Intelligent processing system and method for cross-border trade finance

Abstract

The application discloses a cross-border trade finance intelligent processing system and method, which can be applied to the field of computer and financial technology, and contains four modules of application interaction, intention routing, heterogeneous ledger and data calculation. The application interaction module collects cross-border trade document feature data to generate a document identification code, generates a standardized cross-border financial business request and translates it into business intention information; the intention routing module analyzes the intention, matches the optimal clearing path of the heterogeneous ledger and outputs cross-chain collaborative execution instructions; the heterogeneous ledger module performs timeout rollback cross-chain asset atomic exchange, and intercepts repeated financing based on the verification mark generated by the document identification code; the data calculation module outputs the risk control score through federated learning and differential privacy, and dynamically adjusts the financing interest rate combined with the route track driving contract. In this way, the four modules synergistically integrate document verification, cross-chain atomic settlement, privacy risk control and dynamic parameter adjustment mechanism, improving the safety, settlement efficiency and risk control accuracy of cross-border trade financial business.

Description

Technical Field

[0001] This application relates to the fields of computer and financial technology, and in particular to an intelligent processing system and method for cross-border trade finance. Background Technology

[0002] Traditional cross-border trade finance relies on offline intermediaries and paper documents to complete the entire process. The business participants are from different countries and regions, and each deploys an independent blockchain ledger to form a heterogeneous distributed ledger system. Trade documents and business operation data need to be repeatedly transmitted and verified between multiple entities, and risk control relies solely on manual judgment based on static historical data.

[0003] While existing technologies introduce blockchain for on-chain notarization of trade documents, they lack standardized business intent transformation and multi-chain automatic routing and scheduling capabilities. Cross-chain asset exchanges lack atomicity guarantees, resulting in low settlement efficiency and the risk of unilateral default. Furthermore, the absence of a privacy computing framework makes it easy for data privacy to be leaked when original documents are shared. There is also no global document verification and identification mechanism, making it difficult to prevent duplicate financing of the same document. Moreover, the risk control model cannot dynamically adjust business rules based on real-time logistics data. All of these factors combined lead to insufficient business security, low settlement efficiency, and low risk control accuracy.

[0004] Therefore, how to improve the security, settlement efficiency, and risk control accuracy of cross-border trade finance is an urgent problem to be solved by those skilled in the art. Summary of the Invention

[0005] To address the aforementioned issues, this application provides an intelligent processing system and method for cross-border trade finance. By integrating four modules—an application interaction module, an intent routing module, a heterogeneous ledger module, and a data calculation module—it achieves document verification, cross-chain atomic settlement, privacy risk control, and dynamic parameter adjustment mechanisms. This enables document privacy protection, heterogeneous chain clearing, and real-time risk control, thereby improving the security, settlement efficiency, and risk control accuracy of cross-border trade finance.

[0006] In a first aspect, embodiments of this application provide an intelligent processing system for cross-border trade finance, including: an application interaction module, an intent routing module, a heterogeneous ledger module, and a data calculation module; The application interaction module is used to collect cross-border trade document feature data and generate corresponding document identification codes; generate standardized cross-border financial business requests based on the document identification codes; and convert the standardized cross-border financial business requests into business intent information and output them to the intent routing module. The intent routing module is connected to the application interaction module and is used to parse the business intent information, match the optimal asset settlement path among multiple heterogeneous distributed ledgers, and output the corresponding cross-chain collaborative execution instruction to the heterogeneous ledger module. The heterogeneous ledger module deploys multiple heterogeneous distributed ledgers for executing cross-chain asset atomic swaps with timeout rollback mechanisms based on the cross-chain collaborative execution instructions; simultaneously, it utilizes a verification identifier generated based on the document identification code to complete duplicate financing interception verification. The data calculation module is connected to the application interaction module and the heterogeneous ledger module respectively. It is used to store the feature data of the cross-border trade documents, perform federated learning and differential privacy calculation based on the feature data of the cross-border trade documents to obtain a risk control score, and push the risk control score to the heterogeneous ledger module to adjust the business execution rules. At the same time, it collects the real-time flight trajectory of the goods and inputs the preset contract to drive the automatic dynamic adjustment of the financing interest rate parameter.

[0007] Optionally, the standardized cross-border financial transaction request is the International Organization for Standardization (ISO) 20022 standardized cross-border financial message.

[0008] Optionally, the verification identifier is a null value; The null value symbol is generated based at least on the hash value of the exporter's private key and the document identification code; The null value symbol corresponds one-to-one with the document identification code and is stored in the heterogeneous distributed ledger.

