Blockchain and supply chain based credit payment method and system

Abstract

The application discloses a credit payment method and system based on a blockchain and a supply chain, relates to the technical field of supply chain finance, and comprises the following steps: in a blockchain network, a system performs distributed identity authentication on a received enterprise registration request, and generates a digital identity certificate containing a unique supply chain identifier and real-name authentication information; when a binding instruction of a buyer enterprise is received and relevant identity certificates are verified to be valid, the buyer and a target seller are bound in a trade relationship according to supply chain trade proof data, and a trade relationship identifier is generated; when a buyer payment request is received, an electronic debt certificate is generated based on the trade relationship identifier and is issued to the target seller; after the seller signs and receives the certificate, the certificate is transferred to an account of the seller; and if a debt transfer request is received, the electronic debt certificate holder is changed into a transferee, and credit payment is completed. The application can prevent non-trade objects from being mistakenly paid in supply chain payment and realize safe flow of debts.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of supply chain finance, in particular to a credit payment method and system based on blockchain and supply chain. BACKGROUND

[0002] At present, in the field of supply chain payment, enterprises usually adopt traditional financial tools and processes, such as bank acceptance bills, etc. In recent years, with the development of financial technology, some innovative payment methods have begun to appear. For example, some systems convert the credit line of financial institutions into the white bill line of core enterprises, and then transfer the white bill line to non-core enterprises as a means of credit payment.

[0003] However, the existing technology still has many problems in actual application. For example, the payment object may not be the real trade object in the supply chain, which may lead to the mispayment of the operator and increase the transaction risk. In addition, the existing payment method has difficulty in confirming the real trade relationship between the buyer and the seller, and cannot effectively prevent the mispayment of non-trade objects. At the same time, the existing technology also has deficiencies in the security and transparency of the debt transfer, and it is difficult to meet the demand of all parties in the supply chain for efficient and secure payment tools. Therefore, how to prevent the mispayment of non-trade objects in the supply chain payment and realize the safe transfer of debts has become a problem to be solved. SUMMARY

[0004] The present application aims to provide a credit payment method and system based on blockchain and supply chain, which aims to solve the technical problem of how to prevent the mispayment of non-trade objects in the supply chain payment and realize the safe transfer of debts.

[0005] To achieve the above-mentioned purpose, the present application provides a credit payment method based on blockchain and supply chain, which comprises:

[0006] When receiving the registration request of the buyer enterprise or the seller enterprise, the distributed identity authentication of the buyer enterprise or the seller enterprise in the blockchain network is carried out according to the registration request, and the digital identity certificate containing the unique identification of the supply chain and the real name authentication information are generated;

[0007] When receiving the binding instruction of the buyer enterprise and verifying the digital identity certificate of the target seller enterprise in the binding instruction according to the real name authentication information, the buyer enterprise and the target seller enterprise are bound in trade relationship according to the supply chain trade proof data in the binding instruction, and a trade relationship identifier is generated;

[0008] When receiving the payment request of the buyer enterprise, an electronic debt certificate corresponding to the accounts payable in the payment request is generated based on the trade relationship identifier, and the electronic debt certificate is issued to the target seller enterprise;

[0009] When receiving the receipt instruction of the electronic debt certificate by the target seller enterprise, the electronic debt certificate is transferred to the target seller enterprise account;

[0010] When receiving the debt transfer request corresponding to the electronic debt certificate, the current holder of the electronic debt certificate is changed to the assignee in the debt transfer request, and the credit payment is completed.

[0011] In addition, in order to achieve the above-mentioned purpose, the application also proposes a credit payment system based on block chain and supply chain, the system comprises:

[0012] The registration module is used for, when receiving the registration request of the buyer enterprise or the seller enterprise, performing distributed identity authentication of the buyer enterprise or the seller enterprise in the block chain network according to the registration request, generating a digital identity certificate containing a unique supply chain identifier and real-name authentication information;

[0013] The trade binding module is used for, when receiving the binding instruction of the buyer enterprise and verifying the digital identity certificate of the target seller enterprise of the buyer enterprise according to the real-name authentication information, performing trade relationship binding of the buyer enterprise and the target seller enterprise according to the supply chain trade proof data in the binding instruction, and generating a trade relationship identifier;

[0014] The certificate issuing module is used for, when receiving the payment request of the buyer enterprise, generating an electronic debt certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier, and issuing the electronic debt certificate to the target seller enterprise;

[0015] The certificate receiving module is used for, when receiving the receipt instruction of the electronic debt certificate by the target seller enterprise, transferring the electronic debt certificate to the target seller enterprise account;

[0016] The debt transfer module is used for, when receiving the debt transfer request corresponding to the electronic debt certificate, changing the current holder of the electronic debt certificate to the assignee in the debt transfer request, and completing the credit payment.

[0017] In addition, to achieve the above object, the application further provides a storage medium, which is a computer readable storage medium, and a computer program is stored on the storage medium, and the computer program is executed by a processor to implement the steps of the credit payment method based on a blockchain and a supply chain.

[0018] The one or more technical solutions provided by the application have at least the following technical effects:

[0019] When receiving the registration request of the buyer enterprise or the seller enterprise, the credit payment system performs distributed identity authentication through the blockchain network, generates a digital identity certificate containing a unique supply chain identifier and real-name authentication information, and this process utilizes the tamper-proof feature of the blockchain to ensure the authenticity and uniqueness of the enterprise identity, thereby providing a reliable identity basis for subsequent transactions. When receiving the binding instruction of the buyer enterprise, the system verifies whether the digital identity certificates of the buyer enterprise and the target seller enterprise are valid, and binds the trade relationship according to the supply chain trade proof data, and generates a trade relationship identifier, which ensures the authenticity and legality of the trade relationship through verification, and prevents the generation of false transactions. When the system receives the payment request of the buyer enterprise, it generates an electronic debt certificate corresponding to the accounts payable based on the trade relationship identifier, and issues it to the target seller enterprise, and utilizes the blockchain technology to ensure the transparency and tamper-proof nature of the payment behavior, thereby improving the payment efficiency and security. When the target seller enterprise signs for the electronic debt certificate, the system transfers the certificate to the seller enterprise account, and this process ensures the tamper-proof nature and traceability of the transaction through the record of the blockchain ledger, thereby ensuring the smooth completion of the transaction. Finally, when the system receives the debt transfer request corresponding to the electronic debt certificate, it verifies whether the current holder is the requestor, and changes the holder of the certificate to the assignee after verification, thereby completing the credit payment, and this step is automatically executed through the smart contract of the blockchain, thereby ensuring the transparency and tamper-proof nature of the debt transfer. The entire process realizes the automation and transparency of the key links such as identity authentication, trade relationship binding, generation and circulation of electronic debt certificates, and debt transfer of enterprises in the supply chain through the blockchain technology, thereby preventing the mispayment of non-trade objects in the supply chain payment and realizing the safe circulation of debts. BRIEF DESCRIPTION OF DRAWINGS

[0020] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and serve to explain the principles of the application.

[0021] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the accompanying drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced as follows. Obviously, the drawings are only for the purpose of illustrating the embodiments of the present application, and for the person skilled in the art, other drawings can also be obtained without creative labor.

[0022] Figure 1 The flowchart provided by the credit payment method based on blockchain and supply chain in the first embodiment of the present application;

[0023] Figure 2 The credit payment system registration interface provided by the credit payment method based on blockchain and supply chain in the first embodiment of the present application;

[0024] Figure 3 The enterprise registration process of the credit payment system provided by the credit payment method based on blockchain and supply chain in the first embodiment of the present application;

[0025] Figure 4 The trade relationship binding interface of the credit payment system provided by the credit payment method based on blockchain and supply chain in the first embodiment of the present application;

[0026] Figure 5 The payment interface of the credit payment system provided by the credit payment method based on blockchain and supply chain in the first embodiment of the present application;

[0027] Figure 6 The credit payment logic provided by the credit payment method based on blockchain and supply chain in the first embodiment of the present application;

[0028] Figure 7 The flowchart provided by the credit payment method based on blockchain and supply chain in the second embodiment of the present application;

[0029] Figure 8 The module structure of the credit payment system based on blockchain and supply chain in the embodiment of the present application.

[0030] The purpose of the present application, the functional characteristics and the advantages will be further explained in combination with the embodiments and the accompanying drawings. DETAILED DESCRIPTION

[0031] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application, and are not used to limit the present application. In order to better understand the technical solutions of the present application, the specific embodiments will be described in detail in combination with the drawings and specific embodiments in the description.

[0032] It should be noted that the execution subject of the embodiments of the present application can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device, a credit payment system, etc. capable of realizing the above functions. The credit payment system is taken as an example to describe the embodiments of the present application and the following embodiments.

[0033] Based on this, the credit payment method based on the blockchain and the supply chain is provided in the embodiments of the present application, which refers to Figure 1 , Figure 1 The flowchart of the first embodiment of the credit payment method based on the blockchain and the supply chain of the present application is shown in the figure.

[0034] In the embodiments, the credit payment method based on the blockchain and the supply chain includes steps S10-S50:

[0035] Step S10, when receiving the registration request of the buyer enterprise or the seller enterprise, performing distributed identity authentication of the buyer enterprise or the seller enterprise in the blockchain network according to the registration request, and generating a digital identity certificate containing a unique supply chain identifier and real-name authentication information.

