CN111062805B - Financial service management platform for supply chain - Google Patents
Financial service management platform for supply chain Download PDFInfo
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- CN111062805B CN111062805B CN201911280301.3A CN201911280301A CN111062805B CN 111062805 B CN111062805 B CN 111062805B CN 201911280301 A CN201911280301 A CN 201911280301A CN 111062805 B CN111062805 B CN 111062805B
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention is applicable to the technical field of computers, and provides a supply chain financial service management platform which comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end based on a blockchain network; the service management end is used for receiving financing requests sent by enterprise clients; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of a financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when the preset credit rule is met, receiving the identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and credible free circulation of business flow, information flow, logistics and fund flow on the chain, providing real and credible trade data for financial institutions, and solving the problem of mutual trust among multiple participants in the prior supply chain finance.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to a supply chain financial service management platform.
Background
The difficult and expensive financing of small and medium-sized enterprises is a long-felt problem in the financial development process of China. Supply chain finance is a positive attempt to address this dilemma. The supply chain finance refers to comprehensive financial products and services provided for the upstream and downstream enterprises of the supply chain by taking the core enterprises and the upstream and downstream enterprises related to the core enterprises as a whole, taking the core enterprises as the premise of real trade and applying the self-compensating trade financing mode.
However, conventional supply chain finance still has problems such as: 1) The verification cost of the authenticity and accuracy of the settlement data formed by the financial institution on the supply chain link is high, the credit of the small and medium-sized enterprises is insufficient, the growth period is unstable, and the small and medium-sized enterprises are difficult to financing; 2) As a main financing tool for supply chain finance, the commercial draft and bank draft using field Jing Shouxian in the current stage has higher transfer difficulty; 3) The supply chain financial platform/core enterprise system is difficult to self-certify and clean, so that the financial end wind control cost is high; 4) Because of the lack of mutual trust between the enterprises of the nodes, the assets of the enterprises are difficult to circulate or cash circulation is too slow, and the fund use efficiency is low. Therefore, the conventional supply chain finance still cannot well solve the problems of difficult financing and expensive financing of small and medium-sized and micro enterprises.
Currently, although blockchain technology has more and more applications in the field of financial science and technology, in the field of supply chain finance, there are always problems of difficult collaboration, high communication cost and low transaction efficiency due to the numerous participants.
Disclosure of Invention
The embodiment of the invention aims to provide a supply chain financial service management platform, which aims to solve the problems of difficult collaboration, high communication cost and low transaction efficiency of the conventional supply chain financial service management platform due to numerous participants.
The embodiment of the invention is realized in such a way that the supply chain financial service management platform comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end based on a blockchain network; the service management end stores credit sample data of the financing server;
the service management terminal is used for receiving a financing request sent by an enterprise client, wherein the financing request carries financing information and transaction information of the enterprise client; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when financing information and transaction information of the enterprise client meet preset credit rules, receiving identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server;
the enterprise client side is used for sending a financing request to the service management side, wherein the financing request carries financing information and transaction information of the enterprise client side; when financing information and transaction information of the enterprise client meet preset credit rules, sending identification information to the service management terminal; receiving funds sent by the financing server;
the financing server is used for receiving the financing instruction carried by the service management end and the identification information; and financing to the enterprise client according to the identification information.
The invention provides a supply chain financial service management platform, which comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end based on a block chain network; the service management end stores credit sample data of the financing server end, and receives a financing request sent by an enterprise client end, wherein the financing request carries financing information and transaction information of the enterprise client end; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when financing information and transaction information of the enterprise client meet preset credit rules, receiving identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and reliable free circulation of business flows, information flows, logistics and fund flows on the chain, and provides real and reliable trade data for financial institutions, thereby providing a solid data base for risk decision, and solving the problem of mutual trust among multiple participants in the conventional supply chain finance; in addition, for the member enterprises of the supply chain, financial services with low cost and high quota can be obtained, thereby providing financial services for more small and medium-sized micro enterprises.