[0009] Optionally, the preset contract is an interest rate control smart contract deployed on the heterogeneous distributed ledger.

[0010] Optionally, the heterogeneous ledger module adopts a hash time-locking protocol and sets a challenge period when performing the cross-chain asset atomic swap; if the secret value disclosure verification is not completed within the challenge period, the heterogeneous ledger module automatically executes the logic of returning all funds to their original source.

[0011] Optionally, the data calculation module is also used to monitor the feedback of gradient reconstruction attacks; If the feedback is detected, the privacy budget is reduced and the intensity of Laplacian noise injected into the local model gradient is increased.

[0012] Optionally, the application interaction module is also used to generate a zero-knowledge proof based on the cross-border trade document feature data, and transmit the zero-knowledge proof along with the business intent information to the intent routing module to complete the document privacy verification.

[0013] Optionally, the heterogeneous ledger module includes: a smart contract cluster; The smart contract cluster is used to execute null value deduplication verification and hash time locking cross-chain settlement logic.

[0014] Secondly, embodiments of this application provide an intelligent processing method for cross-border trade finance, including: Collect cross-border trade document feature data and generate corresponding document identification codes; A standardized cross-border financial business request is generated based on the document identification code, and the standardized cross-border financial business request is converted into business intent information. The business intent information is parsed, and the optimal asset liquidation path is matched among multiple heterogeneous distributed ledgers to generate cross-chain collaborative execution instructions. Based on the cross-chain collaborative execution instruction, cross-chain asset atomic swaps with timeout rollback mechanism are executed; at the same time, the verification identifier generated based on the document identification code is used to complete the duplicate financing interception verification; The system stores the feature data of the cross-border trade documents, performs federated learning and differential privacy computation based on the feature data to obtain a risk control score, and adjusts the business execution rules based on the risk control score; at the same time, it collects the real-time flight trajectory of the goods and inputs the preset contract to drive the automatic dynamic adjustment of the financing interest rate parameter.

[0015] Optionally, the method further includes: Zero-knowledge proofs are generated based on the collected cross-border trade document feature data, and document privacy verification is completed based on the zero-knowledge proofs.

[0016] As can be seen from the above technical solutions, compared with the prior art, this application has the following advantages: This application provides an intelligent processing system for cross-border trade finance, comprising: an application interaction module, an intent routing module, a heterogeneous ledger module, and a data calculation module. The application interaction module collects characteristic data of cross-border trade documents and generates corresponding document identification codes; it generates standardized cross-border financial business requests based on the document identification codes and converts these requests into business intent information, which is then output to the intent routing module. The intent routing module, connected to the application interaction module, parses the business intent information and matches the optimal asset clearing path among multiple heterogeneous distributed ledgers, outputting corresponding cross-chain collaborative execution instructions to the heterogeneous ledger module. The heterogeneous ledger module deploys multiple heterogeneous distributed ledgers and executes cross-chain asset atomic swaps with timeout rollback mechanisms based on cross-chain collaborative execution instructions; simultaneously, it utilizes verification identifiers generated based on document identification codes to perform duplicate financing interception verification. The data computation module is connected to both the application interaction module and the heterogeneous ledger module. It stores characteristic data from cross-border trade documents, performs federated learning and differential privacy computation based on this data to obtain a risk control score, and pushes this score to the heterogeneous ledger module to adjust business execution rules. Simultaneously, it collects real-time cargo flight trajectories and inputs them into preset contracts, driving automated dynamic adjustments to financing interest rate parameters. Thus, through the collaborative integration of these four modules—application interaction, intent routing, heterogeneous ledger, and data computation—document verification, cross-chain atomic settlement, privacy risk control, and dynamic parameter adjustment mechanisms are achieved. This enables document privacy protection, heterogeneous chain clearing, and real-time risk control, improving the security, settlement efficiency, and risk control accuracy of cross-border trade finance. Attached Figure Description

[0017] Figure 1 A schematic diagram of the structure of an intelligent cross-border trade finance processing system provided in this application embodiment; Figure 2 A flowchart illustrating an intelligent processing method for cross-border trade finance provided in this application embodiment. Detailed Implementation

[0018] As mentioned earlier, existing technologies suffer from insufficient business security, low settlement efficiency, and low risk control accuracy. Specifically, while existing technologies introduce blockchain for on-chain notarization of trade documents, they lack standardized business intent transformation and multi-chain automatic routing and scheduling capabilities. Cross-chain asset exchanges lack atomicity guarantees, resulting in low settlement efficiency and the risk of unilateral default. Furthermore, the lack of a privacy computing framework makes sharing original documents prone to data privacy leaks, and the absence of a global document verification and identification mechanism makes it difficult to prevent duplicate financing of the same document. Moreover, risk control models cannot dynamically adjust business rules based on real-time logistics data. These combined factors lead to insufficient business security, low settlement efficiency, and low risk control accuracy.