[0036] It should be noted that the buyer enterprise refers to the core enterprise that undertakes the payment responsibility in the supply chain transaction, which needs to pay the goods payment to the supplier (seller enterprise) in the transaction.

[0037] The seller enterprise refers to the supplier that provides goods or services in the supply chain transaction, which relies on the payment of the buyer enterprise to maintain operation and fund turnover in the transaction.

[0038] The registration request refers to the application of the buyer enterprise or the seller enterprise to join the platform through the credit payment system, which contains the basic information of the enterprise, the identity information of the authorized personnel, and the enterprise legal person authorization certificate, etc. The purpose of the registration request is to enable the enterprise to participate in the credit payment system based on the blockchain, and to conduct transactions and fund transfer through the system.

[0039] The blockchain network refers to a distributed ledger technology platform supporting the operation of the entire credit payment system, which ensures the non-tamperability, transparency and security of transaction records through decentralized data storage and encryption technology. In the system, the blockchain network is used to record the identity information of the enterprises in the supply chain, the transaction information and the transfer process of the electronic debt certificate.

[0040] The unique supply chain identifier refers to a unique identification code allocated to each supply chain participant in the credit payment system, which is used to distinguish different supply chain subjects and ensure that the transaction behavior and fund flow of each enterprise can be accurately identified and tracked in the blockchain network.

[0041] Digital identity credential refers to the digital identity authentication data generated by the system for the buyer enterprises and seller enterprises participating in credit payment, which is used to verify the identity of the enterprises in the blockchain network and ensure the legality and security of the transaction.

[0042] Real-name authentication information refers to the real identity information of the legal representative or authorized personnel submitted by the enterprise during the registration process and verified by the system, including name, ID number, mobile phone number, and legal authorization certificate, etc.

[0043] It can be understood that first, after the credit payment system receives the registration request of the buyer enterprise or the seller enterprise, it will package the key information in the request, such as enterprise basic information and authorized personnel identity information, into a transaction to be verified and broadcast to each node in the blockchain network. Second, after each node receives the transaction, it will independently execute the verification process: the node first checks whether the format and logic of the information meet the preset rules, such as whether the ID number format is correct, whether the authorization is complete, etc.; then the node will call external authoritative data sources, such as business registration information or public security identity system, for cross verification to ensure the authenticity of the information; then, the node will verify whether the enterprise is a legal participant according to the supply chain business logic, and whether its business scope meets the supply chain scenario. Finally, when all nodes complete the verification and reach an agreement, the credit payment system confirms that the information is correct through the consensus mechanism, generates a digital identity credential containing the unique identifier of the supply chain, and associates the real-name authentication information with the credential to ensure the security and traceability of the information, providing a basis for subsequent transactions.

[0044] Please refer to Figure 2 , Figure 2 The credit payment system registration interface provided by the first embodiment of the credit payment method based on blockchain and supply chain of the present application is a registration interface for new enterprises, which is divided into four main steps: enterprise information, legal person information, settlement account, and binding of handling and auditing positions. In the enterprise information part, the user needs to fill in the name of the enterprise, select the certificate type (three-in-one or non-three-in-one), upload the business license, and provide the unified social credit code and the validity period of the certificate. The legal person information part requires input of the legal representative's name, registered address and communication address. The settlement account step involves binding the enterprise's public collection account, completing the small amount of payment verification, and filling in the payment verification code generated by the platform to activate the enterprise account. Finally, in the binding of handling and auditing positions step, the platform operation management personnel verify the "Legal Authorization Letter" uploaded by the authorized personnel of the enterprise, and the registration of the enterprise is approved after the verification is passed. The entire registration process combines real-name authentication technology and blockchain technology, ensuring the authenticity of the enterprise identity and the security of the transaction, and providing a safe and efficient credit payment environment for enterprises in the supply chain.

[0045] Please refer to Figure 3 ,Figure 3 The enterprise registration process diagram of the credit payment system provided by the first embodiment of the credit payment method based on blockchain and supply chain of the present application covers two parallel processes of enterprise joining the platform and employee associating with enterprises. The process starts from the "start" node, first guiding the user to "register an account" and "personal real-name authentication". After real-name authentication, there are two branches: one is the process of enterprise joining the platform, and the other is the process of employee associating with enterprises. In the process of employee associating with enterprises, the employee needs to "input the enterprise invitation code to bind" to complete the association with the enterprise.

[0046] In the process of enterprise joining the platform, the enterprise needs to fill in "enterprise information and license", then fill in "legal person information and license", and then fill in "settlement card number information". After completing the filling of these information, the enterprise performs the "binding administrator" operation, and then enters the "enterprise main registration audit" stage, which audits all the information submitted by the enterprise. After the audit is passed, the enterprise can continue to perform the "enterprise financing opening audit", in which stage the system will judge whether the enterprise needs financing, and if so, perfect the data required for financing. After completing the data perfection, the enterprise can perform financing, and the process finally reaches the "end" node. The whole process combines real-name authentication technology and blockchain technology, ensuring the authenticity of the enterprise identity and the security of the transaction, providing a safe and efficient credit payment environment for enterprises in the supply chain, and providing a convenient financing channel for enterprises in need of financing.

[0047] As an example, when receiving the registration request of the buyer enterprise or the seller enterprise, the step of generating a digital identity certificate containing a supply chain unique identifier and real-name authentication information according to the registration request includes: when receiving the registration request of the buyer enterprise or the seller enterprise, performing image segmentation and optical character recognition on the identity card image in the registration request to obtain the name and ID number; sending the mobile phone number in the registration request and the ID number to a telecom operator to make the telecom operator feedback a real-name binding status code; when the real-name binding status code is valid, obtaining live detection data and calculating the biological feature similarity value between the live detection data and the face image on the identity card image; when the biological feature similarity value is greater than or equal to a preset similarity threshold, generating a supply chain unique identifier based on the enterprise unified credit code and the registration timestamp in the registration request; fusing the supply chain unique identifier and a blockchain digital certificate to obtain a digital identity certificate, the blockchain digital certificate being generated by a certificate issuing service of the blockchain network according to the registration request; generating real-name authentication information according to the name, the ID number, the mobile phone number, and the account information in the registration request.

[0048] Identity card image refers to the electronic photo of the legal person or authorized personnel's ID card submitted by the enterprise during the registration process.

[0049] Real-name binding status code is an identifier returned by the telecom operator, indicating whether the mobile phone number is real-name bound with the ID number. If the mobile phone number and ID number are consistent and have been real-name bound, the telecom operator will return a valid status code, indicating that the verification is passed; otherwise, an invalid status code is returned, indicating that the verification fails.

[0050] Live detection data refers to real-time biometric data such as face images collected through cameras or other biometric devices, used to verify whether the registered person is the real operator.

[0051] Biometric similarity value refers to the similarity between live detection data and face images on the ID card image calculated by biometric technology, usually expressed in percentage, used to measure the matching degree between the two.

[0052] The preset similarity threshold is a minimum standard of biometric similarity set by the system, used to determine whether the identity verification is passed. In this embodiment, the preset similarity threshold is set to 95%.

[0053] Registration timestamp refers to the precise time record when the enterprise submits the registration request during the registration process, usually in seconds or milliseconds, used to identify the specific time point of the registration request.

[0054] Supply chain unique identifier is a unique identifier generated by the system for each enterprise participating in the supply chain.

[0055] Blockchain digital certificate is an encrypted certificate generated by the certificate issuing service of the blockchain network according to the registration request, used to verify the identity of the enterprise in the blockchain network and ensure the security and tamper-proof of transactions.

[0056] Digital identity credential is the digital identity authentication data generated by the system for the buyer enterprise and seller enterprise participating in credit payment, which integrates the supply chain unique identifier and the blockchain digital certificate, used to verify the identity of the enterprise in the blockchain network.

[0057] Certificate issuing service is a service in the blockchain network responsible for generating and managing digital certificates.

[0058] Account information refers to the account information submitted by the enterprise during the registration process for system login and identity recognition, usually including username, password, email address, etc.

[0059] Firstly, after receiving the registration request from the buyer enterprise or the seller enterprise, the credit payment system separates the name and ID number parts in the ID image in the registration request through image segmentation technology, and then converts the text information in the image into editable text format using optical character recognition (OCR) technology, so as to accurately extract the name and ID number. This is to ensure that the system can quickly and accurately obtain the key identity information of the registered subject. Secondly, the system sends the extracted mobile phone number and ID number to the telecom operator, which compares them with the internal real-name database to determine whether the mobile phone number corresponds to the ID number and has been real-name bound. Then a real-name binding status code is returned, which is used by the system to determine the authenticity and validity of the mobile phone number. This step is to prevent the registration of fake mobile phone numbers and ensure the authenticity and traceability of the registered subject. Then, if the real-name binding status code shows that the mobile phone number is valid, the system will require the user to perform a live body detection, usually by asking the user to blink, shake his head, etc. through the camera. The system collects these motion data as live body detection data, and extracts the face image from the ID image. The biological feature recognition technology is used to calculate the biological feature similarity value between the live body detection data and the face image on the ID. When the similarity value is greater than or equal to the preset 95% similarity threshold, the system determines that the user is the person on the ID. This step is to prevent fraud such as photo or video impersonation, and to ensure that the registration operation is performed by the person himself. Finally, the system generates a unique supply chain identifier based on the enterprise unified credit code in the registration request and the timestamp at the time of registration. This identifier ensures the uniqueness of the enterprise's identity in the supply chain, facilitating subsequent transaction tracking and management. At the same time, the certificate issuance service of the blockchain network generates a blockchain digital certificate based on the registration request. The system fuses the supply chain unique identifier with the blockchain digital certificate to generate a digital identity certificate, which combines the security of blockchain technology with the business characteristics of the supply chain, providing a highly trusted certificate for enterprise identity authentication. Finally, the system generates real-name authentication information based on the name, ID number, mobile phone number and account information in the registration request. The real-name authentication information will serve as the enterprise's identity in the system for subsequent transaction and management operations, ensuring the integrity and security of the entire registration process.

