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JP-2026075551-A - Blockchain-based trade finance settlement system

JP2026075551AJP 2026075551 AJP2026075551 AJP 2026075551AJP-2026075551-A

Abstract

[Challenge] To provide a blockchain-based trade finance settlement system that is highly reliable, trustworthy, and reduces potential risks and disputes. [Solution] In the system, the customer login module is used for customers to register an account on the asset trading platform and link customer information to the account. The platform reviews the customer information and grants trading eligibility to customers who pass the review. The information service module includes a first operation unit and a second operation unit, and by setting explicit and implicit needs, it better meets the individual needs of customers in trading, prevents customers' selection tendencies from being exposed and putting them at a disadvantage, and reduces reliance on intermediary financial institutions by decentralizing the settlement process, thus avoiding the cumbersome operations and delays in settlement speed of financial institutions. In addition, both parties to a transaction can adjust their level of trust in each other and view the other party's customer information based on that level of trust. [Selection Diagram] Figure 1

Inventors

  • 葉 文浩

Assignees

  • 第一資本（香港）有限公司

Dates

Publication Date
20260508
Application Date
20241106
Priority Date
20241022

Claims (10)

  1. A blockchain-based trade finance settlement system includes the following elements: Customer Login Module: The customer login module is used by customers to register an account on the asset trading platform. The customer account is linked to customer information, and the asset trading platform reviews the customer information. Customers who pass the review obtain trading eligibility. Information Service Module: The information service module includes a first operation unit and a second operation unit. First transaction information is input into the first operation unit, which generates explicit demand. The second operation unit analyzes the customer's second transaction information to generate implicit demand. The second operation unit classifies customer information into different encryption levels, encrypts the customer information based on those encryption levels, and generates customer trustworthiness according to the encryption level. Data Trading Module: The data trading module generates and uses trading display information based on customer information and explicit demand, generates trading matching information based on trading display information and implicit demand, and matches relevant customers based on that trading matching information. Transaction Settlement Module: A blockchain-based trade finance settlement system characterized by the following: the transaction settlement module generates a third operation unit based on the matching result; both parties in the transaction interact in the third operation unit, adjust customer trust levels; decrypt customer information based on the customer trust levels set by each party; generate a transaction order based on the interaction result; verify the transaction order; if verification is successful, generate a settlement order; perform the settlement; and add the transaction order and settlement order to the blockchain network.
  2. The customer login module includes a front-end interface unit and an information input unit. The front-end interface unit is used to log in to the account registered by the customer on the asset trading platform. After successful identity verification, the customer logs into the asset trading platform and is redirected to the information input unit. The blockchain-based trade finance settlement system according to claim 1, characterized in that the information input unit is used to input customer information and transaction information, and the transaction information includes first transaction information and second transaction information.
  3. The information input unit allows the customer to input and confirm the first transaction information, the first operation unit displays the first transaction requirements, includes a remarks field or remarks option that the customer can select and check, the first operation unit generates explicit demand based on the first transaction information and first transaction requirements, stores that explicit demand in the first memory space connected to the first operation unit, and then moves it to the second operation unit. The first transaction information includes transaction data, transaction description, transaction amount, transaction time, and transaction restrictions. The blockchain-based trade finance settlement system according to claim 2, characterized in that the first transaction requirement includes customer financial data, customer transaction records, and customer business data.
  4. The second operation unit is used by the customer to input second transaction information, the second operation unit extracts metadata corresponding to the second transaction information, extracts information from the metadata to obtain second transaction requirements, generates implicit demand based on those second transaction requirements, and stores the implicit demand in a second memory space connected to the first operation unit. The blockchain-based trade finance settlement system according to claim 3, characterized in that the second transaction information is the individual transaction details of the customer and includes the trading partner's regional requirements, legal requirements, performance, and personnel certificates.
  5. The second operation unit classifies customer information into different encryption levels, processes customer information using encryption based on the encryption level, and generates customer trust based on the encryption level, which includes the following: The system distinguishes encryption levels according to the confidentiality of customer information, encrypts customer information using an elliptic curve encryption algorithm according to the encryption level, generates different encrypted information based on the encryption level, and sets a customer trust level corresponding to the encryption level. The blockchain-based trade finance settlement system according to claim 4, characterized in that customer information can be displayed at a corresponding encryption level and below depending on the customer trust level, and the second operation unit stores the encrypted customer information in a third memory space.
  6. The data trading module decrypts customer unencrypted information, retrieves explicit demand from the first memory space, and generates trading display information by concatenating the decrypted unencrypted information with the explicit demand. The blockchain-based trade finance settlement system according to claim 5, characterized in that the data transaction module retrieves implicit demand from a second memory space, links the implicit demand with the transaction display content to generate transaction matching information, the transaction display information and the transaction display content correspond to each other, the transaction display information is displayed, and the transaction matching information is hidden.
  7. The data trading module retrieves trading matching information corresponding to the trading display information, extracts keywords from the trading matching information to generate a first keyword set, The data trading module retrieves customer information from the customer login module, extracts keywords from the customer information to generate a second keyword set, and associates the second keyword set with the corresponding customer. The blockchain-based trade finance settlement system according to claim 6, characterized in that the data trading module sequentially matches each keyword in the first keyword set with a keyword in the second keyword set using a matching algorithm, and sorts customers in descending order based on the number of successful matches to obtain the matching results.
  8. The data trading module selects customers with a fixed ranking as target customers based on the matching results. The data trading module constructs a third operational unit as a chat window, with each customer and the target customer as both parties in the transaction. The blockchain-based trade finance settlement system according to claim 7, characterized in that the third operation unit is used for interaction between both parties in a transaction, during which the customer adjusts the customer trust level of the other party, and when the other party displays customer information, it retrieves encrypted customer information from the third memory space and displays customer information with a corresponding encryption level based on each party's customer trust level.
  9. The blockchain-based trade finance settlement system according to claim 8, characterized in that the transaction settlement module generates a transaction order based on the exchange results, the third operation unit sends the transaction order to both parties in the transaction, both parties confirm the transaction order, the data transaction module verifies the accuracy and suitability of the transaction information, and settlement is performed after the verification is passed based on the confirmed settlement conditions and data.
  10. The blockchain-based trade finance settlement system according to claim 9, characterized in that the transaction settlement module sends the settlement order to both parties in the transaction via a third operation unit after the settlement is completed, both parties in the transaction reconfirm the settlement result, the settlement order and settlement result are added to the blockchain network, and the settlement order and settlement result are displayed anonymously.

