Bank cross-border electronic guarantee processing method and device based on 5g message

Abstract

The application discloses a bank cross-border electronic guarantee processing method and device based on a 5G message, and the method comprises the following steps: receiving a first 5G message carrying a cross-border electronic guarantee signing instruction submitted by a target applicant on a SIM card terminal; performing operator authentication on the target applicant; a guarantor node is used for performing corresponding credit review of the cross-border electronic guarantee signing instruction; a cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction is generated; a financial institution node is used for performing legal examination and approval on the cross-border electronic guarantee; the legal examination and approval result is written into the financial institution node; a second 5G message carrying a modification, claim and guarantee revocation request of the cross-border electronic guarantee is received and uploaded; a beneficiary node is used for writing the request and the processing result into the blockchain network. The application is used to improve the overall efficiency of the bank cross-border electronic guarantee processing, save time, reduce cost, improve the execution efficiency and safety of the cross-border guarantee business.

Description

Technical Field

[0001] The method and apparatus for processing cross-border electronic guarantees for banks based on 5G messaging 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 method and apparatus for processing cross-border electronic guarantees for banks based on 5G messaging. Background Technology

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The description herein is not an admission that it is prior art simply because it is included in this section.

[0003] A cross-border electronic guarantee is an electronic guarantee issued by a bank, insurance company, guarantee company, or other guarantor to the beneficiary at the request of the policyholder. Under the framework of foreign exchange management, a cross-border electronic guarantee falls under the category of cross-border guarantees. A cross-border guarantee refers to a legally binding written guarantee made by a guarantor to a creditor, promising to fulfill relevant payment obligations as stipulated in the guarantee contract, and potentially resulting in international balance of payments transactions such as cross-border fund receipts and payments or cross-border transfer of asset ownership.

[0004] However, due to language barriers and communication delays in cross-border business, the regulatory and approval systems for non-cross-border electronic guarantee business cannot be directly applied to cross-border electronic guarantee business. Therefore, the current regulatory and approval processes for cross-border electronic guarantee business still rely on manual methods, which are susceptible to human interference, affecting the compliance of electronic guarantee business. Secondly, the data generated at each stage of cross-border electronic guarantee business is subject to restrictions on cross-border data flow, making cross-border electronic guarantee information vulnerable to loss and tampering, thus compromising the authenticity of cross-border electronic guarantee data and impacting the security of cross-border electronic guarantee business. Summary of the Invention

[0005] This invention provides a method for processing cross-border electronic guarantees for banks based on 5G messaging. The participating nodes in the cross-border electronic guarantee constitute a blockchain network. These nodes include: an applicant node, a guarantor node, a financial institution node, and a beneficiary node. This method aims to improve the overall efficiency of cross-border electronic guarantee processing, save time, reduce costs, and enhance the execution efficiency and security of cross-border guarantee business. The method includes:

[0006] The system receives a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor and beneficiary;

[0007] Based on the aforementioned cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant;

[0008] After the operator's authentication is passed, the cross-border electronic guarantee signing instruction is written to the applicant node corresponding to the target applicant via a smart contract. The guarantor node is used to: conduct credit checks on the cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, generate the cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction, and write the cross-border electronic guarantee to the guarantor node; the financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after the legal approval is passed, write the legal approval result to the financial institution node via a smart contract.

[0009] The system receives and uploads a second 5G message submitted by the target applicant on a SIM card terminal, carrying requests for modification, claim, and revocation of a cross-border electronic guarantee. The beneficiary node is configured to: write the beneficiary's 5G confirmation information regarding the cross-border electronic guarantee; respond to the second 5G message carrying requests for modification, claim, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic guarantee participant node on the request processing instruction; and write the request and the processing result into the blockchain network based on a smart contract.

[0010] This invention also provides a 5G messaging-based cross-border electronic guarantee processing device for banks, where the participating nodes of the cross-border electronic guarantee constitute a blockchain network; the participating 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 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 submitted by the target applicant on the SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor and beneficiary;

[0012] The operator authentication module is used to: authenticate the target applicant's operator based on the cross-border electronic guarantee attribute information;

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

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

[0015] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the above-described method for processing cross-border electronic guarantees for banks based on 5G messages.

[0016] This invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the above-described method for processing cross-border electronic guarantees for banks based on 5G messages.

[0017] This invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described method for processing cross-border electronic guarantees for banks based on 5G messages.

[0018] In this embodiment of the invention, a blockchain network is formed by nodes of participating parties in a cross-border electronic guarantee; the nodes of participating parties in a cross-border electronic guarantee include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes; the cross-border electronic guarantee processing method based on 5G messages in this embodiment of the invention includes: receiving a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor, and beneficiary; according to the cross-border... The system uses the cross-border electronic guarantee attribute information to authenticate the target applicant with a mobile operator. After successful operator authentication, a smart contract is used to write the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant. The guarantor node is used to: conduct credit checks on the corresponding cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, a cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction is generated and written to the guarantor node. The financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after legal approval is passed... The system uses smart contracts to write legal approval results into financial institution nodes; receives and uploads a second 5G message submitted by the target applicant on a SIM card terminal, carrying requests for modification, claims, and revocation of cross-border electronic guarantees; the beneficiary node is used to: write 5G confirmation information of the beneficiary regarding the cross-border electronic guarantee; respond to the second 5G message carrying requests for modification, claims, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participant nodes associated with the request; receive the processing results of the associated cross-border electronic guarantee participant nodes regarding the request processing instruction; and write the request and the processing results into the blockchain network based on a smart contract. Compared to traditional technical solutions that rely on manual processing for the legal review of cross-border electronic guarantees by banks, incorporating the operations of each participating node in a cross-border electronic guarantee into a blockchain network enables efficient and accurate verification of processes such as cross-border electronic guarantee signing instructions, credit reviews, and legal approvals. This improves the overall efficiency of cross-border electronic guarantee processing, saves time, and reduces costs. Furthermore, blockchain technology ensures data immutability, enhancing the authenticity and reliability of cross-border electronic guarantees and mitigating risks such as forgery and tampering during the transfer process. Simultaneously, 5G messaging technology enables real-time transmission of electronic guarantee information, further improving transmission efficiency and enhancing the execution efficiency and security of cross-border guarantee business. Attached Figure Description

[0019] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0020] Figure 1 This is a flowchart illustrating a method for processing cross-border electronic guarantees for banks based on 5G messaging, as described in an embodiment of the present invention.