[0019] To address the aforementioned issues, this application provides an intelligent cross-border trade finance processing system, comprising: an application interaction module, an intent routing module, a heterogeneous ledger module, and a data calculation module. The application interaction module collects characteristic data of cross-border trade documents and generates corresponding document identification codes; it generates standardized cross-border financial business requests based on the document identification codes and converts these requests into business intent information, which is then output to the intent routing module. The intent routing module, connected to the application interaction module, parses the business intent information and matches the optimal asset clearing path among multiple heterogeneous distributed ledgers, outputting corresponding cross-chain collaborative execution instructions to the heterogeneous ledger module. The heterogeneous ledger module deploys multiple heterogeneous distributed ledgers and executes cross-chain asset atomic swaps with timeout rollback mechanisms based on the cross-chain collaborative execution instructions; simultaneously, it utilizes verification identifiers generated based on document identification codes to perform duplicate financing interception verification. The data calculation module is connected to the application interaction module and the heterogeneous ledger module respectively. It is used to store cross-border trade document feature data, perform federated learning and differential privacy calculation based on the cross-border trade document feature data to obtain a risk control score, and push the risk control score to the heterogeneous ledger module to adjust the business execution rules. At the same time, it collects the real-time flight trajectory of goods and inputs the preset contract to drive the automatic dynamic adjustment of financing interest rate parameters.

[0020] In this way, by integrating the four modules of application interaction module, intent routing module, heterogeneous ledger module and data calculation module, document verification, cross-chain atomic settlement, privacy risk control and dynamic parameter adjustment mechanism, document privacy protection, heterogeneous chain clearing and real-time risk control are achieved, thereby improving the security, settlement efficiency and risk control accuracy of cross-border trade finance business.

[0021] It should be noted that the intelligent processing system and method for cross-border trade finance provided in this application can be applied to the fields of computer and financial technology. The above are merely examples and do not limit the application field of the intelligent processing system and method for cross-border trade finance provided in this application.

[0022] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0023] Figure 1 This is a schematic diagram of a cross-border trade finance intelligent processing system provided as an embodiment of this application. (Combined with...) Figure 1As shown, the intelligent cross-border trade finance processing system 100 includes: an application interaction module 110, an intent routing module 120, a heterogeneous ledger module 130, and a data calculation module 140. The application interaction module 110 is used to collect cross-border trade document feature data and generate corresponding document identification codes; generate standardized cross-border financial business requests based on the document identification codes; and convert the standardized cross-border financial business requests into business intent information and output them to the intent routing module 120. The intent routing module 120 is connected to the application interaction module 110 and is used to parse the business intent information, match the optimal asset settlement path among multiple heterogeneous distributed ledgers, and output the corresponding cross-chain collaborative execution instruction to the heterogeneous ledger module 130. The heterogeneous ledger module 130 is deployed with multiple heterogeneous distributed ledgers, used to execute cross-chain asset atomic swaps with timeout rollback mechanisms based on the cross-chain collaborative execution instructions; at the same time, it uses a verification identifier generated based on the document identification code to complete duplicate financing interception verification. The data calculation module 140 is connected to the application interaction module 110 and the heterogeneous ledger module 130 respectively. It is used to store the feature data of the cross-border trade documents, perform federated learning and differential privacy calculation based on the feature data of the cross-border trade documents to obtain a risk control score, and push the risk control score to the heterogeneous ledger module 130 to adjust the business execution rules. At the same time, it collects the real-time flight trajectory of the goods and inputs the preset contract to drive the automatic dynamic adjustment of the financing interest rate parameter.

