guarantee signing instruction for the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes; after the credit review is passed, a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction is generated, and the cross-border electronic letter of guarantee is written into the guarantor node; the financial institution node is used to: conduct legal review of the cross-border electronic letter of guarantee based on the legal information submitted for review of the cross-border electronic letter of guarantee; after the legal review is passed, the legal review result is written into the financial institution node through the smart contract; Receive and upload the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee submitted by the target applicant on the SIM card terminal; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract.

2. The method according to claim 1, characterized in that Receive the first 5G message carrying the cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal, including: Receiving a 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal via a pre-set customer SIM card; the SIM card terminal is used to send a 5G message carrying a cross-border electronic letter of guarantee signing instruction to the applicant node based on the 5G message technology; According to the attribute information of the cross-border electronic letter of guarantee, the target applicant is authenticated by an operator, including: Obtaining bank reservation information associated with the target applicant from a database corresponding to the applicant node; Based on the bank reserved information and the cross-border electronic letter of guarantee attribute information, the target applicant is authenticated by an operator.

3. The method according to claim 1, characterized in that The cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant through a smart contract, including: Based on asymmetric encryption technology, generate a set of public and private key pairs corresponding to the cross-border electronic letter of guarantee signing instructions; Encrypting the cross-border electronic letter of guarantee signing instruction with the public key in the public-private key pair to obtain a ciphertext corresponding to the cross-border electronic letter of guarantee signing instruction; Through the smart contract, the cross-border electronic letter of guarantee signing instruction is written into the applicant node corresponding to the target applicant.

4. The method according to claim 3, characterized in that The guarantor node is specifically used for: The corresponding guarantor receives the private key of the public-private key pair sent by the applicant corresponding to the applicant node through a 5G message; Decrypting the ciphertext obtained from the target applicant using the private key; Based on the cross-border electronic letter of guarantee attribute information in the decrypted ciphertext, a credit review of the corresponding cross-border electronic letter of guarantee signing instruction is performed.

5. The method according to claim 3, characterized in that The financial institution node is specifically used for: The corresponding financial institution receives the private key of the public-private key pair sent by the applicant corresponding to the applicant node through a 5G message; Decrypting the ciphertext obtained from the target applicant using the private key; Based on the legal information submitted for review of the cross-border electronic letter of guarantee in the decrypted ciphertext, legal review of the cross-border electronic letter of guarantee is carried out.

6. The method according to claim 1, characterized in that The cross-border electronic letter of guarantee participant nodes also include: Arbitrator nodes are used to: Scan any node of the applicant, guarantor, financial institution, and beneficiary; When a 5G message carrying a claim for a cross-border electronic letter of guarantee and a request to cancel a letter of guarantee is scanned from any node, the claim and the request to cancel the letter of guarantee are arbitrated based on the cross-border electronic letter of guarantee attribute information, the cross-border electronic letter of guarantee submission legal information, and the cross-border electronic letter of guarantee and legal approval results obtained from the blockchain network; Broadcast the arbitration results to any node in the blockchain network.

7. A bank cross-border electronic letter of guarantee processing device based on 5G messages, characterized in that: The nodes of the cross-border electronic guarantee participants constitute a blockchain network; the nodes of the cross-border electronic guarantee participants include: applicant nodes, guarantor nodes, financial institution nodes and beneficiary nodes; the cross-border bank electronic guarantee processing device, applied to the applicant node, includes: The first 5G message receiving module is used to: receive a first 5G message carrying a cross-border electronic letter of guarantee signing instruction submitted by the target applicant on the SIM card terminal; the cross-border electronic letter of guarantee signing instruction carries the cross-border electronic letter of guarantee attribute information and the cross-border electronic letter of guarantee submission legal information; the cross-border electronic letter of guarantee attribute information includes the letter of guarantee content parameters of the cross-border electronic letter of guarantee, and the attribute information of the applicant, the guarantor and the beneficiary; An operator authentication module, used to: perform operator authentication on the target applicant according to the attribute information of the cross-border electronic letter of guarantee; The signing instruction on-chain module is used to: after the operator authentication is passed, write the cross-border electronic letter of guarantee signing instruction to the applicant node corresponding to the target applicant through a smart contract; the guarantor node is used to: conduct a credit review of the cross-border electronic letter of guarantee attribute information obtained from different applicant nodes for the corresponding cross-border electronic letter of guarantee signing instruction; after the credit review is passed, generate a cross-border electronic letter of guarantee corresponding to the cross-border electronic letter of guarantee signing instruction, and write the cross-border electronic letter of guarantee to the guarantor node; the financial institution node is used to: based on the legal information submitted for review of the cross-border electronic letter of guarantee, conduct legal review of the cross-border electronic letter of guarantee; after the legal review is passed, write the legal review result into the financial institution node through a smart contract; The second 5G message receiving module is used to: receive and upload the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee submitted by the target applicant on the SIM card terminal; the beneficiary node is used to: write the beneficiary's 5G confirmation information on the cross-border electronic letter of guarantee; in response to the second 5G message carrying the request for modification, claim and cancellation of the cross-border electronic letter of guarantee, issue a request processing instruction to the cross-border electronic letter of guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic letter of guarantee participant node on the request processing instruction; write the request and the processing result into the blockchain network based on the smart contract.

8. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 6 is implemented.

9. A computer-readable storage medium, characterized in that: The computer-readable 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.

10. A computer program product, characterized in that The computer program product comprises 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.

Images