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A. Bitcherry BCHC proposed "Blockchain 4.0" to promote the application practice of blockchain and e-commerce industry

With the continuous development of blockchain technology, it seems that many The industry wants to have something to do with the blockchain, and there is a popular saying in the world: "Those who get the blockchain will win the world." So is this blockchain really as amazing as everyone says? How will blockchain finally be implemented? Today, let’s first talk to you about the application practice of blockchain in the field of “e-commerce”.

First, let’s briefly review what is e-commerce? E-commerce was born in the 1990s. It is a business activity that uses information network technology as a means and commodity exchange as the center and side. We call e-commerce "EC" for short. Many people think it is the ultimate major commercial use of the Internet, so they call it an epoch-making symbol.

According to data from US market research company Forrester, by the end of 2018, China’s e-commerce market is expected to reach US$1.1 trillion, becoming the world’s first trillion-dollar e-commerce market. The report points out that by 2022, China's e-commerce market will reach US$1.8 trillion, far exceeding the United States and Japan.

With the expansion of e-commerce, it has also greatly promoted the development of logistics, customer service and other industries. But at the same time, it has also brought about many problems. According to big data from the e-commerce consumer dispute mediation platform, the number of complaint cases accepted in the first half of 2018 increased by 66.93% year-on-year, and the growth rate was much higher than in previous years.

In order to solve the pain points of e-commerce in aspects such as counterfeit goods, logistics, integrity, and supervision, major companies and platforms are also showing off their skills and tricks. The most eye-catching one is our protagonist: blockchain. So how does it solve these problems?

First, supervise the production process of goods.

Second, trace and track the transportation of goods.

Third, guarantee product sales and after-sales service.

Fourth, protect user privacy.

The distributed e-commerce platform Bitcherry BCHC solves the platform trust crisis

Bitcherry BCHC is the world’s first distributed e-commerce platform. It is based on blockchain technology and is committed to To create a super ecology covering all aspects of clothing, food, housing and transportation. In the community ecology, all participants, such as users, merchants, super nodes, operating nodes, etc., use the token system for everyone's participation and economic sharing to open up the online and offline O2O e-commerce system, making the entire ecology healthy and autonomous. , develop healthily.

It is understood that distributed e-commerceThe network has multiple payment methods, distributed sharing mechanisms, behavioral token incentives, distributed open platforms, multi-industry and multi-community access, global operating nodes, decentralized distributed business organizations, community self-propagation and Ripples and other features.

At present, consumer information is leaked, everyone has become a "digital labor", merchant profits are reduced, customer acquisition costs are increasing day by day, supply chain supervision is lacking, and product quality problems occur repeatedly, which is the problem for most centralized e-commerce companies. main pain points. Different from the centralized model of traditional e-commerce platforms, the underlying technology of distributed e-commerce platforms is a distributed accounting method that allows transaction data, dissemination, purchase, circulation and other behavioral data to be uploaded to the chain, making it open, transparent and non-tamperable. In distributed e-commerce based on blockchain technology, industry issues such as product traceability, logistics supervision, user evaluation and community incentives are all well-founded and well-founded. It returns data, traffic and value to the parties involved in the transaction, effectively solving the various shortcomings of centralized platforms.

To promote the implementation of blockchain in actual business scenarios, Bitcherry BCHC proposed "Blockchain 4.0"

According to the reporter's investigation, Bitcherry BCHC will adopt a two-stage implementation of "Blockchain 4.0" 4.0” target. Providing a public chain with high TPS and compatible with Ethereum smart contracts is the first phase of Bitcherry BCHC's measures to ensure the safe and efficient circulation of digital assets in the e-commerce ecosystem. In the second phase, Bitcherry BCHC will provide a large public chain environment that supports the e-commerce ecology - an e-commerce vertical blockchain network platform, allowing e-commerce operators to quickly realize digital operation transformation in the digital economy era and realize mutual cooperation in the e-commerce ecology. diversion. In addition, the reporter learned that the large public chain environment will also provide a governance structure, including a smart contract-based complaint mechanism, reputation scoring, arbitration mechanism, etc., to prevent fraud and damage to the interests of consumers and digital asset investors, and ensure the e-commerce ecosystem compliance and healthy development.