[0021] Figure 2 This is a specific example diagram of a method for processing cross-border electronic guarantees for banks based on 5G messaging, as described in an embodiment of the present invention.

[0022] Figure 3 This is a specific example diagram of a method for processing cross-border electronic guarantees for banks based on 5G messaging, as described in an embodiment of the present invention.

[0023] Figure 4 This is a specific example diagram of a method for processing cross-border electronic guarantees for banks based on 5G messaging, as described in an embodiment of the present invention.

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

[0025] Figure 6 This is a specific example diagram of a method for processing cross-border electronic guarantees for banks based on 5G messaging, as described 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 guarantees for banks based on 5G messages, as described in an embodiment of the present invention. Detailed Implementation

[0027] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the illustrative 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] In this document, the term "and / or" merely describes a relationship, indicating that three relationships can exist. For example, A and / or B can represent three cases: A alone, A and B simultaneously, and B alone. Furthermore, the term "at least one" in this document means any combination of at least two of any one or more elements. For example, including at least one of A, B, and C can mean 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 "comprising," "including," "having," and "containing" are open-ended terms, meaning that they include but are not limited to. The terms "an embodiment," "a specific embodiment," "some embodiments," and "for example," etc., refer to specific features, structures, or characteristics described in connection with that embodiment or example that are included in at least one embodiment or example of this application. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, or characteristics described can be combined in any suitable manner in one or more embodiments or examples. The order of steps involved in the various embodiments is used to illustrate the implementation of this application, and the order of steps is not limited and can be adjusted appropriately as needed.

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

[0031] A cross-border electronic 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 policyholder. Under the foreign exchange management framework, this certificate is considered a form of cross-border guarantee. A cross-border guarantee refers to a legally binding written guarantee made by a guarantor to a creditor, promising to fulfill relevant payment obligations as stipulated in the guarantee contract, and potentially resulting in international balance of payments transactions such as cross-border fund receipts and payments or cross-border transfer of asset ownership.

[0032] However, the regulation of cross-border electronic guarantee business faces a series of challenges. First, due to language barriers and communication delays in cross-border transactions, the regulatory and approval systems for non-cross-border electronic guarantee business cannot be directly applied to cross-border electronic guarantee business. This means that the current regulatory and approval processes for cross-border electronic guarantee business still require manual methods, making them susceptible to human interference and affecting the compliance of electronic guarantee business.

[0033] Secondly, the data generated at each stage of cross-border electronic guarantee transactions is susceptible to loss and tampering due to restrictions on cross-border data transfer. This makes it difficult to guarantee the authenticity of cross-border electronic guarantee information, further affecting the security of the transaction. This phenomenon may not only harm the interests of relevant parties but also adversely affect the stability and development of the financial market.

[0034] To address the aforementioned issues, this invention provides a 5G messaging-based method for processing cross-border electronic guarantees for banks. This method aims to improve the overall efficiency of cross-border electronic guarantee processing, save time, reduce costs, and enhance the execution efficiency and security of cross-border guarantee transactions. (See also...) Figure 1 The method may include:

[0035] Step 101: Receive the first 5G message submitted by the target applicant on the SIM card terminal, which carries a cross-border electronic guarantee signing instruction; 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;

[0036] Step 102: Based on the cross-border electronic guarantee attribute information, perform operator authentication on the target applicant;

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

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

[0039] Furthermore, this embodiment of the invention provides an example of establishing a blockchain network to improve the overall efficiency of cross-border electronic guarantee processing in banks, save time, reduce costs, and enhance the execution efficiency and security of cross-border guarantee business. See [link to relevant documentation]. Figure 1 The cross-border electronic guarantee participating nodes constitute a blockchain network; the cross-border electronic guarantee participating nodes include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes, and the blockchain network may include:

[0040] The applicant node receives a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction. The cross-border electronic guarantee signing instruction carries cross-border electronic guarantee attribute information and legal information for review. The cross-border electronic guarantee attribute information includes guarantee content parameters, as well as attribute information of the applicant, guarantor, and beneficiary. Based on the cross-border electronic guarantee attribute information, the target applicant undergoes operator authentication. After successful operator authentication, the cross-border electronic guarantee signing instruction is written to the corresponding applicant node via a smart contract.

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

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

[0043] Beneficiary node: Writes the beneficiary's 5G confirmation information for the cross-border electronic guarantee; responds to a 5G message carrying a request for modification, claim, or revocation of the cross-border electronic guarantee, sends a request processing instruction to the cross-border electronic guarantee participant node associated with the request; receives the processing result of the request processing instruction from the associated cross-border electronic guarantee participant node; and 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 first parses the message to extract the attribute information of the cross-border electronic guarantee, as well as relevant information about the applicant, guarantor, and beneficiary. Then, based on this information, it performs operator authentication on the target applicant. After successful authentication, the applicant node writes the cross-border electronic guarantee signing instruction to the corresponding applicant node.

[0045] Specifically, the guarantor node receives cross-border electronic guarantee attribute information from different applicant nodes and conducts credit checks on this information. Once the credit check is passed, the guarantor node generates the corresponding cross-border electronic guarantee and writes the electronic guarantee to the guarantor node.

[0046] Specifically, the financial institution node conducts legal review of the electronic guarantee based on the submitted legal information. Once approved, the financial institution node records the legal review result.

[0047] Specifically, the beneficiary node receives 5G confirmation messages from the beneficiary regarding the cross-border electronic guarantee. Upon receiving a 5G message requesting modification, claim, or revocation of the guarantee, the beneficiary node issues a request processing instruction to the related cross-border electronic guarantee participant nodes. After receiving the processing result, the beneficiary node writes the request and processing result into the blockchain network based on a smart contract.

[0048] This 5G-based method for processing cross-border electronic guarantees by banks can significantly improve business processing efficiency, saving time and costs. Simultaneously, leveraging blockchain technology and smart contracts ensures the security and reliability of cross-border electronic guarantees. Furthermore, all participating parties can communicate in real-time via 5G messaging, further optimizing business processes and improving service quality. In addition, credit checks and legal approvals can mitigate risks and protect the legitimate rights and interests of all parties.

