Block chain-based credit card issuing method and apparatus, and block chain-based credit card receiving method and apparatus

Abstract

The invention provides a credit card issuing method and device and a credit card receiving method and device based on a block chain. The issuing method comprises the steps that application informationand service association information sent by an applicant are acquired; issuing a credit card according to the application information; rechecking the credit card according to the application information and the business association information; wherein automatic opening and rechecking of the credit card can be realized, the transmission efficiency on the chain is high, the requirements of customers are met, and quick opening and quick arrival of the credit card are realized in a credit card opening business scene in international trade and on the basis of a blockchain technology.

Description

technical field [0001] The present invention relates to the technical field of blockchain, in particular to a blockchain-based letter of credit issuing method, receiving method and device. Background technique [0002] In the field of international trade, letter of credit is widely used as the safest and most flexible tool. The letter of credit is an important tool for the distribution of credit resources across regions. It has important functions such as risk allocation, credit confirmation, and financing support. It is the basic business of commercial banks and plays a pivotal role in domestic and foreign trade. The exporter and the importer sign a trade contract and agree to use the letter of credit settlement tool. The importer, as the applicant, applies to the issuing bank to issue a certain amount to the beneficiary (exporter) with the specified documents within a certain period of time. Written guarantee of payment. [0003] In actual business, letters of credit are...

AI Technical Summary

Problems solved by technology

Xinkai is the original letter of credit issued by the issuing bank of the letter of credit directly to the beneficiary of the letter of credit, which is usually mailed to the advising bank to notify the other party's customer. The delivery takes a long time and the process is prone to the risk of loss (in order to reduce The risk of letter loss often adopts the method of mailing multiple copies, but at the same time it brings the problem of cost increase); and the electronic opening method is issued by the issuing bank to the bank designated by the beneficiary in the form of a SWIFT standard message (such as MT700). Transfer from beneficiary's bank to beneficiary

Compared with the open letter of credit, the timeliness of transmission has been greatly improved, but there are still problems in the process of letter of credit opening, such as low processing efficiency and difficulty in meeting customer requirements.

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