Drawings
FIG. 1 is a schematic diagram of a supply chain financial service management platform according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a service management end according to a first embodiment of the present invention;
FIG. 3 is a schematic diagram of an enterprise client according to a first embodiment of the present invention;
fig. 4 is a schematic structural diagram of a financing server according to a first embodiment of the present invention;
FIG. 5 is a schematic diagram of a supply chain financial service management platform according to a second embodiment of the present invention;
fig. 6 is a schematic structural diagram of a financing server according to a third embodiment of the present invention;
fig. 7 is a schematic structural diagram of a financing server according to a third embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in this application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any or all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, etc. may be used in embodiments of the present invention to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another.
One of the core problems in conventional supply chain finance is trust, which includes both the inter-trust problem between enterprises on supply chain nodes and the trust problem of the financial institution to the supply chain platform and customers. This problem can be better solved by using blockchain techniques: the blockchain is used as a decentralised distributed account book, so that an equal collaboration platform is provided for all participants of the supply chain, and credit collaboration risks and cost among institutions are reduced; the information on the chain can be tracked and not tampered, and the data among a plurality of institutions are synchronized in real time, so that account checking can be performed in real time; namely, the trust problem can be effectively solved by the blockchain technology.
The supply chain financial service management platform provided by the embodiment of the invention comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end based on a block chain network; the service management end stores credit sample data of the financing server end, and receives a financing request sent by an enterprise client end, wherein the financing request carries financing information and transaction information of the enterprise client end; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when financing information and transaction information of the enterprise client meet preset credit rules, receiving identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and reliable free circulation of business flows, information flows, logistics and fund flows on the chain, and provides real and reliable trade data for financial institutions, thereby providing a solid data base for risk decision, and solving the problem of mutual trust among multiple participants in the conventional supply chain finance; in addition, for the member enterprises of the supply chain, financial services with low cost and high quota can be obtained, thereby providing financial services for more small and medium-sized micro enterprises.
In order to further describe the technical means and effects adopted by the present invention for achieving the intended purpose, the following detailed description is given of the specific embodiments, structures, features and effects according to the present invention with reference to the accompanying drawings and preferred embodiments.
Fig. 1 is a schematic structural diagram of a supply chain financial service management platform according to an embodiment of the present invention, and for convenience of explanation, only the parts related to the embodiment of the present invention are shown.
In the embodiment of the invention, the supply chain financial service management platform comprises a service management end 101, an enterprise client 102 and a financing server 103, wherein the enterprise client 102 is in communication connection with the service management end 101 based on a blockchain network; the service management end 101 stores credit sample data of the financing service end.
In the embodiment of the present invention, the financing service end is a generic term of a party providing the financing service, which means that a financial agency involved in the financial service industry (such as banks, securities, insurance, trust, funds, etc.) is a part of a financial system, and corresponds to the financial service industry. Financial intermediaries also include banks, securities companies, insurance companies, trust investment companies, and fund management companies, among others; therefore, the financing service end of the embodiment of the present invention includes, but is not limited to, a central bank, a general bank, a non-banking financial institution, foreign resources, bridge resources, foreign and foreign financial institutions which are opened in China, and also can be core enterprises, third-party financial institutions or Internet supply chain financial institutions.
In the embodiment of the invention, the enterprise client generally refers to a small and medium-sized enterprise, and comprises an upstream provider and a downstream dealer, wherein the interaction between the upstream provider and the downstream dealer is based on a financing server (core enterprise).
The service management end 101 is configured to receive a financing request sent by an enterprise client, where the financing request carries financing information and transaction information of the enterprise client; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when financing information and transaction information of the enterprise client meet preset credit rules, receiving identification information sent by the enterprise client; and sending a financing instruction carrying the identification information to the financing server.