[0024] Specifically, the intelligent cross-border trade finance processing system 100 provided in this application includes four core collaborative modules: an application interaction module 110, an intent routing module 120, a heterogeneous ledger module 130, and a data calculation module 140. Externally, the system interfaces with exporter terminals 111 and various financial institution nodes 112, among other business participants. Further, the application interaction module 110 connects with the exporter terminal 111 to collect cross-border trade document characteristic data and generates a unique document identification code for each transaction. Based on the document identification code, a unified standardized cross-border financial business request is generated, and this request is converted into standardized business intent information and sent to the intent routing module 120. This unified document identification and standardized information conversion eliminates differences in document formats among different entities, providing a unified data benchmark for document verification and cross-chain scheduling. The intent routing module 120 receives business intent information submitted by the application interaction module 110 and parses it through the intent parsing engine 121. It then maps the corresponding logical constraints to the path solver network 122, which automatically connects to multiple heterogeneous distributed ledgers corresponding to each financial institution node 112, matches the optimal asset clearing path, and issues cross-chain collaborative execution instructions to the heterogeneous ledger module 130. In this way, automated routing scheduling breaks down the silos of heterogeneous ledger clearing, eliminating the need for manual configuration of cross-chain channels and improving cross-chain clearing efficiency. The heterogeneous ledger module 130 deploys multiple heterogeneous distributed ledgers corresponding to various financial institutions (such as the exporting country settlement ledger 131 and the importing country clearing ledger 132) within its distributed ledger cluster. It also includes a built-in smart contract cluster 133, which contains a hash-locked contract 134. Based on cross-chain collaborative execution instructions, the heterogeneous ledger module 130 executes cross-chain asset atomic swaps with a timeout rollback mechanism through the hash-locked contract 134. Simultaneously, it generates a verification identifier based on the document identification code to complete deduplication verification (intercepting duplicate financing transactions) and privacy verification. Thus, the timeout rollback-based atomic swap ensures the integrity and consistency of cross-chain asset exchanges, avoids unilateral default risks, and the global verification identifier fundamentally prevents fraudulent activities such as multiple financings using the same document. The data computation module 140 is connected to the application interaction module 110 and the heterogeneous ledger module 130, respectively. It stores the original feature data of documents (cross-border trade document feature data) from the exporter's terminal 111 locally (in the off-chain distributed storage unit 141). Using the federated learning computing cluster 142, it outputs a risk control score through federated learning and differential privacy computation, which is then sent to the heterogeneous ledger module 130 to adjust business rules. Simultaneously, it accesses the real-time cargo route trajectory (real-time logistics parameters) through the IoT oracle 143 and inputs it into a preset contract to automatically adjust the financing interest rate. In this way, the privacy computation framework ensures that the original document data does not leave the domain, meeting cross-border data sovereignty compliance requirements. Combined with real-time logistics data, it dynamically updates risk control rules, improving the timeliness and accuracy of risk control.In summary, the four core modules work together in conjunction with exporter terminal 111 and multiple financial institution nodes 112 to simultaneously address technical deficiencies such as cross-border data privacy leaks, inefficiencies in heterogeneous blockchain settlements, and duplicate financing of documents, effectively improving the security, settlement efficiency, and risk control accuracy of cross-border trade finance.

[0025] As one implementation method, regarding how to set up standardized cross-border financial business requests, the aforementioned standardized cross-border financial business requests are ISO 20022 standardized cross-border financial messages.

[0026] Specifically, the application interaction module 110 generates a standardized cross-border financial business request based on the document identification code. This request uses the ISO 20022 standardized cross-border financial message. ISO 20022 is a globally recognized financial message standard that uniformly specifies the data fields, transmission formats, and interaction logic for cross-border financing and clearing transactions. The exporter terminal 111, financial institution nodes 112 in various countries, the exporting country's settlement ledger 131, and the importing country's clearing ledger 132 can all directly recognize this message. Based on this message, the problem of incompatibility between message formats of different countries and financial institutions can be eliminated, saving cumbersome format conversion steps and reducing data parsing errors. The intent routing module 120 can also directly read and parse the business content in the message, quickly match the optimal clearing path, and effectively improve the efficiency of business interaction and data transmission stability between cross-border and cross-institutional entities.

[0027] As one implementation method, regarding how to set the verification flag, the above verification flag is a null value; The null value symbol is generated based at least on the hash value of the exporter's private key and the document identification code; The null value symbol corresponds one-to-one with the document identification code and is stored in the heterogeneous distributed ledger.

