As a key bridge between the real economy and financial capital, supply chain finance generates core data such as transaction documents, logistics information, and financing contracts, whose secure, trustworthy, and controllable management is crucial. Traditional centralized notarization schemes suffer from single points of failure, risks of data tampering, and high trust costs. Although blockchain offers tamper-evident notarization, limited on-chain storage and throughput constrain its direct use in large-scale data scenarios. To address this tension, this paper investigates a secure data notarization and access control algorithm grounded in an on-chain/off-chain hybrid storage architecture and smart contracts. We first construct a layered data management model: high-value, low-volume data hashes (digital fingerprints) and key access-control policies are anchored on-chain to ensure immutability, while complete large-volume raw data are encrypted and stored off-chain (e.g., in IPFS or distributed databases) to ensure scalability. To tackle potential challenges of on-/off-chain consistency and integrity verification under this hybrid architecture, we design an efficient verification mechanism based on cryptographic commitments, ensuring any tampering with off-chain data can be detected quickly and succinctly. Furthermore, to achieve fine-grained privacy protection and compliant use, we propose a smart-contract-based dynamic access control algorithm. By deploying access-control policies as executable code on-chain, the algorithm performs automated logical checks to deliver precise authorization and comprehensive audit logging, ensuring security and transparency throughout data sharing and circulation. Through theoretical security analysis and prototype experiments, the proposed scheme preserves data immutability and traceability while significantly improving the storage efficiency and processing performance of supply chain finance notarization systems, and it enables flexible and secure access control. The results indicate that the coordinated mechanism of on-chain/off-chain hybrid storage and smart contracts offers a feasible technical pathway for building efficient, trustworthy, and secure supply chain finance infrastructure.

Meng Liu. Research on Secure Data Notarization and Access Control Algorithms for Supply Chain Finance Based on an On-Chain/Off-Chain Hybrid Storage Architecture and Smart Contracts. International Journal of Business Management and Economics and Trade (2025), Vol. 6, Issue 1: 149-159. https://doi.org/10.38007/IJBMET.2025.060115.

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