In the embodiment of the invention, the transaction information refers to trade information occurring among enterprises on a supply chain, such as receivables contract information, prepaid account contract information, logistics/inventory information, settlement balance information and the like, and all the information needs to be uploaded to a blockchain in real time, so that the authenticity of the transaction information is ensured, and the wind control cost of a financial institution is reduced.
In the embodiment of the invention, the financing information is non-trade information, which refers to the information of small and medium-sized enterprises (upstream suppliers or downstream distributors) needing financing and the financing information thereof, such as company information, financing application, credit application and the like, and the information is also information to be inspected by a service management end and a financing server end during credit.
In the embodiment of the invention, the credit sample data comprises sample data such as credit and credit, wherein the credit data comprises the creditability provided by a deposit company to a non-financial department and can be obtained by compiling a deposit company overview; data including the financial company's credit to non-financial departments may be obtained in composing a financial company overview.
In the embodiment of the invention, the intelligent wind control technology comprises various quantized wind control models; it is most advantageous to calculate what high risk customers can be tolerated at best through the wind control model, and how to securitize and spread the point risk to the jettisoning. Through the trusted data center, sample data such as credit and credit of financial institutions are combined, an intelligent wind control technology (comprising various quantized wind control models) is utilized to construct a data wind control model, and financing requirements put forward by small and medium suppliers/distributors are scientifically evaluated, so that a credit scheme is formulated based on credit rules.
Specifically, the basic information, transaction information, of the business on the supply chain with credit requirements all enter the platform, which is also the data input for later evaluation of the business's credit on the chain. The wind control is mainly realized through a plurality of quantitative wind control models, such as a multiple regression model, a complex machine learning model and the like, and the estimation or training of the models needs sample data such as credit and credit of a financial institution; after the model is estimated or trained, the enterprise related data to be estimated is input into the model, so that the risk level of the enterprise can be obtained. In practice, the wind control model obtained by training based on the existing sample data is input with relevant information data of enterprises with financing requirements, such as enterprise operation status, financing scale and repayment capability (the indexes are reflected in the model), so that risk assessment results of the enterprises can be output, and a credit scheme can be formulated according to the results.
The enterprise client 102 is configured to send a financing request to the service management end, where the financing request carries financing information and transaction information of the enterprise client; when financing information and transaction information of the enterprise client meet preset credit rules, sending identification information to the service management terminal; and receiving funds sent by the financing server.
In the embodiment of the invention, the identification information is used for uniquely identifying an enterprise client in the system, namely, uniquely identifying a small and medium-sized micro enterprise, and can be an enterprise name, a credit code and the like, and the specific identification mode can be set according to actual conditions and is not limited herein.
In the embodiment of the invention, when the enterprise client receives the information passing the examination, the identification information is sent to the service management end so as to be used as the financing basis by the corresponding financing server.
The financing server 103 is configured to receive a financing instruction carried by the service management end and the identification information; and financing to the enterprise client according to the identification information.
In the embodiment of the invention, the financing instruction is a credit scheme, which comprises the amount and the loan interest rate index.
The invention provides a supply chain financial service management platform, which comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end based on a block chain network; the service management end stores credit sample data of the financing server end, and receives a financing request sent by an enterprise client end, wherein the financing request carries financing information and transaction information of the enterprise client end; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when financing information and transaction information of the enterprise client meet preset credit rules, receiving identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and reliable free circulation of business flows, information flows, logistics and fund flows on the chain, and provides real and reliable trade data for financial institutions, thereby providing a solid data base for risk decision, and solving the problem of mutual trust among multiple participants in the conventional supply chain finance; in addition, for the member enterprises of the supply chain, financial services with low cost and high quota can be obtained, thereby providing financial services for more small and medium-sized micro enterprises.
Fig. 2 is a schematic structural diagram of a service management end according to an embodiment of the present invention, and for convenience of explanation, only a portion related to the embodiment of the present invention is shown.
In the embodiment of the present invention, the service management end 101 includes a financing request receiving unit 201, a wind control model building unit 202, a judging unit 203, an identification information receiving unit 204, and a financing instruction sending unit 205.