[0028] Specifically, the verification identifier provided in this application for completing the duplicate financing interception verification adopts a nullifier. To prevent duplicate financing, the system uses a formula... Calculate the null operator, where For the exporter's private key, This is the document identification code. The null value is generated by combining at least the exporter's private key and the hash value calculated from the document identification code. Each document identification code generates only a unique null value, and the two are matched one-to-one. After generation, it is simultaneously stored in all heterogeneous distributed ledgers, including the exporting country's settlement ledger 131 and the importing country's clearing ledger 132. It's understandable that by adding the exporter's private key when generating the null value, only the exporter of the corresponding document can produce a valid null value, preventing external personnel from forging verification documents to fraudulently obtain financing. The null value and document identification code are bound one-to-one and stored across the network. When financial institutions process financing, the smart contract cluster 133 retrieves the null value stored on the chain to quickly verify whether the document has already been financed. Leveraging the immutability of blockchain, unified deduplication of cross-border and cross-institutional documents is achieved, fundamentally preventing fraud such as multiple financing applications for the same trade document.

[0029] As one implementation method, regarding how to set up the preset contract, the preset contract is an interest rate regulation smart contract deployed on the heterogeneous distributed ledger.

[0030] Specifically, the data computing module 140 is equipped with an IoT oracle 143, which can capture real-time cargo flight paths. The credit score obtained from federated learning aggregation is pushed to the smart contract cluster 133 of the heterogeneous ledger module 130 through "verification and evidence storage feedback". The preset contract referenced by the data computing module 140 is specifically an interest rate control smart contract deployed in various heterogeneous distributed ledgers. Real-time cargo flight path data is uniformly input into this interest rate control smart contract, which has a built-in preset risk control judgment logic that can automatically adjust and update financing interest rate parameters in combination with logistics dynamic information. It is understood that the smart contract cluster 133 provided in this application may also include other contracts; this application only uses the interest rate control smart contract and hash locking contract 134 as examples. By solidifying the interest rate control logic into an on-chain smart contract, all adjustment rules are publicly traceable and cannot be arbitrarily tampered with. At the same time, by dynamically adjusting the interest rate based on real-time flight path data, the financing price can be corrected in real time to match the actual logistics risk of the cargo, without the need for manual calculation and modification of the interest rate. This reduces manual operation costs and improves the timeliness and accuracy of cross-border trade financial risk control pricing.

[0031] As one implementation method, regarding how to perform cross-chain asset atomic swaps, the heterogeneous ledger module 130 adopts a hash time-locking protocol and sets a challenge period when performing the cross-chain asset atomic swaps; if the secret value disclosure verification is not completed within the challenge period, the heterogeneous ledger module 130 automatically executes the logic of returning all funds to their original source.

[0032] Specifically, when the heterogeneous ledger module 130 completes the cross-chain atomic swap of assets between the exporting country's settlement ledger 131 and the importing country's clearing ledger 132, it uses a hash time-locking protocol to constrain the entire transaction, while setting a fixed-duration challenge period for each cross-chain transaction. Both parties must present their corresponding secret values ​​within the challenge period, and only after passing contract verification can the asset transfer between the two ledgers be completed. If the secret value disclosure verification is not completed within the challenge period, the heterogeneous ledger module 130 will automatically execute a fund return operation, returning all locked funds to the initial accounts of all parties. Thus, the hash lock is used to lock the transaction unlocking certificate, and the time lock relies on the challenge period to define the effective operation time limit. The combination of the two ensures the complete atomicity of cross-chain transactions; a transaction has only two outcomes: complete transfer or full refund, preventing unilateral fund transfers or situations where one party fulfills its obligations while the other defaults. By setting a challenge period and a corresponding automatic refund mechanism, it effectively prevents problems such as unilateral default, transaction stagnation, and long-term fund freezes in cross-border cross-chain settlements, eliminating the need for third-party intermediaries to handle disputes. This ensures the security of cross-border fund swaps and improves the overall stability and reliability of transactions.

[0033] As one implementation, regarding the design of the data calculation module 140, the data calculation module 140 is also used to monitor the feedback of gradient reconstruction attacks; If the feedback is detected, the privacy budget is reduced and the intensity of Laplacian noise injected into the local model gradient is increased.

[0034] Specifically, the data computing module is equipped with a computing cluster to support dynamic risk control. The original credit data from each financial institution's 112 nodes is stored locally, and the credit model is collaboratively trained using a federated learning computing cluster 142. To achieve differential privacy protection, the nodes inject Laplace noise into the original gradient g, as shown in the calculation formula. In the formula To add noise gradient, Representing gradient Sensitivity This is the privacy budget parameter. The data computation module 140 relies on the aforementioned federated learning combined with differential privacy training to train the risk control model, while simultaneously monitoring for abnormal feedback from gradient reconstruction attacks in real time. Once an attack feedback is detected, the privacy budget is reduced accordingly. Furthermore, it increases the intensity of Laplace noise injected into the local gradient. Understandably, gradient reconstruction attacks can use gradients to back-engineer original transaction secrets, reducing privacy budgets and amplifying noise to double-blur sensitive business information, thereby improving data security through a simplified protection mechanism and meeting cross-border privacy compliance requirements.