[0049] In this embodiment of the invention, a blockchain network is formed by nodes of participating parties in a cross-border electronic guarantee; the nodes of participating parties in a cross-border electronic guarantee include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes; the cross-border electronic guarantee processing method based on 5G messages in this embodiment of the invention includes: receiving a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor, and beneficiary; according to the cross-border... The system uses the cross-border electronic guarantee attribute information to authenticate the target applicant with a mobile operator. After successful operator authentication, a smart contract is used to write the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant. The guarantor node is used to: conduct credit checks on the corresponding cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, a cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction is generated and written to the guarantor node. The financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after legal approval is passed... The system uses smart contracts to write legal approval results into financial institution nodes; receives and uploads a second 5G message submitted by the target applicant on a SIM card terminal, carrying requests for modification, claims, and revocation of cross-border electronic guarantees; the beneficiary node is used to: write 5G confirmation information of the beneficiary regarding the cross-border electronic guarantee; respond to the second 5G message carrying requests for modification, claims, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participant nodes associated with the request; receive the processing results of the associated cross-border electronic guarantee participant nodes regarding the request processing instruction; and write the request and the processing results into the blockchain network based on a smart contract. Compared to traditional technical solutions that rely on manual processing for the legal review of cross-border electronic guarantees by banks, incorporating the operations of each participating node in a cross-border electronic guarantee into a blockchain network enables efficient and accurate verification of processes such as cross-border electronic guarantee signing instructions, credit reviews, and legal approvals. This improves the overall efficiency of cross-border electronic guarantee processing, saves time, and reduces costs. Furthermore, blockchain technology ensures data immutability, enhancing the authenticity and reliability of cross-border electronic guarantees and mitigating risks such as forgery and tampering during the transfer process. Simultaneously, 5G messaging technology enables real-time transmission of electronic guarantee information, further improving transmission efficiency and enhancing the execution efficiency and security of cross-border guarantee business.

[0050] In practice, the applicant node receives a first 5G message from the target applicant on its SIM card terminal, carrying a cross-border electronic guarantee signing instruction. This instruction carries cross-border electronic guarantee attribute information and legal information for review. The attribute information includes the guarantee content parameters and the attribute information of the applicant, guarantor, and beneficiary. Based on this attribute information, the target applicant undergoes operator authentication. After successful operator authentication, the cross-border electronic guarantee signing instruction is written to the corresponding applicant node via a smart contract.

[0051] In this embodiment, the 5G message also includes a cross-border electronic guarantee agreement between the applicant and the target applicant, which includes specific details such as the guarantee amount, guarantee period, and guarantee type. Upon receiving the cross-border electronic guarantee agreement instruction, the applicant node parses the instruction and extracts 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 applicant's authenticity. After confirming the applicant's identity, the applicant node will submit the guarantee's legal information to the legal review department for review. Once the review is approved, the applicant node will store the cross-border electronic guarantee signing instruction and related legal documents on the blockchain to ensure the guarantee's legal validity.

[0053] After the signing instruction is written to the blockchain, the applicant node will send a notification of successful signing to the applicant. Simultaneously, the applicant node will also synchronize the successful signing information with the guarantor and beneficiary so they are aware of the latest status of the 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 guarantee content or resubmit the application.

[0054] Furthermore, the embodiment also involves a management system for cross-border electronic guarantees, which includes applicant nodes, guarantor nodes, and beneficiary nodes. These nodes collaborate through smart contracts to enable rapid signing, review, payment, and release of cross-border electronic guarantees. This decentralized management approach not only reduces operational risks but also improves the efficiency of guarantee processing.

[0055] In one embodiment, the applicant node receives a first 5G message from the target applicant, submitted on a SIM card terminal, carrying an instruction to sign a cross-border electronic guarantee, such as... Figure 2 As shown, it includes:

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

[0057] Based on the aforementioned cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant, including:

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

[0059] Step 203: Based on the bank's reserved information and the cross-border electronic guarantee attribute information, perform operator authentication on the target applicant.

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

[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 legal information for submission of the cross-border electronic guarantee. Then, based on the cross-border electronic guarantee attribute information, it performs operator authentication on the target applicant. After successful authentication, it uses smart contract technology to write the cross-border electronic guarantee signing instruction into the database of the applicant node corresponding to the target applicant.

[0062] Furthermore, in one specific embodiment, the applicant node can also monitor the execution status of cross-border electronic guarantees in real time, including but not limited to the validity period of the guarantee and the guarantor's performance. Through 5G messaging technology, the applicant node can promptly send monitoring information to the applicant, guarantor, and beneficiary so that they can understand the real-time status of the guarantee.

[0063] In one embodiment, the applicant node writes the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant via a smart contract, such as... Figure 3 As shown, it includes:

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

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

[0066] Step 303: Through a smart contract, write the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant.

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

[0068] After the operator's authentication is successful, the applicant node will use a smart contract to write the cross-border electronic guarantee signing instruction to the corresponding target applicant's applicant node. This process includes the following steps:

[0069] First, the applicant node will generate a public-private key pair corresponding to the cross-border electronic guarantee signing instruction 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 transmission.

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

[0071] Finally, the applicant node will use a smart contract to write the cross-border electronic guarantee signing instruction to the corresponding target applicant's applicant node. A smart contract is an automatically executing program that ensures the accurate execution of the signing instruction while reducing the possibility of human intervention, thus improving the efficiency and security of the signing process.

[0072] In this process, the applicant node operates based on pre-defined rules and procedures. These rules and procedures aim to ensure the legality and authenticity of cross-border electronic guarantees and protect the legitimate rights and interests of all parties. Simultaneously, the applicant node also takes necessary security measures, such as data encryption and access control, to prevent unauthorized access and data leakage. Through these steps, the applicant node can efficiently and securely complete the signing of cross-border electronic guarantees. This not only helps improve the efficiency of cross-border business but also helps reduce cross-border risks and promotes the healthy development of the cross-border economy.

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

[0074] In this embodiment, after receiving the cross-border electronic guarantee attribute information from the applicant node, the guarantor node conducts a rigorous credit review. This process includes verifying the completeness, authenticity, and legality of the received electronic guarantee information, as well as assessing the applicant node's credit history, financial status, and operational status. 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 guarantee signing instructions, the guarantor node will send these instructions to the corresponding applicant node. These instructions include information such as the guarantee amount, term, scope of guarantee, and guarantee liability. Upon receiving these instructions, the applicant node needs to confirm their contents and, after confirmation, send the instructions back to the guarantor node.

[0076] Next, the guarantor node will register the cross-border electronic guarantee signing instructions returned by the applicant node and write these instructions into the guarantor node's database. 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 guarantee. During this process, the guarantor node also needs to regularly review and maintain the registered cross-border electronic guarantees to ensure their continued validity.