The financing request receiving unit 201 is configured to receive a financing request sent by an enterprise client, where the financing request carries financing information and transaction information of the enterprise client.
In the embodiment of the invention, the transaction information refers to trade information occurring among enterprises on a supply chain, such as receivables contract information, prepaid account contract information, logistics/inventory information, settlement balance information and the like, and all the information needs to be uploaded to a blockchain in real time, so that the authenticity of the transaction information is ensured, and the wind control cost of a financial institution is reduced.
In the embodiment of the invention, the financing information is non-trade information, which refers to the information of small and medium-sized enterprises (upstream suppliers or downstream distributors) needing financing and the financing information thereof, such as company information, financing application, credit application and the like, and the information is also information to be inspected by a service management end and a financing server end during credit.
The wind control model construction unit 202 is configured to construct a data wind control model based on the intelligent wind control technology according to the credit sample data of the financing server.
In the embodiment of the invention, the credit sample data comprises sample data such as credit and credit, wherein the credit data comprises the creditability provided by a deposit company to a non-financial department and can be obtained by compiling a deposit company overview; data including the financial company's credit to non-financial departments may be obtained in composing a financial company overview.
In the embodiment of the invention, the intelligent wind control technology comprises various quantized wind control models; it is most advantageous to calculate what high risk customers can be tolerated at best through the wind control model, and how to securitize and spread the point risk to the jettisoning. The implementation mode can be that a data wind control model is built by combining sample data such as credit and credit of a financial institution through a trusted data center and applying an intelligent wind control technology (comprising various quantized wind control models).
The judging unit 203 is configured to judge whether the financing information and the transaction information of the enterprise client meet a preset trust rule according to the data wind control model.
The identification information receiving unit 204 is configured to receive identification information sent by the enterprise client when financing information and transaction information of the enterprise client conform to a preset credit rule.
In the embodiment of the invention, the identification information is used for uniquely identifying an enterprise client in the system, namely, uniquely identifying a small and medium-sized micro enterprise, and can be an enterprise name, a credit code and the like, and the specific identification mode can be set according to actual conditions and is not limited herein.
The financing instruction sending unit 205 is configured to send a financing instruction carrying the identification information to the financing server.
In the embodiment of the invention, the financing instruction is a credit scheme, which comprises the amount and the loan interest rate index.
Fig. 3 is a schematic structural diagram of an enterprise client according to a first embodiment of the present invention, and for convenience of explanation, only a portion related to the embodiment of the present invention is shown.
In the embodiment of the present invention, the enterprise client 102 includes a financing request sending unit 301, an identification information sending unit 302, and a financing unit 303.
The financing request sending unit 301 is configured to send a financing request to the service management end, where the financing request carries financing information and transaction information of the enterprise client.
The identification information sending unit 302 is configured to send identification information to the service management end when financing information and transaction information of the enterprise client end conform to a preset credit rule.
In the embodiment of the invention, the identification information is used for uniquely identifying an enterprise client in the system, namely, uniquely identifying a small and medium-sized micro enterprise, and can be an enterprise name, a credit code and the like, and the specific identification mode can be set according to actual conditions and is not limited herein.
The receiving unit 303 is configured to receive funds sent by the financing server.
Fig. 4 is a schematic structural diagram of a financing server according to an embodiment of the present invention, and for convenience of explanation, only the portions relevant to the embodiment of the present invention are shown.
In the embodiment of the present invention, the financing server 103 includes a financing instruction receiving unit 401 and a financing unit 402.
The financing instruction receiving unit 401 is configured to receive a financing instruction carried by the service management end and the identification information.
In the embodiment of the invention, the financing instruction is a credit scheme, which comprises the amount and the loan interest rate index.
The financing unit 402 is configured to financing the enterprise client according to the identification information.
In the embodiment of the invention, the unique enterprise client is determined according to the identification information, and financing is carried out to the enterprise client according to the credit scheme.