[0035] As one implementation method, regarding how to complete document privacy verification, the application interaction module 110 is also used to generate a zero-knowledge proof based on the cross-border trade document feature data, and transmit the zero-knowledge proof along with the business intent information to the intent routing module 120 to complete the document privacy verification.

[0036] Specifically, after the application interaction module 110 collects the feature data of cross-border trade documents, it first stores the original document data in the off-chain distributed storage unit 141 of the data computing module 140, and then generates a zero-knowledge proof based on the feature data of the cross-border trade documents. When generating the zero-knowledge proof corresponding to financing, the system will read the privacy budget parameters of the participating parties. The algorithm employs zero-knowledge succinct non-interactive argument of knowledge (zk-SNARKs) to generate hidden privacy witnesses. Zero-knowledge proof This ensures that the verification circuit satisfies the equation. In the formula This represents publicly available verification parameters. To verify the key, the generated zero-knowledge proof and business intent information are then sent to the intent routing module 120, which uses the zero-knowledge proof to complete the document privacy verification. Thus, by leveraging the zk-SNARKs zero-knowledge proof mechanism, the authenticity and compliance of the document can be verified without disclosing the enterprise or the complete confidential information of the document, balancing verification needs with data privacy and security. The original document data is stored off-chain, reducing the amount of data uploaded to the blockchain and alleviating the storage pressure on heterogeneous ledgers.

[0037] As one implementation method, regarding how to design the heterogeneous ledger module 130, the heterogeneous ledger module 130 includes: a smart contract cluster 133; The smart contract cluster 133 is used to execute null value deduplication verification and hash time locking cross-chain settlement logic.

[0038] Specifically, the heterogeneous ledger module 130 internally houses a smart contract cluster 133, which carries two core business logics: one is null value deduplication verification logic, and the other is hash time-locked cross-chain settlement logic. In this way, splitting the cluster into two independent contract logics allows for separate document deduplication interception and cross-border, cross-chain asset atomic swaps, with logic isolation facilitating independent maintenance and upgrades. Through dual on-chain automated verification and settlement, both duplicate document financing and the security of cross-chain fund transactions are prevented.

[0039] In summary, this application provides an intelligent processing system for cross-border trade finance, comprising: an application interaction module, an intent routing module, a heterogeneous ledger module, and a data calculation module. The application interaction module collects characteristic data of cross-border trade documents and generates corresponding document identification codes; it generates standardized cross-border financial business requests based on the document identification codes and converts these requests into business intent information, which is then output to the intent routing module. The intent routing module, connected to the application interaction module, parses the business intent information and matches the optimal asset clearing path among multiple heterogeneous distributed ledgers, outputting corresponding cross-chain collaborative execution instructions to the heterogeneous ledger module. The heterogeneous ledger module deploys multiple heterogeneous distributed ledgers and executes cross-chain asset atomic swaps with timeout rollback mechanisms based on cross-chain collaborative execution instructions; simultaneously, it utilizes verification identifiers generated based on document identification codes to perform duplicate financing interception verification. The data computation module is connected to both the application interaction module and the heterogeneous ledger module. It stores characteristic data from cross-border trade documents, performs federated learning and differential privacy computation based on this data to obtain a risk control score, and pushes this score to the heterogeneous ledger module to adjust business execution rules. Simultaneously, it collects real-time cargo flight trajectories and inputs them into preset contracts, driving automated dynamic adjustments to financing interest rate parameters. Thus, through the collaborative integration of these four modules—application interaction, intent routing, heterogeneous ledger, and data computation—document verification, cross-chain atomic settlement, privacy risk control, and dynamic parameter adjustment mechanisms are achieved. This enables document privacy protection, heterogeneous chain clearing, and real-time risk control, improving the security, settlement efficiency, and risk control accuracy of cross-border trade finance.

[0040] Figure 2 A flowchart illustrating an intelligent cross-border trade finance processing method provided in this application embodiment. (Combined with...) Figure 2 As shown in the embodiments of this application, a cross-border trade finance intelligent processing method may include: S201: Collect cross-border trade document feature data and generate corresponding document identification codes.

