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CN-122022718-A - International trade credit settlement authentication method and system

CN122022718ACN 122022718 ACN122022718 ACN 122022718ACN-122022718-A

Abstract

The invention belongs to the technical field of international trade credit settlement and compliance authentication, and discloses an international trade credit settlement authentication method. The method shortens the authentication period of the international trade credit settlement to a minute level, acquires verifiable trade data from authoritative data sources such as customs, international logistics systems, tax institutions and the like of various countries in real time through a decentralization predictor network, completes automatic rule comparison and execution by combining an intelligent contract embedded with a compliance rule code library, thoroughly replaces the traditional low-efficiency and error-prone manual document auditing mode, realizes real-time synchronization and automatic adaptation of the global trade dynamic supervision rule, ensures that each settlement strictly meets compliance requirements such as the latest sanctioned list, origin judgment, tax collection and the like, and avoids compliance risks caused by rule update lag or manual omission.

Inventors

  • HUA YONGKANG
  • LIANG JIANAN

Assignees

  • 浙江万里学院

Dates

Publication Date
20260512
Application Date
20251231

Claims (9)

  1. 1. The international trade credit settlement authentication method is characterized by comprising the following specific steps: Firstly, constructing a trade compliance rule digitizing system, collecting trade supervision rules of major trade participating countries in the world and carrying out structural analysis, converting the analyzed supervision rules into executable code logic of intelligent contracts to form a compliance rule code library, and setting a dynamic updating mechanism for the compliance rule code library to synchronize supervision rule revision information of each country; Deploying a decentralization predictor network, constructing the decentralization predictor network composed of a plurality of independent nodes, configuring a security authentication module for each node, deploying a data consensus verification mechanism, and setting a data transmission encryption channel to ensure data transmission security; Establishing a docking mechanism of a prophetic machine network and an authoritative external data source, establishing an official docking channel with an official database of customs of each country and an international logistics tracking system database, setting an exclusive data access interface, deploying a data format conversion module, and establishing a data source access authority management system; Constructing an international trade credit settlement intelligent contract, embedding the compliance verification logic of the first step into an intelligent contract core execution flow, setting a trade participant information input module and a predictor network data interaction interface, taking the compliance verification result as a necessary precondition of settlement triggering, and recording contract execution full-flow data by a deployment log recording module; the trade participator completes the intelligent contract information input and initialization, the trade participator completes the identity verification by accessing the intelligent contract platform through the block chain link point, inputs the trade related information and generates a unique trade order number after the format verification, the intelligent contract completes the initialization after confirming no error and sends a data acquisition preparation instruction to the predictor network; Acquiring and verifying trade-related authority data by a prophetic machine network, transmitting a data request to an authority external data source according to an intelligent contract instruction, acquiring trade-related data by each node, completing preliminary verification, and transmitting the data and a preliminary verification result to a consensus verification module; Step seven, the predictor network executes data consensus verification and feeds back results, a consensus verification module carries out cross comparison on the data of each node, judges whether the data passes the consensus verification, generates a standardized data report and sends the standardized data report to an intelligent contract after passing the verification, re-acquires the data if the standardized data report does not pass the intelligent contract, and feeds back data acquisition failure information if the standardized data report fails to acquire for many times; step eight, the intelligent contract executes automatic compliance verification, and after receiving a data report of a predictor network, the intelligent contract calls corresponding rules in a compliance rule code library to carry out item-by-item compliance verification on trade data; Step nine, executing corresponding settlement operation according to the compliance verification result, automatically generating a payment instruction by the intelligent contract and sending the payment instruction to a cross-border payment system if all the compliance rules are verified to be passed, and recording the payment completion state; And step ten, archiving the settled compliance data, summarizing the settlement whole-flow data to generate a compliance file, storing the compliance file into a blockchain distributed account book after encryption processing, opening the compliance file inquiry authority and synchronizing the compliance file to an enterprise credit evaluation system.
  2. 2. The method of claim 1, wherein the trade supervision rules in the first step include a rule of a sanction list of a trade target country, a rule of a place of origin judgment, a rule of tax collection, a rule of import and export permission, an environment-friendly compliance rule, and a rule of labor compliance, and a dynamic update mechanism of a code base of the compliance rules records version marks, update time, update contents and corresponding official basis of the supervision authorities of each update.
  3. 3. The method of claim 1, wherein the number of nodes of the de-centralized predictor network in the second step is not less than 10, each node is operated by a different third party authority among an international freight association certification authority, a cross-border financial supervision agency, a global trade data service agency and a customs authority data agency, the security certification module adopts an asymmetric encryption algorithm to perform node identity certification, and the data transmission encryption channel adopts an AES-256 encryption algorithm.