Fig. 5 is a schematic structural diagram of a supply chain financial service management platform according to a second embodiment of the present invention, and for convenience of explanation, only the parts related to the second embodiment of the present invention are shown, which are similar to the above embodiments, except that:
in an embodiment of the present invention, the enterprise clients 102 include at least one upstream provisioning client 501 and at least one downstream distribution client 502; the upstream provisioning client 501 and downstream distribution client 502 communicate with the service manager 101 through the financing server 103.
In the embodiment of the present invention, the upstream supply client generally refers to an upstream supplier, to a supplier that provides raw materials for production to a producer or to a supplier arranged at an upper layer among multi-level suppliers; the downstream provisioning client is generally referred to as a downstream dealer. In the industry chain, the supplier of raw materials is called upstream customer, the receiver of the finished product is downstream customer, which can be customer, or other dealer, for example, for a steel plant, then the mineral enterprise is upstream and the car manufacturing, machining is downstream.
In the embodiment of the invention, the financing server is equivalent to a core enterprise in a supply chain, and can be a third party logistics or warehousing enterprise which plays a role of a supply chain alliance and optimally manages the supply chain based on the uplink information.
The upstream provisioning client 501 is configured to send cargo information to the financing server, so that the financing server forwards the cargo information to the downstream distribution client after the cargo information passes the data wind control model verification, and generates logistics and inventory information.
In the embodiment of the invention, the goods information can refer to goods which comprise physical objects and virtual goods, wherein the virtual goods can be network electronic information such as member login code information, telephone charge purchase information and the like, or electronic documents, network courses, video files and the like.
In the embodiment of the invention, when the downstream dealer purchases the raw materials to the upstream supplier, the downstream dealer needs to transport the raw materials to the downstream dealer through a core enterprise (third party logistics enterprise), and the logistics and material inventory information generated in the process is uploaded to a service management end through the core enterprise, namely, the logistics and material inventory information is stored by a blockchain network.
The downstream distribution client 502 is configured to pay the payment to the financing server, and forward the payment to the upstream supply client after the data wind control model passes the verification by the financing server, and generate trade information.
In the embodiment of the invention, when the downstream dealer purchases the raw materials to the upstream supplier, a certain amount of money is paid to the downstream dealer at the same time, and the money can be full money or material subscription, which is determined by practical situations and is not limited herein. The purchase amount paid by the downstream dealer is also replaced by a third party core enterprise, and when the two parties are not in objection, the amount is transferred to an upstream supplier, and trade information (trade information) generated in the process is uploaded to a service management end through the core enterprise, namely, the trade information is stored by a blockchain network.
In the embodiment of the invention, the relationship between the downstream dealer and the upstream supplier as well as between the downstream dealer and the core enterprises can be understood as equivalent to the existing online shopping, and the difference is that the logistics, the material inventory information and the trade information generated in the transaction process are finally stored by a service management end, namely, the service management end uploads the blockchain, the operation of the enterprise client can be monitored in real time by the service management end, the trade information is updated, risk assessment is carried out according to a data wind control model, and a vigilance effect is provided for financial institutions providing financing in time.
For small and medium-sized enterprises, the method solves the problems that the turnover rate of funds is low, cash flow is insufficient, funds gaps are easy to generate, the small and medium-sized enterprises are small in scale and weak in strength, financial systems are not sound, credit is insufficient, external channels are borrowed, the interest rate is high, the flow is complex and the like; for a financial institution, the problems of high operation and risk cost in the aspects of background verification, reliable quality right, money return control and the like of small and medium-sized enterprises, and the problems of difficult balance of cost, risk and income of developing supply chain financial business caused by difficulty in self-certification of enterprises or platforms in trade chains are solved; for the core enterprise aspect: the problem that the traditional supply chain finance is excessively dependent on a core enterprise is solved, the burden of the core enterprise is reduced, the core enterprise only needs to act as a alliance role in a good supply chain alliance, and the supply chain management optimization is focused.