[0060] As an example, when the real-name binding status code is valid, the step of obtaining live detection data and calculating the biological feature similarity value between the live detection data and the face image on the ID card image includes: when the real-name binding status code is valid, obtaining live detection data, and performing key frame sampling on the dynamic video stream in the live detection data to obtain a live face image; performing feature point positioning on the live face image and the face image on the ID card image to obtain a real-time feature point set and a reference feature point set; performing affine transformation alignment on the real-time feature point set and the reference feature point set to generate an aligned live image and an aligned certificate image; performing feature extraction on the aligned live image and the aligned certificate image through a residual network to obtain a live face feature vector and a certificate face feature vector; and calculating the cosine similarity of the live face feature vector and the certificate face feature vector to obtain a biological feature similarity value.

[0061] Dynamic video stream refers to continuous video data collected by a camera in real time when a user performs live detection. These video data contain a series of actions of the user during the detection process, such as blinking and shaking the head, which are used to verify whether the user is the real person operating.

[0062] Live face image refers to a key frame image extracted from a dynamic video stream. These images capture the real-time face picture of the user during the live detection process. By performing key frame sampling on the dynamic video stream, the system can obtain clear and representative live face images for comparison with the face image on the ID card image.

[0063] Real-time feature point set refers to a set of feature points extracted from a live face image. These feature points include the coordinate information of key parts such as eyes, nose, and mouth.

[0064] Reference feature point set refers to a set of feature points extracted from the face image on the ID card image. These feature points also include the coordinate information of key parts such as eyes, nose, and mouth.

[0065] Aligned live image refers to a live face image after affine transformation processing. During the comparison process, the system will perform alignment operation on the real-time feature point set and the reference feature point set, and adjust the pose, angle, and size of the live face image through affine transformation, so that it is geometrically matched with the face image on the ID card as much as possible, in order to perform more accurate feature comparison.

[0066] Aligned certificate image refers to the face image on the ID card image after affine transformation processing. Similar to the aligned live image, the aligned certificate image adjusts its geometric features to ensure consistency in pose, angle, and size with the aligned live image, thereby providing standardized data for subsequent feature extraction and comparison.

[0067] Residual Network (ResNet) is a deep learning architecture used for image recognition and feature extraction tasks. It addresses the gradient vanishing and exploding problems in traditional deep neural network training by constructing a deep network structure, enabling efficient extraction of complex features in images and providing accurate feature vectors for subsequent similarity calculations.

[0068] Live face feature vector refers to the feature representation extracted from the aligned live image by the residual network. It is a high-dimensional feature description of the live face image, containing key information such as face shape and texture.

[0069] Certificate face feature vector refers to the feature representation extracted from the aligned certificate image by the residual network. It is a high-dimensional feature description of the face on the certificate image, used for subsequent similarity calculations.

[0070] Cosine similarity is a measure of the similarity between two vectors. It calculates the cosine of the angle between the two vectors to determine their similarity. The closer the cosine similarity value is to 1, the more similar the two feature vectors are, thereby verifying the consistency of the live face and the face on the certificate.

[0071] First, the credit payment system checks whether the real-name binding status code returned by the telecom operator is within the pre-set valid value range after receiving it. The status code is usually a specific number or code, such as "0000" indicating verification success, thus confirming the validity of the real-name binding status code. This process is to ensure the authenticity and consistency of the mobile phone number and ID number. Second, the system samples key frames from the dynamic video stream and selects the frames containing complete facial features and the most obvious movements as the live face images by analyzing the change rate of the video frames. This ensures that the extracted images have enough information for subsequent comparison. Then, the system locates the feature points on the live face image and the face image on the ID card using a pre-set face detection algorithm to identify the coordinates of key parts such as eyes, nose, and mouth, obtaining real-time feature point sets and reference feature point sets respectively. This process is to find the key reference points in the face image for subsequent image alignment. Next, the system calculates the affine transformation matrix based on the geometric relationship between the real-time feature point set and the reference feature point set, adjusts the pose, angle, and size of the live face image through matrix transformation to align it with the face image on the ID card in spatial position, generating aligned live images and aligned certificate images. The alignment operation is to eliminate the geometric differences between the images and improve the accuracy of comparison. Subsequently, the system inputs the aligned live image and certificate image into the residual network model, which extracts the deep features of the images through multiple convolution and pooling operations, outputs the live face feature vector and the certificate face feature vector, and extracts the features of the images for mathematical calculation. Finally, the system calculates the cosine similarity of the two feature vectors by dividing the dot product of the two vectors by the product of their moduli, obtaining a value between -1 and 1. The closer the value is to 1, the more similar the two feature vectors are, thus obtaining the biometric feature similarity value. This process is to quantify the similarity between the live face and the certificate face images to determine whether they belong to the same person.

[0072] As an example, the step of locating feature points on the live face image and the face image on the ID card to obtain real-time feature point sets and reference feature point sets includes: locating the pupil center of the live face image to obtain pupil coordinate data; performing face triangulation based on the pupil coordinate data to obtain a real-time face mesh; extracting the nose tip, eye corner, and mouth corner feature points from the real-time face mesh to obtain a real-time feature point set; performing face region segmentation on the ID card image to obtain a reference face image; performing face key point detection on the reference face image to obtain a reference face mesh; and performing feature dimension reduction on the reference face mesh to obtain a reference feature point set.

[0073] Pupil coordinate data refers to the specific position information of the pupil center determined by the positioning algorithm in the live face image. The pupil center coordinate calculation formula is as follows:

[0074]

[0075] where, refers to the coordinates of the pupil center; pupil region refers to the pixel set of the pupil region; argmin refers to finding the coordinates that minimize the objective function; refers to the pixel intensity of the image at position ; refers to the pixel intensity of the image at position .

[0076] Real-time face mesh refers to the mesh structure generated by performing face triangulation on a live face image, which is composed of multiple triangles covering the entire face area, and each triangle's vertex is a key feature point on the face. The face triangulation formula is as follows:

[0077]

[0078] where, refers to the circumcircle center coordinates of the triangle, used for face feature point alignment and mesh generation; are the three vertex coordinates of the triangle, respectively, which are face feature points such as eye corners, nose tip, etc.

[0079] Feature points refer to key points with significant features and stability in a face image, such as nose tip, eye corners, mouth corners, etc. The feature point extraction formula is as follows:

[0080]

[0081] where, is the response value of the key point, used to determine the position of the key point; refers to the Hessian matrix, used to describe the local structure of the image, such as edges and corners; refers to the determinant of the Hessian matrix, used to calculate the response value of the key point; refers to the trace of the Hessian matrix, used to calculate the response value of the key point; is a constant, used to control the threshold of the response value, ensuring the accuracy of the key point.

[0082] Reference face image refers to the face region segmented from the ID image. Face region segmentation formula:

[0083]

[0084] where, refers to the similarity of pixel , used to determine the face region; is the pixel intensity of the image at position for calculating the difference from the average intensity; is the average pixel intensity of the face region, used to calculate the difference from each pixel.

[0085] The reference face mesh refers to the mesh structure generated by face key point detection on the reference face image, similar to the real-time face mesh.

[0086] First, the credit payment system locates the pupil center of the live face image through a deep learning model, such as using a pre-trained model in a convolutional neural network (CNN) such as MTCNN (Multi-Task Cascaded Convolutional Neural Networks) or the Dlib library. By detecting the eye area and further refining to the pupil center, the accurate pixel coordinate data of the pupil center is obtained, which provides a stable reference point for subsequent face feature extraction. Second, the system uses the pupil coordinate data and the geometric structure of the face to perform face triangulation on the live face image using the Delaunay triangulation algorithm, dividing the face area into multiple triangular meshes to form a real-time face mesh. This step helps to analyze the face structure in more detail and provides a mesh basis for feature point extraction. Then, the system extracts feature points such as the tip of the nose, the corners of the eyes, and the corners of the mouth from the real-time face mesh. By analyzing the position and geometric relationship of the vertices of each triangle in the mesh and combining the pre-defined feature point rules, the system selects representative feature points to form a real-time feature point set, which is used to describe the geometric features of the live face. At the same time, the system performs face region segmentation on the ID image and uses a semantic segmentation model (such as U-Net or Mask R-CNN) to identify and extract the face-containing region to obtain the reference face image. This process ensures the purity and accuracy of the reference image. Subsequently, the system performs face key point detection on the reference face image using a pre-trained key point detection model (such as OpenPose or Hourglass network) to identify key feature points and form a reference face mesh. These models can accurately locate multiple key points on the face, providing a basis for subsequent feature extraction. Alternatively, the following face key point detection formula can be used to identify key points:

[0087]

[0088] where, is the key point confidence at position for determining the position of the key point; is the normalization constant to ensure that the sum of the confidence is 1; is the number of key point categories, such as eye corners, nose tip, etc. is the mean of the keypoint class for calculating the difference with the image intensity; is the standard deviation of the keypoint class for calculating the difference with the image intensity; is the pixel intensity of the image at the position represents the gray value or color value at the position of the image.