  4. 4. The method of claim 1, wherein the data access interface in the third step adopts a standardized data interaction protocol, and the data format conversion module is used for converting heterogeneous data output by different data sources into a unified data format identifiable by a predictor network, and the data source access authority management system allocates corresponding data source access authorities according to the qualification and responsibility of the node operation mechanism.
  5. 5. The method of claim 1, wherein the information required to be entered by the information entry module of the trade participant in the fourth step includes business name of the trade party, unified social credit code, registration address, legal representative person information, bank account information, trade commodity name, commodity code, commodity number, commodity amount, trade term, transportation mode, departure port, destination port, estimated transportation time, and the information recorded by the log recording module includes information entry data, prophetic machine data acquisition record, compliance verification result, and contract execution status.
  6. 6. The method for authenticating international trade credit settlement according to claim 1, wherein in the seventh step, the data consensus authentication is determined by the nodes with more than 80% of the same type of data, the preliminary authentication result is passed, the number of times of re-acquisition of the data is not more than 3, and in the sixth step, the trade related data comprises the data of proving the origin of the goods, the data of the bill of customs, the data of the tax payment certificate, the data of the logistics transportation track, the data of the qualification of the main bodies of both the transaction parties, the data of the compliance detection of the environment protection of the goods, the data of the compliance authentication of the labor of the goods, and the authentication data of whether both the transaction parties are in a manufacturing list.
  7. 7. The method for authenticating international trade credit settlement according to claim 1, wherein the payment instruction in step nine comprises payer bank account information, payee bank account information, payment amount, payment currency, and payment time, the intelligent closing date sends a settlement start notification to enterprises of both transaction parties, and when the closing check fails, the early warning mechanism sends early warning information to appointed contacts of the enterprises of both transaction parties through a short message and a mail, and both transaction parties can submit a closing check request again after supplementing the proof material.
  8. 8. The method for authenticating international trade credit settlement according to claim 1, wherein in the step ten, the compliance archive query is authenticated, the data synchronized to the enterprise credit evaluation system is used for enterprise credit rating, and the compliance archive data stored in the blockchain distributed ledger is permanently reserved and is not tamperable.
  9. 9. An international trade credit settlement authentication system for realizing the international trade credit settlement authentication method according to any one of claims 1 to 8, which is characterized by comprising a trade compliance rule digitizing system module, a decentralizing predictor network module, an authoritative data source docking module, a trade information input and initialization module, an international trade credit settlement intelligent contract module, a cross-border payment linkage module, an early warning notification module and a compliance data archiving and inquiring module; The trade compliance rule digitizing system module is used for collecting the global main trade participated country supervision rules and carrying out structural analysis, extracting the core judging elements and the logic relations, converting the core judging elements and the logic relations into intelligent contract executable codes, establishing a dynamic updating and version tracing mechanism, and outputting a standard compliance rule code library and a rule updating tracing file; The decentralization predictor network module is used for building independent node networks operated by at least 10 third party authorities, guaranteeing safety through asymmetric encryption authentication and AES-256 encryption transmission, executing data preliminary verification and consensus verification, and outputting standardized trade data reports passing through node consensus of more than 80%; The authoritative data source docking module is used for establishing an official docking channel with authoritative data sources such as customs, tax, logistics and the like of various countries, processing heterogeneous data through the standardized interface and the format conversion module, distributing access rights based on mechanism qualification, and outputting unified format data identifiable by a predictor network; the trade information input and initialization module is used for receiving trade information input of both sides of the trade, executing format verification and identity verification, generating a unique trade order number, and outputting an order initialization confirmation signal and a propulsor data acquisition preparation instruction; the international trade credit settlement intelligent contract module is used for embedding compliance check logic to realize bidirectional data interaction with a predictor network, records a full-flow operation log on the premise of compliance by taking the compliance as a settlement trigger, and outputs a compliance check result and a settlement control signal; The cross-border payment linkage module is used for receiving intelligent contract payment instructions, establishing an encryption butt joint channel with a cross-border payment system, transmitting standardized payment information containing key contents such as account information, money and the like, feeding back an execution result, and outputting payment completion state records and settlement notices; The early warning notification module is used for generating an abnormal report when the compliance verification fails, determining the type and reason of the fail rule, pushing early warning information through a short message and mail double channel, receiving supplementary materials and triggering re-verification, and outputting a report of the fail rule and an early warning feedback record; The compliance data archiving and inquiring module is used for summarizing and settling the whole flow data, encrypting and processing the data, storing the data in a blockchain distributed account book, synchronizing the data to an enterprise credit evaluation system based on the open hierarchical inquiring authority of identity verification, and outputting standard compliance files and enterprise credit rating supporting data.