The enterprise client side comprises at least one upstream supply client side and at least one downstream distribution client side; the upstream supply client sends the goods information to the financing server, so that the goods information is forwarded to the downstream distribution client after being checked by the financing server through a data wind control model, and logistics and inventory information are generated; and the downstream distribution client pays the goods to the financing server, and the financing server forwards the goods to the upstream supply client after the goods pass the verification of the data wind control model and generates trade information. The logistics, material inventory information and trade information generated in the transaction process are finally stored by the service management end, namely, the block chain network is uploaded and cannot be tampered, so that the service management end can monitor the operation of an enterprise client in real time, update the transaction information of the enterprise client, perform risk assessment according to a data wind control model, provide vigilance effect for financial institutions providing financing in time, and reduce the financing risk of the financial institutions. Meanwhile, the method is beneficial to realizing safe and reliable free circulation of commercial flows, information flows, logistics and fund flows on the chain, and provides real and reliable trade data for financial institutions, so that a solid data base is provided for risk decision, and the problem of mutual trust among multiple participants in the conventional supply chain finance is solved; in addition, for the member enterprises of the supply chain, financial services with low cost and high quota can be obtained, thereby providing financial services for more small and medium-sized micro enterprises.
The following is a supply chain financial service management platform provided in the third embodiment of the present invention, which is similar to the above embodiment, and is different in that:
in the embodiment of the invention, the identification information carries private key information.
In the embodiment of the invention, the private key is essentially an array of 32 bytes (bytes), 1 byte is equal to 8 bits of binary, and one binary has only two possibilities of 0 or 1, so that the total number of the private keys is 2++8×32) =2++256, for example, such a string 5 kyzdwueo 39z3FPrtuX2 qbbwwgnnp 5zTd7yyr SC1j299sBCnWjss is a private key, and can be said to be identified as the private key as long as the application of the bitcoin protocol is properly supported.
In the embodiment of the invention, the generation of the private key can be realized by randomly selecting 256-bit 0-2256 numbers and carrying out an SHA256 algorithm (secure spallation algorithm) on the numbers, wherein the core is the selection of a random entropy source; if hexadecimal identification is adopted, the private key displays 64 bits, and if bitcoin is adopted, the private key can be displayed by dumpprivkey, and the private key can be specifically set according to actual conditions and is not limited in the specification.
The financing server 103 is further configured to generate public key information according to the private key information; financing to the enterprise client according to the public key information.
In the embodiment of the present invention, public key information is generated according to private key information, where the generated formula is k=k×g (K is a private key, G is a discrete constant point, and K is a public key).
In the embodiment of the invention, when the financing server pays to the enterprise client according to the financing scheme, the financing server pays to the enterprise client through the service management end, and the service management end sends the financing amount to the enterprise client corresponding to the public key information according to the public key information by sending the financing amount and the public key information to the service management end.
The enterprise client 102 is further configured to decrypt public key information according to the private key information; and after the decryption is successful, receiving the funds sent by the financing server.
In the embodiment of the invention, the financing amount is encrypted/verified by the public key information, the private key information matched with the public key information is needed to decrypt/sign, and only after the decryption is successful, the enterprise client can obtain the amount sent by the financing server.
The supply chain financial service management platform provided by the embodiment of the invention has the advantages that the identification information carries the private key information, and the financing server side generates public key information according to the private key information; financing to the enterprise client according to the public key information; the enterprise client decrypts the public key information according to the private key information; after decryption is successful, receiving funds sent by the financing server; the method is beneficial to realizing safe and reliable free circulation of information flow and fund flow on the chain, solves the problem of mutual trust among multiple participants in the prior supply chain finance, and provides powerful guarantee for financing risk of financial institutions.
Fig. 6 is a schematic structural diagram of a financing server according to a third embodiment of the present invention, and for convenience of explanation, only the portions relevant to the embodiment of the present invention are shown.
In the embodiment of the present invention, the financing server 103 further includes a public key generating module 601 and a financing module 602.