[0041] S202: Generate a standardized cross-border financial business request based on the document identification code, and convert the standardized cross-border financial business request into business intent information.

[0042] S203: Parse the business intent information and match the optimal asset liquidation path among multiple heterogeneous distributed ledgers to generate cross-chain collaborative execution instructions.

[0043] S204: Execute cross-chain asset atomic swaps with timeout rollback mechanism based on the cross-chain collaborative execution instruction; at the same time, use the verification identifier generated based on the document identification code to complete the duplicate financing interception verification.

[0044] S205: Store the cross-border trade document feature data, perform federated learning and differential privacy calculation based on the cross-border trade document feature data to obtain a risk control score, and adjust the business execution rules based on the risk control score; at the same time, collect the real-time flight trajectory of the goods and input the preset contract to drive the automatic dynamic adjustment of the financing interest rate parameter.

[0045] In practical applications, the system first uses the application interaction module to collect cross-border trade document feature data and generate a unique document identification code. Then, based on the document identification code, it generates a standardized cross-border financial business request using ISO 20022 standardized cross-border financial messages, converting this standardized message into parsable business intent information. Subsequently, the intent routing module parses this business intent information, traverses multiple heterogeneous distributed ledgers such as the exporting country's settlement ledger and the importing country's clearing ledger to match the optimal asset clearing path, and outputs the corresponding cross-chain collaborative execution instruction to the heterogeneous ledger module. The heterogeneous ledger module executes a cross-chain asset atomic swap according to this instruction, incorporating a hash time-locking protocol and an automatic timeout return mechanism. Simultaneously, it retrieves a global verification identifier generated by hashing the exporter's private key and the document identification code to complete full-chain deduplication and intercept duplicate financing activities. In addition, the data computing module simultaneously stores document feature data in off-chain distributed storage units, retaining original credit data locally at each financial institution. Risk control scores are then generated through federated learning computing clusters combined with differential privacy computing injected with Laplace noise. Business execution rules are dynamically adjusted based on these risk control scores. Simultaneously, IoT oracles capture real-time cargo flight paths and input them into interest rate adjustment smart contracts, automatically adjusting financing interest rate parameters dynamically. This entire process streamlines the entire chain from document collection, standardized message exchange, optimal cross-chain clearing routing, secure atomic settlement, anti-duplicate financing verification, privacy risk control, and dynamic interest rate pricing. It unifies cross-border financial data exchange standards, mitigates the risk of unilateral cross-chain fund defaults, eliminates duplicate financing fraud from the ground up, and protects enterprise transaction privacy throughout the process. Combining enterprise credit and cargo flow information improves the accuracy of cross-border financing risk control and pricing.

[0046] Furthermore, since there are different ways to complete document privacy verification, this application embodiment can describe one possible way of doing so.

[0047] In one instance, the method further includes: Zero-knowledge proofs are generated based on the collected cross-border trade document feature data, and document privacy verification is completed based on the zero-knowledge proofs.

[0048] In practical applications, after the application interaction module collects characteristic data of cross-border trade documents, the original document data is first stored in the off-chain distributed storage unit of the data computing module, and then combined with the privacy budget parameters of the participating parties. The zk-SNARKs algorithm is used to generate hidden privacy witnesses. Zero-knowledge proof This proof satisfies the verification circuit equation. The generated zero-knowledge proof, along with the business intent information, is then transmitted to the intent routing module, which uses this zero-knowledge proof to complete the document privacy verification. In this way, the authenticity and compliance of a document can be verified without disclosing confidential corporate transaction information within the document, balancing the verification needs of cross-border business with cross-border data privacy compliance requirements. Furthermore, storing the original document data off-chain can alleviate the storage pressure on heterogeneous ledgers.

[0049] In summary, this application first collects cross-border trade document feature data and generates corresponding document identification codes; based on the document identification codes, it generates standardized cross-border financial business requests and converts these requests into business intent information. Then, it parses the business intent information and matches the optimal asset settlement path among multiple heterogeneous distributed ledgers to generate cross-chain collaborative execution instructions. Next, it executes cross-chain asset atomic swaps with timeout rollback mechanisms based on these instructions; simultaneously, it uses a verification identifier generated based on the document identification codes to complete duplicate financing interception verification. Finally, it stores the cross-border trade document feature data, performs federated learning and differential privacy computation based on this data to obtain a risk control score, and adjusts the business execution rules based on the risk control score; simultaneously, it collects real-time cargo flight trajectories and inputs them into a preset contract to drive automated dynamic adjustment of financing interest rate parameters. Thus, by synergistically integrating four modules—document verification, cross-chain atomic settlement, privacy risk control, and dynamic parameter adjustment mechanisms—it achieves document privacy protection, heterogeneous chain settlement, and real-time risk control, improving the security, settlement efficiency, and risk control accuracy of cross-border trade financial transactions.