In terms of technology, the Bitcherry BCHC public chain will combine blockchain and DAG technology to provide a chain network system, and the main chain will provide guarantee for the security of the entire system. Use signature algorithms, distributed storage, data operations, consensus mechanisms, message diffusion and other technologies to optimize the distributed e-commerce network architecture, and use a decentralized and non-tamperable structure to allow all participating entities in the Bitcherry BCHC ecosystem to establish a trust mechanism to achieve Second-level fast transaction verification by all parties is the main technical feature of the Bitcherry BCHC project.

B. How to apply blockchain technology in the field of e-commerce

There is already such an application in the world, called g‏ojo‏y. The prospect is very optimistic. Through consumption, you can mine. The model stimulates consumers to shop in this mall. Consumption is investment. Anyway, you buy wherever you buy. There are also digital assets that can be mined when you buy here., the digital assets mined have room for appreciation and can be held or exchanged for money. I only learned about this after listening to the Blockchain Business Revolution on Qianchao. There is a lot of related content in it!

C. How to do blockchain

It is necessary to establish the data layer, network layer, consensus layer, incentive layer, contract layer and application layer.

1. The data layer encapsulates the underlying data blocks and related data encryption and timestamps and other basic data and basic algorithms;

2. The network layer includes distribution

3. The consensus layer mainly encapsulates various consensus algorithms of network nodes;

4. The incentive layer integrates economic factors Into the blockchain technology system, it mainly includes the issuance mechanism and distribution mechanism of economic incentives;

5. The contract layer mainly encapsulates various scripts, algorithms and smart contracts, which is the programmable feature of the blockchain The basis;

6. The application layer encapsulates various application scenarios and cases of the blockchain.

(3) How does blockchain realize e-procurement? Extended reading

General Secretary Xi Jinping emphasized at the 18th collective study session of the Political Bureau of the CPC Central Committee that “use blockchain as a core technology. An important breakthrough for independent innovation” and “accelerating the development of blockchain technology and industrial innovation”.

The forward-looking judgment of the Party Central Committee has brought "blockchain" into the public eye and has become a common concern for financial capital, the real economy and social public opinion.

From network power to big data, from media convergence to blockchain, the Political Bureau of the CPC Central Committee has collectively studied and aimed at the forefront of technological change, demonstrating the direction, forward-looking judgment and future foresight of the Party Central Committee, leading It follows the pace of China's industrial reform and economic transformation. This collective study by the Political Bureau of the Central Committee specifically emphasized "blockchain", which opened up imagination space for the development and application of blockchain.

From a technological perspective, blockchain involves many scientific and technical issues such as mathematics, cryptography, Internet and computer programming. From an application perspective, simply put, blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, traceability, collective maintenance, openness and transparency.

These characteristics ensure the "honesty" and "transparency" of the blockchain and lay the foundation for the blockchain to create trust. The rich application scenarios of blockchain are basically based on the ability of blockchain to solve the problem of information asymmetry and achieve collaborative trust and consistent action among multiple subjects.

D. How blockchain technology is applied to the field of electronic contracts

Blockchain uses cryptographic algorithms in depth, specially designed data structures and multi-party participation. Consensus algorithms use machine algorithms to solve the problems of consistency, reliable storage and tamper-proofing of multi-party transaction records, and are naturally closely related to electronic data storage.

First of all, the electronic contract signing records of Shengzhao are stored on a shared ledger jointly maintained by multiple parties and cannot be tampered with.Changes cannot be denied, and of course they will not be lost.

Secondly, the electronic contract text and electronic contract elements are encrypted and stored, including the participants in the electronic contract. Only participants can decrypt and view the data, thus protecting the privacy of the contracting parties.

Thirdly, the machine strictly executes according to the predefined rules (smart contract) and no longer relies solely on an agreement with a third party to guarantee it. The blockchain-based KYC service automatically checks and verifies the validity and identity of the certificate, ensuring that the identity of the participants is valid and authentic while ensuring privacy.

Currently, electronic contracts signed on advanced electronic contract platforms have realized distributed storage of digital fingerprints of electronic documents through blockchain technology, further strengthening the legal validity of electronic contracts on the platform.