[0089] Finally, the system performs feature dimension reduction on the reference face mesh, extracts more representative and stable feature points through principal component analysis (PCA) or other dimension reduction algorithms, forms a reference feature point set, and then compares and analyzes the real-time feature point set, which reduces data redundancy and improves comparison efficiency and accuracy.

[0090] Step S20, when receiving the binding instruction of the buyer enterprise and verifying that the buyer enterprise and the digital identity certificate of the target seller enterprise in the binding instruction are valid according to the real-name authentication information, binding the buyer enterprise and the target seller enterprise according to the supply chain trade proof data in the binding instruction, and generating a trade relationship identifier.

[0091] It should be noted that the binding instruction refers to a request initiated by the buyer enterprise in the credit payment system to establish a trade relationship with a specific seller enterprise. In this embodiment, the buyer enterprise submits the binding instruction through the system interface or interface, and the instruction contains the relevant information of the target seller enterprise and the necessary data for verifying the authenticity of the trade relationship.

[0092] The target seller enterprise refers to a specific seller enterprise with which the buyer enterprise wants to establish a trade relationship. In this embodiment, the target seller enterprise is a supplier in the supply chain, and the buyer enterprise specifies the seller enterprise to be bound for trade through the binding instruction. The target seller enterprise must have completed the registration in the system and has a valid digital identity certificate, so that the buyer enterprise can verify its identity through the system and establish a legal trade relationship.

[0093] The supply chain trade proof data refers to evidence proving the existence of a real trade relationship between the buyer enterprise and the seller enterprise, which may include but is not limited to procurement contracts, invoices, order information, and other documents or data that can reflect the authenticity of trade between the two parties.

[0094] The trade relationship identifier refers to a code or identifier generated by the system after verifying the identity of the buyer enterprise and the seller enterprise and the trade relationship proof data, which is used to uniquely identify the trade relationship between the two parties. It is a digital representation of the trade relationship in the supply chain, recording the trade relationship between the buyer enterprise and the seller enterprise, and serving as a reference basis for subsequent transactions and fund transfers.

[0095] Please refer to Figure 4 , Figure 4 is a trade relationship binding interface for the credit payment system provided by the first embodiment of the blockchain and supply chain-based credit payment method of the present application. The interface allows the buyer enterprise to bind the trade relationship with the registered seller enterprise through the system. The interface includes multiple functional modules, such as core enterprise selection, partner tax identification number input, binding time selection, etc., to facilitate the enterprise to operate according to the actual trade demand. The user can select the core enterprise through the drop-down menu, input the tax identification number of the partner, and specify the binding time range. In addition, the interface also provides "query", "new binding" and "batch binding" buttons, respectively used for retrieving existing binding relationships, creating new trade relationship bindings, and performing batch binding operations on multiple partners. After the binding operation is completed, relevant information such as the core enterprise, partner name, tax identification number, binding time and operator will be recorded in the system table for subsequent management and tracking. The whole interface design aims to simplify the trade relationship binding process between enterprises, improve the efficiency and transparency of supply chain financial activities, and at the same time ensure that all transaction records are stored safely and tamper-proof on the blockchain, providing a reliable and efficient credit payment environment for enterprises in the supply chain.

[0096] It can be understood that first, after receiving the binding instruction submitted by the buyer enterprise, the system verifies whether the digital identity credentials of the buyer enterprise and the target seller enterprise are real and valid by calling the smart contract in the blockchain network (a smart contract is an automated contract execution mechanism based on blockchain technology, which is deployed in the form of code in the blockchain network and automatically executes the contract terms when the preset conditions are met. In this embodiment, the smart contract is used to manage and execute the issuance, transfer and verification of electronic debt certificates, and its code runs on the blockchain to ensure transparency, tamper-proof and automatic execution of all operations, thereby improving the efficiency and security of transactions and reducing the possibility of human intervention and errors.). This process takes advantage of the tamper-proof nature of the blockchain to ensure the authenticity and security of the identity information. Second, the system conducts a detailed audit of the supply chain trade proof data provided in the binding instruction, which typically includes specific information such as purchase contract number, invoice number, order amount, etc. The system compares these trade proof data with internal databases or external authoritative data to verify their authenticity and legality, ensuring that there is a real and valid trade between the two parties. Finally, after confirming that the identities of both parties are valid and the trade proof data is correct, the system binds the buyer enterprise with the target seller enterprise through the smart contract in the blockchain network and generates a unique trade relationship identifier. This identifier records the trade relationship between the two parties and is stored on the blockchain, facilitating subsequent transaction tracing and fund transfer operations, while ensuring the transparency and tamper-proof nature of the trade relationship.

[0097] Step S30, when receiving the payment request of the buyer enterprise, generating an electronic credit certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier, and issuing the electronic credit certificate to the target seller enterprise.

[0098] It should be noted that the payment request refers to the application initiated by the buyer enterprise in the credit payment system for paying the goods or service cost to the target seller enterprise, which is the formal payment instruction submitted by the buyer enterprise to the system according to the trade contract or order between the two parties, and is used to trigger the subsequent electronic credit certificate generation and payment process. In this embodiment, the payment request contains the identity information of the buyer enterprise, the identity information of the target seller enterprise, the payment amount, and the trade relationship identifier related to the payment.

[0099] Accounts payable refers to the amount of money that the buyer enterprise has not yet paid to the seller enterprise during the trade between the two parties, which reflects the specific amount of money that the buyer enterprise needs to pay to the seller enterprise, and is usually determined based on the purchase contract or order amount between the two parties.

[0100] Electronic credit certificate refers to the digital credit certificate generated by the system according to the accounts payable amount in the payment request, which is a digital payment tool based on blockchain technology, used to replace traditional paper credit certificates. It records the accounts payable information of the buyer enterprise to the seller enterprise, and is issued and circulated through the blockchain network. It has the characteristics of non-tamperability, traceability, and transferability, which can ensure the security and transparency of the payment process, and also provides a more flexible way of fund management for the seller enterprise.

[0101] Please refer to Figure 5 , Figure 5The payment interface of the credit payment system provided by the first embodiment of the credit payment method based on blockchain and supply chain of the present application is shown in the figure. The interface is used by the buyer enterprise to open an electronic debt certificate (star note) to the seller enterprise. The interface contains multiple key fields, such as "quota name", "opening date", "available quota", "recipient", "recipient tax identification number", "joint letter amount", "promised payment date", "note" and "financing interest payment mode". The buyer enterprise needs to select the quota name from the drop-down box, fill in the opening date, input the available quota and recipient information, including the tax identification number. The joint letter amount is filled in capital letters to ensure the accuracy of the amount. The promised payment date is the date when the buyer enterprise promises to pay the seller enterprise, the note field is used to fill in any additional transaction information or remarks, and the financing interest payment mode drop-down box allows different financing schemes to be selected to adapt to different trade needs. After completing all the information, the operator clicks the "operator confirmation" button to submit the payment request, and the system then generates an electronic debt certificate and sends it to the seller enterprise account. The entire payment process combines real-name authentication, blockchain technology and supply chain trade proof data to ensure the authenticity, security and traceability of the payment, providing an efficient and transparent credit payment environment for enterprises in the supply chain.

[0102] As an example, when the payment request of the buyer enterprise is received, the step of generating an electronic debt certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier and issuing the electronic debt certificate to the target seller enterprise includes: when the payment request of the buyer enterprise is received, analyzing the accounts payable amount, payment period and associated contract number in the payment request; querying the blockchain ledger according to the trade relationship identifier to obtain the compressed hash value of the trade binding data package, the blockchain ledger storing the trade relationship binding record of the buyer enterprise and the target seller enterprise; generating an electronic debt certificate according to the accounts payable amount, the payment period, the associated contract number and the compressed hash value; issuing the electronic debt certificate to the target seller enterprise.

[0103] The payment period refers to the specific time range in which the buyer enterprise promises to pay the accounts payable in the payment request, which clearly specifies the last date for the buyer enterprise to complete the payment.

[0104] The associated contract number refers to the unique identification number of the procurement contract or trade contract related to the payment request, which is used to associate the payment request with the specific trade contract to ensure that the payment behavior is consistent with the contract terms. Through the associated contract number, the system can trace back to the specific content of the contract, including the amount, terms, delivery date, etc., to provide a contract basis for the payment request.