[0050] The above description of the disclosed embodiments enables those skilled in the art to make or use this application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of this application. Therefore, this application is not to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A cross-border trade finance intelligent processing system, characterized in that, The system includes: an application interaction module, an intent routing module, a heterogeneous ledger module, and a data computing module; The application interaction module is used to collect cross-border trade document feature data and generate corresponding document identification codes; generate standardized cross-border financial business requests based on the document identification codes; and convert the standardized cross-border financial business requests into business intent information and output them to the intent routing module. The intent routing module is connected to the application interaction module and is used to parse the business intent information, match the optimal asset settlement path among multiple heterogeneous distributed ledgers, and output the corresponding cross-chain collaborative execution instruction to the heterogeneous ledger module. The heterogeneous ledger module deploys multiple heterogeneous distributed ledgers for executing cross-chain asset atomic swaps with timeout rollback mechanisms based on the cross-chain collaborative execution instructions; simultaneously, it utilizes a verification identifier generated based on the document identification code to complete duplicate financing interception verification. The data calculation module is connected to the application interaction module and the heterogeneous ledger module respectively. It is used to store the feature data of the cross-border trade documents, perform federated learning and differential privacy calculation based on the feature data of the cross-border trade documents to obtain a risk control score, and push the risk control score to the heterogeneous ledger module to adjust the business execution rules. At the same time, it collects the real-time flight trajectory of the goods and inputs the preset contract to drive the automatic dynamic adjustment of the financing interest rate parameter.

2. The system according to claim 1, characterized in that, The standardized cross-border financial business request is the ISO20022 standardized cross-border financial message.

3. The system according to claim 1, characterized in that, The verification identifier is a null value; The null value symbol is generated at least based on the hash value of the exporter's private key and the document identification code; The null value symbol corresponds one-to-one with the document identification code and is stored in the heterogeneous distributed ledger.

4. The system according to claim 1, characterized in that, The preset contract is an interest rate control smart contract deployed on the heterogeneous distributed ledger.

5. The system according to claim 1, characterized in that, The heterogeneous ledger module employs a hash time-locking protocol and sets a challenge period when executing the cross-chain asset atomic swap. If the secret value disclosure verification is not completed within the challenge period, the heterogeneous ledger module automatically executes the logic of returning all funds to their original source.

6. The system according to claim 1, characterized in that, The data calculation module is also used to monitor feedback from gradient reconstruction attacks; If the feedback is detected, the privacy budget is reduced and the intensity of Laplacian noise injected into the local model gradient is increased.

7. The system according to claim 1, characterized in that, The application interaction module is also used to generate zero-knowledge proofs based on the cross-border trade document feature data, and transmit the zero-knowledge proofs along with the business intent information to the intent routing module to complete document privacy verification.

8. The system according to claim 1, characterized in that, The heterogeneous ledger module includes: a smart contract cluster; The smart contract cluster is used to execute null value deduplication verification and hash time locking cross-chain settlement logic.

9. A method for intelligent processing of cross-border trade finance, characterized in that, The method includes: Collect cross-border trade document feature data and generate corresponding document identification codes; A standardized cross-border financial business request is generated based on the document identification code, and the standardized cross-border financial business request is converted into business intent information. The business intent information is parsed, and the optimal asset liquidation path is matched among multiple heterogeneous distributed ledgers to generate cross-chain collaborative execution instructions. Based on the cross-chain collaborative execution instruction, cross-chain asset atomic swaps with timeout rollback mechanism are executed; at the same time, the verification identifier generated based on the document identification code is used to complete the duplicate financing interception verification; The system stores the feature data of the cross-border trade documents, performs federated learning and differential privacy computation based on the feature data to obtain a risk control score, and adjusts the business execution rules based on the risk control score; at the same time, it collects the real-time flight trajectory of the goods and inputs the preset contract to drive the automatic dynamic adjustment of the financing interest rate parameter.

10. The method according to claim 9, characterized in that, The method further includes: Zero-knowledge proofs are generated based on the collected cross-border trade document feature data, and document privacy verification is completed based on the zero-knowledge proofs.

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