E. Blockchain technology realizes full-process visualization of the supply chain

Blockchain essentially solves privacy and security protection, information traceability, transaction compliance, and data authenticity and process efficiency issues, directly addressing the difficulties of supply chain management, and has strong applicability and application value in supply chain scenarios.

Data sharing: Through information encryption and decryption authorization, zero-knowledge proof and other privacy protection mechanisms, blockchain can solve the long-standing contradiction between data privacy and data sharing value, and eliminate the concerns of relevant parties in data sharing. No worries;

Data traceability and qualification assurance: Blockchain is a traceable block chain data structure built in a peer-to-peer network environment, which has the characteristics of data traceability and anti-counterfeiting and tampering , ensuring the true traceability of the entire chain data (including supply chain status information and related enterprise qualification information, etc.). True and traceable data will become an important foundation for product anti-counterfeiting, supply chain management, supply chain finance and other business development;

Currently, blockchain technology is mainly used in four representative scenarios in the supply chain field: (1) Traceability and visualization (2) Supply chain collaboration (3) Logistics process optimization (4) Supply chain finance.

Blockchain + IoT technology can realize full-chain visualization of the supply chain. Among them, the characteristics of blockchain technology such as distributed storage, non-tamperability, and consensus mechanism ensure that the storage and circulation of key data of relevant parties are authentic and trustworthy. The Internet of Things technology can ensure the comprehensiveness of the on-chain data and its authenticity and reliability. The combination of the two jointly improves the coverage and authenticity of data in the upstream and downstream of the supply chain.

As an enterprise-level blockchain service platform, Jiamu Technology is committed to building a more secure and stable blockchain environment for customers, simplifying deployment, operation, maintenance and development processes, and achieving rapid business on-chain.

Both upstream and downstream companies in the supply chain, as well as consumers and regulators, will benefit from this supply chain visibility. Jiamu Technology believes that for upstream and downstream enterprises in the supply chain, it is necessary to have a completeThe product traceability system has become a crucial differentiating success factor for relevant companies to respond to consumer needs.

For example, in the fresh food industry, fresh food manufacturers and retail companies can accurately control the temperature, humidity and storage time of each link through blockchain + IoT. By combining the three-party data of inventory, logistics and shelves, Through analysis, the real fresh product consumption situation can be fed back to the upstream of the supply chain, optimizing the procurement rhythm and purchasing decisions, timely adjusting inventory levels and turnover rates, effectively carrying out distribution at the distribution end, and reducing product losses. Thereby optimizing inventory management, improving the quality of fresh products, and gaining favor from consumers.

For consumers, they can scan the traceability code to realize the full-process traceability of goods down to one item and one code, and easily read product quality information. For regulatory agencies, in the context of the country’s increasing requirements for commodity safety supervision, blockchain + IoT provides the necessary technical support to improve supervision efficiency and accuracy.

At present, commodity traceability technology based on blockchain and the Internet of Things has been implemented in many scenarios such as food traceability and drug traceability. Large consumer goods manufacturing companies, retailers, and government regulatory authorities are actively involved in related blockchain construction.

The promotion of industry-level applications of blockchain is inseparable from people’s deepening understanding of blockchain technology. Jiamu Technology actively promotes the implementation of blockchain technology, pays close attention to the development of the industry and actively sorts out the industry. dynamic. Driven by favorable policies, more companies will participate in the construction of the blockchain landscape in the future, conduct innovative research and work together in the research and development of underlying technology, promotion of application scenarios, and cultivation of industrial ecology to jointly build blockchain prosperity. picture.

