Method for carrying out third-party guaranteed fortune based on block chain and storage medium

A block chain and block technology, applied in the direction of instruments, payment systems, finance, etc., can solve the problems of high risk, time-consuming and labor-intensive low efficiency of outsourcer nodes, and difficulty in proving exporter nodes, so as to increase transparency and prevent The effect of document loss, reducing the possibility

Active Publication Date: 2020-05-15
HUNAN UNIV
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Problems solved by technology

[0007] The present invention provides a forfaiting method and a computer-readable storage medium based on blockchain for third-party guarantees to solve the problems of time-consuming, labor-intensive, low-efficiency and outsourcer node burden in existing forfaiting financing methods. The risk is high, and the exporter node is difficult to prove the validity of the credit certificate and the technical problem of the validity of the guarantee

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  • Method for carrying out third-party guaranteed fortune based on block chain and storage medium
  • Method for carrying out third-party guaranteed fortune based on block chain and storage medium
  • Method for carrying out third-party guaranteed fortune based on block chain and storage medium

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Embodiment Construction

[0069] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in various ways defined and covered below.

[0070] For ease of understanding, such as figure 1 with figure 2 As shown, the multi-party nodes involved in the blockchain network in the blockchain-based forfaiting method of third-party guarantee are explained below.

[0071] 1. Oracle (Oracle): A platform that provides external information, which can allow the blockchain to connect to any existing API, and can import, store, and export information about network nodes on the blockchain to achieve dynamic acquisition of information;

[0072] 2. Exporter node: refers to a foreign trade company that has the right to handle export business;

[0073] 3. Outsourcer node: refers to the bank or other financial institution that acts as an agent for forfaiting business and pays;

[0074] 4. Guarantor node: Refers to ...

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Abstract

The invention discloses a method for carrying out third-party guaranteed fortune based on a block chain, and a computer readable storage medium. According to the method for carrying out third-party guaranteed fare based on the block chain, receipts can be made electronic by utilizing a block chain technology, the transmission speed of receipts in a business process is increased, the receipts are prevented from being lost, and the authenticity of receipts in the business process is ensured by utilizing asymmetric encryption of the block chain, a Hash algorithm, a digital identity and a digitalsignature technology. Besides, a consensus mechanism and multi-party supervision of the block chain are utilized, the possibility of default of each party is reduced, and meanwhile, an Oracle node isintroduced, so that the transparency of information is improved, and the financing risk caused by information loss is reduced. Moreover, non-falsification and multi-party approval of certificates andprotocols are realized by using a block chain distributed account book and a consensus mechanism, so that the authenticity and effectiveness of the certificates and the protocols are ensured.

Description

technical field [0001] The present invention relates to the technical field of forfaiting financing in trade financing, in particular, to a forfaiting method for third-party guarantee based on blockchain, and a computer-readable storage medium. Background technique [0002] Forfaiting, also known as bill package purchase or buyout, refers to the long-term creditor's rights of the exporter's bank or financial institution to the exporter (long-term / deferred payment letter of credit, long-term commercial promissory note, long-term bank promissory note, long-term A method of export financing that enables exporters to obtain cash in advance by discounting non-recourse bills of exchange. It is mainly aimed at medium and long-term trade financing from 6 months to 5 years or even longer, which is a high-risk and high-yield business. [0003] However, the existing forfaiting financing method has the following problems: [0004] 1. There are risks of bill loss and counterfeiting in ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q20/38
CPCG06Q40/06G06Q20/3827G06Q20/3829G06Q20/3825
Inventor 马超群黄澳宇周中定李信儒兰秋军
Owner HUNAN UNIV
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