[0077] During the execution of cross-border electronic guarantee signing instructions, if problems arise, the guarantor node needs to intervene promptly. This includes verifying the applicant node's breach of contract and taking appropriate remedial measures based on the actual situation. Simultaneously, the guarantor node also needs to monitor the performance of the cross-border electronic guarantee to ensure that the applicant node fulfills its obligations as agreed.

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

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

[0080] Step 402: The guarantor node uses the private key to decrypt the ciphertext obtained from the target applicant;

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

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

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

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

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

[0086] In one embodiment, the execution process of a cross-border electronic 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 guarantee signing instructions.

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

[0089] 3. The guarantor node monitors and audits the applicant node's operations based on the decrypted information.

[0090] 4. After the guarantor node approves the application, it will write the decrypted information into the cross-border electronic guarantee and then write the cross-border electronic guarantee into the guarantor node.

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

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

[0093] After legal approval, the financial institution node will write the approval result into a smart contract. During this process, the financial institution node needs to ensure the smart contract is programmed correctly to guarantee the accurate transmission of the approval result. The legal approval result 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 guarantee. Next, the financial institution node will process the electronic guarantee according to the provisions of the smart contract. For example, the financial institution node may provide corresponding financial services to the applicant based on the type and purpose of the electronic guarantee. Throughout this process, the financial institution node must strictly adhere to the smart contract's stipulations to ensure the compliance and security of business processing.

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

[0095] The financial institution node receives the private key from the public-private key pair sent by the applicant node via 5G message.

[0096] The financial institution node uses the private key to decrypt the ciphertext obtained from the target applicant;

[0097] Based on the legal information regarding the cross-border electronic guarantee submitted for review in the decrypted ciphertext, the cross-border electronic guarantee undergoes legal review.

[0098] In one embodiment, after receiving the legal information for the cross-border electronic 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, via 5G messaging or other communication methods. This private key is used to encrypt the legal information submitted for review in cross-border electronic guarantees, and the financial institution node needs to use this private key to decrypt the submitted information.

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

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

[0102] Once legal approval is granted, the financial institution node will write the legal approval result into a smart contract. This not only ensures the legal validity of the cross-border electronic guarantee but also achieves full transparency and automation throughout the process.

[0103] Furthermore, financial institution nodes can further publicize the approval results on the blockchain network for other nodes to query. This approach improves information security and transparency, helping to reduce financial risks.

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

[0105] In practical applications, the above operational procedures 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 cross-border electronic guarantees, multi-key encryption technology can be used to improve information security. During the legal approval process, third-party legal service institutions can be introduced to conduct professional reviews of cross-border electronic guarantees. These adjustments can further enhance the application value of blockchain in cross-border electronic guarantee business.

[0106] In one embodiment, a financial institution node can conduct a risk assessment of the guarantee based on the parameters of the cross-border electronic guarantee. This step can utilize big data analytics and artificial intelligence technologies to comprehensively evaluate the applicant's creditworthiness, the guarantor's capabilities, and the beneficiary's reputation. After the risk assessment is completed, the assessment results are written to the financial institution node.

[0107] Financial institution nodes generate the guarantee execution process, including the issuance, transmission, execution, and termination of the guarantee. Based on different business needs and legal regulations, financial institution nodes can automatically adjust the guarantee execution process through smart contracts to ensure the legality and compliance of the guarantee. Financial institution nodes synchronize the execution status of cross-border electronic guarantees to the blockchain network in real time. This allows all participating parties to view the guarantee status in real time through the blockchain network, facilitating supervision and management of the guarantee execution process.

[0108] During the execution of the guarantee, if there are requests for modification, claims, or revocation, the applicant, guarantor, financial institution, and beneficiary can communicate and negotiate via 5G messaging. The negotiation results can be automatically updated to the blockchain network via smart contracts, allowing all parties involved to stay informed of the latest developments. After the cross-border electronic guarantee is completed, all parties involved can evaluate and provide feedback on the guarantee transaction via 5G messaging. This evaluation and feedback information will be stored on the blockchain network, providing a reference for subsequent optimization of the guarantee processing procedure.

[0109] In practice, the beneficiary node writes the beneficiary's 5G confirmation information regarding the cross-border electronic guarantee; in response to a 5G message carrying a request for modification, claim, or revocation of the cross-border electronic guarantee, it sends a request processing instruction to the cross-border electronic guarantee participant node associated with the request; it receives the processing result of the request processing instruction from the associated cross-border electronic guarantee participant node; and it writes the request and the processing result into the blockchain network based on a smart contract.

[0110] In this embodiment, after the beneficiary node writes the beneficiary's 5G confirmation information regarding the cross-border electronic guarantee, the system encrypts it to ensure information security. Subsequently, the system responds to a 5G message carrying requests for modification, claims, and revocation of the cross-border electronic guarantee, issuing request processing instructions to the associated cross-border electronic guarantee participant nodes.

[0111] Upon receiving a request processing instruction, the associated cross-border electronic guarantee participant nodes will process the request and report the processing result back to the system. The system will then integrate these requests and processing results and, according to the rules of the smart contract, write them into the blockchain network.

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

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

[0114] In another embodiment, 5G messaging is used to process requests for modification, claims, and revocation of cross-border electronic guarantees. Upon receiving these requests, the system sends a request processing instruction to the corresponding cross-border electronic guarantee participant node. After receiving the request processing instruction, the participant node processes the request and sends the processing result back to the system.

[0115] After receiving the processing result, the system writes it, along with the original request, into the blockchain network based on a smart contract. This method ensures the openness and transparency of all operations, facilitating supervision and auditing by all parties. Simultaneously, the immutability of the blockchain network guarantees the security and reliability of the data.

[0116] In the above embodiments, all operations can be performed via 5G messaging, including confirmation, modification, claim, and revocation of guarantees. This approach significantly improves the efficiency of guarantee operations, reduces operating costs, and ensures transparency and data security.

[0117] Furthermore, cross-border electronic guarantees can be signed and verified through a 5G messaging platform. Beneficiaries and participants can receive and sign electronic guarantees via 5G messaging. The signed guarantee can then be written to a blockchain network to ensure its validity. When verification is required, all parties can verify the guarantee through the 5G messaging platform, thereby ensuring its authenticity and accuracy.

[0118] In summary, the combination of 5G messaging and blockchain technology enables end-to-end management of cross-border electronic guarantees, including confirmation, modification, claims, revocation, signing, and verification. This approach improves the efficiency of guarantee operations, reduces costs, and ensures transparency and data security, providing strong protection for cross-border trade.