Description

This invention relates to the technology of blockchain transaction settlement, and more particularly to a trade finance settlement system using blockchain. Blockchain technology is a combination of computer technologies such as decentralized data storage, peer-to-peer transmission, consensus mechanisms, and cryptographic algorithms. Essentially, a blockchain is a decentralized database, a series of cryptographically linked data blocks. Each data block is linked by a random hash (also called a hash algorithm), and subsequent data blocks contain the hash value of the previous data block. Blockchain is not a single technology, but rather the result of integrating multiple technologies, providing a highly reliable and tamper-proof ledger record, reducing trust risk, and effectively lowering the maintenance costs of multiple participants. Storing data on a blockchain requires the agreement of numerous participants, and once data is placed on the chain, tampering or forgery is impossible. Currently, Chinese patent application number 201610584467.4 publishes a trade settlement processing system, which includes a banking system, a receiving module installed between the customer system and the banking system, a process management module, a data processing module, a data cloud backup module, and a message publishing module. One customer first settles with the bank, and then the bank settles with the other customer. This system is highly dependent on financial institutions such as banks, is cumbersome to operate, has slow settlement speeds, and lacks transparency regarding transaction information between customers. Furthermore, it matches buyers and sellers without considering the individual needs of the customers. The technical problems that this invention solves are as follows: In related technologies, one customer first settles with a bank, and then the bank settles with the other customer. This approach is heavily reliant on financial institutions such as banks, is cumbersome to operate, has slow settlement speeds, and lacks transparency of transaction information. Furthermore, it does not consider the individual needs of customers when matching buyers and sellers. To address the technical challenges described above, the present invention provides the following technical solutions: a blockchain-based trade finance settlement system comprising a customer login module, an information service module, a data trading module, and a transaction settlement module. The customer login module is used by customers to register an account on the asset trading platform, and the customer account is linked to customer information. The asset trading platform reviews customer information, and customers who pass the review acquire trading eligibility. The information service module includes a first operation unit and a second operation unit. First transaction information is input into the first operation unit, which generates explicit demand. The second operation unit analyzes the customer's second transaction information and generates implicit demand. The second operation unit classifies customer information into different encryption levels, encrypts the customer information based on these encryption levels, and generates customer confidence based on the encryption levels. The data trading module generates transaction display information based on customer information and explicit demand and uses it for display. Transaction matching information is generated based on the transaction display information and implicit demand, and relevant customers are matched based on the transaction matching information. The transaction settlement module generates a third operation unit based on the matching results, facilitating interaction between both parties and adjusting customer trust levels. Customer information is decrypted based on the customer trust levels set by both parties. A transaction order is created and verified based on the interaction results. Upon successful verification, a settlement order is generated and the settlement is performed. Both the transaction order and the settlement order are added to the blockchain network. Preferred embodiments of the blockchain-based trade finance settlement system according to the present invention; In one preferred embodiment of the blockchain-based trade finance settlement system of the present invention, the customer login module includes a front-end interface unit and an information input unit. The front-end interface unit is used for customers to log in to their accounts registered on the asset trading platform, and once identity verification is complete, they are redirected to the information input unit. The information input unit is used to input customer information and transaction information, including first and second transaction information. In another preferred embodiment, an information input unit is used by the customer to input and confirm first transaction information. The first