The public key generating module 601 is configured to generate public key information according to the private key information.
In the embodiment of the invention, the private key is essentially an array of 32 bytes (bytes), 1 byte is equal to 8 bits of binary, and one binary has only two possibilities of 0 or 1, so that the total number of the private keys is 2++8×32) =2++256, for example, such a string 5 kyzdwueo 39z3FPrtuX2 qbbwwgnnp 5zTd7yyr SC1j299sBCnWjss is a private key, and can be said to be identified as the private key as long as the application of the bitcoin protocol is properly supported.
In the embodiment of the invention, the generation of the private key can be realized by randomly selecting 256-bit 0-2256 numbers and carrying out an SHA256 algorithm (secure spallation algorithm) on the numbers, wherein the core is the selection of a random entropy source; if hexadecimal identification is adopted, the private key displays 64 bits, and if bitcoin is adopted, the private key can be displayed by dumpprivkey, and the private key can be specifically set according to actual conditions and is not limited in the specification.
In the embodiment of the present invention, public key information is generated according to private key information, where the generated formula is k=k×g (K is a private key, G is a discrete constant point, and K is a public key).
The financing module 602 is configured to financing the enterprise client according to the public key information.
In the embodiment of the invention, when the financing server pays to the enterprise client according to the financing scheme, the financing server pays to the enterprise client through the service management end, and the service management end sends the financing amount to the enterprise client corresponding to the public key information according to the public key information by sending the financing amount and the public key information to the service management end.
Fig. 7 is a schematic structural diagram of a financing server according to a third embodiment of the present invention, and for convenience of explanation, only the portions relevant to the embodiment of the present invention are shown.
In the embodiment of the present invention, the enterprise client 102 further includes a decryption module 701 and a funding module 702.
The decryption module 701 is configured to decrypt private key information according to the public key information.
In the embodiment of the invention, the financing amount is encrypted/verified by public key information, and the private key information matched with the financing amount is needed to be decrypted/signed.
And the fund receiving module 702 receives the fund sent by the financing server after the successful decryption.
It should be understood that, although the structures in the block diagrams of the embodiments of the present invention are shown in order as indicated by the arrows, the structures are not necessarily performed in order as indicated by the arrows. These structures may be performed in other structures without strict order of execution unless explicitly described herein. Moreover, at least a portion of the structures in various embodiments may include multiple structures or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed sequentially, but may be performed alternately or alternately with at least a portion of the other structures or sub-structures or stages of other structures.
The technical features of the above-described embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above-described embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing examples illustrate only a few embodiments of the invention and are described in detail herein without thereby limiting the scope of the invention. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the invention, which are all within the scope of the invention. Accordingly, the scope of protection of the present invention is to be determined by the appended claims.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, and alternatives falling within the spirit and principles of the invention.
Claims (8)
1. The supply chain financial service management platform is characterized by comprising a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end based on a block chain network; the service management end stores credit sample data of the financing server;
the service management terminal is used for receiving a financing request sent by an enterprise client, wherein the financing request carries financing information and transaction information of the enterprise client; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether financing information and transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model; when financing information and transaction information of the enterprise client meet preset credit rules, receiving identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server;
the enterprise client side is used for sending a financing request to the service management side, wherein the financing request carries financing information and transaction information of the enterprise client side; when financing information and transaction information of the enterprise client meet preset credit rules, sending identification information to the service management terminal; receiving funds sent by the financing server;
the financing server is used for receiving the financing instruction carried by the service management end and the identification information; financing to the enterprise client according to the identification information;
the enterprise clients include at least one upstream provisioning client and at least one downstream distribution client; the upstream supply client and the downstream distribution client communicate with the service management end through the financing service end;
the upstream supply client is used for sending the goods information to the financing server, and forwarding the goods information to the downstream distribution client after the goods information passes the verification of the data wind control model by the financing server, and generating logistics and inventory information;
the downstream distribution client is used for paying the money to the financing server, and the financing server transmits the money to the upstream supply client and generates trade information after the money passes the verification of the data wind control model;
the identification information carries private key information;
the financing server is also used for generating public key information according to the private key information; financing to the enterprise client according to the public key information;
the enterprise client is also used for decrypting private key information according to the public key information; and after the decryption is successful, receiving the funds sent by the financing server.