[0119] In practice, the participating nodes of the cross-border electronic guarantee also include:

[0120] Arbitration node, used for:

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

[0122] When a 5G message carrying a claim or request to revoke a cross-border electronic guarantee is detected by scanning any node, the claim or request to revoke the guarantee is arbitrated based on the cross-border electronic guarantee attribute information, the legal information submitted for review of the cross-border electronic guarantee, and the cross-border electronic guarantee and legal approval results obtained from the blockchain network.

[0123] The arbitration result is broadcast to any node in the blockchain network.

[0124] In the above embodiments, 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 guarantee. For example, when the applicant node submits a compliant claim, the smart contract executor node will automatically trigger the compensation process to ensure that all participating parties fulfill their contractual obligations as agreed.

[0126] 2. Regulatory Node: This node is responsible for supervising the operation of the entire cross-border electronic guarantee system, ensuring that all participants comply with laws, regulations, and business rules. The regulatory node can obtain data from the blockchain network in real time, monitor and issue early warnings for anomalies, 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 safety and compliance of funds. The auditor node can periodically review transaction records in the blockchain network and promptly propose corrective measures to relevant parties if any problems are found.

[0128] 4. Cross-border Electronic Guarantee Platform Node: This node is responsible for providing all participating parties with one-stop services including application, review, issuance, and claims processing for cross-border electronic guarantees. The platform node can interface with other external systems such as financial institutions, legal service agencies, and logistics companies to achieve information sharing and business collaboration, thereby improving the overall operational efficiency of the cross-border electronic guarantee system.

[0129] The specific operating procedures are as follows: Figure 6 As shown, it may include:

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

[0131] 2. The guarantor node reviews the applicant's qualifications and issues a cross-border electronic guarantee after confirming that everything is correct.

[0132] 3. Financial institutions provide financing services to applicants based on the attribute information of cross-border electronic guarantees.

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

[0134] 5. Once the transaction is completed, the applicant initiates a claim request through the cross-border electronic guarantee platform's 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 guarantee, and completes the compensation process.

[0136] 7. In the event of a dispute, the arbitration node will arbitrate the claims of all parties involved and broadcast the results to any node in the blockchain network.

[0137] 8. Regulatory and auditing nodes supervise and audit the operation of the entire cross-border electronic guarantee system to ensure business compliance, security, and efficiency.

[0138] Through the above-described embodiments, the present invention achieves intelligence, automation, and transparency in the cross-border electronic guarantee system, reducing the operational risks in traditional cross-border guarantee business.

[0139] The following are two examples of the cross-border electronic guarantee processing method based on 5G messaging, combined with specific application scenarios:

[0140] Example 1: Suppose a domestic company A exports goods to a foreign company B. To ensure the smooth progress of the transaction, company A needs to provide company B with a cross-border electronic guarantee. The steps for processing cross-border electronic bank guarantees using a 5G messaging-based method are as follows:

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

[0142] 2. Guarantor Node: Upon receiving the cross-border electronic guarantee signing instruction from the applicant node, the guarantor node conducts a credit review. If the review is successful, a cross-border electronic guarantee is generated and written to the guarantor node.

[0143] 3. Financial Institution Node: The financial institution node conducts legal review of the cross-border electronic guarantee based on the submitted legal information. Upon approval, the legal review result is recorded on the financial institution node.

[0144] 4. Beneficiary Node: After receiving the cross-border electronic guarantee, Company B submits 5G confirmation information on its SIM card terminal. Upon receiving the confirmation information, the beneficiary node begins fulfilling its guarantee obligations.

[0145] 5. Arbitration Node: In the event of a dispute, either party may initiate an arbitration request to the arbitration node. The arbitration node conducts arbitration based on the cross-border electronic guarantee attribute information, submitted legal information, legal approval results, etc., in the blockchain network, and broadcasts the arbitration result to any node in the blockchain network.

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

[0147] 6. Cross-departmental collaboration: Efficient and secure communication is achieved between participating nodes via 5G messaging, ensuring the smooth operation of cross-border electronic guarantee business. Simultaneously, the distributed ledger technology of blockchain enhances the security and credibility of the business. Smart contracts automate and standardize business processes, reducing operational risks and labor costs. In the arbitration process, the decentralized nature of blockchain guarantees the fairness and impartiality of the arbitration results.

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

[0149] Throughout the process, all participating nodes communicated efficiently and securely via 5G messaging, ensuring the smooth operation of the cross-border electronic guarantee business. Meanwhile, the distributed ledger based on blockchain technology made the information tamper-proof, improving the security and credibility of the business. Smart contracts automated and standardized the business processes, reducing operational risks and labor costs. In the arbitration phase, the decentralized nature of blockchain guaranteed the fairness and impartiality of the arbitration results.

[0150] Example 2: Suppose a domestic financial institution C wants to provide a cross-border electronic guarantee to a foreign financial institution D to ensure the smooth progress of their financial business. The following steps are taken using a 5G messaging-based cross-border electronic bank guarantee processing method:

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

[0152] 2. Guarantor Node: Upon receiving the cross-border electronic guarantee signing instruction from the applicant node, the guarantor node conducts a credit review. If the review is successful, a cross-border electronic guarantee is generated and written to the guarantor node.

[0153] 3. Financial Institution Node: The financial institution node conducts legal review of the cross-border electronic guarantee based on the submitted legal information. Upon approval, the legal review result is recorded on the financial institution node.

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

[0155] 5. Arbitration Node: In the event of a dispute, either financial institution may initiate an arbitration request to the arbitration node. The arbitration node conducts arbitration based on the cross-border electronic guarantee attribute information, submitted legal information, legal approval results, etc., in the blockchain network, and broadcasts the arbitration result to any node in the blockchain network.

[0156] Throughout the process, all participating nodes communicated efficiently and securely via 5G messaging, ensuring the smooth operation of the cross-border electronic guarantee business. Meanwhile, the distributed ledger based on blockchain technology made the information tamper-proof, improving the security and credibility of the business. Smart contracts automated and standardized the business processes, reducing operational risks and labor costs. In the arbitration phase, the decentralized nature of blockchain guaranteed the fairness and impartiality of the arbitration results.

[0157] The present invention also provides another example of cross-border electronic guarantee processing by banks:

[0158] This example demonstrates how a blockchain-based shared platform facilitates the signing of cross-border guarantees. Combined with 5G technology, it enables real-time transmission, online modification, claims processing, and revocation of electronic guarantee information, thereby improving the efficiency and security of cross-border trade. Furthermore, by leveraging blockchain and 5G technologies, this invention provides a convenient and reliable solution for various cross-border businesses, demonstrating significant practical value and market potential.