F. What is the blockchain + supply chain financial solution?

Since the blockchain has started a craze in China, the entire industry has been constantly exploring various implementation scenarios. It can be said that the blockchain is so attractive that it has attracted countless entrepreneurs to compete. So what are the advantages of blockchain in the supply chain finance track? What are the pain points of the traditional model? What new business models can blockchain create to solve these problems? How should blockchain startups enter this field? ?
Moody's, a world-famous bond rating agency, has given 127 blockchain cases, ranging from points to transaction settlement, from document depository to supply chain management, from cross-border payment to supply chain finance, various applications There are many.
Among so many applications, the field of supply chain finance has attracted much attention, and commercialization has made rapid progress.
This is because first of all, the supply chain finance scene has a market size of trillions, and the ceiling is high enough. Secondly, this scene naturally requires multi-party cooperation, but there is no traditional centralized one.Institutions need to use blockchain to build trust in governance. At the same time, technically this scenario does not require high concurrency, and current blockchain technology can meet this requirement.
1. Supply chain finance is a trillion-level market
Supply Chain Finance: refers to treating the core enterprises in the supply chain and their related upstream and downstream enterprises as a whole, with the core Relying on enterprises and taking real trade as the premise, we use self-reimbursement trade financing to provide comprehensive financial products and services to upstream and downstream enterprises in the supply chain.
Based on different financing collaterals, financial institutions divide supply chain finance into accounts receivable, prepayment and inventory financing, among which the scale of accounts receivable is particularly huge.
Data from the National Bureau of Statistics show that at the end of 2016, the accounts receivable of my country's industrial enterprises above designated size reached 12.6 trillion yuan, a year-on-year increase of 10%, which resulted in huge financing needs for enterprises. Compared with the huge accounts receivable, my country's annual commercial factoring volume in 2015 was only about 200 billion yuan. It can be seen that there are still a large number of supply chain needs that have not been met, so there is huge room for development of the supply chain finance industry.
2. How blockchain can solve the pain points of supply chain finance
Pain point 1: Financing is difficult and costly for small and medium-sized enterprises in the supply chain
Since banks rely on the core enterprises’ ability to control goods and To adjust sales capabilities, for the sake of risk control, banks are only willing to provide factoring business to upstream suppliers (limited to first-tier suppliers) that have direct accounts payable obligations for core enterprises, or to provide factoring services to their downstream dealers (first-tier suppliers). ), providing down payment or inventory financing.
This has resulted in the needs of second- and third-tier suppliers/dealers with huge financing needs not being met, the business volume of supply chain finance being restricted, and small and medium-sized enterprises not being able to obtain timely financing. Leading to product quality problems will harm the entire supply chain system.
Blockchain solution:
We issue and run a digital ticket on the blockchain, which can be split and transferred at will under open and transparent conditions and witnessed by multiple parties.
This model is equivalent to making credit in the entire business system transmissible and traceable, providing financing opportunities for a large number of small and medium-sized enterprises that were originally unable to obtain financing, greatly improving the efficiency and flexibility of bill circulation, and reducing Cost of capital for SMEs.
According to statistics, in the past, traditional supply chain finance companies could only provide financing services to 15% of suppliers (small and medium-sized enterprises) in the supply chain. After adopting blockchain technology, 85% of suppliers can All can enjoy financing convenience.
Pain point 2: As the main financing tools of supply chain finance, commercial bills and bank bills are currently used in limited scenarios and are difficult to transfer.
The use of commercial bills is subject to the credibility of the company, and the arrival time of discounted bank bills is difficult to control. At the same time, it is not easy to transfer these bonds.
Because in actual financial operations,Banks are very concerned about the legal effect of the "transfer notice" of accounts receivable claims. If the core enterprise cannot sign back, the bank will not be willing to grant credit. It is understood that the bank is very cautious about the legal effects of signing the "transfer notice" of the creditor's rights, and even requires the legal representative of the core enterprise to go to the bank to sign in person. Obviously, this method is extremely difficult to operate.
Blockchain solution:
A consortium chain can be created between banks and core enterprises, which can be used by all member enterprises in the supply chain. By utilizing the multi-party signature and non-tampering characteristics of the blockchain, The transfer of creditor's rights has reached consensus among many parties, reducing the difficulty of the operation.
Of course, the system design must be able to achieve the effect of legal notification of bond transfer. At the same time, banks can also trace transactions at each node and outline a visible transaction flow chart.
Pain point 3: It is difficult for the supply chain finance platform/core enterprise system to prove its innocence, resulting in high risk control costs on the capital side