[0105] The blockchain ledger refers to a distributed ledger stored in the blockchain network, which records all transactions and data in an unalterable account information. In this embodiment, the blockchain ledger stores the trade relationship binding records between the buyer enterprise and the target seller enterprise and other related transaction information, and its distributed characteristics ensure the transparency and security of the data, while its unalterable characteristics provide a credible record for trade relationship and payment behavior.

[0106] The trade binding data packet refers to a data set generated when the buyer enterprise and the target seller enterprise bind the trade relationship. In this embodiment, the trade binding data packet contains the identity information of both parties, the trade relationship identifier, the binding timestamp and other related data, which are compressed and stored in the blockchain ledger for subsequent verification and traceability of the authenticity of the trade relationship.

[0107] The compressed hash value refers to a fixed-length string obtained by processing the trade binding data packet with a hash algorithm, which is the unique identifier of the trade binding data packet, used for quick retrieval and verification of the trade relationship binding record in the blockchain ledger.

[0108] The trade relationship binding record refers to the specific information stored in the blockchain ledger, which records the trade relationship binding between the buyer enterprise and the target seller enterprise. In this embodiment, the trade relationship binding record contains the identity information of both parties, the trade relationship identifier, the binding timestamp and the compressed hash value, etc. These records provide the basis for subsequent payment behavior, ensure that the payment request is consistent with the trade relationship of both parties, and also provide the basis for the system to trace and verify.

[0109] Firstly, the system structurally analyzes the received payment request of the buyer enterprise, extracts the key information in the payment request including the amount of accounts receivable, payment deadline and associated contract number through the preset data analysis module according to the established data format and field rules, and provides accurate data for subsequent voucher generation. Secondly, the system uses the trade relationship identifier carried in the payment request as a query keyword to access the blockchain ledger, retrieves the relevant data package bound to the trade relationship, and extracts the compressed hash value from it. Then, the system takes the parsed amount of accounts receivable, payment deadline, associated contract number and obtained compressed hash value as input parameters, calls the preset electronic debt certificate generation template, generates an electronic debt certificate containing these key information according to the established format and rules. This process ensures the standardization and standardization of the electronic debt certificate through the template and parameterization method, and uses the hash value to ensure the association between the certificate and the trade relationship binding record. Finally, the system issues the generated electronic debt certificate to the target seller enterprise through the smart contract mechanism of the blockchain network. The automatic execution feature of the smart contract ensures the timeliness and accuracy of the certificate issuance, and the record function of the blockchain provides a trusted environment for the circulation and verification of the certificate, completing the entire payment process.

[0110] Please refer to Figure 6 , Figure 6 The credit payment logic diagram provided by the first embodiment of the credit payment method based on blockchain and supply chain of the present application is provided. The diagram shows the logical flow of electronic certificate opening in detail. The process starts with the core enterprise logging into the system. The core enterprise first invites agents and auditors to register on the platform. These personnel are responsible for handling the opening and auditing of electronic certificates. After registration, the core enterprise binds the enterprise UKEY, which is a secure device used to store digital certificates and private keys to ensure the security of transactions and the verification of enterprise identity. Then, the core enterprise distributes UKEY to the agents and auditors, enabling them to perform subsequent operations.

[0111] In the upstream enterprise part, the person in charge selects the transaction object and submits the application for opening a certificate. The system first performs UKEY verification to verify whether the identity of the operator is legal. If the UKEY verification is passed, the reviewer will review the opening application. After the review is passed, the system uses the UKEY again for review confirmation to ensure the security and accuracy of the review process. If the UKEY review is also passed, the upstream enterprise will receive the electronic certificate and can view the payment commitment letter to complete the credit payment process. In addition, the figure also shows the process of employees joining the enterprise. Employees first register through the "handling / auditing registration platform" and then fill in the invitation code to join the enterprise, which ensures that only authorized employees can join the enterprise, enhancing the security of the system and the confidentiality of enterprise information. The entire process ensures the security and transparency of transactions through blockchain technology, simplifies the payment process in the supply chain through digital electronic certificates, improves the efficiency of the use of funds, and provides an innovative supply chain finance solution for enterprises in the supply chain.

[0112] Step S40, when receiving the target seller enterprise's instruction to sign for the electronic debt certificate, transferring the electronic debt certificate to the target seller enterprise account.

[0113] It should be noted that the instruction to sign for is an operation instruction initiated by the target seller enterprise to the credit payment system after receiving the electronic debt certificate issued by the buyer enterprise, which indicates that the seller enterprise has confirmed the receipt of the electronic debt certificate and agrees to include it in its own account system.

[0114] It can be understood that first, after the system detects the instruction to sign for initiated by the target seller enterprise through its authorized account, it will perform identity verification and permission check on the instruction to ensure that the initiator of the instruction has the legal signing authority. This process is completed by comparing the digital signature in the instruction with the pre-stored authorization information to prevent unauthorized operations. Second, after verification, the system will call the smart contract in the blockchain network to transfer the ownership of the electronic debt certificate from the buyer enterprise's blockchain account to the target seller enterprise's blockchain account. The automatic execution feature of the smart contract ensures the accuracy and non-tamperability of the transfer operation, and the blockchain ledger records each transaction of the transfer, providing a basis for subsequent tracing and auditing. Finally, after completing the transfer, the system updates the electronic debt certificate balance information of both parties' accounts and sends a confirmation notice to the target seller enterprise, informing it of the successful signing. At the same time, the system also records the log of this operation for subsequent inquiry and management, ensuring the integrity and traceability of the entire signing and transfer process.

[0115] Step S50, when receiving the electronic credit certificate corresponding to the request for transfer of the right, the current holder of the electronic credit certificate is changed to the assignee in the request for transfer of the right, and the credit payment is completed.

[0116] It should be noted that the request for transfer of the right refers to an application initiated by the current holder of the electronic credit certificate (usually the seller enterprise) in the credit payment system to transfer the right represented by the electronic credit certificate to another party (the assignee). In this embodiment, the request for transfer of the right usually includes the amount of transfer, the identity information of the assignee, and the specific terms of the transfer. This request allows enterprises to transfer unexpired electronic credit certificates to financial institutions or other enterprises when they need funds to obtain funds in advance, thereby improving the liquidity of funds.

[0117] The current holder refers to an enterprise or institution that actually holds the electronic credit certificate and owns the right represented by the certificate at a certain time. The current holder may be the seller enterprise that originally received the electronic credit certificate from the buyer enterprise, or other enterprises that obtained the certificate through transfer of the right.

[0118] The assignee refers to the subject that receives the electronic credit certificate and assumes the corresponding right in the process of transfer of the right, which can be a financial institution, other enterprises or any legal economic entity. The assignee obtains the right represented by the electronic credit certificate by accepting the request for transfer of the right, and has the right to collect the corresponding amount from the buyer enterprise when the certificate expires.

[0119] As an example, the step of changing the current holder of the electronic credit certificate to the assignee in the request for transfer of the right when the request for transfer of the right corresponding to the electronic credit certificate is received to complete the credit payment includes: when the request for transfer of the right corresponding to the electronic credit certificate is received, parsing the certificate identifier, the requester, the assignee and the transfer timestamp in the request for transfer of the right; querying the blockchain ledger to verify whether the current holder of the electronic credit certificate is the requester, obtaining a query result, the blockchain ledger stores the trade relationship binding record of the buyer enterprise and the target seller enterprise; when the query result is passed, updating the holder field of the electronic credit certificate to the assignee.

[0120] The certificate identifier refers to the unique identification code of the electronic credit certificate, which is used to accurately distinguish and locate each electronic credit certificate in the system. It is usually a unique serial number or hash value generated by the system, which runs through the entire life cycle of the electronic credit certificate, from generation, circulation to final redemption, ensuring the traceability and uniqueness of the certificate in the blockchain ledger.

[0121] The requester refers to the enterprise or institution that initiates the request for transfer of the right.

[0122] Assignee refers to the enterprise or institution that receives the request for debt transfer and is willing to purchase the electronic debt certificate.

[0123] Transfer timestamp refers to the specific time point when the debt transfer request is submitted, usually recorded in a time format accurate to seconds.

[0124] Query result refers to the system's verification conclusion after querying the blockchain ledger, whether the current holder of the electronic debt certificate is the requestor, usually a Boolean value (pass or fail).

[0125] Holder field refers to the field in the electronic debt certificate data structure that records the identity information of the enterprise or institution currently holding the certificate, which stores the identity of the current owner of the certificate, such as the enterprise name, unified social credit code, etc.

[0126] First, after receiving the request for debt transfer, the system will use the pre-set data parsing module to extract key information from the request according to the established format and rules, including certificate identification, requestor, assignee and transfer timestamp. This process ensures that the system can accurately identify and process the core data in the transfer request. Second, the system uses the extracted certificate identification as a query keyword to access the blockchain ledger, retrieve the current holder information related to the electronic debt certificate, and compare the query result with the requestor information to verify whether the requestor is the legal holder of the certificate. The blockchain ledger stores complete trade relationship binding records, which provide authoritative basis for verification, ensuring the legality and security of the transfer operation. Finally, if the query result shows that the requestor is indeed the current holder of the certificate, the system will call the blockchain smart contract to update the holder field of the electronic debt certificate from the requestor to the assignee. This update operation is completed through the distributed ledger technology of the blockchain, ensuring the data's immutability and transparency, thus completing the entire debt transfer process.