[0159] In this example, the legal information submitted for review of cross-border electronic guarantees includes: the legal matter number submitted for review; whether legal review is waived can be controlled in a coordinated manner at the financial institution node, and can be accessed in subsequent investigation, review, examination and approval stages; if legal review is waived in the electronic signing system of the financial institution node, the signing system will process it according to the legal review waiver process and automatically select a legal review waiver basis; the financial institution node can query whether the guarantee under the current guarantee agreement has undergone legal review or is exempt from legal review.

[0160] When financial institutions process foreign trade payments, they record the mobile phone numbers of all parties involved and send 5G message cards based on these numbers. This enables real-time monitoring and registration of goods and funds at each step. During the payment process, the system determines whether the documents are important, whether they are online banking instructions, and whether the current transaction is the first one requested. After the consignee confirms receipt, the system automatically generates a release notice and a physical document release application. Upon bank approval, funds are transferred to the corresponding accounts in batches on the same day.

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

[0162] 1. Blockchain Network Construction: First, select a suitable blockchain platform, such as Ethereum or Hyperledger, as the basic technical framework. Based on this, construct a blockchain network for cross-border electronic guarantees, including applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes.

[0163] 2. Node Joining and Authentication: Each node must undergo a rigorous authentication process to ensure that only legitimate participants can join the blockchain network. The authentication process may include operator authentication, financial institution authentication, etc., depending on the role and responsibilities of each node.

[0164] 3. Smart Contract Development and Deployment: To implement various functions of cross-border electronic guarantees, multiple smart contracts need to be developed. These contracts should cover the creation, modification, revocation, and claims processing of cross-border electronic guarantees. After development, the smart contracts will be deployed to the corresponding nodes.

[0165] 4.5G Message Transmission Security Encryption: To ensure secure data transmission during cross-border electronic guarantee processing, 5G message transmission technology is adopted, along with security encryption measures. For example, asymmetric encryption technology is used to generate public-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 cross-border electronic guarantees. This data includes, but is not limited to, cross-border electronic guarantee attribute information, submitted legal information, and legal approval results. To ensure data security and reliability, distributed storage technology can be used.

[0167] 6. Cross-chain communication and interoperability: To enable cross-border electronic guarantee processing across different blockchain networks, it is necessary to research and implement cross-chain communication and interoperability technologies. This can be achieved through cross-chain protocols, sidechain technologies, and other means.

[0168] 7. System Monitoring and Maintenance: To ensure the normal operation of the blockchain network, real-time monitoring and maintenance of the system are required. This includes checking the operating status of each node, handling anomalies, and updating smart contracts.

[0169] 8. User Interface Design: To facilitate user experience with the cross-border electronic guarantee processing system, a simple and user-friendly interface needs to be designed. Users can conveniently submit cross-border electronic guarantee signing instructions and query processing results through SIM card terminals, mobile applications, and other methods.

[0170] When building a cross-border electronic guarantee processing system, relevant laws and regulations should be strictly followed to ensure business compliance. The above solutions can build an efficient, secure, and compliant cross-border electronic guarantee processing system, providing convenient cross-border electronic guarantee services to all participating parties.

[0171] In this embodiment of the invention, a blockchain network is formed by nodes of participating parties in a cross-border electronic guarantee; the nodes of participating parties in a cross-border electronic guarantee include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes; the cross-border electronic guarantee processing method based on 5G messages in this embodiment of the invention includes: receiving a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor, and beneficiary; according to the cross-border... The system uses the cross-border electronic guarantee attribute information to authenticate the target applicant with a mobile operator. After successful operator authentication, a smart contract is used to write the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant. The guarantor node is used to: conduct credit checks on the corresponding cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, a cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction is generated and written to the guarantor node. The financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after legal approval is passed... The system uses smart contracts to write legal approval results into financial institution nodes; receives and uploads a second 5G message submitted by the target applicant on a SIM card terminal, carrying requests for modification, claims, and revocation of cross-border electronic guarantees; the beneficiary node is used to: write 5G confirmation information of the beneficiary regarding the cross-border electronic guarantee; respond to the second 5G message carrying requests for modification, claims, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participant nodes associated with the request; receive the processing results of the associated cross-border electronic guarantee participant nodes regarding the request processing instruction; and write the request and the processing results into the blockchain network based on a smart contract. Compared to traditional technical solutions that rely on manual processing for the legal review of cross-border electronic guarantees by banks, incorporating the operations of each participating node in a cross-border electronic guarantee into a blockchain network enables efficient and accurate verification of processes such as cross-border electronic guarantee signing instructions, credit reviews, and legal approvals. This improves the overall efficiency of cross-border electronic guarantee processing, saves time, and reduces costs. Furthermore, blockchain technology ensures data immutability, enhancing the authenticity and reliability of cross-border electronic guarantees and mitigating risks such as forgery and tampering during the transfer process. Simultaneously, 5G messaging technology enables real-time transmission of electronic guarantee information, further improving transmission efficiency and enhancing the execution efficiency and security of cross-border guarantee business.

[0172] This invention also provides a 5G messaging-based cross-border electronic guarantee processing device for banks, as described in the following embodiments. Since the principle by which this device solves the problem is similar to the 5G messaging-based cross-border electronic guarantee processing method for banks, the implementation of this device can refer to the implementation of the 5G messaging-based cross-border electronic guarantee processing method for banks, and repeated details will not be elaborated further.

[0173] This invention provides a 5G messaging-based cross-border electronic guarantee processing device for banks. The participating nodes in the cross-border electronic guarantee constitute a blockchain network. These nodes include: an applicant node, a guarantor node, a financial institution node, and a beneficiary node. This cross-border bank electronic guarantee processing device aims to improve the overall efficiency of cross-border electronic guarantee processing, save time, reduce costs, and enhance the execution efficiency and security of cross-border guarantee business. The device, as described above... Figure 5 As shown, it includes:

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

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

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

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

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

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

[0180] Based on the aforementioned cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant, including:

[0181] Retrieve the bank-reserved information associated with the target applicant from the database corresponding to the applicant node;

[0182] Based on the bank's reserved information and the cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant.

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

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

[0185] The cross-border electronic guarantee signing instruction is encrypted using the public key in the public-private key pair to obtain the ciphertext of the corresponding cross-border electronic guarantee signing instruction;

[0186] The cross-border electronic guarantee signing instruction is written to the applicant node corresponding to the target applicant through a smart contract.