In the current supply chain finance business, banks or other capital sides are not only worried about the company's In addition to the ability and willingness to repay, they are also concerned about the authenticity of the transaction information itself, which is recorded by the ERP system of the core enterprise.
Although ERP tampering is difficult, it is not absolutely trustworthy. Banks are still worried that core enterprises and suppliers/distributors collude to modify information, so they need to invest manpower and material resources to verify the authenticity of transactions, which adds additional Risk control costs.
Blockchain solution:
As a "trust machine", blockchain has the characteristics of traceability, consensus and decentralization, and the data on the blockchain is timestamped, even if Even if the data of a certain node is modified, it cannot cover the sky with one hand. Therefore, the blockchain can provide an absolutely trustworthy environment, reduce the risk control cost on the capital side, and solve the bank's concerns about information tampering.
3. How should blockchain companies enter supply chain finance
In terms of market selection, we believe that blockchain startups should choose subdivisions with high ceilings, such as home appliances, automobiles, retail, and clothing. , pharmaceutical industry, etc. On the one hand, these industries have a vast market; on the other hand, their supply chain management infrastructure is relatively complete, and the upfront cost of adopting blockchain is relatively small.
We believe that there are two models for blockchain companies to enter supply chain finance.
The first is to directly cooperate with core enterprises/platforms to provide them with underlying blockchain solutions. After accumulating enough data, build an alliance chain to connect with funds to provide financial services. (Consortium Chain Model)
Given that the blockchain itself cannot solve the problem of risk control, enterprise-level risk control at this stage still needs to revolve around strong core enterprises. At the same time, obtaining the support of core enterprises can also effectively solve the problem of customer acquisition. problem, because a large core enterprise generally has thousands of suppliers of various types.
At present, domestic blockchain companies start from core enterprises, including Bubi, Wanglu Technology, etc. Bubi has launched a consortium chain "Buno" specially built for supply chain finance, integrating banks and core enterprises. , FactoringCompanies and other companies are linked. Bunuo is based in Guangzhou and Shenzhen, radiates business in the southeast region, and digs deep into the field of supply chain finance. It has previously signed a strategic cooperation agreement with Yigang.com.
The second model starts by providing supply chain management services, such as traceability, tracking, visualization, etc., integrating information flow, logistics and capital flow, and providing financial services on this basis. (Private chain mode)
This mode is equivalent to building an application scenario using blockchain. Just like Alipay back then, if Jack Ma had just started Alipay, it would have been difficult to do it because there was no application scenario, so he first started Taobao to serve the real economy. With Taobao, Alipay emerged as a centralized trust scenario, and other applications were grafted onto Alipay to create Ant Financial.
At present, among domestic blockchain companies, those that adopt the supply chain service model include BITSE and Food Excellence.
For example, VeChain provides an anti-counterfeiting traceability method by implanting an NFC chip into each product, registering the product on the blockchain so that it has a digital identity, and then recording this through a jointly maintained account. All information of digital identity achieves verification effect. At present, Vechain products have connected with more than 10 industry benchmark customers, and millions of IDs are running on the chain.
4. Three steps to build a supply chain financial exchange
From the perspective of implementation path, the application of blockchain in the field of supply chain finance can be realized in three steps.
As a premise, we need to first create a blockchain + supply chain finance alliance. Participants in the alliance include supply chain finance platforms, core enterprises, professional financial intermediaries, funders, factoring institutions, etc.
Each participant needs to assume corresponding obligations. For example, the platform is responsible for providing supply chain information, customer information and other basic services similar to water and electricity. The core enterprise understands the industry status, has control over the enterprises in the supply chain, and is responsible. risk control.
Professional financial intermediaries can integrate and analyze platform information and provide customized supply chain financial products, such as personalized blockchain electronic bills. Funding parties include banks, Internet financial institutions, etc. who are responsible for connecting customers with corresponding risk preferences.
After the alliance chain is established, you can start the three-step strategy.
The first step is to put the data on the chain, put the data in the supply chain alliance on the chain, use the characteristics of the blockchain to make it tamper-proof, and provide data verification, traceability and other services.
The second step is to digitize assets, turning warehouse receipts, contracts, and blockchain bills that can represent financing needs into digital assets, which are unique, non-tamperable, and non-replicatable.
The third step is the trading of digital assets. The supply chain finance platform will be transformed into a financial asset exchange, transforming non-standard corporate loan needs into standardized financial products, tokenizing them, and connecting investment and financing needs. Value trading.
Ultimately, blockchain technology will effectively enhance supply chain finance.The liquidity of financing assets mobilizes new financing tools and risk control systems to help cover the long-tail market for small and medium-sized enterprise financing, giving rise to supply chain finance as a service.