[0127] The embodiment provides a credit payment method based on a blockchain and a supply chain. When receiving a registration request of a buyer enterprise or a seller enterprise, a credit payment system performs distributed identity authentication through a blockchain network, generates a digital identity certificate containing a unique identifier of a supply chain and real-name authentication information, and the process utilizes the tamper-proof feature of the blockchain to ensure the authenticity and uniqueness of the enterprise identity, thereby providing a reliable identity basis for subsequent transactions. When receiving a binding instruction of the buyer enterprise, the system verifies whether the digital identity certificates of the buyer enterprise and the target seller enterprise in the binding instruction are valid, and binds a trade relationship according to supply chain trade proof data, and generates a trade relationship identifier. This step ensures the authenticity and legality of the trade relationship through verification, and prevents the generation of false transactions. When the system receives a payment request of the buyer enterprise, an electronic debt certificate corresponding to the accounts payable is generated based on the trade relationship identifier, and is issued to the target seller enterprise. The use of blockchain technology ensures the transparency and tamper-proof nature of the payment behavior, improves the payment efficiency and security. When the target seller enterprise signs for the electronic debt certificate, the system transfers the certificate to the seller enterprise account. This process ensures the tamper-proof nature and traceability of the transaction through the record of the blockchain ledger, and ensures the smooth completion of the transaction. Finally, when the system receives a debt transfer request corresponding to the electronic debt certificate, it verifies whether the current holder is the requestor, and changes the holder of the certificate to the assignee after verification, and completes the credit payment. This step is automatically executed through the smart contract of the blockchain, ensuring the transparency and tamper-proof nature of the debt transfer. The entire process realizes the automation and transparency of the key links such as identity authentication, trade relationship binding, generation and circulation of electronic debt certificates, and debt transfer of enterprises in the supply chain through the blockchain technology, and can prevent the mispayment of non-trade objects in the supply chain payment and realize the safe circulation of debts.

[0128] Based on the first embodiment of the present application, the same or similar contents as the above-mentioned embodiment one can be referred to the above introduction, and the following will not be repeated. On this basis, please refer to Figure 7 , Figure 7 The flowchart of the second embodiment of the credit payment method based on the blockchain and the supply chain of the present application is shown. The steps S20 of the credit payment method based on the blockchain and the supply chain include steps S21-S25.

[0129] Step S21, when receiving the binding instruction of the buyer enterprise, verifying the validity of the digital identity certificate of the buyer enterprise and the target seller enterprise in the binding instruction according to the real-name authentication information, and obtaining a verification result.

[0130] It should be noted that the verification result refers to the conclusion obtained by the system after verifying the digital identity credentials of the buyer enterprise and the target seller enterprise specified in the binding instruction according to the real-name authentication information. It is usually a clear state identifier, such as "pass" or "fail".

[0131] It can be understood that first, after receiving the binding instruction of the buyer enterprise, the system extracts the identity information of the buyer enterprise and the target seller enterprise and the corresponding digital identity credentials from the instruction, which is the basis for subsequent verification. Second, the system calls the verification module in the blockchain network, and compares the digital identity credentials of the buyer enterprise and the target seller enterprise with the real-name authentication information stored on the blockchain, verifies the authenticity, integrity and timeliness of the credentials, and ensures that the credentials have not been tampered with and belong to the corresponding enterprise. Finally, the system generates a verification result based on the comparison result, which clearly indicates whether the digital identity credentials of the buyer enterprise and the target seller enterprise are valid. This verification result will be used as the basis for subsequent trade relationship binding process. Only when the verification result is "pass", the system will continue to perform the operation of trade relationship binding.

[0132] Step S22, when the verification result is valid, querying the blockchain ledger based on the unified social credit code of the target seller enterprise in the binding instruction to obtain the historical transaction hash chain of the buyer enterprise and the target seller enterprise, and the blockchain ledger stores the trade relationship binding records of the buyer enterprise and the target seller enterprise.

[0133] It should be noted that the historical transaction hash chain refers to the sequence of hash values of all historical transaction information between the buyer enterprise and the target seller enterprise in the blockchain ledger. Each hash value represents a specific transaction record. These hash values are connected in chronological order to form an unalterable chain structure.

[0134] It can be understood that first, after confirming that the verification result is valid, the system extracts the unified social credit code of the target seller enterprise from the binding instruction as the key information for searching. Second, the system searches for all historical transaction records related to the buyer enterprise and the target seller enterprise in the blockchain ledger using the unified social credit code. The blockchain ledger stores the hash value of each transaction, which is generated by a specific encryption algorithm and can uniquely identify each transaction record. Then, the system sorts these hash values in chronological order of the transactions to form a continuous hash chain, i.e. the historical transaction hash chain. Finally, after obtaining the historical transaction hash chain, the system can use it to verify the authenticity and continuity of the trade relationship between the buyer enterprise and the target seller enterprise, providing data support for subsequent trade relationship binding.

[0135] Step S23, sending an encrypted binding request containing a timestamp and supply chain trade proof data in the binding instruction to the target seller enterprise, so that the target seller enterprise feeds back a private key signature.

[0136] It should be noted that the encrypted binding request refers to a kind of encrypted request information sent by the system to the target seller enterprise, which is used to request the target seller enterprise to confirm and bind the trade relationship, and ensure that the confirmation and binding of the trade relationship are completed in a safe environment.

[0137] The private key signature is the confirmation and response information of the target seller enterprise to the encrypted binding request, indicating that it agrees to establish a trade relationship with the buyer enterprise. The private key is a unique encryption key of the target seller enterprise, which is used to generate a digital signature. The digital signature can verify the source and integrity of the request, ensuring that the request is sent by the target seller enterprise and has not been tampered with during transmission.

[0138] It can be understood that first, the system extracts supply chain trade proof data such as contract number, amount and other key information from the binding instruction, and generates a data package combined with the current timestamp. These information will be used as the core content of the binding request to prove the legitimacy and timeliness of the trade relationship. Secondly, the system uses encryption algorithm to encrypt the data package and generates an encrypted binding request. The encryption process ensures the confidentiality and integrity of the data during transmission. Finally, the system sends the encrypted binding request to the target seller enterprise. After receiving the request, the target seller enterprise uses its private key to sign the encrypted binding request, generates a private key signature, and feeds back to the credit payment system, ensuring the authenticity and non-repudiation of the trade relationship.

[0139] Step S24, based on the encrypted binding request, calculating the matching degree of the private key signature and the public key of the target seller enterprise.

[0140] It should be noted that the matching degree refers to the degree of conformity between the private key signature and the public key of the target seller enterprise in the digital signature verification process, which is usually a numerical value.

[0141] As an example, the step of calculating the matching degree of the private key signature and the public key of the target seller enterprise based on the encrypted binding request comprises: performing structural analysis on the private key signature to separate the horizontal coordinate component value and the vertical coordinate component value in the elliptic curve digital signature; performing modular inverse element calculation on the vertical coordinate component value to obtain a modular inverse element; performing modular multiplication operation on the hash digest of the encrypted binding request and the modular inverse element to obtain a first intermediate parameter; performing modular multiplication operation on the horizontal coordinate component value and the modular inverse element to obtain a second intermediate parameter; performing elliptic curve point operation on the first intermediate parameter, the second intermediate parameter, and the public key of the target seller enterprise to obtain a verification point coordinate; and obtaining the matching degree according to the numerical difference between the horizontal coordinate value of the verification point coordinate and the horizontal coordinate component value.

[0142] An elliptic curve digital signature (ECDSA) is a digital signature mechanism based on an elliptic curve cryptography (ECC) algorithm. In the ECDSA signature, the signature data usually contains two parts: a horizontal coordinate component value and a vertical coordinate component value. The two component values are obtained by performing specific mathematical operations on the message to be signed (the encrypted binding request), and are used to prove the authenticity of the signature in the verification process. The specific mathematical operation process is as follows:

[0143] ① Select a random number : The signer selects a random number , which must be secret and different each time the signature is signed.

[0144] ② Calculate the elliptic curve point : Calculate the point using the random number and the base point of the elliptic curve. Here is a fixed point on the elliptic curve, called the base point, which is usually pre-specified by a cryptography standard or protocol.

[0145] ③ Calculate the horizontal coordinate component value : Take the horizontal coordinate of the point , and take it modulo (the order of the elliptic curve) to obtain . If is 0, the random number needs to be reselected and the above steps are repeated.

[0146] ④ Calculate the hash value of the message : Perform a hash operation on the message to be signed to obtain a fixed-length hash value .

[0147] ⑤Calculate the ordinate component value : Use the formula , where is the modular inverse of , and is the private key of the signer. If is 0, a new random number needs to be selected and the above steps are repeated.

[0148] The modular inverse element refers to the inverse element of a number in modular operation. In the process of elliptic curve signature verification, the modular inverse element is used to calculate some intermediate parameters to ensure the correctness of the verification process.

[0149] The hash digest refers to the fixed-length digest value obtained by processing data through a hash function. The hash function has one-wayness and collision resistance, that is, the original data cannot be restored from the digest value, and different input data almost cannot produce the same digest value. In this embodiment, the hash digest is the result obtained by performing hash operation on the encrypted binding request, which is used to ensure the integrity and consistency of the data in the signature verification process.