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

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

[0189] The guarantor node uses the private key to decrypt the ciphertext obtained from the target applicant;

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

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

[0192] The financial institution node receives the private key from the public-private key pair sent by the applicant node via 5G message.

[0193] The financial institution node uses the private key to decrypt the ciphertext obtained from the target applicant;

[0194] Based on the legal information regarding the cross-border electronic guarantee submitted for review in the decrypted ciphertext, the cross-border electronic guarantee undergoes legal review.

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

[0196] Arbitration node, used for:

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

[0198] When a 5G message carrying a claim or request to revoke a cross-border electronic guarantee is detected by scanning any node, the claim or request to revoke the guarantee is arbitrated based on the cross-border electronic guarantee attribute information, the legal information submitted for review of the cross-border electronic guarantee, and the cross-border electronic guarantee and legal approval results obtained from the blockchain network.

[0199] The arbitration result is broadcast to any node in the blockchain network.

[0200] This invention provides an embodiment of a computer device for implementing all or part of the above-described method for processing cross-border electronic guarantees for banks based on 5G messaging. The computer device specifically includes the following components:

[0201] The computer device comprises a processor, memory, a communications interface, and a bus; wherein the processor, memory, and communications interface communicate with each other via the bus; the communications interface is used to realize information transmission between related devices; the computer device can be a desktop computer, tablet computer, or mobile terminal, etc., and this embodiment is not limited to these. In this embodiment, the computer device can be implemented with reference to the embodiments for implementing a method for processing cross-border electronic guarantees for banks based on 5G messages and the embodiments for implementing a device for processing cross-border electronic guarantees for banks based on 5G messages, the contents of which are incorporated herein by reference, and repeated details will not be described again.

[0202] Figure 7 This is a schematic block diagram illustrating the system configuration of the computer device 1000 according to an embodiment of this application. Figure 7 As shown, the computer device 1000 may include a central processing unit 1001 and a memory 1002; the memory 1002 is coupled to the central processing unit 1001. It is worth noting that... Figure 7 This is an example; other types of structures can also be used to supplement or replace this structure to achieve telecommunications functions or other functions.

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

[0204] The applicant node receives a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction. The cross-border electronic guarantee signing instruction carries cross-border electronic guarantee attribute information and legal information for review. The cross-border electronic guarantee attribute information includes guarantee content parameters, as well as attribute information of the applicant, guarantor, and beneficiary. Based on the cross-border electronic guarantee attribute information, the target applicant undergoes operator authentication. After successful operator authentication, the cross-border electronic guarantee signing instruction is written to the corresponding applicant node via a smart contract.

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

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

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

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

[0209] like Figure 7 As shown, the computer device 1000 may further 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 need to include... Figure 7 All components shown; in addition, the computer device 1000 may also include Figure 7 For components not shown, please refer to existing technologies.

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

[0211] The memory 1002 may be, for example, one or more of a cache, flash memory, hard drive, removable medium, volatile memory, non-volatile memory, or other suitable device. It may store the aforementioned failure-related information, and also store a program for executing that information. The central processing unit 1001 may execute the program stored in the memory 1002 to perform information storage or processing, etc.

[0212] Input unit 1004 provides input to central processing unit 1001. This input unit 1004 may be, for example, a keypad or touch input device. Power supply 1007 provides power to computer device 1000. Display 1006 displays images, text, and other display objects. This display may be, for example, an LCD display, but is not limited to this.

[0213] The memory 1002 can be a solid-state memory, such as a read-only memory (ROM), random access memory (RAM), a SIM card, etc. It can also be a memory that retains information even when power is off, can be selectively erased, and contains more data; examples of this type of memory are sometimes referred to as EPROMs, etc. The memory 1002 can 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 for storing application programs and function programs or processes for executing operations of the computer device 1000 via the central processing unit 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 performing 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 transmits and receives signals via the antenna 1008. The communication module (transmitter / receiver) 1003 is coupled to the central processing unit 1001 to provide input signals and receive output signals, which can be the same as in a conventional mobile communication terminal.

[0216] Based on different communication technologies, multiple communication modules 1003 can be configured in the same computer device, such as cellular network modules, Bluetooth modules, and / or wireless LAN modules. The communication module (transmitter / receiver) 1003 is also coupled to a speaker 1009 and a microphone 1010 via an audio processor 1005 to provide audio output via the speaker 1009 and receive audio input from the microphone 1010, thereby realizing typical telecommunications functions. The audio processor 1005 may include any suitable buffer, decoder, amplifier, etc. Furthermore, the audio processor 1005 is also coupled to a central processing unit 1001, enabling on-device recording via the microphone 1010 and on-device playback of stored sound via the speaker 1009.

[0217] This invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the above-described method for processing cross-border electronic guarantees for banks based on 5G messages.

[0218] This invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described method for processing cross-border electronic guarantees for banks based on 5G messages.

[0219] In this embodiment of the invention, a blockchain network is formed by nodes of participating parties in a cross-border electronic guarantee; the nodes of participating parties in a cross-border electronic guarantee include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes; the cross-border electronic guarantee processing method based on 5G messages in this embodiment of the invention includes: receiving a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor, and beneficiary; according to the cross-border... The system uses the cross-border electronic guarantee attribute information to authenticate the target applicant with a mobile operator. After successful operator authentication, a smart contract is used to write the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant. The guarantor node is used to: conduct credit checks on the corresponding cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, a cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction is generated and written to the guarantor node. The financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after legal approval is passed... The system uses smart contracts to write legal approval results into financial institution nodes; receives and uploads a second 5G message submitted by the target applicant on a SIM card terminal, carrying requests for modification, claims, and revocation of cross-border electronic guarantees; the beneficiary node is used to: write 5G confirmation information of the beneficiary regarding the cross-border electronic guarantee; respond to the second 5G message carrying requests for modification, claims, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participant nodes associated with the request; receive the processing results of the associated cross-border electronic guarantee participant nodes regarding the request processing instruction; and write the request and the processing results into the blockchain network based on a smart contract. Compared to traditional technical solutions that rely on manual processing for the legal review of cross-border electronic guarantees by banks, incorporating the operations of each participating node in a cross-border electronic guarantee into a blockchain network enables efficient and accurate verification of processes such as cross-border electronic guarantee signing instructions, credit reviews, and legal approvals. This improves the overall efficiency of cross-border electronic guarantee processing, saves time, and reduces costs. Furthermore, blockchain technology ensures data immutability, enhancing the authenticity and reliability of cross-border electronic guarantees and mitigating risks such as forgery and tampering during the transfer process. Simultaneously, 5G messaging technology enables real-time transmission of electronic guarantee information, further improving transmission efficiency and enhancing the execution efficiency and security of cross-border guarantee business.