Description

International trade credit settlement authentication method and system Technical Field The invention belongs to the technical field of international trade credit settlement and compliance authentication, and particularly relates to an international trade credit settlement authentication method and system. Background Along with the continuous promotion of the globalization process of the economy, the international trade scale is continuously expanded, and credit settlement modes such as cross-border payment, credit card and the like become core means for guaranteeing rights and interests of trade parties and promoting trade achievement, and the related compliance authentication needs to meet the supervision requirements of different trade participation countries and covers a plurality of dimensions such as sanctioned list checking, origin identification, tax compliance, logistics tracking and the like. The current international trade credit settlement mainly depends on credit card or warranty service provided by financial institutions such as banks, etc., the core of the traditional methods is that the banks provide payment assurance and mediating service for both sides of trade by self credit, the implementation process is completely based on the circulation and manual verification of paper receipts or formatted electronic files, as the global trade complexity increases and the supervision environment becomes more and more strict, the method along decades exposes a plurality of inherent technical defects and service bottlenecks, the authentication process is highly dependent on manual and time-consuming, the whole settlement process is from receipt submission, transmission and verification to visual inspection and experience judgment of the bank professional, and the auditing personnel needs to check business invoices word by word, Whether the contents of various files such as bill of lading, insurance policy, origin evidence, quality inspection certificate and the like strictly conform to credit terms and international practices is very tedious, so that the complete processing period usually needs 3 to 5 working days or even longer, the requirements of modern businesses on transaction speed cannot be met, obvious labor cost is also formed, meanwhile, key verification information is dispersed and is difficult to be communicated in real time to form an information island, real data related to trade such as real-time transportation positions of goods, switch states of containers, real-time clearance results of customs and latest product quality inspection reports issued by authorities are respectively mastered in logistics companies, customs, third party, In different external independent systems such as quality inspection departments, banks can automatically and directly acquire and verify data from authoritative sources as settlement intermediaries, and can only passively rely on file copies submitted by trade parties and possibly post-complement or even falsified by the trade parties to carry out form inspection, so that the information asymmetry and the data hysteresis provide space for trade fraud, in addition, the compliance inspection standards are updated with lag and inconsistent execution, international trade is restricted by multiple dynamic supervision rules such as export regulations, economic sanctions, environmental protection, product quality standards and the like, the rules are released by different countries and international organizations and can be frequently updated, the banks in the traditional mode need to manually convert the rule terms in text form into an internal audit list, the process is slow and error-prone, and for specific requirements of different countries, audit scales of different banking institutions can also have differences, so that compliance risk control is not uniform, The method is not strict, and lacks of a whole-process, non-tamperable traceability and automatic execution mechanism, links in the existing process are fractured, once disputes are difficult to quickly and clearly trace back on which link and caused by which document, the whole-process advancing including the payment of final money is manually decided and operated, and millisecond-level automatic triggering can not be realized when all preset compliance conditions are met, so that the modes of post-inspection and manual intervention are low in efficiency, and serious risks such as payment freezing, fine and the like caused by document disagreement or violation supervision can not be thoroughly stopped in advance, and the prior art is low in processing efficiency, The fundamental defects of insufficient authenticity, poor dynamic compliance capability and lack of trusted automation mechanisms of information verification are urgent to need a brand-new technical method capable of realizing automatic, real-time and high-credibility authentication of trade authenticity and compliance in the process