2. The supply chain financial service management platform of claim 1, wherein the service management side comprises:
the financing request receiving unit is used for receiving a financing request sent by an enterprise client, wherein the financing request carries financing information and transaction information of the enterprise client;
the wind control model construction unit is used for constructing a data wind control model according to the credit sample data of the financing server based on an intelligent wind control technology;
the judging unit is used for judging whether the financing information and the transaction information of the enterprise client meet preset credit giving rules or not according to the data wind control model;
the identification information receiving unit is used for receiving the identification information sent by the enterprise client when the financing information and the transaction information of the enterprise client accord with a preset credit rule; and the financing instruction sending unit is used for sending the financing instruction carrying the identification information to the financing server.
3. The supply chain financial service management platform of claim 1, wherein the enterprise client comprises:
the financing request sending unit is used for sending a financing request to the service management end, wherein the financing request carries financing information and transaction information of the enterprise client;
the identification information sending unit is used for sending identification information to the service management terminal when the financing information and the transaction information of the enterprise client terminal accord with a preset credit rule; and the fund receiving unit is used for receiving the fund sent by the financing server.
4. The supply chain financial service management platform of claim 1, wherein the financing server comprises:
the financing instruction receiving unit is used for receiving the financing instruction carried by the service management end and the identification information; and the financing unit is used for financing the enterprise client according to the identification information.
5. The supply chain financial service management platform of claim 1, wherein the financing server further comprises:
the public key generation module is used for generating public key information according to the private key information; and the financing module is used for financing the enterprise client according to the public key information.
6. The supply chain financial service management platform of claim 1, wherein the enterprise client further comprises:
the decryption module is used for decrypting the public key information according to the private key information; and the fund receiving module receives the fund sent by the fund financing server after the decryption is successful.
7. The supply chain financial service management platform of claim 1, wherein the transaction information includes receivables contract information, prepaid account contract information, logistic/inventory information, settlement balance information.
8. The supply chain financial service management platform of claim 1, wherein the financing information comprises corporate information, financing applications, credit applications.
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| CN111612620A (en) * | 2020-05-18 | 2020-09-01 | 上海齐网网络科技有限公司 | Supply chain finance implementation method and device |
| CN111383106B (en) * | 2020-05-29 | 2020-12-01 | 支付宝(杭州)信息技术有限公司 | Credit processing method, device, equipment and system |
| CN111667358A (en) * | 2020-06-15 | 2020-09-15 | 信雅达系统工程股份有限公司 | Supply chain financing service system driven by block chain technology |
| CN111681111A (en) * | 2020-06-16 | 2020-09-18 | 深圳前海点金保理有限公司 | Credit increase and financing platform system, method and storage medium based on block chain |
| CN112017036A (en) * | 2020-09-02 | 2020-12-01 | 山东振大社区商业中心有限公司 | Community new retail supply chain finance implementation method and device |
| CN112529690A (en) * | 2020-12-16 | 2021-03-19 | 深圳市辰宝信息服务有限公司 | Financial wind control management method, device, equipment and medium for bulk commodity supply chain |
| CN112785270A (en) * | 2021-01-25 | 2021-05-11 | 邦邦(天津)商业保理有限公司 | Financial service system and method for supply chain of automobile parts |
| CN113052705A (en) * | 2021-04-13 | 2021-06-29 | 粤港澳国际供应链(广州)有限公司 | Supply chain financial service process management method and device |
| CN113516560A (en) * | 2021-04-27 | 2021-10-19 | 吉林省裕林信息科技有限公司 | Supply chain financial wind control data cross validation method, system and computer equipment |
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