[0150] The first intermediate parameter is an intermediate value calculated in the process of elliptic curve signature verification, which is obtained by performing modular multiplication operation on the hash digest and the modular inverse element, and is used for subsequent elliptic curve point operation.

[0151] The second intermediate parameter is also an intermediate value calculated in the process of elliptic curve signature verification, which is obtained by performing modular multiplication operation on the abscissa component value and the modular inverse element, and is used for subsequent elliptic curve point operation together with the first intermediate parameter.

[0152] The verification point coordinate refers to the coordinate of a point obtained by performing elliptic curve point operation on the first intermediate parameter, the second intermediate parameter and the public key of the target seller enterprise in the process of elliptic curve signature verification, which is used for the final signature verification step to determine whether the signature is valid.

[0153] The abscissa value refers to the abscissa part of the verification point coordinate.

[0154] Firstly, when structurally analyzing the private key signature, the credit payment system will decode the private key signature data (usually a byte sequence) according to the format (such as ASN.1 encoding) of ECDSA signature, separate the abscissa component value and the ordinate component value of the elliptic curve digital signature, which are the core part of the signature and are used for subsequent verification; secondly, the ordinate component value is calculated by the modular inverse element, and an integer is found Modular inverse element), modular inverse element calculation formula:

[0155]

[0156] Wherein, is the order of the elliptic curve.

[0157] Modular inverse element is the key intermediate value of verifying the signature, used for subsequent modular multiplication operation; then, the encrypted binding request is subjected to hash operation, obtaining hash digest The hash digest is used to ensure the integrity and consistency of the data, prevent the data from being tampered with, and then the hash digest And the modular inverse element Modular multiplication operation obtains the first intermediate parameter The calculation formula is as follows:

[0158]

[0159] At the same time, the horizontal coordinate component value And the modular inverse element Modular multiplication operation obtains the second intermediate parameter The calculation formula is as follows:

[0160]

[0161] Next, the first intermediate parameter , the second intermediate parameter And the public key of the target seller enterprise , elliptic curve point operation is carried out to obtain the verification point coordinate, and the elliptic curve point operation formula is as follows:

[0162]

[0163] Wherein, is the verification point coordinate, is the base point of the elliptic curve. The verification point coordinate is used for the final signature verification step; finally, the horizontal coordinate value Of the verification point coordinate is compared with the horizontal coordinate component value In the signature, the numerical difference between them is calculated, and the matching degree is obtained according to the difference value. If , the matching degree is 100%, the signature verification is passed, otherwise the verification fails. This method can ensure the authenticity and validity of the signature, prevent forgery and tampering.

[0164] Step S25, when the matching degree is greater than the preset matching threshold, the private key signature is combined with the historical transaction hash chain to obtain a binding data packet, and the binding data packet is subjected to hash operation to obtain a trade relationship identifier.

[0165] It should be noted that the preset matching threshold refers to a value set in advance in the verification process for judging whether the matching degree of the private key signature and the target seller enterprise public key reaches an acceptable standard, which is usually a value close to 100%, such as 99% or 100%. The binding data packet refers to a data structure formed by combining the private key signature and the historical transaction hash chain, which contains the information of the private key signature and the historical transaction hash chain.

[0166] It can be understood that first, after confirming that the matching degree is greater than the preset matching threshold, the system will splice the private key signature and the historical transaction hash chain. The specific operation is to connect the byte sequence of the private key signature and the byte sequence of the historical transaction hash chain in order to form a new byte sequence, which is the binding data packet. Second, in order to ensure the uniqueness and non-tamperability of the binding data packet, the system will perform a hash operation on the binding data packet, usually using a secure hash algorithm such as SHA-256, to generate a fixed-length hash value. Finally, this hash value is defined as the trade relationship identifier, which serves as the unique identifier of the trade relationship binding between the buyer enterprise and the target seller enterprise, and is stored in the blockchain ledger for subsequent transaction tracing and verification, ensuring the authenticity and security of the trade relationship.

[0167] When the system receives the binding instruction of the buyer enterprise in this embodiment, it first verifies the validity of the digital identity credentials of the buyer enterprise and the target seller enterprise based on the real-name authentication information, ensuring that the identities of the enterprises participating in the transaction are real and reliable. If the verification result is valid, the system will query the blockchain ledger based on the unified social credit code of the target seller enterprise to obtain the historical transaction hash chain between the buyer enterprise and the target seller enterprise. The blockchain ledger stores the trade relationship binding records of the two parties, and by querying the historical transaction hash chain, the system can verify the authenticity and continuity of the trade relationship between the two parties, providing historical data support for the new trade relationship binding. Subsequently, the system sends an encrypted binding request containing the timestamp and the supply chain trade proof data in the binding instruction to the target seller enterprise. After receiving the encrypted binding request, the target seller enterprise signs the request using its private key and feeds back the signature to the system. Based on the encrypted binding request, the system calculates the matching degree of the private key signature and the public key of the target seller enterprise, which is completed through the elliptic curve digital signature algorithm, ensuring the authenticity and validity of the signature. If the matching degree is greater than the preset matching threshold, the system will combine the private key signature and the historical transaction hash chain to form a binding data packet, and perform a hash operation on the binding data packet to generate a trade relationship identifier, which is stored in the blockchain ledger for subsequent transaction tracing and verification, ensuring the uniqueness and non-tamperability of the trade relationship binding, providing a reliable verification mechanism for transactions in the supply chain, enhancing the transparency and credibility of the entire supply chain, and effectively preventing non-trade object mispayment in supply chain payment and realizing the safe circulation of debts.

[0168] The application also provides a credit payment system based on a blockchain and a supply chain, which refers to Figure 8 The credit payment system based on the blockchain and the supply chain comprises:

[0169] A registration module 10 is configured to, when receiving a registration request of a buyer enterprise or a seller enterprise, perform distributed identity authentication on the buyer enterprise or the seller enterprise in a blockchain network according to the registration request, and generate a digital identity certificate containing a unique supply chain identifier and real-name authentication information.

[0170] A trade binding module 20 is configured to, when receiving a binding instruction of the buyer enterprise and verifying, according to the real-name authentication information, that the digital identity certificate of the buyer enterprise and a target seller enterprise in the binding instruction is valid, binding the buyer enterprise and the target seller enterprise in a trade relationship according to supply chain trade proof data in the binding instruction, and generating a trade relationship identifier.

[0171] An issuing certificate module 30 is configured to, when receiving a payment request of the buyer enterprise, generating an electronic credit certificate corresponding to an account payable in the payment request based on the trade relationship identifier, and issuing the electronic credit certificate to the target seller enterprise.

[0172] A signed certificate module 40 is configured to, when receiving a signed instruction of the target seller enterprise on the electronic credit certificate, transferring the electronic credit certificate to an account of the target seller enterprise.

[0173] A credit transfer module 50 is configured to, when receiving a credit transfer request corresponding to the electronic credit certificate, changing a current holder of the electronic credit certificate to a transferee in the credit transfer request, and completing credit payment.

[0174] The application provides a credit payment device based on a blockchain and a supply chain, which comprises at least one processor and a memory in communication connection with the at least one processor, wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the credit payment method based on the blockchain and the supply chain in the above embodiment one.

[0175] The application provides a computer readable storage medium having computer readable program instructions stored thereon, and the computer readable program instructions are used to perform the credit payment method based on the blockchain and the supply chain in the above embodiment.

[0176] The blockchain and supply chain based credit payment system and the storage medium provided by the application can solve the technical problem of how to prevent non-trade object mispayment in supply chain payment and realize safe circulation of debts by using the blockchain and supply chain based credit payment method in the above embodiment. Compared with the prior art, the blockchain and supply chain based credit payment system and the storage medium provided by the application have the same beneficial effects as the blockchain and supply chain based credit payment method provided by the above embodiment, and other technical features in the blockchain and supply chain based credit payment system and the storage medium are the same as the features disclosed in the previous embodiment method, which will not be repeated here.

[0177] The above is only part of the embodiments of the application, and does not limit the patent scope of the application. Any equivalent structural transformation made by using the content of the specification and drawings, or direct / indirect application in other related technical fields under the technical concept of the application is included in the patent protection scope of the application.