[0220] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied 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] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0222] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0223] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0224] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above descriptions are merely specific embodiments of the present invention and are 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 within the scope of protection of the present invention.

Claims

1. A method for processing cross-border electronic guarantees for banks based on 5G messaging, characterized in that, The participating nodes of the cross-border electronic guarantee constitute a blockchain network; the participating nodes of the cross-border electronic guarantee include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes; the bank's cross-border electronic guarantee processing method is applied to the applicant node, including: The system receives a first 5G message submitted by the target applicant on a SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor and beneficiary; Based on the aforementioned cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant; After the operator's authentication is passed, the cross-border electronic guarantee signing instruction is written to the applicant node corresponding to the target applicant via a smart contract. The guarantor node is used to: conduct credit checks on the cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, generate the cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction, and write the cross-border electronic guarantee to the guarantor node; the financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after the legal approval is passed, write the legal approval result to the financial institution node via a smart contract. The system receives and uploads a second 5G message submitted by the target applicant on a SIM card terminal, carrying requests for modification, claim, and revocation of a cross-border electronic guarantee. The beneficiary node is configured to: write the beneficiary's 5G confirmation information regarding the cross-border electronic guarantee; respond to the second 5G message carrying requests for modification, claim, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participant node associated with the request; receive the processing result of the associated cross-border electronic guarantee participant node on the request processing instruction; and write the request and the processing result into the blockchain network based on a smart contract.

2. The method as described in claim 1, characterized in that, Receive the first 5G message submitted by the target applicant on the SIM card terminal, carrying a cross-border electronic guarantee signing instruction, including: The system receives a 5G message containing a cross-border electronic guarantee signing instruction submitted by the target applicant on the SIM card terminal via a pre-configured customer SIM card; the SIM card terminal is used to send a 5G message containing a cross-border electronic guarantee signing instruction to the applicant node based on 5G messaging technology. Based on the aforementioned cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant, including: Retrieve the bank-reserved information associated with the target applicant from the database corresponding to the applicant node; Based on the bank's reserved information and the cross-border electronic guarantee attribute information, operator authentication is performed on the target applicant.

3. The method as described in claim 1, characterized in that, The cross-border electronic guarantee signing instruction is written to the applicant node corresponding to the target applicant via a smart contract, including: Based on asymmetric encryption technology, a set of public and private key pairs corresponding to the cross-border electronic guarantee signing instruction is generated; The cross-border electronic guarantee signing instruction is encrypted using the public key in the public-private key pair to obtain the ciphertext of the corresponding cross-border electronic guarantee signing instruction; The cross-border electronic guarantee signing instruction is written to the applicant node corresponding to the target applicant through a smart contract.

4. The method as described in claim 3, characterized in that, The guarantor node is specifically used for: The corresponding guarantor receives the private key from the public-private key pair sent by the applicant corresponding to the applicant node via 5G message; Using the private key, the ciphertext obtained from the target applicant is decrypted; Based on the cross-border electronic guarantee attribute information in the decrypted ciphertext, a credit review is conducted on the corresponding cross-border electronic guarantee signing instructions.

5. The method as described in claim 3, characterized in that, The financial institution node is specifically used for: The corresponding financial institution receives the private key from the public-private key pair sent by the applicant via 5G message to the applicant node. Using the private key, the ciphertext obtained from the target applicant is decrypted; Based on the legal information regarding the cross-border electronic guarantee submitted for review in the decrypted ciphertext, the cross-border electronic guarantee undergoes legal review.

6. The method as described in claim 1, characterized in that, The participating nodes in the cross-border electronic guarantee also include: Arbitration node, used for: Scan any of the following nodes: applicant node, guarantor node, financial institution node, and beneficiary node; When a 5G message carrying a claim or request to revoke a cross-border electronic guarantee is detected by scanning any node, the claim or request to revoke the guarantee is arbitrated based on the cross-border electronic guarantee attribute information, the legal information submitted for review of the cross-border electronic guarantee, and the cross-border electronic guarantee and legal approval results obtained from the blockchain network. The arbitration result is broadcast to any node in the blockchain network.

7. A bank cross-border electronic guarantee processing device based on 5G messaging, characterized in that, The participating nodes of the cross-border electronic guarantee constitute a blockchain network; the participating nodes of the cross-border electronic guarantee include: applicant nodes, guarantor nodes, financial institution nodes, and beneficiary nodes; the bank's cross-border electronic guarantee processing device, applied to the applicant node, includes: The first 5G message receiving module is used to: receive a first 5G message submitted by the target applicant on the SIM card terminal, carrying a cross-border electronic guarantee signing instruction; 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 guarantee content parameters of the cross-border electronic guarantee, as well as attribute information of the applicant, guarantor and beneficiary; The operator authentication module is used to: authenticate the target applicant's operator based on the cross-border electronic guarantee attribute information; The on-chain module for signing instructions is used to: after the operator's authentication is passed, write the cross-border electronic guarantee signing instruction to the applicant node corresponding to the target applicant via a smart contract; the guarantor node is used to: conduct credit checks on the cross-border electronic guarantee signing instructions based on the cross-border electronic guarantee attribute information obtained from different applicant nodes; after the credit check is passed, generate the cross-border electronic guarantee corresponding to the cross-border electronic guarantee signing instruction, and write the cross-border electronic guarantee to the guarantor node; the financial institution node is used to: conduct legal approval of the cross-border electronic guarantee based on the legal information submitted for review; after the legal approval is passed, write the legal approval result to the financial institution node via a smart contract; The second 5G message receiving module is used to: receive and upload a second 5G message submitted by the target applicant on the SIM card terminal, carrying a request for modification, claim, and revocation of the cross-border electronic guarantee; the beneficiary node is used to: write the beneficiary's 5G confirmation information for the cross-border electronic guarantee; in response to the second 5G message carrying the request for modification, claim, and revocation of the cross-border electronic guarantee, send a request processing instruction to the cross-border electronic guarantee participating node associated with the request; receive the processing result of the associated cross-border electronic guarantee participating node on the request processing instruction; and write the request and the processing result into the blockchain network based on a 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, it implements the method of any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

10. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

Images