Claims

1. A blockchain and supply chain based credit payment method, characterized in that, The method comprises: When receiving a registration request of a buyer enterprise or a seller enterprise, performing distributed identity authentication of the buyer enterprise or the seller enterprise in a blockchain network according to the registration request, and generating a digital identity certificate containing a unique supply chain identifier and real-name authentication information; When receiving a binding instruction of the buyer enterprise and verifying that the digital identity certificate of the target seller enterprise in the binding instruction is valid according to the real-name authentication information, binding the buyer enterprise and the target seller enterprise in a trade relationship according to supply chain trade proof data in the binding instruction, and generating a trade relationship identifier; When receiving a payment request of the buyer enterprise, generating an electronic credit certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier, and issuing the electronic credit certificate to the target seller enterprise; When receiving a signing instruction of the target seller enterprise on the electronic credit certificate, transferring the electronic credit certificate to the target seller enterprise account; When receiving a credit transfer request corresponding to the electronic credit certificate, changing the current holder of the electronic credit certificate to the assignee in the credit transfer request, and completing credit payment; The step of binding the buyer enterprise and the target seller enterprise in a trade relationship according to supply chain trade proof data in the binding instruction when receiving a binding instruction of the buyer enterprise and verifying that the digital identity certificate of the target seller enterprise in the binding instruction is valid according to the real-name authentication information comprises: When receiving the binding instruction of the buyer enterprise, verifying the validity of the digital identity certificate of the target seller enterprise in the binding instruction according to the real-name authentication information to obtain a verification result; When the verification result is valid, querying a blockchain account book based on the unified social credit code of the target seller enterprise in the binding instruction to obtain a historical transaction hash chain of the buyer enterprise and the target seller enterprise, and the blockchain account book stores trade relationship binding records of the buyer enterprise and the target seller enterprise; Sending an encrypted binding request containing a timestamp and supply chain trade proof data in the binding instruction to the target seller enterprise to make the target seller enterprise feedback a private key signature; Based on the encrypted binding request, calculating the matching degree of the private key signature and the public key of the target seller enterprise; When the matching degree is greater than a preset matching threshold, merging the private key signature and the historical transaction hash chain to obtain a binding data packet, and performing hash operation on the binding data packet to obtain a trade relationship identifier; The step of generating an electronic credit certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier when receiving a payment request of the buyer enterprise, and issuing the electronic credit certificate to the target seller enterprise comprises: When receiving the payment request of the buyer enterprise, parse the account amount, payment deadline and associated contract number in the payment request; According to the trade relationship identifier, query the blockchain ledger to obtain a compressed hash value of a trade binding data packet, and the blockchain ledger stores trade relationship binding records of the buyer enterprise and the target seller enterprise; According to the account amount, the payment deadline, the associated contract number and the compressed hash value, generate an electronic debt certificate; Issue the electronic debt certificate to the target seller enterprise.

2. The method of claim 1, wherein, The step of calculating the matching degree of the private key signature and the public key of the target seller enterprise based on the encrypted binding request comprises: Structurally analyze the private key signature to separate the horizontal coordinate component value and the vertical coordinate component value in the elliptic curve digital signature; Perform modular inverse element calculation on the vertical coordinate component value to obtain a modular inverse element; Perform modular multiplication operation on the hash digest of the encrypted binding request and the modular inverse element to obtain a first intermediate parameter; Perform modular multiplication operation on the horizontal coordinate component value and the modular inverse element to obtain a second intermediate parameter; Perform elliptic curve point operation on the first intermediate parameter, the second intermediate parameter and the public key of the target seller enterprise to obtain a verification point coordinate; Obtain the matching degree according to the numerical difference between the horizontal coordinate value of the verification point coordinate and the horizontal coordinate component value.

3. The method of claim 1, wherein, When receiving the registration request of the buyer enterprise or the seller enterprise, according to the registration request, the step of performing distributed identity authentication of the buyer enterprise or the seller enterprise in the blockchain network to generate a digital identity certificate containing a unique supply chain identifier and real-name authentication information comprises: When receiving the registration request of the buyer enterprise or the seller enterprise, perform image segmentation and optical character recognition on the identity card image in the registration request to obtain the name and the identity card number; Send the mobile phone number in the registration request and the identity card number to a telecom operator to enable the telecom operator to feed back a real-name binding status code; When the real-name binding status code is valid, obtain live body detection data and calculate the biological feature similarity value between the live body detection data and the face image on the identity card image; When the biological feature similarity value is greater than or equal to a preset similarity threshold, generate a unique supply chain identifier based on the enterprise unified credit code and the registration timestamp in the registration request; Fuse the unique supply chain identifier and a blockchain digital certificate to obtain a digital identity certificate, and the blockchain digital certificate is generated by a certificate issuing service of the blockchain network according to the registration request; Generate real-name authentication information according to the name, the identity card number, the mobile phone number and the account information in the registration request.

4. The method of claim 3, wherein, The step of obtaining live body detection data and calculating the biological feature similarity value between the live body detection data and the face image on the identity card image when the real-name binding status code is valid comprises: When the real-name binding state code is valid, live detection data is acquired, and key frame sampling is performed on a dynamic video stream in the live detection data to obtain a live face image; Feature point positioning is performed on face images on the live face image and the identity card image to obtain a real-time feature point set and a reference feature point set; Affine transformation alignment is performed on the real-time feature point set and the reference feature point set to generate an aligned live image and an aligned certificate image; Feature extraction is performed on the aligned live image and the aligned certificate image by using a residual network to obtain a live face feature vector and a certificate face feature vector; A biological feature similarity value is obtained by calculating a cosine similarity of the live face feature vector and the certificate face feature vector.

5. The method of claim 4, wherein, The step of performing feature point positioning on the live face image and the face image on the identity card image to obtain a real-time feature point set and a reference feature point set comprises: Pupil center positioning is performed on the live face image to obtain pupil coordinate data; Face triangulation is performed according to the pupil coordinate data to obtain a real-time face mesh; Nose tip, eye corner, and mouth corner feature points are extracted from the real-time face mesh to obtain a real-time feature point set; Face region segmentation is performed on the identity card image to obtain a reference face image; Face key point detection is performed on the reference face image to obtain a reference face mesh; Feature dimension reduction is performed on the reference face mesh to obtain a reference feature point set.

6. The method of any one of claims 1 to 5, wherein, The step of, when the electronic debt certificate corresponding debt transfer request is received, changing the current holder of the electronic debt certificate to the assignee in the debt transfer request to complete credit payment comprises: When the electronic debt certificate corresponding debt transfer request is received, the certificate identifier, the requestor, the assignee, and the transfer timestamp in the debt transfer request are parsed; A blockchain ledger is queried to verify whether the current holder of the electronic debt certificate is the requestor, and a query result is obtained, wherein the blockchain ledger stores trade relationship binding records of the buyer enterprise and the target seller enterprise; When the query result is passed, the holder field of the electronic debt certificate is updated to the assignee. 7.A blockchain and supply chain based credit payment system, characterized in that, The system comprises: A registration module is configured to, when a registration request of a buyer enterprise or a seller enterprise is received, perform distributed identity authentication of the buyer enterprise or the seller enterprise in a blockchain network according to the registration request, and generate a digital identity certificate containing a supply chain unique identifier and real-name authentication information. The trade binding module is used for binding the buyer enterprise and the target seller enterprise according to the supply chain trade proof data in the binding instruction and generating a trade relationship identifier when receiving the binding instruction of the buyer enterprise and verifying that the digital identity certificate of the target seller enterprise in the binding instruction is valid according to the real-name authentication information. The step of binding the buyer enterprise and the target seller enterprise according to the supply chain trade proof data in the binding instruction and generating a trade relationship identifier when receiving the binding instruction of the buyer enterprise and verifying that the digital identity certificate of the target seller enterprise in the binding instruction is valid according to the real-name authentication information comprises the following steps: verifying the validity of the digital identity certificate of the target seller enterprise in the binding instruction according to the real-name authentication information when receiving the binding instruction of the buyer enterprise, and obtaining a verification result; querying a blockchain account book based on the unified social credit code of the target seller enterprise in the binding instruction when the verification result is valid, and obtaining a historical transaction hash chain of the buyer enterprise and the target seller enterprise, wherein the blockchain account book stores trade relationship binding records of the buyer enterprise and the target seller enterprise; sending an encrypted binding request containing a timestamp and the supply chain trade proof data in the binding instruction to the target seller enterprise, so that the target seller enterprise feeds back a private key signature; calculating the matching degree of the private key signature and the public key of the target seller enterprise based on the encrypted binding request; merging the private key signature and the historical transaction hash chain to obtain a binding data packet when the matching degree is greater than a preset matching threshold, and performing hash operation on the binding data packet to obtain a trade relationship identifier; The issuing certificate module is used for generating an electronic debt certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier and issuing the electronic debt certificate to the target seller enterprise when receiving the payment request of the buyer enterprise. The step of generating an electronic debt certificate corresponding to the accounts payable in the payment request based on the trade relationship identifier and issuing the electronic debt certificate to the target seller enterprise when receiving the payment request of the buyer enterprise comprises the following steps: analyzing the accounts payable amount, payment period and associated contract number in the payment request when receiving the payment request of the buyer enterprise; querying a blockchain account book according to the trade relationship identifier to obtain a compressed hash value of the trade binding data packet, wherein the blockchain account book stores trade relationship binding records of the buyer enterprise and the target seller enterprise; generating an electronic debt certificate according to the accounts payable amount, the payment period, the associated contract number and the compressed hash value; and issuing the electronic debt certificate to the target seller enterprise. a signature receipt module, configured to, in response to receiving a signature instruction of the target seller enterprise on the electronic credit receipt, transfer the electronic credit receipt to the target seller enterprise account; a credit transfer module, configured to, in response to receiving a credit transfer request corresponding to the electronic credit receipt, change the current holder of the electronic credit receipt to a transferee in the credit transfer request, and complete the credit payment.

8. A storage medium, characterized by The storage medium is a computer readable storage medium, and the storage medium stores a computer program. The computer program is executed by the processor to implement the steps of the credit payment method based on the blockchain and the supply chain according to any one of claims 1 to 6.

Images